New Loan — with real costs and a well-prepared application

Um crédito mal estruturado custa caro. Aqui a ideia é simples: simular bem, entender o custo total (juros + taxas), escolher prazo/montante com cabeça e submeter com a documentação certa para aumentar as hipóteses de aprovação — sem pedidos “à toa” que possam complicar.

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Total cost explained

Complete checklist

Controlled submission

What we do for you

Simulation + strategy + a well-made submission.

No obligation

Analysis of your situation: income, expenses, existing contracts and goal.
Simulations: different amounts/terms to see the instalment and total cost.
Checklist: the right documents to speed up approval.
I explain the decisions: what affects approval and how to optimise it (when possible).

Already have a loan?If the goal is to reduce interest/instalments, the best route isLoan renegotiation.

Interest & fees

I show you the total cost, not just the instalment.

Deadlines

The ideal term so you’re not “paying forever”.

Strategy

Controlled submission to avoid noise.

Request an offer / simulation I have a question

How it works (3 steps)

Goal → simulation → submission.

Diagnosis

I gather your goal, amount, term and monthly capacity.

Simulation

I compare offers and show the total cost and critical points.

Submission

Support with documentation and submission through to the decision.

Request a simulation (free)

To move faster, please send

The purpose of the loan and the approximate amount.
Employment status (employed/self-employed) and net income.
Rent/mortgage, fixed expenses and existing loans (if any).
Residence permit type (B/C/L) and marital status (where relevant).

Send details

FAQ

How long does it take?

It depends on the type of loan and the documentation. If everything is submitted correctly, the process is much faster.

Fixed or variable rate?

It depends on the product and the risk. I explain the difference and the impact on the instalment over time.

Can I apply with a B permit?

Often yes, but conditions vary by institution and profile. I check the options for your case.

Will it affect my “score”?

Multiple applications can have an impact. That’s why we plan a strategy and submit them in a controlled way.

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Avance quando quiser.

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Novo crédito No obligation

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