Housing credit transfer: Less interest, more holidays

Will it be harder to buy a house? Bank of Portugal reduces debt-to-income ratio to 45%.

The maximum effort rate, technically known as DSTI (Debt Service-to-Income), has been reduced from 50% to 45%....

Are you going to do construction work? How does the urban planning process work at city hall?

Starting to tear down walls without consulting the legislation is a mistake that can result in embargoes and h...

Youth home loan support for Poupança no Minuto in 2026.

Buying a house continues to be more viable for the younger generation thanks to the current stimulus package....

All about the new housing package.

Access to housing has been the biggest challenge for Portuguese families in recent years. Discover the measure...

When amortizing in home credit, how much time can I reduce on the contract?

Making an early amortization of the home loan can serve various purposes. If you have a sum of money ready to...

Home renovation loan: Invest in the transformation of your house.

Renovating your home can be an important step to increase the comfort and value of your property. With housing...

Euribor and mortgage credit: Complete guide 2026.

Did your monthly mortgage increase? Probably due to the rise of Euribor. Understand everything about this benc...

Mortgage: Portugal offers some of the lowest interest rates for new contracts.

If you are thinking of buying a house, there is an indicator that works in your favor: Portugal currently has...

Plan the entrance of the house: how much do you really need to save?

Many know they need a down payment to buy a house, but few realize how much they should have available before...

Default on mortgage: Consequences and solutions.

Learn what happens if you default on your home loan, and how to resolve it.

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...

Guide to 100% financing for youth.

100% financing for young people has generated great interest among those who want to buy a house without savin...

"Finance as a couple: organizing the budget to buy a house"

Buying a house as a couple is a common goal, but there isn't always a shared financial strategy. When each per...

Family Mortgage: How parental help can enable home loans. Poupança no Minuto.

Buying your first home is an important step, but also one of the most difficult to achieve. With real estate p...

How does the IRS impact the financial ability to request credit?

The income declared in the IRS influences the approval and conditions of your credit. Learn how to optimize yo...