Housing Credit Acquisition

Housing credit glossary

Are you going to apply for a mortgage to buy your home? Know that, throughout the process, you may come across expressions that can be confusing. We have prepared a glossary about mortgage credit to help you know everything.

Reading time: 10 mins.
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?

Reading time: 7 mins.
Housing Credit Acquisition

Is it possible to get 100% financing for a mortgage?

Is it possible to buy a house being 100% financed by the bank? Currently, there are limits to the value banks can lend. However, there is an exception. We explain which in this article.

Reading time: 4 mins.
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?

Reading time: 9 mins.
Mortgage Credit Transfer

How does the housing credit transfer work?

Are you dissatisfied with your current home loan? Tried to renegotiate the contract terms without success? Understand how home loan transfer works in this article.

Reading time: 6 mins.

Highlights

100% financing in housing credit available for young people can now be requested.

Young people can now apply to access 100% financing when buying a home with a mortgage, through the new public guarantee measure.

Housing Credit Acquisition

Young housing loan 100% financed: How to sign the CPCV?

The benefit of the public guarantee put in place by the State for young people up to 35 years old allows for 100% financing of the house without having to finance any down payment. But what happens to the deposit that has to be paid in the CPCV, before the deed? Learn about the options next.

Housing Credit Acquisition

Young house buyers: Besides tax exemption, they may have 100% financed credit.

Young people up to 35 years old can benefit from exemption of IMT and Stamp Duty when buying their first house, exemption of property registration costs, and public guarantee that allows 100% financed mortgage credit.

Taxes

Tax exemption for young people when buying a house with new limits in 2025.

Understand the limits of this benefit, updated in 2025.

Latest

Crédito Habitação Aquisição

Compra de casa jovens: Além da isenção dos impostos, podem ter crédito 100% financiado

Jovens até 35 anos podem beneficiar da isenção de IMT e Imposto do Selo na compra da primeira casa, isenção dos custos associados ao registo do imóvel e garantia pública que permite crédito habitação 100% financiado.

Crédito Habitação Aquisição

Prestações da casa podem descer mais de 100€ em abril

As prestações de crédito habitação vão descer em todos os prazos da Euribor no mês de abril.

Crédito Habitação Aquisição

Comprar casa: 26 mil jovens já beneficiaram da isenção dos impostos

O benefício fiscal da isenção dos impostos na compra de casa já chegou a 26 mil jovens. Valor médio das casas ronda os 189 mil euros.

Crédito Habitação Aquisição

Financiamento jovem a 100% passa a poder ser concedido por sociedades financeiras autorizadas

As sociedades financeiras autorizadas vão poder passar a conceder agora o financiamento a 100% para jovens até 35 anos com a medida da garantia pública.