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 personal credit

We don't always have the funds available to carry out our projects. A personal loan allows you to finance the purchase of goods or services for various purposes, such as home renovations, education, health or even travel. The amount, term and type are adjusted to your situation at the time of signing the credit agreement.

Requirements: - Identification document: Citizen Card or Permanent Residence Permit - Age: > 30 years (preferred) - Income: > €820 (taxed in Portugal) - Minimum amount: €5,000 - Tax residence in Portugal - Must have existing credit responsibilities

Before taking out a consumer loan, it is important to assess the impact of the monthly payment on your household budget and compare different credit options available on the market.

To find the most suitable personal loan for your situation, you will need to share detailed information about your needs. The more precise the information provided, the more tailored the credit proposal will be, taking into account different features and costs.

You can apply for a personal loan directly at a financial institution or online. To ensure the best financial conditions, we recommend comparing proposals from several institutions and negotiating. Poupança no Minuto agents do this analysis for you, ensuring you find the best solution.

Before taking out a loan, it is essential to be clearly and transparently informed about all the conditions. You should compare credit proposals based on the Annual Effective Global Rate (TAEG). All this information is included in the Standardised Information Sheet (FIN), which must be provided by the financial institution.

The required documents include: Citizen Card (or ID Card + Tax Number); Proof of income: Employees: Last tax return + last pay slip or last 6 pay slips; Self-employed: Tax return + receipts issued in the current year; Retired or pensioners: Tax return and Social Security statement; Quote (in the case of renovation credit); Pro-forma invoice or sale proposal (e.g. for car credit); Proof of supplier's bank account (for car credit).

Yes, it is possible to renegotiate your personal loan. Poupança no Minuto agents can analyse your current contract and negotiate with the financial institution to improve the loan conditions, resulting in significant savings for you.

It is not possible to transfer a personal loan to another institution. However, if you have multiple loan payments, you can opt for debt consolidation, combining all payments into one with a lower monthly installment.

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

Personal credit: Less obstacles, more freedom

Take your projects off the shelf and give credit to your dreams.

Do you need credit to fulfil your plans?

Save time!

Save effort!

Save money!

Save anxiety!

Less limitations, more open doors

Save with the right solution

What our clients say

How we helped Pedro turn his idea into a business with personal credit - without stress!

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 personal credit

What is a personal loan?

What are the prerequisites?

Is a personal loan the best solution for me?

What type of personal loan is right for me?

How do I apply for a personal loan?

What pre-contractual information should I know?

What documentation is required to apply for a personal loan?

Is it possible to renegotiate a personal loan?

Is it possible to transfer a personal loan?