Tips
What are the differences between fixed and variable rates? | Tips for saving with Gonçalo Malheiro.
Stay tuned for this new section Tips for saving with Gonçalo Malheiro, Financial Educator and creator of digital content related to finances.
Articles about:
Fixed Rate
Housing Credit Acquisition
Bank of Portugal considers raising interest rates a "cold shower" for the economy.
In a post, the BdP explains how the European Central Bank (ECB) raised interest rates to curb price hikes and inflation. Understand in the following.
Housing Credit Acquisition
Mortgage interest rate drops for the 2nd consecutive month.
It is the second consecutive month that home loan interest rates have decreased: Understand the data involved and how to access the best rates in this financing.
Mortgage Credit Transfer
Why did the measure to fix mortgage installment not cover all eligible credits?
The government's measure to set the monthly house payment did not cover all contracts that would be eligible for the process. Find out why and how to fix the installment in a different way.
Mortgage Credit Transfer
Rate cuts may be closer than expected in the past semester.
The interest rate cut may be closer than expected, but until it arrives: there are also other immediate solutions for you to save on your home loan installment.
Mortgage Credit Transfer
Mortgage credit: Average interest rate decreases in December
The average interest rate on home loans dropped for the 3rd consecutive time in December 2023. Find out which values are at stake next.
Mortgage Credit Transfer
Mixed rate was the contracted regime in 71% of home loans in 2023.
The mixed interest rate represented 71% of housing credit contracts in 2023. Check out the data, released by the Bank of Portugal (BdP).
Housing Credit Acquisition
Housing credit: Interest deduction in IRS only for contracts until 2011.
Only taxpayers who have taken out a home loan by December 2011 can deduct the interest from the contract in IRS. Understand what is at stake.
Mortgage Credit Transfer
ECB keeps interest rates unchanged at 1st meeting of the year
The European Central Bank (ECB) keeps interest rates unchanged, continuing the pause in rate hikes at the first meeting of the year. Find out more next.
Mortgage Savings Credit
Mortgage credit: Average annual interest rate settles at 3.612% in 2023
Notice the data released by the National Institute of Statistics (INE) and learn how to download your home installment.
Mortgage Savings Credit
Interest rates will lower in the summer? Lagarde assumes possibility.
Christine Lagarde, President of the European Central Bank (ECB), acknowledges the possibility of interest rates potentially being cut in the summer. Understand the leader's words better in the article.
Mortgage Credit Transfer
Inflation rate in the euro area increases in December
After a downward cycle for seven months, the inflation rate in the Eurozone is now increasing again in December, according to Eurostat data. Understand what is at stake and how to ensure greater budget stability, in the face of the instability of the current economic situation.
Mortgage Credit Transfer
Do you have a mortgage? 2024 brings relief from monthly installments.
For home loan holders with variable interest rate, 2024 finally brings a relief in monthly installments: There is a forecasted decrease in various Euribor rates, with a slowdown in reference interest rates. Understand better what is expected this year and how to immediately reduce your loan installment.
Mortgage Credit Renegotiation
Portuguese citizens believe the standard of living will worsen: How to prepare?
According to Eurobarometer, 83% of the Portuguese respondents believe that their standard of living will worsen by 2024. So, how can one protect themselves from this prediction if they have insurance and loans?
Mortgage Savings Credit
Mortgage credit: Euribor-indexed installments will decrease for all terms in 2024.
For those with a variable interest rate housing loan, 2024 brings good news: an expected relief in Euribor rates for three, six, and 12 month terms. Find out when.