Supports and subsidies
Can the worker decide where to receive the food allowance?
Does the worker have the power to decide whether to receive their meal allowance on a meal card or in cash? Find out in this article.
Related to: "Does food subsidy on a card count towards the effort rate in home loans?"
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
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.
Housing Credit Acquisition
Second home loan: How does it work?
Buying a vacation home to invest or rent through a second home loan is possible. But in which cases is it allowed and how does a secondary housing loan work?
Housing Credit Acquisition
Mortgage credit: BdP eases stress test required for borrowers.
Looking to hire a home loan? We have good news for you: The Bank of Portugal (BdP) has eased one of the requirements imposed on clients, making it easier to access this type of financing. Understand what changes in the stress test required by banks in this article.
Housing Credit Acquisition
I have a home loan. Can I take out another loan?
One of the most common questions that arises after taking out a loan is whether you can take out another for a different project. For example, a house and a car are usually among the most important projects, and many need financing to acquire both. But how can you know if you have the financial capacity for both?
Mortgage Credit Renegotiation
Portuguese citizens believe the standard of living will worsen: How to prepare?
According to Eurobarometer, 83% of the Portuguese respondents believe that their standard of living will worsen by 2024. So, how can one protect themselves from this prediction if they have insurance and loans?
Housing Credit Acquisition
Household effort rate increases to buy and rent a house. How to lower it?
The effort of families to buy and rent a house increased compared to the same period last year. Understand the increase and how you can lower the effort rate.
House Purchase
Buy or rent a house: Effort rate of Portuguese families has increased.
The indicator measuring the effort of Portuguese families to support housing payments was higher in the second quarter of 2024 compared to the same period last year. Read the numbers, then.
Housing Credit Acquisition
Public guarantee for 100% of credit compromises the debt-to-income ratio criterion.
The new measure of support for young people will make it easier to purchase property with credit for those who do not have savings for a down payment, but will increase the monthly payments and, consequently, the burden rate of borrowers.
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
Mortgage loan: What is the difference between APR and APRC?
When buying a house through a bank loan, you may be faced with complex mortgage credit language. Such as the acronyms related to interest rates, APR and APR. So, what do they mean and what do they represent?
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?
Housing Credit Acquisition
Pre-approval of mortgage credit: What comes next?
The mortgage credit process goes through several stages, starting with sending documents to the bank. Next, the bank needs to evaluate if the credit holders have the conditions 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.