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Transferência de crédito habitação: O que precisa de saber para mudar de banco

Mortgage credit transfer: What you need to know to switch banks.

If you want to transfer your home loan from a bank, here is everything you need to know to make an informed decision.

29 Oct 20241 min

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Transferring the home loan can be an advantageous alternative to reduce the monthly installment and improve the financing conditions. The process involves moving the credit to another financial institution with more advantageous conditions, such as lower interest rates. Although the transfer may have costs, such as commissions and fees, many banks offer promotions to make the transfer free. However, the financing limits may vary according to the policies of the bank to which you transfer and the rules applicable to the initial credit. Understand everything about transferring home credit with these articles.

Related articles:

  1. Is transferring a home loan free? (https://www.poupancanominuto.com/artigos/credito-habitacao/a-transferencia-de-credito-habitacao-e-gratuita)
  2. How does home loan transfer work? (Source: Link)
  3. This couple reduced their monthly house payment by 318 euros. Find out how at https://www.poupancanominuto.com/artigos/credito-habitacao/este-casal-baixou-a-prestacao-mensal-da-casa-em-318-euros-saiba-como
  4. If I transfer my credit, do the financing limits remain the same? https://www.poupancanominuto.com/artigos/credito-habitacao/se-transferir-o-meu-credito-os-limites-de-financiamento-mantem-se
  5. How to start 2025 with an organized portfolio: From transferring credits and insurance to consolidated credit.
  6. Learn how to have more financial freedom by renegotiating, transferring, or consolidating credits. Visit https://www.poupancanominuto.com/artigos/credito-habitacao/saiba-como-ter-mais-liberdade-financeira-renegociando-transferindo-ou-consolidando-creditos

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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.