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Renegociação de crédito habitação: Como melhorar as condições do seu empréstimo

Renegotiation of housing credit: How to improve the conditions of your loan

Notice how you can renegotiate the conditions of your housing loan to improve them.

29 Oct 2024 • 1 min

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Renegotiating a home loan can be an effective strategy to improve loan conditions. It is possible to try to reduce the spread by negotiating with the bank, especially if market conditions are favorable. Another option is to fix the interest rate, ensuring greater stability in payments. In 2023, housing loan renegotiations increased five times, reflecting the growing interest in adjusting contracts to ease financial burdens and take advantage of better conditions. Find out everything about renegotiating a home loan, in the articles.

Related articles:

  1. How to lower the spread of my home loan? Note: The provided text is already in Portuguese and does not need to be translated into English.
  2. Can I ask for renegotiation of my housing credit? (https://www.poupancanominuto.com/artigos/credito-habitacao/posso-pedir-renegociacao-do-meu-credito-habitacao)
  3. Can I fix the interest rate of my home loan?
  4. Renegotiations in home loans increase 5 times more in 2023.

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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.