Related to: "Mortgage credit financed at 100% and tax-exempt until age 35: Understand the measures."

Quarto com cama e quadros pendurados na parede simbolizando habitação para jovens
Housing Credit Acquisition

Are you young and looking for a house? The three government measures for housing.

If you are young and looking for a house to buy or rent, the Government has created a program "Build Portugal" that will facilitate access to housing for young people. Learn about the measures involved.

20 May 20242 min

Chaves douradas sob fundo laranja simbolizando habitação
Housing Credit Acquisition

Are you young? Check out these nine housing measures from the Government.

With its program "Building Portugal: New Housing Strategy", the Government aims to keep young people in the country by ensuring access to housing. Learn about these nine planned measures.

27 May 20242 min

Nota euros simbolizando compra de casa por jovens garantia governo
Housing Credit Acquisition

Purchase of house by young people: Government will guarantee up to 15% of acquisition value.

The new measure is aimed at young people up to 35 years old and will ensure 15% of the purchase value of the house, up to 450,000 euros. Understand it better and find out when it takes effect.

23 May 20242 min

Garantia pública para aquisição de casa por jovens extingue-se assim que pagos os 15%
Housing Credit Acquisition

Public guarantee for the purchase of a home by young people expires after paying the 15% percent.

The details of the new public guarantee measure for up to 15% of the housing loan value for young people up to 35 years old are still being clarified by the Government. Understand how it will work in case of default.

29 May 20242 min

Jovens com isenção de IMT e IS sem limite no rendimento, mas sim no valor da casa
Housing Credit Acquisition

Young people with exemption from IMT and IS without income limit, but with a limit on the value of the house.

Young people up to 35 years old will be exempt from taxes when buying their first house regardless of their income, but with limits on the property values. Find out how the measure will work next.

23 May 20242 min

Isenção de IMT e IS em vigor a 1 de agosto: Jovens a adiar escrituras das casas para beneficiar
Housing Credit Acquisition

IMT and IS exemption in effect as from August 1st: Young people postponing house deeds to benefit.

The measure will come into effect on the first day of next month, so young people up to 35 years old in the process of buying a house are postponing the signing of deeds in order to still be able to access the tax benefit. Understand if it is possible legally and how to access the measure.

15 Jul 20244 min

Isenção de impostos na compra de casa para jovens produz efeitos a 1 de agosto
Housing Credit Acquisition

Tax exemption on home purchase for young people goes into effect on August 1.

The decree-law on the measure regarding tax exemption on home purchases for young people between 18 and 35 years old has already been published and is set to take effect on August 1st. Let's recall the conditions of the measure.

29 Jul 20242 min

Já estão em vigor as medidas de apoio aos jovens na habitação. Esclareça as dúvidas
Housing Credit Acquisition

Support measures for young people in housing are now in place. Clarify any doubts.

The new support measures for young people up to 35 years old to buy a house came into effect on August 1st. Therefore, find out the answers to the most frequently asked questions.

05 Aug 20244 min

Financiamento a 100% no crédito habitação: É possível?
Housing Credit Acquisition

100% financing in mortgage credit: Is it possible?

Is it possible to buy a house with 100% financing from the bank? Currently, there are limits on the amount banks can lend. But there is an exception. We explain it in this article.

11 Aug 20234 min

Casal jovem sentado em sofá com computador à frente e a sorrir simbolizando compra de casa por jovens com financiamento a 100% e isenções fiscais
Housing Credit Acquisition

100% home financing and tax exemptions for young people in force this month.

Are you young and want to buy a house? Starting this month, you won't need to give a down payment to the bank or pay taxes. Understand now.

17 May 20242 min

Compra de casa: Garantia pública tem de entrar em vigor, no máximo, até setembro
Housing Credit Acquisition

Buying a house: Public guarantee must come into force by September at the latest.

The measure that will allow young people to access 100% financing (public state guarantee) when buying a house has now been published in the Diário da República, so it must come into force in the next 60 days, that is, by September 10 at the latest. Understand more next.

11 Jul 20242 min

Financiamento a 100% no crédito habitação para jovens já pode ser pedido
Housing Credit Acquisition

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

Young people can already apply for 100% financing to purchase a home with a mortgage, through the new public guarantee measure.

30 Sep 20242 min

Duas pessoas sentadas numa mesa de madeira, na mesa estão alguns papéis um computador portátil. A imagem visa representar a análise de uma proposta de crédito
Housing Credit Acquisition

FINE: Know how to analyze a credit proposal

When buying a house with a housing loan, you may come across some terms that may seem confusing at first. If you have already started the process and the bank has given you a document called FINE, know its purpose and how to analyze it.

11 Aug 20234 min

Pessoa a calcular a taxa de esforço
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?

11 Aug 20239 min

Crédito habitação: O que difere a TAN da TAEG?
Housing Credit Acquisition

Mortgage credit: What is the difference between APR and APRC?

When buying a house through a bank loan, you may come across a language associated with mortgage credit that is somewhat complex. Such as the abbreviations related to interest rates, TMR and APR. So, what do they mean and represent?

11 Aug 20234 min