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"Poupança no Minuto" Consolidated Credit Guide: How to consolidate debts and lower the installment?
Having several credits simultaneously - such as a car loan, credit cards, and a personal loan - is one of the main reasons for financial imbalance in families. When the various installments accumulate, monthly liquidity disappears, and the effort rate reaches unsustainable levels. Discover how Poupança no Minuto can help you manage your finances more effectively: [URL].
4 min
Buying a house: A complete guide on the process.
Read all steps and concepts about the home buying process.
2 min
Guide to 100% financing for youth.
100% financing for young people has generated great interest among those who want to buy a house without savings. But who can access it and under what conditions?
4 min
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 credit for renovations, you have the opportunity to transform your property in a smart and financially advantageous way.
7 min
How does the housing credit transfer work?
Are you dissatisfied with your current home loan? Tried to renegotiate the contract terms without success? Understand how home loan transfer works in this article.
4 min
Most read this month
What are the deadlines for reporting a lease?
23 Jul 2026 • 4 min
Tolls in 2026: increases, exemptions, and tricks to save on travel with Poupança no Minuto.
23 Jul 2026 • 3 min
When amortizing in home credit, how much time can I reduce on the contract?
30 Jun 2026 • 3 min
Want to save on credits and insurance?
Subscribe to our newsletter and never miss any content. Learn how to have a healthier financial life.
Renting a house in Portugal: Essential guide for tenants.
09 Jul 2026 • 3 min
CPCV: mandatory clauses and how to protect the buyer
10 Jul 2026 • 2 min
Want to save on credits and insurance?
Subscribe to our newsletter and never miss any content. Learn how to have a healthier financial life.
Videos
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Latest
Defensive investment in 2026: deposits, certificates, and alternatives.
In a scenario of unstable interest rates, Portuguese families are looking for safe havens to protect their savings. Know the best conservati...
24 jul 2026 • 2 min
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%. In practice, the rules for ac...
23 jul 2026 • 5 min
Tolls in 2026: increases, exemptions, and tricks to save on travel with Poupança no Minuto.
The year 2026 brought significant changes for those driving on Portuguese highways. From general price increases to new exemptions in the in...
23 jul 2026 • 3 min
What are the deadlines for reporting a lease?
Terminating a lease contract before the end of the term is possible by complying with certain notice periods to notify in advance the intent...
23 jul 2026 • 4 min
Housing credit
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%....
5 min
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...
2 min
Personal credit
Credit card in summer: how to use without creating debts
Vacations bring more expenses with travel and leisure. Credit card can be very convenient, but turns vacations...
2 min
Personal credit: Know everything to make the right choice.
Discover everything you should consider when hiring a personal loan.
2 min
Insurance
Life insurance for mortgage credit: how to lower the installment amount.
Many people are unaware that a significant portion of their mortgage payment goes towards life insurance, not...
2 min
7 reasons to review your life insurance policy
Life insurance is a monthly expense that many policyholders do not review frequently. In the case of policies...
3 min
Savings
Defensive investment in 2026: deposits, certificates, and alternatives.
In a scenario of unstable interest rates, Portuguese families are looking for safe havens to protect their sav...
Mortgage Credit
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%....
Savings
Tolls in 2026: increases, exemptions, and tricks to save on travel with Poupança no Minuto.
The year 2026 brought significant changes for those driving on Portuguese highways. From general price increas...
Real estate
What are the deadlines for reporting a lease?
Terminating a lease contract before the end of the term is possible by complying with certain notice periods t...
Savings
Guide to help your child build savings.
Financial literacy is not only taught in schools. Helping children manage their own money and understand the v...
Savings
Security fund: build a financial cushion in 2026.
The sudden breakdown of the car, a dental health issue, or an unexpected job loss have something in common: th...
Insurance
Life insurance for mortgage credit: how to lower the installment amount.
Many people are unaware that a significant portion of their mortgage payment goes towards life insurance, not...
Savings
Complete guide to getting a personal loan in 2026.
Consumer financing is a useful solution to fulfill projects or solve emergencies. However, lack of planning an...
Mortgage Credit
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...
Savings
Signs of over-indebtedness: how to tell if you already have too much credit
Credit is a useful tool to achieve goals, but losing control quickly turns financial assistance into a nightma...
Savings
Redeeming PPR in 2026: Guide to rules, exemptions, and taxes.
Redeeming the Retirement Savings Plan (PPR) at the wrong time can cost you a fortune in fines and taxes. The 2...
Mortgage Credit
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....
Real estate
CPCV: mandatory clauses and how to protect the buyer
The Promise of Purchase and Sale Agreement formalizes the acquisition of a property. Get to know the essential...
Real estate
Renting a house in Portugal: Essential guide for tenants.
Are you going to rent a house? Find out which documents are required, how the contract works and discover the...
Real estate
Buying a house as a couple: sharing expenses and legal rules.
Are you buying a house as a couple? Learn how to register the down payment in the deed, split the loan install...
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