Housing Credit Acquisition
What is LTC and LTV in credit?
Do you know the purpose of Loan-to-Cost (LTC) and Loan-to-Value (LTV) ratios in financing? Find out more.
Related to: "Home credit: Why is it considered the lowest value between acquisition and evaluation for LTV?"
Housing Credit Acquisition
Why does the financing limit differ depending on the purpose of housing?
Currently, there are limits applied to mortgage loans, but they differ depending on the purpose given to the property. What is the reason for this differentiation? Read the explanation from the Bank of Portugal (BdP) below.
Housing Credit Acquisition
Guia com tudo o que precisa de saber para contratar crédito habitação
Adquirir uma casa é um dos maiores investimentos na vida de uma pessoa. Para muitos, isso implica recorrer a um crédito habitação. Este guia oferece uma visão abrangente sobre os principais aspetos a considerar ao contratar um crédito habitação, desde a comparação de propostas até à escritura final.
Housing Credit Acquisition
What is the difference between the acquisition value and the appraisal value of a property?
The difference between the two values has an impact on hiring a housing loan when buying a house. Find out why in this article.
House Purchase
What should you do before buying a house?
Want to buy a property and don't know the steps to follow in the process? In this article, we explain three phases that you must go through before buying a house, and how credit intermediaries can help.
Housing Credit Acquisition
FINE: Learn how to analyze a credit proposal
When buying a house with a mortgage, you may come across confusing terms. If you have started the process and the bank has given you a sheet called FINE, understand its purpose and how to analyze it.
Housing Credit Acquisition
Effort rate: What is this concept and how is it calculated?
The effort rate is one of the concepts in mortgage credit. In short, the effort rate assesses whether you have the ability to meet the installments of a loan. But what does this concept mean and how is it calculated?
House Purchase
House hunting: Where to start?
Are you planning to buy a new house and have already gone to the bank to assess your financial capacity to move forward? If so, and you now have a pre-approved home loan, find out how to proceed in finding the right property in this article.
Housing Credit Acquisition
Mortgage loan: What is the difference between APR and APRC?
When buying a house through a bank loan, you may be faced with complex mortgage credit language. Such as the acronyms related to interest rates, APR and APR. So, what do they mean and what do they represent?
Mortgage Credit Transfer
Is the transfer of home credit free of charge?
With the rise in interest rates, the difficulty in paying the monthly installments of housing credit is greater. Therefore, it is important to look for savings solutions in credit, such as transferring it. Learn how this process works, and if it has costs.
Housing Credit Acquisition
Mortgage credit: Fixed, mixed, or variable interest rate?
The interest rate you choose for your home loan has a direct impact on the amount you will pay for the monthly installment. You can choose between a fixed, variable, or mixed rate. But what does each concept mean, how does it work, and how does it impact the loan?
Housing Credit Acquisition
Mortgage credit glossary.
Are you going to take out a mortgage to buy your house? Know that throughout the process, you may come across confusing terms. We have prepared a glossary on mortgage credit to help you understand everything.
Personal Consolidated Credit
What does consolidating debts mean?
The sudden loss of income or an increase in interest rates can lead to situations of defaulting on loan payments. Consolidating loans is an option that can provide immediate savings. How does it work?
Housing Credit Acquisition
Pre-approval of mortgage credit: What comes next?
The mortgage credit process goes through several stages, starting with sending documents to the bank. Next, the bank needs to evaluate if the credit holders have the conditions to proceed, and only then is the credit pre-approved. But what comes next?
Housing Credit Acquisition
How to make an early repayment of my home loan?
Paying off your home loan early can be a solution to reduce the monthly installment you pay for this burden. Find out how it works, as well as the advantages and disadvantages.