Only workers with fast-paced professions, disabled individuals, or subscribers of Retirement Savings Plans (PPR) can include life insurance expenses in their IRS declaration. Understand the requirements and limits for these cases.
The exceptional measure by the Government, which allows for the withdrawal of funds from your retirement savings plan (PPR) to increase your savings or invest in another project/product without penalties, has been extended until the end of 2024.
The regime that allowed the refund of a retirement savings plan without penalties has been extended with some conditions until the end of 2024.
Do you want to redeem your retirement or education savings plan (PPR and PPR/E)? Find out if you are covered by the exceptional refund scheme in force.
The Council of Ministers has approved a measure that allows individual pan-European retirement products to now access the same tax benefit as PPRs and Retirement Certificates. Do you invest in these saving products? Understand better below.
In 2025, early redemption of Retirement Savings Plans (PPR) to pay for housing credit will once again imply penalties, as the suspension of the penalty was not extended.
Being a guarantor for a mortgage loan can be a generous act, helping a family member or friend. However, it may not be so generous for your own wallet. This act can have complicated consequences for the guarantor. Let's see what they are, and how you can get out of the loan.
Already have a mortgage and want to buy another house? It is possible, but the process requires extra care.
Having a vacation home can be more affordable than you think. Find out the steps and precautions to take to make this wish come true.
Do you need to renegotiate your home loan because you can't afford high monthly installments right now? Forbearance and capital deferment may be the ideal solutions for you. Learn about the two processes in this article.
Your credit or credit transfer was rejected by the bank due to the exceeded DSTI ratio with stress? This ratio can lead to non-approval of financing, if it exceeds 50%. But, after all, what does it represent in credit and how can you work around it?
Looking to hire a home loan? We have good news for you: The Bank of Portugal (BdP) has eased one of the requirements imposed on clients, making it easier to access this type of financing. Understand what changes in the stress test required by banks in this article.
The stress test applied by banks to clients' incomes applying for mortgage credit has been minimized, so that more Portuguese people can have their credit proposals approved. The measure imposed by the Bank of Portugal is now in force. Understand how it will work if you want to apply for a mortgage credit next year.
One of the most common questions that arises after taking out a loan is whether you can take out another for a different project. For example, a house and a car are usually among the most important projects, and many need financing to acquire both. But how can you know if you have the financial capacity for both?
When buying a house with a housing credit, you may come across some terms that may seem confusing at first. If you have already started the process and the bank has given you a form called FINE, know its purpose and how to analyze it.