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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.

To transfer your mortgage credit from a bank, here is everything you need to know to make an informed decision.

29 Oct 20241 min

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Transferring home credit can be an advantageous alternative to reduce the monthly installment and improve financing conditions. The process involves changing the credit to another financial institution with more favorable 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 of charge? Translated to English: "Is transferring a home loan free of charge?"
  2. How does the transfer of a home loan work? Link
  3. This couple lowered their monthly home payment by 318 euros. Find out how. [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? (source: link)
  5. How to start 2025 with an organized portfolio: From transferring credits and insurances to consolidated credit. Link
  6. Learn how to have more financial freedom by renegotiating, transferring, or consolidating credits.

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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 tied credit intermediary registered with Banco de Portugal under no. 0006860. Authorized services: presentation or proposal of credit contracts to consumers. Assistance to consumers, through preparatory acts or other pre-contractual management work relating to credit contracts that were not presented or proposed by it. Lenders: Bankinter, S.A. - Branch in Portugal, Caixa Geral de Depósitos, S.A., Banco BPI, 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, Unión de Créditos Inmobiliarios, S.A., Establecimiento Financiero de Crédito (Sociedad Unipersonal) - Branch in Portugal, BNI - Banco de Negócios Internacional (Europa), S.A., Banco BIC Português, S.A., Unicre - Instituição Financeira de Crédito, S.A.