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Renegociação de crédito habitação: Como melhorar as condições do seu empréstimo

Renegotiation of housing credit: How to improve the conditions of your loan

Notice how you can renegotiate the conditions of your housing loan to improve them.

29 Oct 2024 • 1 min

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Renegotiating a home loan can be an effective strategy to improve loan conditions. It is possible to try to reduce the spread by negotiating with the bank, especially if market conditions are favorable. Another option is to fix the interest rate, ensuring greater stability in payments. In 2023, housing loan renegotiations increased five times, reflecting the growing interest in adjusting contracts to ease financial burdens and take advantage of better conditions. Find out everything about renegotiating a home loan, in the articles.

Related articles:

  1. How to lower the spread of my home loan? Note: The provided text is already in Portuguese and does not need to be translated into English.
  2. Can I ask for renegotiation of my housing credit? (https://www.poupancanominuto.com/artigos/credito-habitacao/posso-pedir-renegociacao-do-meu-credito-habitacao)
  3. Can I fix the interest rate of my home loan?
  4. Renegotiations in home loans increase 5 times more in 2023.

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Eleito Produto do Ano 2025
Poupança no minuto

Financefy S.A. Credit Intermediary registered with Banco de Portugal (Bank of Portugal) as nº 0006860

Financefy - Mediação de Seguros Lda (Insurance Mediation Ltd), registered at ASF as nº 423578365

Poupança no Minuto is a brand owned by Financefy, S.A., a tied credit intermediary registered with Banco de Portugal under no. 0006860. Authorized services: presentation or proposal of credit contracts to consumers. Assistance to consumers, through preparatory acts or other pre-contractual management work relating to credit contracts that were not presented or proposed by it. Lenders: Bankinter, S.A. - Branch in Portugal, Caixa Geral de Depósitos, S.A., Banco BPI, S.A., Banco Santander Totta, S.A., Abanca Corporación Bancaria, S.A. - Branch in Portugal, Banco CTT, S.A., Novo Banco, S.A., Cofidis, BNP Paribas Personal Finance, S.A. - Branch in Portugal, Unión de Créditos Inmobiliarios, S.A., Establecimiento Financiero de Crédito (Sociedad Unipersonal) - Branch in Portugal, BNI - Banco de Negócios Internacional (Europa), S.A., Banco BIC Português, S.A., Unicre - Instituição Financeira de Crédito, S.A.