With the rise in interest rates, the difficulty in paying the monthly installments of the home loan is greater. Therefore, it is important to look for savings solutions in credit, such as transferring it. Find out how this process works, and if it has costs.
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.
Are you unhappy with your current home loan? Have you tried renegotiating the terms of the contract without success? Understand how home loan transfer works in this article.
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?
Are you selling your property and have been asked to request the mortgage discharge from the bank? This document is essential for the deed, to release the bank from the debt associated with your property. Let's better understand what this document is and how you can obtain it.
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?
You may already be aware that it is possible to transfer your mortgage credit to another bank. But did you know that you can also transfer your mortgage life insurance to a new insurer? And the savings can be significant, achieving better conditions as well. It's true, find out more about it next.
You are going through a home loan transfer process, and the signing day was canceled? It may have been because your bank did not send the credit information to the receiving bank. Find out how to avoid this situation next.
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.
The measures announced by the Government to help the Portuguese with their home loans allow to slightly alleviate the amount they pay for the mortgage. But how much? And comparing with a home loan transfer, which option saves more? We explain, through concrete examples, the savings that can be generated by the various options.
With the new measures outlined in the State Budget of 2024, which value the salaries of the Portuguese, how much can we save in total? According to the new changes that strengthen incomes, let's see the savings generated by each one, but also how much you can save if you have a mortgage and transfer it.