Housing Credit Acquisition
What is LTC and LTV in credit?
Do you know the purpose of Loan-to-Cost (LTC) and Loan-to-Value (LTV) ratios in financing? Find out more.
Related to: "Why does the financing limit vary depending on the purpose of housing?"
Housing Credit Acquisition
Home credit: Why is it considered the lowest value between acquisition and evaluation for LTV?
For home credit - housing, some measures are used to determine the loan risk for the bank. Understand what LTV is and why the lower value between acquisition and evaluation is used to calculate it.
Housing Credit Acquisition
What is the difference between primary and secondary housing in credit?
When you apply for a home loan, the conditions offered by the bank will vary depending on the purpose you give to the property: primary residence or secondary. Understand the difference between the two and the financing conditions for each.
Housing Credit Acquisition
Second home loan: How does it work?
Buying a vacation home, to invest or rent through a second mortgage, may be possible. But in which cases is it allowed and how does a secondary housing loan work?
Insurance Mediation
Can I hire insurance online?
Hiring insurance online is possible, but has its advantages and disadvantages. It is necessary to pay attention to some issues when subscribing to this product digitally. For that, you can also ask for help from an insurance mediator.
Housing Credit Acquisition
If I transfer my credit, do the financing limits remain the same?
The Bank of Portugal (BoP) established in 2018 certain measures to limit bank financing in credit contracts. But do they also apply to transfers? Find out next.
Housing Credit Acquisition
FINE: Know how to analyze a credit proposal
When buying a house with a housing loan, you may come across some terms that may seem confusing at first. If you have already started the process and the bank has given you a document called FINE, know its purpose and how to analyze it.
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?
Housing Credit Acquisition
Mortgage credit: What is the difference between APR and APRC?
When buying a house through a bank loan, you may come across a language associated with mortgage credit that is somewhat complex. Such as the abbreviations related to interest rates, TMR and APR. So, what do they mean and represent?
Housing Credit Acquisition
Mortgage Credit: Fixed, mixed or variable interest rate?
The interest rate you choose for your mortgage directly impacts the amount you will pay monthly. 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 credit?
Housing Credit Acquisition
Mortgage glossary - https://www.example.com/credit-habitation-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.
Housing Credit Acquisition
Pre-approval of home loan: What comes next?
The mortgage application process goes through several stages, starting with the submission of documents to the bank. Next, the bank needs to evaluate if the credit holders are eligible to proceed, and only then is the credit pre-approved. But what comes next?
Housing Credit Acquisition
How to make an early repayment of my home loan?
Paying off your home loan early can be a solution to reduce the monthly installment you pay for this burden. Find out how it works, as well as the advantages and disadvantages.
Housing Credit Acquisition
What does the spread represent in mortgage credit?
Are you going to take out a home loan and came across the concept of spread? This is one of the rates associated with this loan and can vary depending on some aspects. Learn how the spread works so that you have a rate tailored to your budget.
Housing Credit Acquisition
Diploma puts an end to the processing fee for loan installment commission.
New measures related to credits were announced, which can now benefit consumers. In order to facilitate access to housing credit and others, this legislation dictates the end of some commissions: find out which ones.