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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

Posso fixar a taxa do meu crédito habitação?
Housing Credit Acquisition

Can I fix the rate on my home credit?

Are you considering options to lower your monthly mortgage payment? Fixing the interest rate may be a solution. Let's see in this article what it means to fix the mortgage rate, how to do it, and what the impact is.

11 Aug 20234 min

What does it mean to consolidate credits?
Personal Consolidated Credit

What does it mean to consolidate credits?

The sudden loss of income or the increase in interest rates can lead to situations of default in the payment of credit installments. An option capable of providing immediate savings is credit consolidation. How does it work?

11 Aug 20234 min

Qual é a diferença entre seguro de vida e seguro de saúde?
Life Insurance

What is the difference between life insurance and health insurance?

There are many doubts that arise when it comes to the difference between life insurance and health insurance. But the reality is that the two insurances can be distinguished by the coverage options. Therefore, we explain in this article what sets one insurance apart from the other.

11 Aug 20234 min

Mesa castanha onde estão duas pessoas sentadas. Na mesa estão algumas folhas, uma pequena casa de madeira e uma das pessoas segura uma calculadora. A imagem visa representar intermediários de crédito habitação
Credit intermediation

Housing credit intermediaries - What are they and why use these services?

If you are thinking of buying a house or getting credit to achieve another personal goal such as buying a car or a trip, you have certainly come across the term "credit intermediaries". But what are credit intermediaries? What do they do?

11 Aug 20237 min

Poupança no Minuto: A aliada perfeita na intermediação de créditos e seguros
Credit intermediation

Savings in a Minute: The perfect ally in credit and insurance intermediation.

It's true: Savings in a Minute now has a blog! The credit intermediary and insurance mediator now complements its services with reliable information. But who is Savings, what sets it apart from other brands, what it believes in, and what it offers? That's what we will talk about in this article.

11 Aug 20234 min

Mortgage Credit: Fixed, mixed or variable interest rate?
Housing Credit Acquisition

Mortgage Credit: Fixed, mixed or variable interest rate?

The interest rate you choose for your mortgage directly impacts the amount you will pay monthly. You can choose between a fixed, variable, or mixed rate. But what does each concept mean, how does it work, and how does it impact the credit?

11 Aug 20237 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

Uma mão a segurar chaves com um porta-chaves com uma casa que visa representar o ato de comprar casa
House Purchase

What should you do before buying a home?

Want to buy a property and don't know the steps to move forward with the process? We explain, in this article, three phases you should follow before buying a house, and how credit intermediaries can help.

11 Aug 20233 min

Um casal sentado numa mesa em frente ao computador. A imagem visa representar a procura de casa
House Purchase

House hunting: Where to start?

Are you planning to buy a new house and have already gone to the bank to assess your financial capacity to move forward? If so, and you now have a pre-approved home loan, find out how to proceed in finding the right property in this article.

11 Aug 20236 min

Glossário do crédito habitação
Housing Credit Acquisition

Mortgage glossary - https://www.example.com/credit-habitation-glossary.

Are you going to apply for a mortgage to buy your home? Know that, throughout the process, you may come across expressions that can be confusing. We have prepared a glossary about mortgage credit to help you know everything.

11 Aug 202310 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

Mortgage life insurance: How does it work?
Life Insurance Credit

Mortgage life insurance: How does it work?

When applying for a home loan, you will also be required to subscribe to a life insurance policy. But why is it necessary to associate this insurance with the loan and how does this product work?

11 Aug 20233 min

Is the housing credit transfer free?
Mortgage Credit Transfer

Is the housing credit transfer free?

With the rise in interest rates, the difficulty in paying the monthly installments of the home loan is greater. Therefore, it is important to look for savings solutions in credit, such as transferring it. Find out how this process works, and if it has costs.

11 Aug 20234 min

Can I take out a personal loan to pay off another loan?
Personal Credit Emergencies

Can I take out a personal loan to pay off another loan?

Depending on the type of credit to be settled, it is possible to hire a personal loan to do so. However, there are some factors to consider so that the personal loan is approved. We explain everything in this article.

11 Aug 20233 min