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Is your spread high? Find out how much more you might be paying

The spread of your housing loan may be above current available conditions. Learn how to assess your spread and...

Can consolidated credit be denied? Find out why

Consolidation of credits is not guaranteed and depends on financial institutions' analysis. Learn the main fac...

Effort rate of 45%: how much can you ask to buy a house?

The effort rate is one of the main indicators used by banks when analyzing a housing loan application. Since A...

Can I have two personal loans at the same time?

Having more than one personal loan is not, in itself, forbidden. However, each new application is assessed con...

Bank home evaluation: how it works and why it can be decisive for credit?

The property evaluation is an important step in housing credit. Learn what it is for and what can happen if th...

Consolidated credit: what happens if one credit has a much lower rate?

Consolidate credits can simplify payment of installments and, in some cases, reduce the monthly amount. But wh...

New housing credit rules: what changes in financing approval?

Know what has changed and what to consider before proceeding with a housing loan.

Money at the Table with Joana Barrios x Poupança no Minuto: How to build a prosperous financial future.

When we talk about financial freedom, we are not just talking about managing money better today. We are also t...

Can I consolidate credits without changing bank?

Consolidating credits can help simplify financial management and reduce monthly payments. But will you need to...

Can I consolidate debts while being at Banco de Portugal?

Registered with the Banco de Portugal is normal for those with credits. But in case of delays or defaults, con...

Money on the Table with Joana Barrios × Poupança no Minuto: the wage gap is also felt in the financial life.

After the appetizer comes the main course. In the second episode of Money on the Table, Joana Barrios prepares...

What happens to housing loan if you lose your job?

We explain what to do in case of income loss, what coverages you can find in the home loan insurance, and what...

First episode of Accounts, Weight and Measure: new series with Joana Barrios and Poupança no Minuto about financial autonomy

Talking about money is also talking about choices, autonomy, and freedom. But the relationship with money is n...

Housing loan: pay off or invest? What is more profitable?

Do you have money available and still pay the housing loan? Find out what to consider before deciding between...

Can I combine my credit cards into one credit?

Having multiple credit cards can make budget management more complex. Learn how debt consolidation works and t...