Housing Loans

Those who want to buy a house, and do not have the necessary capital to finance the acquisition, usually resort to a bank / financial institution to contract a home loan, partially or almost in full.

You can follow here all the information and news associated with this type of credit and you already know, the difference between being well or poorly informed can represent a lot of money, in a loan whose repayment period can go up to 40 years.

Having been approved on January 8, 2024, the "Licensing Simplex" within the More Housing Package, no longer requires the presentation of the Habitation License and Technical Dossier of the property, or proof of their existence, at the time of the deed of sale and purchase of a house, with retroactive effects from January 1, 2024.

But what is the purpose of these documents... View more
Index What are, nowadays, and very briefly, the main difficulties for those who want to buy or rent a house? What is the root of the problem in Portugal? For a young person who wants to buy their first home, what barriers are there? Are there any incentives missing? Which? And what future challenges does the new generation face?... View more
Introduction to the Real Estate Market in Portugal

Portugal is a destination appreciated by foreigners, thanks to its mild climate, feeling of security, good schools, quality services and infrastructure, for having receptive and hospitable people, where command of the English language is great, magnificent landscapes and a rich culture . These reasons are amplified by an attractive real...

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The Portuguese real estate market has faced significant challenges due to variations in interest rates. In June, interest represented more than half of the mortgage loan payment, directly affecting owners and potential buyers.

The Situation in Portugal

In June, the interest rate implicit in home loan contracts reached 3.649%, the highest value since April 2009. This increase resulted in...

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Let's be clear, without housing credit it would not be possible for many Portuguese people to enjoy a basic right: to have a roof and adequate living conditions. The ECB has just announced measures that will increase the cost of this credit. And warned that more increases are coming!

After a 0.5% rise in July, a 0.75% rise in the ECB's key rates follows. The...

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Numbers and Statistics

When looking at the statistical evolution of the various indicators that make up the real estate scenario, it is easy to see that, if there are no extraordinary events with a strong impact on the economy, this evolution will tend to follow a curve whose trend is predictable. At least, this is what mathematical theories teach us.

On the other hand, the...

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These figures follow the 33% growth observed in 2015, having reached a total volume of 130 million euros in real estate transactions that year.

These results confirm that leasing is a financing solution, which, due to its advantages and flexibility in terms of contractual conditions, is increasingly a solution to the liking of companies and private customers.

Real Estate Leasing...

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