Housing Credit Acquisition
Mortgage credit: Interest rate decreases for the 7th consecutive month.
Implicit interest rate on mortgage loans decreased for the 7th consecutive month in August, to 4.417%. Read the numbers below.
Related to: "Home loan interest rate drops for the 14th consecutive month to 3.735%."
Housing Credit Acquisition
Mortgage credit: Interest rate dropped for the 8th consecutive month.
In September, the implicit interest rate on housing loans fell for the 8th consecutive time, reaching 4.362%. Although still higher than the same period last year, according to the National Institute of Statistics (INE).
Housing Credit Acquisition
Interest rate on housing loans drops to 4.277% for the 9th month in October.
The implicit interest rate on housing credit continued to fall in October, marking the 9th consecutive month of decline, reaching 4.277%.
Housing Credit Acquisition
Interest rate on housing loans drops for the 10th month in November to 4.186%.
The implicit interest rate on home loans fell by 9.1 basis points in November, settling at 4.186%, down from 4.524% in November 2023.
Housing Credit Acquisition
Mortgage credit: Interest rate decreases again in December.
The mortgage interest rate fell to 4.091% in December, showing a decrease from the previous month, but still above the value of the same period in 2023, according to INE data.
Housing Credit Acquisition
Mortgage credit: Implicit interest rate decreases again in January.
Reduction in rates reflects in lower monthly installments for newer contracts.
Housing Credit Acquisition
The home loan interest rate dropped to 3.830% in February.
The interest rate on housing loans fell to 3.830% in February, 15.4 basis points lower than in January. However, in more recent contracts signed in the last three months, the rate increased to 3.200%.
Mortgage Credit Transfer
Centeno assumes conditions for interest rate cuts.
Mário Centeno considers conditions to be met and the next ECB meeting will be on April 11, but the president only hints at interest rate cuts in the summer.
Mortgage Credit Transfer
European Central Bank cuts interest rates for the first time since 2016.
The European Central Bank (ECB) has decided to lower interest rates for the first time since 2016 following the tightening cycle of monetary policy started in 2022, easing loans for families. Check out the numbers.
Mortgage Credit Transfer
Credit for housing with Euribor: Installments decrease in July.
Do you have a mortgage linked to Euribor, with three, six or 12 months? Your monthly installment will decrease in July. Check the simulations below.
Present
BCE returns to cut interest rates, still not very confident.
Despite reservations from some members of the European Central Bank (ECB), another interest rate cut was advanced in the month of June.
Present
BCE reduces interest rates by 0.25 percentage points.
The European Central Bank has once again lowered interest rates by another 0.25 percentage points, with inflation decreasing.
Housing Credit Acquisition
Mortgage credit: Average interest rate for new operations decreases to 3.47%
Average interest rate of new housing credit operations decreased for the 11th consecutive month.
Housing Credit Acquisition
FINE: Learn how to analyze a credit proposal.
When buying a house with a housing credit, 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 form called FINE, know its purpose and how to analyze it.
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?