Personal Credit

Consolidated

Consolidated Credit: Less bills on your mind, more head in the clouds

If you have multiple credits weighing on your budget, it's time to save.

Consolidate all your credits into one single instalment and save every month - without stress, without surprises.

Simulate credit now

@lang('Casal relaxado deitado no chão entre cães de estimação, transmitindo tranquilidade e alívio após consolidar os seus créditos.')

Too many instalments weighing on your budget?

Consolidate your credits into one and reduce your monthly payment. Save time and money with a quick simulation.

Simulator

Credit Consolidation

Ilustração de duas personagens animadas a explorar soluções financeiras, junto ao simulador de crédito habitação.

Why simulate your consolidated credit with us?

— Save more by saving here

Save time!

We compare the best proposals from 30 banks and partners to save you money and, of course, time.

Save effort!

An exclusive manager handles the entire process for you, without complications.

Save money!

We negotiate the best rates, ensuring an instalment adjusted to your budget.

Save anxiety!

We guarantee total transparency, with no costs or surprises in the process.

Simulate

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.

@lang('Casal sénior a caminhar num parque, simbolizando liberdade financeira e bem-estar após poupar com crédito consolidado.')

How we helped Francisco and Carla consolidate their credits and save over €3,000 a year

With our help, the couple combined their credits into one instalment, gaining more financial breathing room for the arrival of their first child.

Simulate credit now

Need for financing

O Francisco e a Carla queriam maior controlo financeiro, especialmente, com a chegada de um novo membro na família.

High cost to open the business

O casal pagava 803,33€ por três créditos diferentes: 405€ pelo crédito automóvel, 348,33€ pelo crédito pessoal e 50€ por um cartão de crédito.

Solution with personal credit

Encontrámos a solução ideal de crédito consolidado para o casal, permitindo-lhes começar a poupar todos os meses.

Transformation and success

O casal conseguiu uma poupança de 275,31€ por mês, e 3.303,72€ por ano!

💸

All this, at no cost

@lang('Mulher a sorrir ao telefone, descontraída em casa, após simplificar as suas finanças com crédito consolidado.')

Less calls from the bank, more calls to friends

Forget the financial burden: Here, the focus is to consolidate your credits and reduce your monthly payment simply and quickly. Take back control of your finances today.

Simulate credit

Frequently asked questions

Frequently asked questions about credit consolidation

Debt consolidation credit is a type of financing that allows you to combine multiple loans into a single monthly payment. Banks typically consolidate different types of credit, such as home loans, consumer credit and credit cards. For example, if you have a mortgage, a car loan and a credit card, you can consolidate them all into one contract.

If the consolidation includes only consumer credits, the maximum term offered by banks is generally 7 years, with higher interest rates. However, if you have a property to use as collateral, i.e. if you include a home loan in the consolidation, the repayment term can be longer.

The main purpose of consolidating credits is to simplify payment by combining multiple installments into one, which can reduce the monthly amount paid. However, the loan term may be extended. Consolidated credit can be an effective solution for those who have difficulty meeting monthly payments on multiple credits.

The main advantages include: Reduced risk of default: With a single payment, it is easier to manage finances and avoid missed payments. Lower monthly payment: By consolidating credits, the monthly installment tends to be reduced, providing greater financial flexibility immediately. Competitive interest rates: In many cases, the interest rates on consolidated credit are more attractive, especially in the short term.

Among the disadvantages are: Early repayment cost: Consolidating credits may involve repaying existing debts, which can result in early repayment commission costs. For variable rate credits, this commission can be up to 0.5% of the amount repaid, while for fixed rate it can go up to 2%. Additional costs: Credit consolidation can also generate legal and tax costs, such as registration fees and stamp duty. Increased interest in the long term: Although the monthly payment is lower, extending the repayment term can result in paying more interest over time.

Contact

Talk to an agent now

Want to know more? Talk to one of our agents to clarify any doubts and discover the perfect solution for you.

+351 211 453 334

Call to national landline | Monday to Friday, 9am to 7pm.

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