0,00€
Prestação mensal indicativa de 0,00€ para um crédito a 0 anos. Não inclui seguros, taxas e despesas eventualmente aplicáveis.
If you find a lower interest rate at another bank, you can significantly reduce your monthly payment.
Switching banks can also allow you to extend or shorten the loan term, helping to adjust your payments to fit your budget.
Some banks offer advantageous transfer conditions to attract new clients.
Prestação mensal indicativa de 0,00€ para um crédito a 0 anos. Não inclui seguros, taxas e despesas eventualmente aplicáveis.
Our team of professionals is available to help you find a credit solution tailored to your profile.
Yes, provided that the new financial institution accepts the transfer and offers improved conditions.
There may be fees or insurance costs, but the savings from a lower interest rate usually outweigh them.
Usually a few weeks, depending on the bank and the documentation submitted.
A mortgage transfer involves moving your home loan from one financial institution to another that offers more advantageous terms — such as a lower interest rate or better insurance conditions.
Compare your current monthly payment with the simulation from the new institution. Even a small difference in the interest rate can result in significant savings over time, but it is also important to check for any costs associated with the transfer.
Request simulations from several banks and compare the APR (Annual Percentage Rate), the spread, fees, and mandatory insurance. This is the only way to understand which is the best overall offer.
A transferência implica o encerramento do crédito atual, o que pode gerar uma comissão de reembolso antecipado. Confirme o valor junto da sua instituição atual antes de avançar.
Make sure you understand whether the new offer has a fixed, variable (linked to Euribor), or mixed rate, and the impact each type may have on your monthly payment over time.
The transfer may require new life and home multi-risk insurance. Compare the conditions and check whether you can keep your existing policies or choose other providers.
Some transfer offers have different terms than the original contract. A longer term lowers the monthly payment but increases the total cost of the loan.
These two indicators allow you to compare offers clearly:
The APR (TAEG) shows the total cost of the loan as an annual percentage.
The MTIC indicates the total amount you will pay by the end of the contract.
Before signing any contract, verify all conditions, costs, and charges in the FIN. This document is mandatory and allows you to compare offers transparently.
