Between R$17 and R$60, all loans become more expensive this month – always at a variable rate. Looking for an alternative.
June begins and brings a increase on the home loan. THE housing credit It is more expensive in all contracts: three months, six months and 12 months.
The simulations for Lusa by Deco Proteste/Accounts and Rights point to a price of around 60 euros (12 months), 33 euros (six months) and 17 euros for three-month contracts.
All in a financing scenario of 150,000 euros over 30 years and a spread of 1%.
And all in a variable rate scenario. To avoid these fluctuations – which since 2022 have been fluctuations clearly pointing upwards – the Portuguese are trying to avoid the variable rate.
“Many consumers are choosing to negotiate with banks now fixed rates”, comments Natália Nunes, lawyer at DECO.
On the radio, the lawyer explains that changing the rate usually takes time 2 or 3 years. During this period, the consumer knows that there are no variations in the monthly payment.
Then, it switches to variable rate. “In other words, it is what is called in practical terms mixed rates”, explains Natália.
“This will allow consumers to have the pre-fixed rate for a certain period and have the security that the value of the benefit will not change, it will not increase, but it will not decrease either”, adds the specialist.
