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Credit intermediary no. 0006860
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+351 211 453 334
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Housing Credit
Renovation

Housing credit renovation: Less leaks, more relaxing baths

The right credit, at the right time. Transform your home without stress.

Renovating your home is already enough work - we make the credit light and simple! Simulate now and take the first step.

@lang('Mulher relaxada numa banheira cheia de espuma, a desfrutar do conforto de uma casa renovada com crédito habitação para obras.')
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Partnerships
Logo of partner bank Abanca Logo of partner bank Banco CTT Logo of partner bank Banco BNI Logo of partner bank Bankinter Logo of partner bank BNP Paribas Logo of partner bank BPI Logo of partner financial institution Cetelem Logo of partner bank Caixa Geral de Depósitos Logo of partner financial institution Cofidis Logo of partner bank Novobanco Logo of partner bank Santander Logo of partner bank UCI

Quer renovar 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.

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

Why simulate your renovation credit with us?

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— 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.
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Save effort!

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

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

We guarantee total transparency, with no costs or surprises in the process.
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save without paying anything for it
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@lang('Família feliz a abraçar-se na sala renovada, após melhorar a casa com crédito habitação para obras e apoio gratuito.')

How we helped the Sousa family renovate their home with a housing renovation credit

From old house to dream home: The family transformed their home, increasing comfort and adding property value.

Simulate credit now
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2
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1

Need for renovation

The Sousa family loved their home but felt it needed a renovation to become more comfortable and functional with the arrival of their third child.

2

High cost of works

The estimated cost of the works was €45,000, an amount that was difficult to pay immediately without straining the family's budget.

3

Solution with housing renovation credit

With the help of a Poupança no Minuto specialist, they financed the renovation with accessible conditions and an instalment adjusted to their reality.

4

Transformation without a large investment

Today they enjoy a renovated, modern and welcoming home, without needing a large initial investment.

💸

All this, at no cost

@lang('Homem abraça o seu cão num momento de afeto em casa, agora mais acolhedora após remodelações feitas com apoio do Poupança no Minuto.')

Less hassle, more cosiness at home

Forget the financing complications and lengthy processes. Here, the goal is simple: Help you renovate your home with the best credit solution and without stress.

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Poupacademy

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

Everything you need to know to build your knowledge before taking the first step towards a new housing credit

Open book with colourful mathematical symbols floating, representing understanding of financial concepts

eBook on housing credit

If you're thinking of buying a home, this complete guide on housing credit is for you.

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

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

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All about the new housing package.

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

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

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The interest rate you choose for your home loan has a direct impact on the amount you will pay for the monthly...

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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...

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"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...

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

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

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

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Frequently asked questions

Frequently asked questions about renovation credit

A home renovation loan is specific financing for property owners who want to remodel, renovate or improve their home. It can be used for works such as room renovation, installation of new systems (such as plumbing and electricity), or even to increase the living space of the house.

This type of credit is aimed at any property owner who wishes to carry out improvement works. Even if you already have an active home loan, you can apply for an additional loan or renegotiate the existing contract to include the amount needed for renovations.

Among the main benefits are: Property appreciation: Renovations can increase the market value of your home. Improved comfort: Refurbishments make the space more comfortable and efficient. Adjusted payment terms: You can obtain better financing conditions with flexible terms and competitive rates. Increased energy efficiency: Energy efficiency works can reduce energy costs in the long run.

You can use the loan to finance a wide range of works, including: Kitchen and bathroom renovations, Window replacement and thermal insulation, Painting and cladding, Installation of new electrical or plumbing systems, Extension of the usable area of the house, Energy efficiency improvements (such as solar panels).

The documents usually required are: Identification document (Citizen Card or Passport); Proof of income (last tax return, pay slips); Bank of Portugal Credit Responsibility Map; Detailed budget of the works to be carried out.

Yes, you can. If you already have a home loan, you can apply for an additional loan specifically for renovations, or you can renegotiate the current loan to include the amount needed for the works.

Yes, by carrying out improvement and renovation works, the market value of the property can increase. This can be advantageous if you decide to sell the house in the future or want to renegotiate the loan on more favorable terms.

Yes, the home renovation loan can be used for energy efficiency improvements, such as installing thermally insulated windows, solar panels or more efficient heating systems. In addition to increasing the comfort of the home, these works can result in significant savings on energy bills.

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

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