transferência de crédito
Published 8 November 2026, 22:44
transferência de crédito habitação (moving a mortgage to another bank)
Moving an existing home loan to another bank on new terms — usually to reduce the spread and the monthly repayment. The house stays the same but the lender changes: the new bank pays off the debt to the old one and draws up its own contract.
Where you come across it. Talking to the bank about lowering your repayment, offers along the lines of "we will buy out your loan".
Look beyond the rate: a transfer has costs — a new property valuation, registration, and sometimes an early repayment fee at the old bank. It pays off when the old spread is noticeably higher than current offers.
Official website: bportugal.pt