Are you selling your property and have been asked to request the mortgage discharge from the bank? This document is essential for the deed, to release the bank from the debt associated with your property. Let's better understand what this document is and how you can obtain it.
Are you in the process of buying a house and the deed is approaching? Understand what this moment represents, what you have to pay, and which documents you need to take with you so that everything goes smoothly on the contract signing.
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?
Is it possible to start dealing with home loan before choosing the property? The answer is yes! Find out how, right away.
The process can take 4 to 12 weeks. Learn what influences the deadline and how to avoid delays.
Getting a mortgage can be a headache when it comes to opening your wallet. Therefore, it is essential to be informed in advance about the amounts you will need to have available. Know the costs of getting a mortgage.
The spread is one of the interest rates for mortgage loans and measures the level of risk a client poses to banking institutions. Its value depends on the guarantees provided by clients. Let's see how the spread is calculated, how to lower its value, and the impact of lowering it or not.
Are you looking to buy a house, but unsure about the right moment to proceed? Let's see, month by month, the best times to acquire a property.
To move forward with a loan application for your new home, you must go through previous phases: you need to know beforehand if you have the ability to pay a credit installment every month. Find out in this article how this pre-process works.
Need to hire a housing loan and have a disability equal to or greater than 60%? Know that you are entitled to special conditions, with a subsidized interest rate. Learn about the housing loan for people with disabilities in this article.
The process of buying a house with a housing loan is costly, but know that you don't need to spend all your savings. The more informed you are, the less risks you run of losing money in this process. That's why many Portuguese people turn to a credit intermediary to guide them through the contracting process. Find out how credit intermediation can help you in this article.
Can I get a home loan with multiple holders? And what if it's with a friend? These are pertinent questions that arise when buying a house. Therefore, let's see how it works legally.
The appraisal value of a property is a determining factor in the equity you will need to have available when applying for a mortgage. Did you know that? Let's understand why.
Not complying with the repayment obligations of a loan such as a housing credit implies having consequences, such as interest and fees. One of them being late interest, which adds to the outstanding amount. Let's see how much this amount can be.
Has Euribor been your worst nightmare? If you have a housing loan with a variable rate, this rate has been the reason your monthly installment has increased. We will explain why, below.