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Monday to Friday, from 9am to 7pm.
Housing Credit
100% Financed

Young housing credit: 100% financing, 0% complications

Less bank marathons, more series marathons.

No initial deposit: Move into your first home with peace of mind and confidence. Simulate now and make the dream of homeownership a reality.

@lang('Jovem a celebrar com entusiasmo no sofá, aliviada por ter conseguido comprar casa sem entrada inicial com apoio gratuito do Poupança no Minuto.')
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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

Buying a home with no down payment? Yes, it's possible!

Special conditions for young people who want to finance 100% of the property value. Simulate now.

Simulator
100% financed
Ilustração de duas personagens animadas a explorar soluções financeiras, junto ao simulador de crédito habitação.

Why simulate your young 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.

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.
Reviews

What our clients say

Google Reviews
5.0
Star Star Star Star Star
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Marco Emídio

08 November 2024

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Star Star Star Star Star
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.
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Marcos FM

14 October 2024

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Star Star Star Star Star
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!
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Janine Langeveld

27 September 2024

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Star Star Star Star Star
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!!
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Petra Sundell

08 January 2024

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Star Star Star Star Star
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.
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cheryl menezes

18 November 2024

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Star Star Star Star Star
“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.
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Diogo Santos

08 November 2024

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Star Star Star Star Star
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.
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Davi Dos Anjos

08 November 2024

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Star Star Star Star Star
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.
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André Couto

21 December 2023

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Star Star Star Star Star
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 jovem a desfrutar de um momento de intimidade e tranquilidade em casa própria, possível graças ao crédito habitação 100% financiado.')

How we helped Andreia and Carlos save €60,000 with a 100% financed housing credit

The young couple achieved their dream of homeownership, saving on the deposit without compromising their finances.

Simulate credit now
1
2
3
1

First simulation

Bruno Miguel was looking for the best conditions for his first investment in Portugal, and the journey began with a quick credit simulation on our website.

2

Solution personalisation

Our team understood Bruno's needs and goals and offered a personalised solution to meet his expectations and help make his dream a reality.

3

Negotiation and completion

We then negotiated with several banks to secure the best credit proposal and managed the entire process through to the deed signing.

💸

All this, at no cost

Alvo

Requirements to access the 100% financed young credit

House
1
Be between 18 and 35 years old;
2
Have income up to the 8th IRS bracket;
3
Have a tax address in Portugal;
4
Be the purchase of your first home;
5
The property must be for permanent own residence and up to €450,000.
@lang('Jovem a cozinhar e a criar conteúdo num ambiente descontraído, símbolo da liberdade conquistada com o crédito habitação jovem 100% financiado.')

Less deposits, more dreams

Forget the initial deposit. Our focus is simple: Help young people achieve homeownership without stress. Because what matters most is your future.

Simulate in one minute
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 →
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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
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