Mortgage solutions ⌵

New Credit

Make your dream home a reality with advantageous conditions.

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Young Housing Credit 100%

100% financing for those up to 35 years old.

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Renovation Credit

Financing for renovations and improvements to your home.

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Construction Credit

Bring your home project to life with financing tailored to you.

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Mortgage refinancing

Switch your home loan and save on your monthly payments.

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Consolidated Credit

Personal Credit ⌵

New Credit

Finance your new projects without complications.

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Consolidated Credit

Make your dream home a reality with advantageous conditions.

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Auto Credit

Finance your new car with competitive rates.

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Insurance ⌵

Credit life insurance

Protect your home loan in case of the unexpected.

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Life insurance

Protect those you love most with insurance tailored to your needs.

Multi-risk insurance

Comprehensively protect your home and all your belongings.

Health insurance

Guaranteed medical care for you and your family.

Personal accident insurance

Guarantee financial support in case of an accident.

PoupAcademy

About us

Contact

Simulators

Consolidated Credit

PoupAcademy

About us

Contact

Credit intermediary no. 0006860

Talk to an agent

+351 211 453 334

Monday to Friday, from 9am to 7pm.

Talk to an agent

Monday to Friday, from 9am to 7pm.

Housing Credit

Construction

Housing credit for construction: Less paperwork, more panoramic windows

The support you need, at the right time and without complications.

Building is already enough work - the credit does not need to be complicated. Simulate now, and focus only on your project.

Simulate credit now

@lang('Casal jovem a brincar com o cão durante uma remodelação, símbolo da leveza e alegria de construir a casa dos seus sonhos com apoio do Poupança no Minuto.')

Partnerships

Quer construir 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.

Simulator

Crédito Habitação Construção

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

Why simulate your construction credit with us?

— 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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Simulate

Reviews

What our clients say

5.0

rui ribeiro

29 January 2026

For personal and financial reasons, I turned to Poupança ao Minuto. My experience was one of complete help at every stage with immense dedication. The humanism shown to me was as if I were family. Whenever something was needed, I was guided precisely in obtaining the documentation. The professionalism of Dr. Joana Cândido is worthy of praise. I recommend Poupança ao Minuto to anyone looking for quick results. With all the affection in my heart, my sincere thanks to Dr. Joana Cândido for every step she took in my process. Rui Ribeiro

R&R Party

30 June 2026

We'd like to express our deepest gratitude to the outstanding professional Cátia Baleizão. We highly recommend her! The process was always handled with the utmost professionalism, seeking the best possible conditions for the client! We even had the pleasure of meeting Cátia on the day of the signing. If we need this type of service again, we will certainly speak with Cátia again. Thank you very much and best wishes both personally and professionally ✨

Tony Santos

29 June 2026

I am writing to express my sincere praise for Ms. Joana Cândido's prompt response to my request; everything was ready in just 48 hours. Ms. Joana has no idea how much she saved me during this difficult time in my life. With one of my daughters hospitalized and me lacking resources, Ms. Joana was a small light in my darkness. I can never thank her enough for her dedication to my case. Thank you very much, Ms. Joana Cândido.

henrique gonçalves

25 June 2026

I want to express my deepest gratitude to the Poupança no Minuto team for the professionalism and availability shown throughout the entire process. Director João Lemos demonstrated extraordinary commitment, always attentive to defending my interests with persistence and always presenting the best possible solution. His financial and banking experience, seriousness, and leadership skills made all the difference. I recommend Poupança no Minuto without any reservation. An excellent service, provided by people who truly understand what it's like to be on the ground.

The dream home

João and Marta always dreamed of having the perfect home for their family, but the land they acquired needed to be transformed into a home.

Need for construction

The estimated construction cost was €120,000, a high amount to pay all at once without jeopardising the couple's financial stability.

Housing credit for construction

With the construction housing credit found by Poupança no Minuto, João and Marta secured personalised financing, without surprises and with an instalment adjusted to their budget.

Realisation with accessible conditions

Today, João and Marta live in their dream home, built exactly as they imagined, without having to make a large initial investment.

💸

All this, at no cost

Frequently asked questions

Frequently asked questions about construction credit

It is a type of financing for those who wish to build a house from scratch. The amount is released in tranches as the construction progresses, based on the phases outlined in the project.

Anyone who owns a plot of land and has an approved construction project. It is also possible to combine income with a co-applicant to strengthen financial capacity.

The credit amount is released in stages as the construction progresses (e.g. structure, roof, finishing). Before each tranche, the bank carries out an on-site inspection.

Yes. The construction loan requires the applicant to already own a plot of land or to include the purchase of the land along with the construction in the financing.

In addition to personal documents and proof of income, you need to submit: Land certificate Architecture project approved by the municipality Building permit Detailed construction budget

Yes. As long as the bank approves the project, you can include the land acquisition and construction costs in the loan.

Yes, as long as the land is legally registered in the applicant's name. Heirs can also be included as co-applicants on the loan.

It can. Some institutions apply different rates during the construction period and adjust them at the end, when the property is completed.

New Credit

Young Housing Credit 100%

Renovation Credit

Construction Credit

Mortgage refinancing

New Credit

Consolidated Credit

Auto Credit

Credit life insurance

Life insurance

Multi-risk insurance

Health insurance

Personal accident insurance

Housing credit for construction: Less paperwork, more panoramic windows

The support you need, at the right time and without complications.

Quer construir a sua casa com o melhor crédito?

Save time!

Save effort!

Save money!

Save anxiety!

What our clients say

How we helped João and Marta build their dream home - without financial complications.

The dream home

Need for construction

Housing credit for construction

Realisation with accessible conditions

All this, at no cost

Less bureaucracy, more dream bedrooms

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

Frequently asked questions about construction credit

What is a home construction loan?

Who can apply for a home construction loan?

How does tranche financing work?

Do I need to own a plot of land to apply for this loan?

What documents need to be submitted to the bank?

Can I include the purchase of the land in the loan?

Is it possible to build on inherited land?

Does a construction loan have different rates than a traditional home loan?