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Renegotiation Conditions
Posso contratar um crédito pessoal, tendo outras dívidas?
Personal Consolidated Credit

Can I take out a personal loan with other debts?

Want to apply for a personal loan but already have other loans? Find out if you can in this article.

19 Sep 20242 min

Crédito habitação: Reembolsos antecipados e renegociações aumentaram (e muito) em 2023
Mortgage Credit Renegotiation

Mortgage credit: Early repayments and renegotiations increased (a lot) in 2023.

In 2023, it was possible to verify that early refunds and renegotiations significantly increased. According to the Bank of Portugal (BdP), this could be associated with the temporary suspension of fees. Understand better next.

06 Aug 20242 min

Ansiedade financeira: Metade dos portugueses sentem ao pensar nas suas finanças
Tips

Financial anxiety: Half of the Portuguese feel when thinking about their finances.

A study conducted in Portugal concluded that about half of the citizens feel financial anxiety when thinking about their personal finances. Get to know all the revealed data, next.

10 Jul 20243 min

Taxa de esforço das famílias aumenta para comprar e arrendar casa. Como baixar?
Housing Credit Acquisition

Household effort rate increases to buy and rent a house. How to lower it?

The effort of families to buy and rent a house increased compared to the same period last year. Understand the increase and how you can lower the effort rate.

03 Jul 20243 min

Taxa de juro média dos novos créditos desce para 4,03% em janeiro
Mortgage Savings Credit

Average interest rate on new loans drops to 4.03% in January.

The average interest rate on new credit contracts decreased from December to January, reflecting the slowdown in leading interest rates. Understand what is at stake next.

20 Mar 20242 min

Crédito habitação: Renegociação e taxa mista foram preferência em janeiro
Mortgage Credit Renegotiation

Home loan: Renegotiation and mixed-rate were preferred in January.

January was marked by renegotiation processes and hiring of mixed rate in housing credit. Get to know the data from the Bank of Portugal (BdP).

15 Mar 20242 min

Renegociações no crédito habitação aumentam 5 vezes mais em 2023
Mortgage Credit Renegotiation

Mortgage renegotiations increase 5 times more in 2023.

Home loan renegotiations rise to 8.8 billion euros - a 5 times growth from 2022 to 2023. Understand better what is at stake, in the link below.

13 Feb 20242 min

Ministério das Finanças realça que “taxa de inflação está no valor mais baixo dos últimos dois anos”
Mortgage Savings Credit

Ministry of Finance highlights that "inflation rate is at the lowest value in the last two years."

In a social network, the Ministry of Finance highlighted that the inflation rate recorded in December was the lowest in recent years. Understand it better, next.

19 Jan 20243 min

IRS: 2024 traz descida das taxas para os primeiros cinco escalões
Mortgage Credit Renegotiation

IRS: 2024 brings decrease in rates for the first five brackets

The year 2024 continues to bring favorable news in the financial landscape: what you pay in income tax may decrease, depending on your income bracket. Find out if you are included, then how to further ease your monthly budget.

11 Jan 20243 min

Como entrar em 2024 com a poupança certa?
Mortgage Savings Credit

How to enter 2024 with the right savings?

The year 2023 is now coming to an end and the hope for a better and more financially comfortable 2024 is evident. Therefore, we will help you evaluate all the options available so that you enter the new year with an organized budget.

21 Dec 20237 min

PARI e PERSI: O que são estes processos no incumprimento de crédito?
Mortgage Credit Renegotiation

PARI and PERSI: What are these processes in credit default?

The terms PARI and PERSI refer to processes that banks initiate in order to prevent customer default on their loans, or to act after default. Understand better what they mean and how they work.

19 Dec 20235 min

Fixar prestação da casa: Banco pode analisar a sua capacidade financeira
Housing Credit Acquisition

House installment fix: Bank can analyze your financial capability.

Do you want to fix the installment of your mortgage with the government measure? Your bank may request additional data before sending you the plan. Find out what it is, and if there is another way to fix your installment, then.

22 Nov 20233 min

Estive ao abrigo do PARI. Posso fixar a prestação da casa?
Mortgage Credit Transfer

I was under the PARI. Can I fix the house payment?

The issue arises within the scope of the legislation of the new Government measure to support the Portuguese with their home loans, fixing and lowering the monthly amounts. Find out if you have already been or are currently under the PARI program with your mortgage, you can join the support in question.

21 Nov 20234 min

Incumprimento do crédito habitação: Saiba o que o PERSI pode fazer por si
Mortgage Savings Credit

Noncompliance with home loans: Find out what PERSI can do for you.

Are you in default with your home loan? The PERSI can help. Learn about the plan that banks must follow in this case, and find out how to save on your monthly installment.

08 Nov 20232 min

Poupar no crédito habitação: Juros bonificados retroagem a janeiro
Mortgage Savings Credit

Saving on mortgage: Discounted interest rates date back to January.

So that the Portuguese can save on their housing loans, the Government has announced support measures for mortgage financing. One of them is the interest rate subsidy and it has now been announced that it will be retroactive to January. Let's see how this measure will work and what other options exist to save on your housing loan.

26 Oct 20234 min