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"Poupança no Minuto" Consolidated Credit Guide: How to consolidate debts and lower the installment?
Having several credits simultaneously - such as a car loan, credit cards, and a personal loan - is one of the main reasons for financial imbalance in families. When the various installments accumulate, monthly liquidity disappears, and the effort rate reaches unsustainable levels. Discover how Poupança no Minuto can help you manage your finances more effectively: [URL].
4 min
Buying a house: A complete guide on the process.
Read all steps and concepts about the home buying process.
2 min
Guide to 100% financing for youth.
100% financing for young people has generated great interest among those who want to buy a house without savings. But who can access it and under what conditions?
4 min
"Poupança no Minuto: Complete guide to financing your home renovation in 2026."
Carrying out home renovations is always a challenge: with budgets skyrocketing, deadlines being delayed, and municipal licenses, the dream of remodeling can quickly turn into a financial nightmare. In 2026, with construction costs still high, knowing how to finance renovations intelligently is essential. Check out Poupança no Minuto for tips.
7 min
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.
4 min
Most read this month
Money at the Table with Joana Barrios x Poupança no Minuto: How to build a prosperous financial future.
12 Oct 2026 • 3 min
Can I consolidate debts while being at Banco de Portugal?
07 Oct 2026 • 9 min
Can I consolidate credits without changing bank?
08 Oct 2026 • 8 min
Want to save on credits and insurance?
Subscribe to our newsletter and never miss any content. Learn how to have a healthier financial life.
New housing credit rules: what changes in financing approval?
14 Oct 2026 • 8 min
Consolidated credit: what happens if one credit has a much lower rate?
15 Oct 2026 • 6 min
Want to save on credits and insurance?
Subscribe to our newsletter and never miss any content. Learn how to have a healthier financial life.
Videos
| Learn more about the financial world on our YouTube channelLatest
Home loan: when is it worth renegotiating with the bank and when to switch banks?
Know when it's worth renegotiating your housing loan or transferring it to another bank and which costs to compare before deciding.
06 nov 2026 • 3 min
Consumer credit vs. personal loan: what's the difference?
When looking for financing for an expense, you may find references to consumer credit and personal credit. Although the terms are related, t...
05 nov 2026 • 7 min
After consolidating credits, can I apply for a new credit?
Consolidating credits does not mean being prevented from requesting new financing. However, there are some factors the bank will consider in...
04 nov 2026 • 7 min
Construction loan: does the bank finance the land and construction?
Know if you can finance the land and house construction with housing credit, how the money is released, and what costs to expect.
03 nov 2026 • 7 min
Housing credit
Home loan: when is it worth renegotiating with the bank and when to switch banks?
Know when it's worth renegotiating your housing loan or transferring it to another bank and which costs to com...
3 min
Construction loan: does the bank finance the land and construction?
Know if you can finance the land and house construction with housing credit, how the money is released, and wh...
7 min
Personal credit
Consumer credit vs. personal loan: what's the difference?
When looking for financing for an expense, you may find references to consumer credit and personal credit. Alt...
7 min
After consolidating credits, can I apply for a new credit?
Consolidating credits does not mean being prevented from requesting new financing. However, there are some fac...
7 min
Insurance
What happens to life insurance when I pay off the housing loan?
Poupança no Minuto can change the debt capital and, depending on the contract, affect the associated life insu...
4 min
How much does a life insurance for housing loan cost?
Life insurance is required in many housing loan contracts and its cost varies according to different factors....
4 min
Mortgage Credit
Home loan: when is it worth renegotiating with the bank and when to switch banks?
Know when it's worth renegotiating your housing loan or transferring it to another bank and which costs to com...
Personal Credit
Consumer credit vs. personal loan: what's the difference?
When looking for financing for an expense, you may find references to consumer credit and personal credit. Alt...
Personal Credit
After consolidating credits, can I apply for a new credit?
Consolidating credits does not mean being prevented from requesting new financing. However, there are some fac...
Mortgage Credit
Construction loan: does the bank finance the land and construction?
Know if you can finance the land and house construction with housing credit, how the money is released, and wh...
Mortgage Credit
Euribor may rise again. How to protect your home payment?
The rise in Euribor may result in a higher payment for those with a variable-rate home loan. Understand if it...
Personal Credit
Is consolidated credit registered in Banco de Portugal?
Consolidate multiple credits into one operation does not mean erase the credit history. Know what information...
Mortgage Credit
Housing loan approved: what costs will you still have?
Have housing credit approved is an important step, but there are other costs to consider before buying a house...
Insurance
What happens to life insurance when I pay off the housing loan?
Poupança no Minuto can change the debt capital and, depending on the contract, affect the associated life insu...
Insurance
How much does a life insurance for housing loan cost?
Life insurance is required in many housing loan contracts and its cost varies according to different factors....
Mortgage Credit
Young Housing Loan: Still have time to take advantage?
Still can benefit from the Young Housing Loan in 2026. Learn how the Public Guarantee works, who can benefit,...
Mortgage Credit
Do you want to apply for a housing loan? Find out how the new rules can affect approval.
The rules governing housing credit define important references for the effort rate and loan term. Find out wha...
Mortgage Credit
Is your spread high? Find out how much more you might be paying
The spread of your housing loan may be above current available conditions. Learn how to assess your spread and...
Personal Credit
Can consolidated credit be denied? Find out why
Consolidation of credits is not guaranteed and depends on financial institutions' analysis. Learn the main fac...
Mortgage Credit
Effort rate of 45%: how much can you ask to buy a house?
The effort rate is one of the main indicators used by banks when analyzing a housing loan application. Since A...
Personal Credit
Can I have two personal loans at the same time?
Having more than one personal loan is not, in itself, forbidden. However, each new application is assessed con...
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