Housing Credit

Construction

Housing credit for construction: Less paperwork, more panoramic windows

The support you need, at the right time and without complications.

Building is already enough work - the credit does not need to be complicated. Simulate now, and focus only on your project.

Simulate credit now

@lang('Casal jovem a brincar com o cão durante uma remodelação, símbolo da leveza e alegria de construir a casa dos seus sonhos com apoio do Poupança no Minuto.')

Quer construir a sua casa com o melhor crédito?

We negotiate the best interest rates and find the best solution for your profile. Simulate now and save from the very first instalment.

Simulator

Crédito Habitação Construção

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

Why simulate your construction 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 sentado no chão a escolher cores e materiais para a nova casa, num momento de planeamento facilitado pelo crédito habitação construção.')

How we helped João and Marta build their dream home - without financial complications.

From empty land to the perfect home: The couple fulfilled their construction dream with accessible housing credit.

Simulate credit now

The dream home

João and Marta always dreamed of having the perfect home for their family, but the land they acquired needed to be transformed into a home.

Need for construction

The estimated construction cost was €120,000, a high amount to pay all at once without jeopardising the couple's financial stability.

Housing credit for construction

With the construction housing credit found by Poupança no Minuto, João and Marta secured personalised financing, without surprises and with an instalment adjusted to their budget.

Realisation with accessible conditions

Today, João and Marta live in their dream home, built exactly as they imagined, without having to make a large initial investment.

💸

All this, at no cost

@lang('Família feliz a rir-se e a abraçar-se na cama, já a viver na casa que construiu com o apoio gratuito do Poupança no Minuto.')

Less bureaucracy, more dream bedrooms

Forget the complications and start building your dream. The focus is simple: Realise your project without stress - with conditions tailored to your wallet and your plans.

Simulate in one minute

Frequently asked questions

Frequently asked questions about construction credit

It is a type of financing for those who wish to build a house from scratch. The amount is released in tranches as the construction progresses, based on the phases outlined in the project.

Anyone who owns a plot of land and has an approved construction project. It is also possible to combine income with a co-applicant to strengthen financial capacity.

The credit amount is released in stages as the construction progresses (e.g. structure, roof, finishing). Before each tranche, the bank carries out an on-site inspection.

Yes. The construction loan requires the applicant to already own a plot of land or to include the purchase of the land along with the construction in the financing.

In addition to personal documents and proof of income, you need to submit: Land certificate Architecture project approved by the municipality Building permit Detailed construction budget

Yes. As long as the bank approves the project, you can include the land acquisition and construction costs in the loan.

Yes, as long as the land is legally registered in the applicant's name. Heirs can also be included as co-applicants on the loan.

It can. Some institutions apply different rates during the construction period and adjust them at the end, when the property is completed.

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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Life insurance

Multi-risk insurance

Health insurance

Personal accident insurance

Housing credit for construction: Less paperwork, more panoramic windows

The support you need, at the right time and without complications.

Quer construir a sua casa com o melhor crédito?

Save time!

Save effort!

Save money!

Save anxiety!

What our clients say

How we helped João and Marta build their dream home - without financial complications.

The dream home

Need for construction

Housing credit for construction

Realisation with accessible conditions

All this, at no cost

Less bureaucracy, more dream bedrooms

It's our time to share knowledge about a new housing credit

Frequently asked questions about construction credit

What is a home construction loan?

Who can apply for a home construction loan?

How does tranche financing work?

Do I need to own a plot of land to apply for this loan?

What documents need to be submitted to the bank?

Can I include the purchase of the land in the loan?

Is it possible to build on inherited land?

Does a construction loan have different rates than a traditional home loan?