É a 9.º vez que a taxa de juro média dos novos contratos de crédito desce, passando para 3,68% no passado mês de junho. Conheça as estatísticas, em seguida.
No ano de 2023, foi possível verificar que os reembolsos antecipados e as renegociações aumentam significativamente. Segundo o Banco de Portugal (BdP), poderá estar associado à suspensão temporária das comissões. Perceba melhor em seguida.
The average interest rate on new credit contracts decreased from December to January, reflecting the slowdown in leading interest rates. Understand what is at stake next.
January was marked by renegotiation processes and hiring of mixed rate in housing credit. Get to know the data from the Bank of Portugal (BdP).
Home loan renegotiations rise to 8.8 billion euros - a 5 times growth from 2022 to 2023. Understand better what is at stake, in the link below.
In a social network, the Ministry of Finance highlighted that the inflation rate recorded in December was the lowest in recent years. Understand it better, next.
The year 2024 continues to bring favorable news in the financial landscape: what you pay in income tax may decrease, depending on your income bracket. Find out if you are included, then how to further ease your monthly budget.
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.
Do you want to fix the installment of your mortgage with the government measure? Your bank may request additional data before sending you the plan. Find out what it is, and if there is another way to fix your installment, then.
The issue arises within the scope of the legislation of the new Government measure to support the Portuguese with their home loans, fixing and lowering the monthly amounts. Find out if you have already been or are currently under the PARI program with your mortgage, you can join the support in question.
So that the Portuguese can save on their housing loans, the Government has announced support measures for mortgage financing. One of them is the interest rate subsidy and it has now been announced that it will be retroactive to January. Let's see how this measure will work and what other options exist to save on your housing loan.
Do you have a Retirement Savings Plan (PPR) and want to withdraw funds early to pay off your mortgage? This is a process you can go through, but with certain conditions.
At the annual meetings of the International Monetary Fund (IMF) and the World Bank in Marrakech, Morocco, the chief economist predicted the continuation of high interest rates, which could "push the poorest countries into bankruptcy". But what to do in the face of the continuous rise in interest rates, if you have a home loan?
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.
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?