Vai ser mais difícil comprar casa? Banco de Portugal reduz taxa de esforço para 45%
O limite máximo da taxa de esforço, tecnicamente conhecido como DSTI (Debt Service-to-Income), foi reduzido de 50% para 45%. Na prática, as regras para aceder ao crédito habitação estão mais apertadas e a capacidade de endividamento das famílias fica mais limitada.
5 min
IMT and Stamp Duty: Understand the two taxes associated with buying a house.
Understand everything about the two taxes to be paid when buying a house.
5 min
Most read this month
What are the deadlines for reporting a lease?
3 min
To pay or receive IRS? This simulator already allows to obtain an answer.
5 min
What tolls are we going to stop paying?
2 min
Want to save on credits and insurance?
Subscribe to our newsletter and never miss any content. Learn how to have a healthier financial life.
IRS: Will the refund be faster this year?
2 min
Guide to 100% financing for youth.
4 min
Want to save on credits and insurance?
Subscribe to our newsletter and never miss any content. Learn how to have a healthier financial life.
Videos
| Learn more about the financial world on our YouTube channel Learn more about the financial world on our YouTube channel
Latest
Credit card in summer: how to use without creating debts
Vacations bring more expenses with travel and leisure. Credit card can be very convenient, but turns vacations into a nightmare if used with...
24 jun 2026 • 2 min
Cheap or free summer activities to enjoy the good weather.
Summer doesn't have to be synonymous with excessive spending on trips or expensive activities. There are plenty of cheap or free options in...
23 jun 2026 • 3 min
The cheapest regions in Portugal for renting and buying a house.
The Portuguese real estate market continues to show significant differences between coastal and inland areas, both in terms of renting and b...
22 jun 2026 • 4 min
Plan the entrance of the house: how much do you really need to save?
Many know they need a down payment to buy a house, but few realize how much they should have available before looking for a property. The an...
19 jun 2026 • 3 min
Housing credit
Plan the entrance of the house: how much do you really need to save?
Many know they need a down payment to buy a house, but few realize how much they should have available before...
3 min
Default on mortgage: Consequences and solutions.
Learn what happens if you default on your home loan, and how to resolve it.
4 min
Personal credit
Credit card in summer: how to use without creating debts
Vacations bring more expenses with travel and leisure. Credit card can be very convenient, but turns vacations...
2 min
Personal credit: Know everything to make the right choice.
Discover everything you should consider when hiring a personal loan.
2 min
Insurance
Seguro do Condomínio vs Seguro Multirriscos: Sabe a diferença?
O seguro do condomínio e o seguro multirriscos do proprietário geram muitas dúvidas e, na maioria das vezes, s...
3 min
Mortgage credit: Do I have to accept the life insurance that the bank imposes on me?
If you are applying for a home loan and came across the requirement to take out life insurance, know that this...
3 min
Personal Credit
Credit card in summer: how to use without creating debts
Vacations bring more expenses with travel and leisure. Credit card can be very convenient, but turns vacations...
Savings
Cheap or free summer activities to enjoy the good weather.
Summer doesn't have to be synonymous with excessive spending on trips or expensive activities. There are plent...
Real estate
The cheapest regions in Portugal for renting and buying a house.
The Portuguese real estate market continues to show significant differences between coastal and inland areas,...
Mortgage Credit
Plan the entrance of the house: how much do you really need to save?
Many know they need a down payment to buy a house, but few realize how much they should have available before...
Savings
Guide for parents: The costs of university
National exams are tough for students, but also for families' budgets. Between study materials, tutoring, and...
Mortgage Credit
Default on mortgage: Consequences and solutions.
Learn what happens if you default on your home loan, and how to resolve it.
Savings
The sales have started! Tips for conscious shopping.
Learn these tips so you don't get "lost" in shopping during this sales season.
Personal Credit
Personal credit: Know everything to make the right choice.
Discover everything you should consider when hiring a personal loan.
Mortgage Credit
Mortgage credit: Fixed, mixed, or variable interest rate?
The interest rate you choose for your home loan has a direct impact on the amount you will pay for the monthly...
Mortgage Credit
Guide to 100% financing for youth.
100% financing for young people has generated great interest among those who want to buy a house without savin...
Savings
Summer festivals: How much does it really cost to attend a festival?
Festivals are the biggest temptation of summer. But tickets, transportation, food and drink can turn a weekend...
Savings
What changes with Salary Transparency?
Salary transparency is gaining ground in the job market. For workers, this means less inequality and more powe...
Real estate
Hidden costs when buying a house: Expenses many forget.
Many people calculate the down payment and installment, but forget essential expenses before the deed. These h...
Savings
FIFA World Cup: How to enjoy games without doubling expenses.
The World Cup usually brings more gatherings and expenses. Between dinners, snacks, and extra subscriptions, t...
Real estate
New service: Immediate issuance of property certificate online.
Having quick access to information about a property can make a difference before buying it. That is why the pe...
Talk to an agent now
Want to know more? Talk to one of our agents to clarify any doubts and discover the perfect solution for you.
Call to national landline | Monday to Friday, 9am to 7pm.