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Como o IRS afeta a capacidade financeira para pedir crédito?

How does the IRS impact the financial ability to request credit?

The income declared in the IRS influences the approval and conditions of your credit. Learn how to optimize your statement to improve the effort rate, increase financing capacity, and even reduce debts.

28 Mar 20253 min

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How does the IRS affect my financial capacity for financing?

The IRS statement can have a significant impact on your ability to obtain credit, whether to buy a house, acquire a car, or consolidate debts.  

Banks analyze your financial situation based on declared income, expenses, and effort rate.

Declared income and credit approval

Banks use the income declared in the IRS to evaluate your ability to pay.

If you have higher or stable income, your chances of approval increase and you may be able to get better conditions on home, personal, or automobile loans.  

Irregular or underreported income can make it difficult to obtain financing.

Effort rate and impact on approval rate

The effort rate measures the percentage of monthly income devoted to credit payment. Banks recommend this value not exceed 35%.  

If your IRS statement shows a net income lower than what you actually receive (e.g. due to declared expenses), this may negatively affect your effort rate and limit the amount you can obtain in financing.

Read more: Home loan: How to know if I have financial capacity?

Debts and defaults declared on IRS.

If you have tax debts or late payments, it can be a negative factor in the bank's evaluation, as it may indicate a risk of default.  

Before applying for credit, make sure you do not have any tax debts that could harm your risk analysis.

IRS refund and debt reduction.

If you receive a significant IRS refund, you can use it to repay existing credits. This reduces the total amount of debt, improves your effort rate, and can make it easier to approve new financing in the future.

The IRS is a determining factor in your creditworthiness, influencing both approval and financing conditions.

Declare income correctly, maintain a balanced effort rate, and use refunds strategically can help improve your financial position and facilitate access to credit with better conditions.

Want to analyze your financial capacity to request a loan? The credit intermediaries at Poupança no Minuto take care of it for you, as well as the entire process of finding the best financing conditions, and at no cost! Get in touch with us now.

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Eleito Produto do Ano 2025
Poupança no minuto

Financefy S.A. Credit Intermediary registered with Banco de Portugal (Bank of Portugal) as nº 0006860

Financefy - Mediação de Seguros Lda (Insurance Mediation Ltd), registered at ASF as nº 423578365


Poupança no Minuto is a brand owned by Financefy, S.A., a linked credit intermediary registered with the Bank of Portugal under number 0006860. Services authorized to provide: Presentation or proposal of credit agreements to consumers. Assistance to consumers, through the performance of preparatory acts or other pre-contractual management work in relation to credit agreements that have not been presented or proposed by the company. Lenders: Bankinter, S.A. - Branch in Portugal, Caixa Geral De Depósitos, S.A., Banco BPIi S.A., Banco Santander Totta, S.A., Abanca Corporación Bancaria, S.A., Branch in Portugal, Banco Ctt, S.A., Novo Banco, S.A., Cofidis, BNP Paribas Personal Finance, S.A. - Branch in Portugal, Real Estate Credit Union, S.A., Credit Financial Establishment (Sole Proprietorship) - Branch in Portugal, Bni - International Business Bank (Europe), S.A., Banco Bic Português, Sa, Unicre - Credit Financial Institution, S.A.