Optimize credit
Optimizing a loan, whether through amortization, consolidation or even full repayment, is one of the best ways to reduce your monthly financial burden.
Learn how to renegotiate and optimize your loans and achieve financial freedom.
What are the most sought-after types of credit in Portugal?
Real estate loans and consumer loans, in their various forms, are the main types of credit granted to most bank customers in Portugal.
Housing credit
Normally used for the acquisition or construction of permanent, secondary or rental housing, among other possibilities.
Consumer credit
Usually used to buy different goods or services, ranging from cars and household appliances to health or education services, among others.
Renegotiating your mortgage
Paying off your home is one of the most important goals for many people. And, throughout the life of the loan, it is possible to renegotiate its contractual conditions.
20%
Increase in the number of prepayments (partial or full)
17%
Increase in the number of renegotiations of real estate loan agreements
38%
Increase in the renegotiated amount of 39,417 housing credit agreements
Consumer credit growth
Optimizing your consumer credit gives you financial leeway that allows you to invest your money elsewhere, for example in an emergency fund or a retirement plan.
12%
Increase in the number of consumer credit agreements
16%
Increase in the total amount granted to consumers
26%
Personal credit is the area that has experienced the most significant growth
Less credit, more credibility
Credit optimization is essential to reduce payments and meet obligations. Learn how to do it and gain more confidence in your financial independence.
Fraud prevention: The identifiers and access codes to your Internet banking account are strictly personal. Do not disclose them to anyone, even if this individual presents himself as a banking advisor, or any other organization. Keep them safe.