PARI
Published 8 November 2026, 22:51
PARI — Plano de Ação para o Risco de Incumprimento (action plan for the risk of default)
A procedure the bank must start when it sees that a customer is about to stop paying, or when the customer warns the bank of this themselves. The bank assesses the person's situation and offers a way out: a different schedule, a different term, consolidating loans.
Where you come across it. A housing or consumer loan, when paying becomes hard but there are no arrears yet.
It applies only before any arrears arise. It pays to warn the bank in writing: from then on the bank has obligations towards you, and you have a document setting out your rights.
Official website: clientebancario.bportugal.pt/pt-pt/prevencao-do-incumprimento