Housing Credit Acquisition

Housing credit glossary

Are you going to apply for a mortgage to buy your home? Know that, throughout the process, you may come across expressions that can be confusing. We have prepared a glossary about mortgage credit to help you know everything.

Reading time: 10 mins.
Housing Credit Acquisition

Mortgage credit: Fixed, mixed, or variable interest rate?

The interest rate you choose for your home loan has a direct impact on the amount you will pay for the monthly installment. You can choose between a fixed, variable, or mixed rate. But what does each concept mean, how does it work, and how does it impact the loan?

Reading time: 7 mins.
Housing Credit Acquisition

Is it possible to get 100% financing for a mortgage?

Is it possible to buy a house being 100% financed by the bank? Currently, there are limits to the value banks can lend. However, there is an exception. We explain which in this article.

Reading time: 4 mins.
Housing Credit Acquisition

Effort rate: What is this concept and how is it calculated?

The effort rate is one of the concepts in mortgage credit. In short, the effort rate assesses whether you have the ability to meet the installments of a loan. But what does this concept mean and how is it calculated?

Reading time: 9 mins.
Mortgage Credit Transfer

How does the housing credit transfer work?

Are you dissatisfied with your current home loan? Tried to renegotiate the contract terms without success? Understand how home loan transfer works in this article.

Reading time: 6 mins.

Highlights

New year, new house: Is now the right time to invest in a mortgage?

Evaluate the market, plan your finances, and compare bank proposals are the essential steps to start the year with the right housing credit.

Housing Credit Acquisition

Public guarantee in housing credit depends directly on the financed amount.

The public guarantee offered by the State in housing credit is directly related to the amount financed by the bank.

Housing Credit Acquisition

High effort rates limit young people's access to public guarantees in housing loans.

Access by young people to state guarantees in housing credit has faced significant challenges, with the main obstacle being the high level of effort required to benefit from this support.

Housing Credit Acquisition

Credit risk cost expected to remain low in European banks in 2025.

European banks are expected to continue benefiting from low and stable credit risk costs in 2025, as forecasted by DBRS.

Latest

Crédito Habitação Aquisição

Financiamento jovem a 100% passa a poder ser concedido por sociedades financeiras autorizadas

As sociedades financeiras autorizadas vão poder passar a conceder agora o financiamento a 100% para jovens até 35 anos com a medida da garantia pública.

Crédito Habitação Aquisição

Dos novos créditos habitação em 2024, 43% são jovens até aos 35 anos

Quase metade dos créditos habitação em 2024 foram contratados por jovens até aos 35 anos, impulsionado pelos novos incentivos do Governo.

Crédito Habitação Aquisição

Como o IRS afeta a capacidade financeira para pedir crédito?

O rendimento declarado no IRS influencia a aprovação e as condições do seu crédito. Saiba como otimizar a sua declaração para melhorar a taxa de esforço, aumentar a capacidade de financiamento e até reduzir dívidas.

Crédito Habitação Aquisição

Taxa de juro do crédito habitação desceu para 3,830% em fevereiro

A taxa de juro dos créditos habitação caiu para 3,830% em fevereiro, menos 15,4 pontos base do que em janeiro. Já nos contratos mais recentes, assinados nos últimos três meses, a taxa subiu para 3,200%.