The sudden loss of income or the increase in interest rates can lead to situations of default in the payment of credit installments. An option capable of providing immediate savings is credit consolidation. How does it work?
The European Central Bank (ECB) has announced a new increase in interest rates, which also leads to an increase in Euribor rates at various maturities. Therefore, Portuguese people with variable interest rates on their home loans will once again see their monthly payments increase. So, what options can we take to lower the amount to be paid for the home loan?
According to DECO Proteste, some families have 20 loans, with credit cards being the main cause. But how to ease this credit burden? Get to know the options next.
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.
By consolidating their credits, João and Carla saved 275 euros monthly and 3,303.72 euros annually. Find out how!
O esforço das famílias para comprar e arrendar casa subiu face ao mesmo período o ano passado. Perceba o aumento e como pode baixar a taxa de esforço.
Agregar diferentes dívidas num único crédito é possível, e além de simplificar a devolução do pagamento, fica a pagar menos por todas. Perceba todas as vantagens deste financiamento.
The renegotiation of the conditions of a mortgage can be a solution for those seeking a lower installment. Find out how renegotiating a loan works and learn about the exception to the rule for 2023.
The return to school is approaching and this is a financially turbulent time for parents. But there are some strategies that can help you spend less money and not tighten your budget. Let's see which ones?
The return to school can be a painful time for parents who have to buy school supplies for their children, make or renew school registrations. This is why it is important to be prepared for what this context holds. So, how to save on short-term expenses?
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.
Faced with the new government measure to help Portuguese pay less for their home loan, it is important to analyze if it is worthwhile compared to other options available in the market. So, before activating this measure, let's see: Can you save more with a housing loan transfer?
In order to help the Portuguese reduce their home loan payments, the Government has implemented measures to support housing, such as the obligation for banks to renegotiate loan conditions with a debt-to-income ratio above 36%. However, considering the various options in the market, is opting for this measure worth it? Let's find out in the article.
During the Government's search for solutions to help the Portuguese reduce their housing credit payments, some exceptional measures are already in place. One such case is the renegotiation of contracts with an effort rate exceeding 36% and the stabilization of the installment for two years (having to repay the differential amount later). But which one will compensate more? Can they be applied simultaneously?
The measures for housing in 2024 have been strengthened and detailed in the new State Budget. We explain in this article what changes for the next year and how to prepare in terms of home credit.