Highlights

Casal jovem descontraído dentro de uma banheira decorativa, num cenário criativo, simbolizando liberdade e leveza após conseguir crédito habitação 100% financiado.
Housing Credit Acquisition

Guide to 100% financing for youth.

100% financing for young people has generated great interest among those who want to buy a house without savings. But who can access it and under what conditions?

11 Jun 2026 • 4 min

Homem sentado num sofá com uma caneca nas mãos, acompanhado por um gato tigrado que o observa atentamente.
Housing Credit Acquisition

Young mortgage credit 100% financed: How to make a down payment on the CPCV?

The benefit of the public guarantee that the State has implemented for young people up to 35 years old allows financing of the house to 100% without having to finance any down payment. But what happens to the signal that has to be paid in the CPCV, before the deed? Find out the options next.

04 Mar 2025 • 3 min

Compra de casa jovens: Além da isenção dos impostos, podem ter crédito 100% financiado
Housing Credit Acquisition

Young house buyers: Besides tax exemption, they may have 100% financed credit.

Young people up to 35 years old can benefit from exemption of IMT and Stamp Duty when buying their first house, exemption of property registration costs, and public guarantee that allows 100% financed mortgage credit.

04 Apr 2025 • 3 min

Isenção jovem do IMT na compra de casa com novos limites em 2025
Taxes

IMT young exemption for purchasing a home with new limits in 2025.

Notice the limits of this benefit, updated in 2025.

13 Apr 2026 • 2 min

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.