Pleased to meet you, we are your Poupança no Minuto.

Is consolidated credit registered in Banco de Portugal?

Consolidate multiple credits into one operation does not mean erase the credit history. Know what information...

Housing loan approved: what costs will you still have?

Have housing credit approved is an important step, but there are other costs to consider before buying a house...

What happens to life insurance when I pay off the housing loan?

Poupança no Minuto can change the debt capital and, depending on the contract, affect the associated life insu...

How much does a life insurance for housing loan cost?

Life insurance is required in many housing loan contracts and its cost varies according to different factors....

Young Housing Loan: Still have time to take advantage?

Still can benefit from the Young Housing Loan in 2026. Learn how the Public Guarantee works, who can benefit,...

Do you want to apply for a housing loan? Find out how the new rules can affect approval.

The rules governing housing credit define important references for the effort rate and loan term. Find out wha...

Is your spread high? Find out how much more you might be paying

The spread of your housing loan may be above current available conditions. Learn how to assess your spread and...

Can consolidated credit be denied? Find out why

Consolidation of credits is not guaranteed and depends on financial institutions' analysis. Learn the main fac...

Effort rate of 45%: how much can you ask to buy a house?

The effort rate is one of the main indicators used by banks when analyzing a housing loan application. Since A...

Can I have two personal loans at the same time?

Having more than one personal loan is not, in itself, forbidden. However, each new application is assessed con...

Bank home evaluation: how it works and why it can be decisive for credit?

The property evaluation is an important step in housing credit. Learn what it is for and what can happen if th...

Consolidated credit: what happens if one credit has a much lower rate?

Consolidate credits can simplify payment of installments and, in some cases, reduce the monthly amount. But wh...

New housing credit rules: what changes in financing approval?

Know what has changed and what to consider before proceeding with a housing loan.

Money at the Table with Joana Barrios x Poupança no Minuto: How to build a prosperous financial future.

When we talk about financial freedom, we are not just talking about managing money better today. We are also t...

Can I consolidate credits without changing bank?

Consolidating credits can help simplify financial management and reduce monthly payments. But will you need to...