Young housing credit: 100% financing, 0% complications

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...

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...

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...

New housing credit rules: what changes in financing approval?

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

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...

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...

Housing Loan: how to sell your current house to buy a new one?

Switching homes while still having a housing loan requires planning. Learn what to analyze before selling your...

Home loan: what happens when the house appraisal is lower than the purchase price?

If the bank valuation is below the purchase price, the financing may be affected. Know what may happen and how...

Do you have a mortgage for several years? 7 things you should review with Poupança no Minuto.

The terms of the home loan may become less competitive over the years. Find out when it might make sense to re...

Housing loan for 30, 35 or 40 years: which term is more advantageous?

30, 35 or 40 years: what is the most advantageous term for your housing loan? Compare the impact on the monthl...

When is 6% or 23% VAT paid in construction?

The cost of a work can vary greatly depending on the VAT rate applied. But when can you benefit from the reduc...

"Poupança no Minuto: Main differences between mortgage and leasing?"

When buying a house, there are several ways to finance the property. Home loans remain the most common option,...

How to read a PIE (European Standardized Information Sheet)

When looking for a loan and banks make tempting offers, only one document reveals the total financial truth. D...

"Poupança no Minuto Housing Credit Guide: Everything You Need to Know"

Buying a house is one of the most important decisions in your financial life. Two bank proposals with the same...

Real estate capital gains in 2026: calculation, exemptions and planning. Poupança no Minuto

Selling a house usually generates a profit and the Tax Office always claims its share. Understanding what capi...