GUIDES
Clear explanations of mortgages, rates and the process, without the jargon.
35 guides
Many buyers in Portugal only start on the mortgage after choosing a property and signing the promissory contract. But the bank looks at the…
The effort rate is the share of your monthly income that goes to loan repayments. In plain English, it is your affordability ratio. Banco…
There is no official figure. An emergency fund is savings for the unexpected, such as job loss, illness or a sudden bill. A practical way…
Draw up your budget at the start of each month, in four steps: certain income, costs, balance and savings. Count only the net income you…
A mortgage broker is a person or company authorised by Banco de Portugal. In Portuguese law, it is a credit intermediary. It presents loan…
FINOVA is paid by the bank you choose, after you sign the loan contract. As a tied credit intermediary, FINOVA cannot take money from…
Yes. We take your case to several banks and show you the offers side by side. The choice is always yours. Compare them for the same amount…
A home loan needs documents and follows legal deadlines, but it need not be complicated. On your side: gather the documents, answer…
FINOVA is a credit intermediary registered with Banco de Portugal and must keep your information confidential. It uses your data for your…
At your bank, you get one offer. With FINOVA, the same application reaches several banks, and you compare the offers by APR and MTIC. Your…
FINOVA's mortgage affordability calculator works in two steps. First, your numbers: income, other loans, the price of the home and your…