Present
December brings new decrease in house installments
According to simulations, housing installments decrease in December on home loans with variable interest rates indexed to the Euribor.
Articles about:
Credit Transfer
Housing Credit Acquisition
If I transfer my credit, do the financing limits remain the same?
The Bank of Portugal (BdP) defined in 2018 some measures to limit bank financing in credit contracts. But do they also apply to transfers? Find out next.
Mortgage Credit Transfer
This couple lowered their monthly home installment by 318 euros. Learn how:
The 45-year-old couple, Mariana and Bruno, were dissatisfied with the conditions of their home loan and turned to our services to transfer the financing, resulting in a savings of over 300 euros per month. Find out how, next.
Tips
Government highlights 3 measures to improve Portuguese financial life.
With the new Government of Luís Montenegro, measures proposed by the Executive are emerging with an impact on the financial life of the Portuguese. Three are highlighted in an Instagram post: find out which ones.
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.
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
Inflation rate in Portugal increases to 2.3% in the month of January.
Check out the numbers released by the National Institute of Statistics regarding January, and how to alleviate the monthly budget in this context.
Taxes
Do I have to declare the sales I make second-hand in IRS?
DECO PROteste clarifies: Currently, it is not necessary to declare income obtained through second-hand sales, but it may become necessary in the future. Understand what is at stake next.
Mortgage Credit Transfer
Mortgage credit: Early repayments nearly double in 2023
With the rise in interest rates, early repayment of housing credit was a popular option for the Portuguese in 2023 to avoid high interest rates. Check out the numbers.
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
Mortgage with variable rate? Find out if your installment goes down in February.
If you have a mortgage with a variable interest rate regime, indexed to the three or six month Euribor, it's official: you will see your monthly installment slightly decrease in February. Understand the values at play.
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.
Tips
8 tips to save on loans, insurance, and other charges.
Get to know the 8 tips from DECO Proteste, mentioned by Notícias ao Minuto, to start saving on loans, insurance, and other expenses, and improve your personal finances.