Source: SUPERCASA Author: Redaction With services in several areas, Pereirapisco.Creativity is a family business with a diversity of services related not only to real estate, but also to other aspects, including architecture, engineering, construction, audiovisual, graphic design and advertising. Thus, to stand out in a highly competitive market, showing its valences and attributes, Pereirapisco.Creativity invested in the services of CRM eGO Real Estate , and Paulo Pisco, CEO and founder of Pereirapisco.Creativity explained to SUPERCASA Notícias how it is to benefit from this partnership. There is a great capacity for integration. Using the ego well saves a lot of time About Pereirapisco.Creativity , Paulo Pisco reinforces the differentiating approach that has always guided his vision and, upon hearing about the Real Estate ego, immediately believed in the potential of the partnership: Nowadays, you don’t buy a chair, you buy a service associated with the chair, and our perspective has always been that. And real estate can hardly be just real estate. Real estate is a system that goes from the empathy we have with people who are selling their homes [to those who buy]. It’s a whole process that sometimes surpasses people’s own consciousness, and that’s where the Real Estate ego management platform came in, to help streamline that contact and proximity. Pereirapisco.Creativity’s first contact with the eGO was in a workshop dedicated to real estate, where they could recognize the numerous advantages of membership. Did the workshop you attended have an impact on your decision to embrace the ego? The Workshop had a lot of impact because we had already heard about the ego and your portals - SUPERCASA and CASASAPO . What awakened us was to realize that, at that time, there was an integration that could make our activity more efficient. And there was also, on our part, the perception that is the fact that CRM is integrated with the site - the premium site that we joined . Nowadays, you don’t buy a chair, you buy a service associated with the chair, and our perspective has always been that What led you to invest in a premium ego Real Estate site? For the sake of sophistication and beauty, it was a site that seemed very interesting and, with all these features integrated , it was very important for the type of activity, and for our positioning in the market - and even for our personal and professional life, because we, as a family, cherish our time and therefore the more efficient we make the company and its operation, the easier it will be to do business without giving up something so important that is our well-being, our quality of life. We had changed our site less than a year ago but did not have this integration with the rest of the activity, nor the quality that your premium site has, and therefore, in recent times, We made a great effort to make the website and the ego tool operational as soon as possible. It was a big bet. How was the initial follow-up phase? This was a custom process. We had to adapt the whole ego and the whole site to our reality, and wanted to highlight the ability and satisfaction we felt . There is an openness and capacity for understanding and bringing objectives to fruition, and we are very satisfied. So the side of accompaniment and the side of looking at us as unique, helped a lot . That’s what made us also choose. There was this perspective that has later become a reality. (...) we made a great effort to make the site and the ego tool operational as soon as possible. It was a strong bet What, in your opinion, are the great advantages of the ego? There is a great capacity for integration . Using the tool well saves a lot of time, because there is usually a set of activities that we produce separately that, here, allows us to be fully integrated. And I would also like to highlight the issue of assistance to our difficulties, which is a quick one. About your site, what differentiates it? We have always bet on a site since the beginning of the creation of this company, so the site was always a strong bet. Nowadays this is very important, because it is our face, let’s say, is our showcase. It is more important than the physical store. But I highlight the beauty and functionality. It’s beautiful and functional. (...) I also highlight the issue of assistance to our difficulties, which is quick So, do you have positive feedback about the Real Estate ego? Very positive. Very positive because we were now at a stage where it is important to make a set of upgrades and, in that sense, these tools - which is not one, are several -, came at the right time for us to be able to do this upgrade. And as we realize that you are also always growing, I think we will grow together. See the video of the interview captured. .embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; }
Source: Freepik Author: Redaction In linguistic terms, and to better understand at an early stage what tangible and intangible assets are, we begin by explaining to you that these are terms that refer to elements of physical reach . Tangible assets are, for example, a chair, a house or a key, while intangible assets are things with incorporeal existence, such as business plans or brand strategies that, although they can be documented, do not exist on the tangible plane. Understanding these concepts can help you understand the various components of your business , with a set of processes that materialize and dematerialize in different dynamics of your communication and brand strategy. Once it is created, a brand can be tangible or intangible, depending on the path that is made to increase its notoriety and recognition in the market , and that goes through good management and strategic plan . An intangible brand is the goal you want to reach if you want your brand to be easily recognized by the public, simply and effectively, and can be an advantageous goal for companies with franchises that want to grow in the market. Tangible vs. Intangible: the main characteristics If you have doubts about what these concepts mean, then we explain them, in a schematic way, to help you understand how you can make them into goals for your own brand and business , and how they materialize. A tangible mark will be • A brand with physical elements that represent the company, such as the logo, the name and the services provided. • It has intrinsic visible and tangible aspects of the brand , which create a first impression on customers and directly influence their buying decisions. An intangible brand is • A brand represented by values, with reputation, experience and notoriety about what it offers to its customers. • It is composed of intangible elements (not palpable) that differentiate the company from the competition and create emotional ties with its audience. In the real estate market, the reputation of the company and the quality of service are two of the most crucial factors for a customer to choose their services , and represent intangible brands to their essence, as they will have associated feelings of trust, fidelity, recognition and strength. On the other hand, tangible brands concern what they present to the customer , such as the property portfolio, the quality of the image, the location of their stores and the perception that people have about the company. How to build a strong brand in real estate? To truly achieve success in the real estate market, you must combine the tangible and intangible brand strategy in your company , conceiving a strong image, impeccable reputation and a portfolio of high-quality real estate. One of the biggest mistakes made in building an intangible brand is the lack of monitoring that is given to customers, creating difficulty in retaining them and achieving a sustainable and strong growth that allows it to be recognized in the market. But also, a strong intangible brand, with low quality properties in its portfolio, and poor customer service, certainly will also have enough difficulty in asserting itself as a strong brand and conqueror of great notoriety, because the true strategy to achieve intangibility lies in the junction of the two types of brands. That is, invest in quality at all levels and aspects of your business. And where to start? Logo and visual image of your brand Invest in a strong visual image for your brand , with an easily recognized logo that anyone can associate with your services. To get this kind of recognition, you have to invest heavily in the channels where you will promote your brand , spreading it in the subconscious of your audience. The CRM Imobiliário eGO Real Estate can help you with this part of the strategy , having at your disposal services that create logos for your company and personalized brochures, by specialized designers, which you can use in your communications and broadcast through various channels . Personalized follow-up Make sure to provide your customers with the best possible follow-up , doing everything in your power to satisfy them and meet their needs. This care and detail will keep them happy with their services, lead them to recommend your company and help their loyalty . For all this , you must keep an organized record of the monitoring and interactions you have with them, and may have, in the CRM ego Real Estate, records with the contacts where you record the monitoring that is done, requests for visits, opportunities, leads that you receive , and for owners with whom you do business, an exclusive portal that you can share with them to give them access to information about the property they have for sale. Communicate in a clear and assertive way In this regard, you should establish the brand values, your tone of voice, the way products or services are communicated, and the type of speech you will use for each of the channels you have at your disposal. For all this, you should create a marketing plan that involves not only the brand strategy but also the communication strategy. A successful communication will be one that, in addition to promoting products and services and presenting them clearly and assertively, also mirrors the personality of the brand and its values, with a coherent image and that easily distinguishes itself in the eyes of the recipients. Once again, through the ego, you will be able to create this type of communication campaigns, being able to create newsletters where you defend and intensify your tone of communication , focusing on topics of interest related to your area of expertise, or exclusive Landing pages for a premium service or unique product presentation, with forms you can create to get information about questions or requests from your audience. Through all these strategies, you will be closer to your audience and will be able to reach the intangible goal, being able to consolidate your brand as a reference in the market. Invest in a solid construction of your tangible and intangible brand, making yourself known to the market and paving the way for continuous and sustainable growth.
Source: Freepik Author: Redaction More than 8,000 contracts managed to obtain approval for the mortgage loan , a total that corresponds to about 33% of the total applications made by households to banks, under the government measure that provided for a 30% relief in the provision of the house. These are data from the Behavioral Supervision Report , published this Wednesday, April 17, by Banco de Portugal (BdP). According to the information shared by the bank, 25,879 applications for temporary fixation of residential loans by financial institutions were decided between November and February, and 8,636 applications were approved. Conversely, 17,243 applications were rejected, corresponding to 66% of the total, although most of these were by decision of the customer at the time of the request, then deciding not to adhere to the measure, a total of 15,555. As for the number of applications rejected, there were more than 1,000, due to contracts in the process of PARI - Action Plan for the risk of default or because they were already in default, figures that fall short of the government forecasts, anticipated that more than a million people could benefit from the measure. Thus, only 0.8% of the eligible contracts had the fixing of the provision implemented, corresponding to 1.6% of their living amount, obtaining an immediate reduction of about 76 euros, with the unpaid amounts being deferred for the period after the fixation. Follow similar topics: Youth housing credit: everything you need to know , BdP reveals that bad loans are at a minimum
Source: Freepik Author: Redaction The National Institute of Statistics revealed this Tuesday, April 16, an increase in the tax burden, in nominal terms. This is 8.8% growth, which has set the figure at EUR 95 billion. However, the ratio fell from 36% to 35.8% of GDP, and the Portuguese economy grew more than the tax burden. The INE note reads that revenue from direct taxes increased by 10.7%, mainly reflecting the evolution of income from personal income tax (IRS), which grew by 9.4% , and adds: as for revenue from corporate income tax (IRC), this grew 13.9%, continuing to benefit from the behavior of the Portuguese economy in 2023. In this follow-up, there was an increase in direct taxes with growth of 5.5%, with greater expressiveness of VAT and PSI, with the aggravating of high inflation. On the other hand, effective social contributions grew by 11.7%, reflecting, in particular, the growth of paid employment, wage upgrades and the rise in the minimum wage. The institute also adds that the tax revenues of General Government have been set at 95 billion euros, increasing about 7.7 billion euros compared to 2022, a development that benefited from growth of 2.3% in volume, GDP and the context of high inflation. Despite the indicators, nominal fiscal and contributory revenue growth, which stands at 8.8%, was lower than GDP (9.6%) , while the ratio decreased from 36% to 35.8%, with GDP growing faster than the economy for the first time since 2019, which places Portugal as the country where the tax burden is lower than that of the European Union, which stood at 40.0%. Discover also: Portugal is the country most impacted by the ECB’s monetary policy , Insolvencies increased 19.5% in the 1st quarter of the year
Source: Freepik Author: Redaction Data from the Global Tech Talent Trends 2024 released by Landing.Jobs indicates a decrease from 22.6% to 16% of the number of Portuguese in the IT sector working remotely for companies outside the country in the period of one year, something that has impacted wage gains among domestic companies compared to foreign companies. According to the analysis , the difference between wages fell from 60.1% to 50.8%, and there is also a disparity between men and women, who earn, on average, 36% less in management positions . This is a difference of about 60.9%. The decrease in these figures may be related to the trend that is reversing and that concerns the hiring of IT professionals by foreign companies that usually pay much higher wages than local companies. However, a slight increase in wages is expected this year, around 0.4%, although far from the more than 30% seen in 2022. The slowdown in wage developments could also be linked to the massive market hiring freeze between last year and early 2024 , caused by economic pressures and inflation, leading companies to delay investments. Also read: Coimbra wants to attract more technological investment
Source: Freepik Author: Redaction More than 20,000 complaints reached Banco de Portugal (BdP) last year, in a period marked by high interest rates and inflation. More families have lodged complaints with banks, mainly motivated by housing loans. According to the supervisor, almost five thousand complaints were received in this context, most related to the exercise of the right to early repayment of the provision, as well as on the measures to mitigate the impact of interest rates, introduced by the Government in the Decree-Law n.º80-A/2022. However, not only housing claims were filed, with the BdP receiving a total of 26,976 claims from various fields, which contributed to a historic increase in bank customers filing complaints and a 24% increase over 2022. The BdP says that this increase in complaints to the Portuguese banks was driven, mainly, for reasons of a structural nature, which includes, in particular, the growth of complaints about the quality of information reported to the Central Credit Authority (CRC) and the risks of fraud associated with the progressive digitization of retail banking products and services, they indicate. There were also some factors of a conjunctural nature to contribute to the exponential increase in complaints, in particular those related to the implementation of the temporary measures adopted to mitigate the impact of the increase in interest rates on borrowers lending to housing, although their contribution is lower . There are also records of 24,707 complaints closed last year, with 883 irregularities identified, a figure that corresponds to 3.6% of closed complaints. Of the total complaints, +23.3% corresponded to consumer credit matters, with a total of 7,269 complaints, and 7.6% were related to bank deposits, a total of 6,998 complaints . Follow SUPERCASA Notícias for more news: Portuguese economy grew more than tax burden in 2023 or IMF advises banks not to cut interest rates immediately
Source: Freepik Author: Redaction The tourist tax in Lisbon will increase, after the approval of the Lisbon City Council, this Wednesday, which enables the proposal of the PSD/ CDS-PP from the increase of 2 € to 4 € of the amount charged per night. From outside are campsites, by approval of a change of PS, and will be updated tourist arrival fee by sea, from 1 € to 2 €. After approval, the proposal is subject to a public consultation period of 30 days to be collected contributions before its entry into force, which should be later this year. Regarding the tourist arrival fee by sea, the impacts of tourist pressure will also be evaluated against the charges and public space available in the city, and it was decided to evaluate, after one year of its application, through the introduction, if feasible , of differentiated criteria for cruise environmental sustainability. For Carlos Moedas, this review is a fair measure for the city and for the locals , indicating that the update will allow to increase the quality of tourism and reinforce investments in several areas: This option to increase the tourist tax results from the conclusion that today tourism in Lisbon needs to contribute more and better to the quality of life of our city. And so also raise the quality of the tourist who seeks us , he said. About Tourism, we advise reading the following topics: Algarve prepares campaign to attract foreign tourists , Tourism revenues: February registers increase of 276,4M€ and More tourists choose Portugal as a destination for luxury holidays
Source: Freepik Author: Redaction The Coimbra City Council closed the year 2023 with a loss of 16.4 million euros , a negative net result justified by the constitution of provisions associated with ongoing legal proceedings. Thus, the municipality’s indebtedness capacity grew, with a management balance set at 16.7 million euros , due to the reserve of values that were used for potential compensation in ongoing legal proceedings and that may force the municipality to have to pay them. These are data contained in the accounting documents of last year, approved at the meeting of Monday, April 15, of the executive, which had abstained from the CDU and the PS, with José Manuel Silva, president of the municipality, to declare that this deficit is in line with a national trend towards inflation and price revisions. Against this backdrop, Coimbra City Council Councillor for Finance Miguel Fonseca says: the indicators confirm the financial stability of the municipality, the low dependence on external financing, the net worth as the main source of financing of the asset and the great ability to repay debts both in the short and medium and long term , he indicates. The investment expenses of the municipality result from a current saving of around EUR 16,3 million , as well as a revenue execution rate of 92,1%, which shows strong rigor in management and results from the permanent monitoring of budget execution, observed throughout the year . However, the debt capacity rose from 23.4 to 24 million euros, however, the councilman attests to the the financial stability of the municipality , the low dependence on external financing, the net worth as the main source of financing of the asset and the great ability to repay debts both in the short term and in the medium term. Also follow: Portuguese companies have record values of financial autonomy and Strategic investments will have new incentive system
Source: Pexels Author: Redaction According to Knight Frank ’s latest report on the global real estate market, received in a statement by SUPERCASA Notícias newsroom, the average house price continued to rise in the last four months of 2023 . The Global House Price Index now released by London-based real estate and offices on five continents, a Portuguese partner company Quintela and Penalva, reveals that prices are rising at a faster pace since the end of 2022. The report also indicates an average annual growth of 3.9% taking into account the main markets analyzed. Of the 56 markets monitored, only 18 saw prices decrease in the fourth quarter, a decrease from the previous quarter, when 21 markets showed the same trend. The main driver of rising prices has been product shortages in many markets. This is the case in the US, where rising mortgage rates have discouraged potential real estate sellers as they risk having to pay a significantly higher mortgage rate when buying their next home. In addition, this shortage of available real estate was intensified by a slowdown in the delivery of new housing as a result of supply disruptions affecting the construction sector in several of the major markets studied over the past four years. Portugal is in 18th place in the ranking of the fastest growing countries (5.3% to 12 months; 1.2% to 6 months) and with a slight decrease in the last quarter (0.3%), and according to Francisco Quintela, founding partner of Quintela and Penalva, Portugal continues to perform well and attract investors from all over the world . And he adds, in the note to which SUPERCASA Notícias had access: the prices that grow the most are, in fact, in the noble and central areas of the city of Lisbon, regarding the residential market, and the trend should continue throughout 2024. The demand for our country remains solid and Portugal is an alternative for many countries living moments of uncertainty. Follow more topics like this in SUPERCASA Notícias
Source: Freepik Author: Redaction The most recently released Eurobarometer, exactly fifty days before the European elections, shows a decrease in quality of life in the last five years, with Portugal being one of the countries of the European Union (EU) in which this trend is more pronounced. The end of the pandemic, the start of the war in Ukraine and the effects of inflation have had significant impacts on the lives of all European citizens, who have experienced a drop in quality of life since the last five years, and Portugal is one of the nine EU countries where this trend is more pronounced , with most respondents admitting to experiencing economic difficulties, namely through difficulty in paying bills. In the Eurobarometer published on Wednesday 17 April, 26,411 citizens from 27 Member States and 1,032 at national level were heard, with 56% o f the national sample admitting to experiencing a negative evolution in quality of life since the last European elections, that took place in 2019. The percentage is higher than the European average, which is set at 45%. On the other hand, 49% of the Portuguese say they have not felt the changes, compared to the 6% who say that their quality of life has grown in the last five years. Behind Portugal is Greece, with 74%, France, with 69%, Cyprus, 63%, and Spain, with 58% , with averages representing the negative impacts of the crises felt in Europe. 41% of Portuguese have no hope that quality of life Regarding the prospects for improvement for the coming years , the forecasts are not encouraging, and according to Eurobarometer, 41% of the Portuguese heard think that their quality of life will continue to worsen in the next five years, while 38% does not foresee any change in their living standards. Only 13% of the Portuguese believe in an improvement. The state of the Portuguese economy is also a concern of the Portuguese, and, 33%, anticipates a negative evolution, 35% does not believe in any change, compared to the 23% that predicts improvements in the economy in Portugal in the next five years. Related: Increased well-being in Portugal has an impact on consumption in GDP
Source: Freepik Author: Redaction Cascais was again awarded , this time in the areas of advertising and innovation , by Muse Creative Awards 2024 . At issue is the Golf Passport by Cascais platform, distinguished in the category of tourism website and e-commerce platform. The project, launched by Turismo de Cascais , includes a golf passport of its kind with an innovative digital solution , being the first platform that allows you to make golf reservations of 3-5 laps, in less than a minute, availability in real time and respective prices. Bernardo Corrêa de Barros, president of Turismo de Cascais, says that Cascais is at the forefront of digital innovation aimed at improving the lives of tourists and residents , explaining that now golfers can score with confidence, knowing that this is the fastest, simplest and most cost-efficient way in Portugal to play on different courses . Unique in having technology applicable to any set of golf courses anywhere in the world, Golf Passport promises to pave the way for more innovation and collaboration between destinations, travel partners and golf locations, Jo Maes, commercial director of Zest.golf and responsible for the development of the software used in the platform: this is a world first in the golf travel sector and was achieved through close collaboration between us as a technology supplier, the Visit Cascais tourism council and each of the golf clubs, to provide a fully integrated and highly functional booking solution for tour operators and consumers, collude. More about Cascais that may interest you: Cascais will advance with mega-urbanization in Quinta dos Ingleses , Cascais is recognized as Green Destination
Source: Freepik Author: Redaction Eurostat confirmed on Wednesday, April 17, the slowdown in the annual inflation rate of the Eurozone in March, which stood at 2.4%. In February, this rate had been 2.6%, which represents a drop of 0.2 percentage points. In the European Union (EU) the scenario was also one of fall, with the annual inflation rate going from 2.8% to 2.6%. According to the official European statistics office, annual inflation fell in 13 EU Member States compared to February , showing stability in four and rising in ten. For Portugal, the annual change in the harmonised consumer price index in March stood at 2.6%, similar to the EU average , and above the euro area average. Compared to February, this is also an increase. On the other hand , the lowest inflation rates in March were in Lithuania, with 0.4%, in Finland, with 0.6%, and in Denmark, with 0.8%. Romania, Croatia, Estonia and Austria had the highest inflation rates, with 6.7%, 4.9% and 4.1% in both countries, respectively. Read more: BdP reveals that bad loans are at a minimum , Insolvencies increased 19.5% in the 1st quarter of the year and Households in the Eurozone are saving more compared to 2022
Source: Freepik Author: Redaction Youth housing credit is a funding support provided by financial institutions to help young people aged 18-35 to buy a home. It is a very simple concept to understand, because it is a mortgage similar to traditional with small differences and special conditions, which can mean benefits for young people who want to take the step of buying a house. Moving forward with the purchase of a property today can mean huge charges that not all portfolios can handle, which is why there is a specific modality for the younger ones. How does youth housing credit work? It is important to keep in mind that if you are planning to proceed with a young housing loan application, take into account that there are criteria that you must meet to be eligible for this loan, namely the following. Initial input To start, before proceeding with a request from the bank, you should evaluate your available capital, because the higher the amount you are willing to give for the entrance to the house, the greater the probability of being assigned a financing. To get an approval, you must have at least 10% of the total sale value of the property, however, it is advisable that if you can and have this amount, pay more to increase credit security. Effort rate Your effort rate can’t be high. This means that your home loan can not exceed 40% of the income you earn every month, keeping a balance of your accounts and monthly budget. This is a calculation that the bank will do for you, assessing your financial capacity to be able to ensure the payment of the credit installments. Safe work This factor has an influence on your financial stability, because with a safe job and a stable and regularized professional situation, you will have a better chance of seeing your credit application be approved. If you are effective is a point in favor, getting more confidence from the financial institution. Financial conditions In addition to a stable job, you must gather stable financial conditions, demonstrating that you do not have many charges to your responsibility, or that those you have are compatible with your request for funding. Guarantor A guarantor will intervene on your behalf, assuming the payment of the instalments, if you do not fulfill this obligation, and some banks exist this figure in order to ensure that the debt will be paid. Mixed, variable or fixed rate? How to choose Once you ask for your home loan and all eligibility criteria are assessed, you will be asked to select the type of rate you want for your loan. There are three: the mixed rate, the variable rate and the fixed rate. Mixed rate This rate works in two ways, and in the initial period of your credit, which may be 5, 10 or 15 years, you will have the fixed rate in force, and then the variable rate will be applied. It is then a type of tax that is intended, at an early stage, to help the borrower to organize himself financially during the early years. Variable rate The variable rate is calculated by the sum of the spread and the Euribor index, which will vary over the credit period. Therefore, the variable rate will be paid as the principal interest rates (Euribor) rise or fall, never knowing exactly what amount will pay in the future, as it is variable depending on the Euribor. Fixed Rate This is the safest rate for those who want to always pay the same amount of the instalment, being a rate that remains the same throughout the term of the loan. It usually has a higher value than the variable rate, however, it offers more security to the borrower, who will always know exactly when money has to be available to ensure the payment of the benefit. Concepts to retain Euribor (European Interbank Offered Rate): this is the Euribor interest rate, resulting from the average interest rates applied in the main banks and credit institutions of the euro area in the interbank market. It is the benchmark of the European market. Loan-to-value (LTV): this is the ratio that corresponds to the percentage that the bank can request in relation to the value of the property. Thus, a percentage that determines the value that the bank can lend, against the value of the property, and since no bank lends the entire value of the house, the LTV will vary according to whether it is a loan of greater or lesser risk to the financial institution. Effort rate: this is the rate that will represent the percentage of the total income of the borrower (or couple) that will be used to pay the credit. Thus, it helps to understand what is the available value of the income earned, to meet the expenses after the payment of benefits. Total amount charged to the consumer (MTIC): this acronym is what will let you know how much will cost you, exactly, the mortgage credit, corresponding to the total that you will have to pay for the credit by adding the amount of the loan with the costs of commissions, interest and taxes. Global Effective Anal Rate (APR): this is the rate that represents the entire credit charges, namely bank fees, registrations, taxes, among many others. Spread: this is the interest rate that is applied to credit agreements by the bank and represents its profit margin. What documents do you need to apply for a youth housing loan? • Citizen’s Card; • Receipts from the previous three months (or the most recent ones); • Statement of proof of the entity where you work; • Bank statement for the past few months; • Declaration of IRS. Guarantor: what you need to take into account Most likely you will be asked to elect someone as your guarantor, being this person committed to take responsibility for the payment of the debt if you incur in default of the credit agreement. Thus, your guarantor will be the bank guarantee for your credit, and may be required by the bank in the following situations: • if there is a risk of default; • if the stress rate is high; • When there is irregular credit history; • If you have an unstable financial situation. If the bank finds that your financial situation is stable, compliant and balanced, you can get a credit without needing a guarantor. However, you should always seek to obtain more than one credit simulation, from various banks and financial institutions , to understand which compensates the credit, and the values and rates may vary. We hope to have helped you and we are waiting for you in supercasa.pt to start the search for your future home!
Source: Freepik Author: Redaction It was in its latest Global Financial Stability Report that the International Monetary Fund (IMF) warned of interest rate cuts in the first chapter, advising central banks to remain on alert until the disinflation process was overcome. This is a piece of advice that contradicts the optimistic outlook of financial markets, which anticipate the end of inflation and a possible easing of restrictive monetary policy. Nevertheless, the IMF technicians act with caution , considering that the various challenges that still remain, namely geopolitical tensions and pressures on the real estate market, may increase risk for some lenders, especially with the ongoing problems in China’s real estate market, the report notes. Thus, although inflation slowed rapidly on a global scale, the trend began to diverge in countries such as the US, the UK, South Africa, Italy, Germany and France, inflation expectations for the coming years began to show signs of rising. Kristalina Georgieva, president of the IMF, makes it clear that this phenomenon may jeopardize the expectation of a continuous disinflation, with projections indicating that future inflation in large economies may not slow down quickly, remaining above central bank targets . This is a message that goes against what the President of the European Central Bank (ECB), Christine Lagarde, and the President of the US Federal Reserve, Jerome Powell, had already advocated after the meeting of the Monetary Policy Councils. The discrepancy between the instability in asset prices and the political and economic uncertainty felt are also another of the warnings left by the IMF , which considers that it can anticipate increases in volatility due to negative and unforeseen shocks in inflation, with potential to shake the forecasts of falling interest rates. All of this could result in a correlated sale of assets, tightening global financial conditions and especially affecting emerging markets, which face disproportionately high refinancing rates, the IMF technicians said. The indication left by the IMF is therefore that the banks should wait, avoiding premature easing of the monetary policies in force so that they do not have to move backwards afterwards: instead, they should combat investors overly optimistic expectations of easing monetary policy, in order to be able to ensure a stable transition to a less restrictive monetary policy, they conclude. Keep abreast: Portugal is the country most impacted by the ECB’s monetary policy
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