Poupança no Minuto

Reviews

What our clients say

5.0

Marco Emídio

08 November 2024

I would like to highlight the help and availability of Cátia Baleizão, who assisted us in changing our credit in a simple and quick way. Thank you.

Marcos FM

14 October 2024

João Lemos: Excellent professional financial advice. Credible, reliable and effective in helping me to secure the best mortgage rate and transfer from previous contract and bank. In depth knowledge of the law, regulations and procedures, as well as great connections with managers in many different banks. All services provided online. Whenever I had to go in person to the bank and land registry’s office, I had the option to choose dates and times that were suitable to me. At my arrival in both places, people were ready and waiting for me. I never had to make a single phone call or book anything myself. In a country foreign to me, which I find quite bureaucratic at times , simply superb service!

Janine Langeveld

27 September 2024

João Lemos, my financial advisor from "Poupança no Minuto," was a lifesaver during the process of buying my first apartment in Portugal. João’s charm, efficiency, and industry expertise truly made a world of difference! With five years of living in Portugal and some real estate experience in the Netherlands, I thought I knew the ropes. However, João’s guidance was exceptional. He ensured the process was fast and seamless, leaving no detail overlooked. João's extensive financial knowledge and strong connections within the banks helped me secure the best mortgage deal quickly, easing a typically stressful part of the process. His proactive approach and dedication made me feel like I was always his top priority, despite his many other projects. Not only did João provide top-notch financial advice, but he also offered tremendous support during the stressful moments. His deep understanding of the process, fluent English, and amazing social skills are invaluable. João, I couldn’t have done this without you! Thanks a million!!

Petra Sundell

08 January 2024

I've worked with Joao Lemos for a while now, and he has been outstanding in his work and support. He has been a cornerstone in the processes of helping me getting a mortgage, and honestly I couldn't have done it without him. Joao truly cares about his clients, and he'll go the extra mile to make sure you get support you need. I couldn't be happier to recommend Joao if you're looking for a trustworthy partner for your financial needs in Portugal.

cheryl menezes

18 November 2024

“We cannot recommend Joao highly enough! From the very beginning, he made the complex process of securing a house mortgage feel smooth and stress-free. His expertise, professionalism, and genuine care for our needs stood out at every step. Joao took the time to understand our unique situation, patiently explained every detail, and always kept us informed. His proactive approach and dedication ensured that we secured the best possible deal in a timely manner. What truly sets him apart is his friendly demeanor and commitment to making his clients feel valued and supported throughout the process. Thanks to him we are now proud homeowners in Portugal and we couldn’t have done it without him.

Diogo Santos

08 November 2024

Pedro Jorge: the professional advisor that accompanied my entire house purchasing process. The bank loan simulations, proposal, credit approval, and finally the house deed. From the start, he demonstrated great knowledge and financial skills, complemented by his vast connections in the area, which sped up the process by a lot. When I was contacted by him, I had already received proposals from 3 other credit intermediary firms, and yet he was still able to get credit pre-approved before all of them, despite the fact the other firms had weeks of head start over him. He showed me how he performed the simulations, and the analysis that he went through in order to choose the right bank for me. This transparency convinced me he was the right person to counsel me. I was also quite captivated by his humility, even though he was clearly in a league above the rest. I 100% recommend him.

Davi Dos Anjos

08 November 2024

The service is of great quality, with support throughout the process from start to finish. I received excellent guidance and a very satisfactory result with my financing. Thank you very much Poupança ao Minuto and consultant João Lemos, who was very attentive and professional.

André Couto

21 December 2023

I would like to thank you in advance for all the attention and time spent dealing with my situation. A truly reliable and valuable company that cares about its customers. I especially thank your colleague Cátia Baleizão, who has been with me from the very first minute, for all the professionalism, patience, and concern she demonstrated in helping. A big thank you and best wishes.

Frequently asked questions

Frequently asked questions about car credit

Personal auto credit is a type of financing intended for the purchase of new or used vehicles. It allows you to obtain the necessary amount to acquire a car, which is then repaid in fixed monthly installments over an agreed term with the financial institution.

The main advantages of auto credit include: Flexibility: You can finance new or used cars. Extended terms: Ability to adjust the payment term to your financial capabilities, generally up to 7 years. Fixed interest rates: You always know the amount of your monthly payment, without surprises. Quick access to financing: The approval process is generally simple and fast, allowing you to purchase the car you want without delays.

Personal auto credit works like a traditional loan. The financial institution grants you the amount needed to purchase the vehicle and, in return, you commit to paying fixed monthly installments until the end of the agreed term. Depending on the offer, the car may serve as collateral for the credit.

The maximum amount you can request depends on the financial institution and your repayment capacity. In general, you can apply for amounts between €5,000 and €75,000, depending on the value of the vehicle and your financial situation.

Yes, auto credit can be used for both new and used car purchases. The conditions may vary slightly, with payment terms for used cars typically being shorter and interest rates slightly higher.

The documents normally required are: Identification document (Citizen Card or Passport); Proof of income (last tax return and pay slips); Bank of Portugal Credit Responsibility Map; Pro-forma invoice or vehicle sale proposal; Proof of supplier's bank account (if applicable).

The main costs include: Annual Effective Global Rate (TAEG), which reflects all costs associated with the credit, including interest and commissions; Application fees and, in some cases, vehicle appraisal expenses; Any mandatory insurance, such as life insurance or car insurance, depending on the financial institution.

Yes, you can renegotiate the terms of your auto credit with the financial institution. It is possible to request a review of the payment term or even transfer the credit to another institution with better conditions.

New Credit

Young Housing Credit 100%

Renovation Credit

Construction Credit

Credit Transfer

New Credit

Consolidated Credit

Auto Credit

Credit life insurance

Life insurance

Multi-risk insurance

Health insurance

Personal accident insurance

Auto credit: Less waiting, more wind in your hair

You only need to worry about choosing the car - we handle the rest.

Want to buy a car without straining your budget?

Save time!

Save effort!

Save money!

Save anxiety!

Less obstacles, more kilometres driven.

What our clients say

How we helped Teresa buy the car of her dreams with auto credit

Need for financing

High cost to open the business

Solution with personal credit

Transformation and success

All this, at no cost

Frequently asked questions about car credit

What is personal auto credit?

What are the advantages of a car loan?

How does personal auto credit work?

What is the maximum amount I can request?

Can I finance a used car with auto credit?

What documents are required to apply for auto credit?

What are the costs associated with auto credit?

Can I renegotiate my auto credit?