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

Transfer

Housing credit transfer: Less interest, more holidays

Paying too much? Transfer your credit and start saving this month!

No stress, no bureaucracy and total transparency. Simulate now and swap your heavy instalment for a lighter one - without wasting time.

Simulate credit now

@lang('Casal sénior a passear com tranquilidade, sorridentes e relaxados depois de transferirem o crédito habitação e pouparem todos os meses.')

Partnerships

Why simulate your housing credit transfer 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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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 burden of a high instalment

The couple was paying an instalment of €1,439.28 per month, with a variable rate indexed to the 12-month Euribor.

An expensive credit

At a different bank, they obtained a proposal with a mixed rate – fixed for one year and then variable again.

The right choice to save

With the new conditions presented, the couple decided to transfer their housing credit to another bank and started paying a monthly instalment of €1,121.54.

Lower costs, better life

Per month, the couple saved €317.74, and per year, they achieved savings of €3,812.88.

💸

All this, at no cost

Frequently asked questions

Frequently asked questions about credit transfer

Yes, you can transfer your home loan at any time during the contract. Generally, there are no clauses preventing the borrower from transferring the loan to another bank. However, you must notify your current bank with a minimum of 10 days' notice. After that, the bank has 10 days to provide the loan data and documents to the new bank where the transfer will be made.

To transfer your home loan, you should contact other banks to obtain proposals that suit your needs. After receiving these proposals, compare them with the current conditions of your loan. At Poupança no Minuto, we help mediate the process and identify the most advantageous proposal for you.

The main advantages of transferring a home loan include: Reduction of the spread, resulting in a decrease in the Nominal Annual Rate (TAN); Extension of the contract term; Change of interest rate type (from fixed to variable, or vice versa); Reduction of required insurance premiums; With a new appraisal, the market value of your home may increase.

The APB protocol is an agreement between most banks that allows a mortgage to be transferred from one bank to another. To do this, you must request the Authorization Term at the bank where the mortgage is registered. This term, duly signed and stamped, must be delivered to the bank to which you wish to transfer the loan.

Costs may vary from bank to bank, but the most common include: Early repayment commission (up to 0.5% of the repaid capital if the interest rate is variable, or up to 2% if fixed); New deed costs; Application opening fees; New property appraisal costs.

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 transfer: Less interest, more holidays

Paying too much? Transfer your credit and start saving this month!

Save time!

Save effort!

Save money!

Save anxiety!

Less weight on the wallet, more lightness in life

What our clients say

How we helped Mariana and Duarte save over €300 by transferring their housing credit

The burden of a high instalment

An expensive credit

The right choice to save

Lower costs, better life

All this, at no cost

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

Frequently asked questions about credit transfer

Can I transfer my home loan at any time?

How do I transfer my home loan to another bank?

What are the advantages of transferring a home loan?

What is the APB protocol?

What costs can a home loan transfer involve?