Source: SUPERCASA Author: Redaction The billing of a company is one of the most important points in the success of a business, not only because, for a company to survive, it must invoice, but also because it is necessary to have knowledge about these standards. The challenges can be various, especially for real estate companies that have just opened or see themselves alongside a large volume of work , being essential to have, management platforms that integrate these administrative bureaucracies related to billing. The biggest challenge facing companies may be the large volume of invoices, receipts and tax documents they have to deal with every day and, by not having access to an organized system that allows them to sort all this documentation , may hinder, and even impair, the proper functioning of the company. However, there is an extremely complete platform on the market that can save you from this disorganization , characterized by its state-of-the-art technology, full integration with other services and a number of other strategies that can help businesses grow , exclusively for the real estate market. Real Estate ego billing module: what is it about? You have certainly heard of the market leader CRM for more than 20 years in Portugal , being aware, therefore, of the numerous features of the eGO Real Estate and the various aspects in which it helps real estate agencies and consultants. One of the areas in which the Real Estate ego can be very useful is in the billing of your company and business , because through its Invoicing Module allows the issuance of invoices, credit notes, receipts, and even the creation and extraction of SAFT files to present to finances. The Billing Module ego Real Estate is duly certified by the Tax Authority. What advantages will you have when using this feature? To begin with, this is a fully integrated module in your CRM, where you will not only be able to manage your company, as your properties in portfolio, but also the monitoring that is done to potential customers and owners. Only with these advantages will you have a greater ease and 360º vision in monitoring all aspects of your business , with features that will allow you to remove metrics, manage processes, treat sales opportunities, and even integrate your real estate site. This is the great advantage over other options available in the market, because with a fully integrated service, you will not have to resort to external platforms. If you have doubts about whether it is advantageous to invest in the ego, know that access to the Billing Module, within the CRM, does not represent additional costs for you, as it is included in the monthly value of the plan.
Source: Freepik Author: Redaction The International Monetary Fund (IMF) has come to the conclusion that Portugal is the country where the costs of housing loans have risen the most after the monetary policy implemented by the European Central Bank (ECB), which has resulted in higher master interest rates . This increase has increased the debt service burden in Portugal, which is equivalent to 1.2% of GDP. According to the World Economic Outlook, released this Monday by FIM, it is possible to conclude that the annual increase in debt service costs, compared to mid-2022, varies significantly across the euro area, from Portugal, with 1.2% of GDP to Malta with almost zero . Thus, Portugal is the first in the ranking of European countries with the highest impacts on costs after the ECB’s monetary policy entered into force in July 2022. Second are Finland, with 1.1% of GDP, and Estonia, with 1%. As explained by the IMF, there are market characteristics that contribute to the changes in the transmission of monetary policy effects, namely the prevalence of variable rate loans and the proportion of households with mortgages , and Portugal is effectively one of the European countries with the highest number of housing loans at the variable rate, being vulnerable to any kind of changes in interest rates. Still, the IMF believes that the impact of monetary policy on countries such as Portugal, Hungary, Ireland and the United States seems to have weakened, as there has been a reversal of some trends, such as greater adoption of fixed rate credits, tighter limits of the ratio between the amount of the loan and the value of the asset (real estate), lower indebtedness, emigration from densely populated areas and deflation of housing prices in some areas previously overvalued . Stay to read Differences between a fiador and a avalista: understand them , Households in the Eurozone are saving more compared to 2022 and Banks anticipate resumption of demand for housing credit
Source: Freepik Author: Redaction A avalista is different from a fiador , although they can be confused by having a similar role . However, if there is a difference between guarantee and bail, the two nomenclatures take separate functions, representing two types of guarantee when granting a claim. Find out the differences so, if you are asked to be the avalista or fiador in a credit claim situation, know exactly what to do, knowing obligations, duties and everything that involves these two concepts. Fiador: what is it, what are your obligations and what risks are you taking? Fiador is probably the term you are most familiar with, and you may even know someone who is, or was, someone else’s guarantor in a lending situation. A fiador is nothing less than the person to whom the obligation to settle unpaid amounts falls if the person who took the credit, that is, the debtor, does not pay it. So, imagine: you have a family member who asked for credit to buy a house, and asks you to be your guarantor. By assuming this role, if your family member fails to pay the installments of the credit, you are responsible and responsible for ensuring these missing payments. We give the example of a family member, because in these situations, the most common is that the guarantors are the direct relatives of the credit borrower, such as parents, siblings or uncles. Thus, the greatest risk a fiador runs is even if the person of which he becomes a guarantor ceases to pay his obligations to the bank, which, in a more complicated situation, may involve the enforcement of his personal property by the creditor , as it assumes responsibility on behalf of the debtor. To mitigate these risks, the fiador can obtain the benefit of the prior exclusion, which allows him not to have to pay the debt until the credit holder’s assets are executed. And know that, when you become a fiador of someone, you will hardly stop being one if you change your mind in the future . A bail only ends after the full settlement of the debt or through an agreement with the creditor , however, and because it is a guarantee on debt compliance, this type of negotiations are difficult. Avalista: differences from fiador, obligations and risks Like the fiador, the avalista will be someone who takes responsibility for the payment of the debt in case of default by the credit holder, through letters or notes. Unlike the fiador, who pays the debtor’s default bond , the avalista pays the guarantee, which is used most often in the financing of legal persons, such as companies and organizations. The guarantee can be achieved by the total value of the debt or a lower one , and a signature on the back of the document is enough to seal the commitment. The figure of the avalista is more relevant for companies , unlike the fiador who acts as guarantor of an individual person. The endorsement thus contributes to the growth of small and medium-sized enterprises , often representing the only way for them to obtain financing from banks. Thus, a avalista is jointly and severally liable, in which both the debtor and the avalista assume the same responsibility in the claim , and the creditor entity may trigger the assets of any of the figures in case of default. It is common for the avalistas to be the partners or administrators of the companies for which the financing is requested from the creditor entities, doing so to facilitate the obtaining of this loan. As with bail, in the event of non-compliance, the avalista’s personal property may be at risk of execution. However, if the avalista presents a vulnerable economic situation, he may request a special procedure for settlement in the payment, with the creditor, based on a payment plan to facilitate and allow the guarantor the commitment made in the payment of outstanding amounts. In the last case, failing to secure the payments, the avalista may request a personal insolvency application with exoneration of the remaining liabilities , that is, request the forgiveness of the debt. If you are clear and would like to learn more about what a credit involves, we suggest you read Building credit: what is it and how does it work? , Credit intermediaries: how do they work? or Cancelling the mortgage: all you need to know
Source: Freepik Author: Redaction The Tax Authority (AT) clarified last Friday, April 5, that the rents paid in s ocial housing are also included in the IRS deductions, provided that up to the limit of 586 € . Moreover, it informed that if the values do not appear automatically in the income statement, the tenant must enter them in Annex H of the model 3 declaration. Leasing contracts for urban buildings belonging to local authorities, concluded under the rent-supported regime [...] are subsumed under the legal regime established by the New Urban Lease Regime (NRAU), and, in these terms, the value of 30% of their rent, be deducted from the IRS collection of the respective tenant, up to the limit of 586 euros , indicates the TA. This clarification was passed after a request for information launched by a tenant about the possibility of inserting social housing rents in the Portal efatura, for the purpose of deducting expenses in the IRS. Thus, the amount to be deducted from the tax on expenditure on social housing rents is higher than the amount deductible with benefits outside the supported scheme. Therefore, in the normal system, tenants can deduct 15% of the rent costs from the tax payable, up to the limit of 502€, while social housing rents are deductible up to 586€, with a 30% discount. Also find out about New rate of 25% will cover all rents received in 2023 and VAT reduction for housing: APPII is happy with proposal
Source: Freepik Author: Redaction The City of Lisbon discussed last Friday, April 12, the operation of municipal subdivision in the parish of Santa Clara , and it was approved in a private meeting of the executive. At stake is an area of 20,981 square meters, with four lots, for housing construction and commercial spaces. The proposal was submitted by Joana Almeida, councilwoman of Urbanism , and intends that two of the four lots, with 26,824 square meters, distributed over 265 homes, are allocated to housing use, while the remaining two are for use of trade and services, with 7,350 square meters of pavement surface. This subdivision operation obtained the final favorable opinion by the Regional Coordination and Development Commission of Lisbon and Tagus Valley (CCDR-LVT)However, the approval by the Chamber was conditioned by compliance with the opinions of the municipal services of urban planning, mobility management, urban hygiene and public space. Also accompany: Grupo Casais is building housing at controlled costs , Évora will build 122 new fires with investment of 26M€
Source: Freepik Author: Redaction COSEC - Credit Insurance Company released on Monday data on insolvencies in Portugal, which skyrocketed in the first quarter of this year. According to the insurance company, the number soared 19.5% and it is micro-enterprises, that is, those that employ less than 10 people, who represent a larger share of the total (67%) , between the months of January and March. More than half of the insolvent companies, representing 52% of the total, have been in business for at least ten years, and it is in the large metropolitan areas that this trend is most evident, with Porto and Lisbon at the top of the analysis. According to the data, it is in Porto that the largest number of insolvent companies (182 companies) and also the largest share of companies in default of their obligations are located. This is a 42% increase over the same period last year. Next is Lisbon, with 120 companies in this situation , which represents an increase of 34% compared to the first quarter of 2023. Also during the first quarter period, it was the services sector that verified more insolvency situations, with 133 cases reported, followed by the textile sector, which changed position with the retail sector, and also the construction sector. Also accompany: Tourism revenues: February registered an increase of 276.4M€ , Portugal is the country most impacted by the monetary policy of the ECB and Portuguese companies have record values of financial autonomy
Source: Freepik Author: Redaction The National Institute of Statistics (INE) released on Monday that Portuguese tourism continues to grow, and its revenues increased 13% to 276.4 million euros during the month of February. Compared to the same month last year, there is still an increase of 7.0% in the number of guests, an increase of 6.4% in the number of overnight stays and an additional 13.1% in income. Regarding this trend, Statistics Portugal states that in February 2024 there were 1.8 million guests and 4.6 million overnight stays , which means increases of 6.6% and 5.8%, respectively in all tourist accommodation facilities, adding that, The overnight stays of residents increased by 2.7% and those of non-residents grew by 7.4% , reads the statistical report on tourism activity. Although the main indicators have grown, there has been a slowdown in the income obtained from the rooms in the accommodation , however, the highest value continues to be verified in Greater Lisbon (107.8 euros), followed by Madeira, with 85.6 euros. However, all regions had growth since indicator. As regards income per available room, there was an acceleration , having grown 4.5% to 37.8 euros in February, compared to the same period in 2023. Regarding overnight stays, the Portuguese statistics institute states that the municipality of Lisbon concentrated 24.3% of total overnight stays (12.1% of total overnight stays of residents and 30.3% of non-residents and, among the municipalities with more expressiveness in the total overnight stays in the month under analysis, Lisbon (8.3%) and Porto (10.5%) continue to stand out. Related news: More tourists choose Portugal as a luxury holiday destination , Portugal won 31 awards at the World Travel Awards
Source: Freepik Author: Redaction The Municipality of Esposende changed its initial version of the Local Housing Strategy (ELH), approved in September 2021. This proposal included the acquisition and rehabilitation of fractions or buildings for housing to rehouse 91 families, however, this was changed, now contemplating the construction of 104 fires in the municipality with 91 of which to be allocated to the lease at affordable costs, and the remaining 13 for rehousing those affected by interventions in the municipality. The reality of the real estate market in the municipality has imposed several constraints to the materialization of this housing solution, due to the scarce supply and very high prices , indicates the municipality. Thus, although resources from the municipality have been allocated to develop solutions, the implementation of the housing solution initially planned proved to be unfeasible , having been the need to find another type of response to address existing shortages regarding access to housing . Initially, t he ELH of Esposende had an overall investment of around 23 million euros. Now, having changed the version of the document, there is still no indication of a new investment value, although, as indicated by the camera, it is a large-scale investment. Benjamim Pereira, president of the municipality, stresses that t he municipality will continue to promote solutions for people living in unworthy conditions and who do not have the financial capacity to bear the cost of access to adequate housing. Keep up with more topics like this in SUPERCASA Notícias
Source: Freepik Author: Redaction In the fourth quarter of 2023, according to the data recently released by INE and sent by AICCOPN to the newsroom of SUPERCASA Notícias , 34,126 family homes were transacted, for a total amount of 7,174 million euros, which corresponds to variations, compared to the previous quarter, of -0.4% and +1.4% in number and value, respectively. Regarding the evolution of real estate prices, there was a maintenance of the appreciation trend, with the housing price index increasing 1.3% compared to the previous quarter. In January 2024, at the level of the licensed area, the municipalities registered reductions of 12.6% in residential buildings, and 14.7% in non-residential buildings, compared to January 2023. As for the number of fires licensed in new constructions, this month saw a decrease of 16.4% year-on-year to 2,394. Regarding the new housing construction cost index, in January there was an increase of 1.9% year-on-year, as a result of variations of -0.9% in the material component and +5.7% in the labor component. By the end of February 2024, cement consumption in the domestic market totaled 646.3 thousand tons, which corresponds to a growth of 13.4%, compared to 569.8 thousand tons recorded in the same period of 2023. In the public works segment, in the first two months of 2024, significant growth is verified, compared to the same period of 2023. Indeed, as regards the amount of public works tenders promoted, there was a significant increase of 173% year on year to EUR 624 million, with the opening of a tender for the High Speed Railway Line Concession, in the amount of EUR 661.4 million, to be decisive for this development. As for the total volume of public works contracts concluded until February and reported on the Base Portal until March 15, it shows an increase of 15%, in terms of year-on-year comparable change, to 414 million euros. Read more topics like this in SUPERCASA Notícias
Source: Aldeias Históricas de Portugal Author: Redaction If you are looking for an enriching cultural experience, where you can not only explore landscapes and nature reserves, but also a series of adventures and other activities, Castelo Rodrigo is one of the 12 Historical Villages of Portugal that you really have to visit. Belonging to the parish of the municipality of Figueira de Castelo Rodrigo, it is surrounded by monumental spaces that will transport you to medieval times. What can you visit in Castelo Rodrigo? The variety of monuments will surprise you, but we suggest, mainly, a visit to the Castle, which is the main attraction of the village, imposing for its medieval design and which will provide you with a unique experience, the panoramic views over the region that will make you return in time and, soon after, we recommend you to explore the Citadel , where you will find narrow streets, stone houses and several points of interest, such as the Church of San Salvador, the Governor’s House and the Keep. If you prefer a cultural passage, the mandatory recommendation is the Côa Museum, where you will get to know the history of the region and the collection of rock prints with more than 25,000 years. Other points of visit we suggest: • Douro International Natural Park: this park covers part of the municipalities of Miranda do Douro, including the parish of Figueira de Castelo Rodrigo, and is an excellent option if you prefer to explore the surroundings. You will find river beaches and unmissable trails. • History Zone: inside the village of Castelo Rodrigo, you will find a series of traces of the past that will make you travel back in time to discover the medieval Jewish Quarter, the House of Mercy or the Church Matiz. What’s it like living in this historic village? The natural landscape of Castelo Rodrigo will surround you with history and beauty, being an ideal village for lovers of hiking, cycling or outdoor activities . Then, on a historical level, the heritage is vast and very complete, with lots of places of interest that will take you on a real history lesson . T he community of Castelo Rodrigo is extremely welcoming and hospitable, so you can expect a warm and happy stay, but also with the advantage of having a low cost of living , which is significantly lower than in the large surrounding Portuguese cities. And finally, one of the most appreciated points, is the security that the inhabitants feel, being able to walk leisurely through the streets at any time of the day, without any kind of problem, as it is an extremely peaceful and peaceful locality. On the other hand, by living in this village so aged, you may feel isolated and displaced from large cities, because the fact of being part of a rural area, without great infrastructure, and also the fact of having a relatively complicated car access, especially for those who come from outside, which hinders access to the cities of the periphery. Still, Castelo Rodrigo is a living postcard of obligatory visit for any Portuguese who wants to know a little of the historical past. It is a welcoming village that offers hospitality, history, natural beauty and contact with nature. And for all these reasons, Castelo Rodrigo can be the ideal place for you! If you are looking for houses in this region you will find several options in SUPERCASA
Source: Freepik Author: Redaction Grupo Casais is carrying out a housing construction project for controlled cost rents in the subdivision of the Armed Forces in Entrecampos , Lisbon, as announced by the Portuguese construction company in a statement sent to the newsroom of SUPERCASA Notícias . The client of this work is SRU Lisboa Ocidental, S.A- Sociedade de Reabilitação Urbana. It is a nine-storey apartment building, intended for housing, which has on the ground floor common spaces for exclusive use of residents and technical areas. The spaces in question are: multipurpose room, locker/storage area; bicycle parking and patio. From floor 1 to floor 8 will consist of housing, and floor 9 the technical coverage. The first floor will still be provided with two commercial areas. The construction is traditional and the work, with a contract value of 9,325,862.38 €, started on January 30, 2023, with the current execution period corresponding to 22 months . The building consists of 68 housing units, with 15 units of typology T0; 23 units of typology T1 and 30 units T2. We believe that it is important to be involved in projects of this nature, since our main focus is to create positive impact on society, through various forms. We know that the housing segment is currently at a stage where intervention at critical points is extremely necessary. For this, it is crucial to act in an agile and consistent way and makes us very proud to be part of this process , says António Carlos Rodrigues, CEO of Casais Group , in the note to which SUPERCASA Notícias had access. Read also: Iniciativability Consulting arrives at Complexo das Amoreiras , Baixa de Lisboa wants to rehabilitate vacant municipal properties
Source: Freepik Author: Redaction Selectra , a specialist in energy tariffs, made several calculations where it finds a remarkable variation in energy consumption related to the cooling of homes, depending on the devices used , having sent them in a statement to the newsroom of SUPERCASA Notícias . In order to answer how much is, on average, the cooling in the electricity bill of three family configurations in two different markets, it was possible to reach the conclusion that the regulated market is, on average, about 6.20% more expensive. In these calculations, tax-free base price values were used. For a family configuration without children, the use of a fixed air conditioner was considered. For families with two children, two fixed air conditioners and a ceiling fan were incorporated. Finally, for families with four children, two fixed air conditioners, two ceiling fans and a portable air conditioner were included. With regard to appliances that give the greatest weight in energy expenditure, a clearer picture of the actual costs associated with each type of cooling is presented. Thus, it was possible to identify that fixed air conditioning is the least economical option, followed by portable air conditioning and, finally, the ceiling fan. These analyses aim to provide consumers with transparent and detailed information to make informed and prudent decisions regarding energy consumption and choices to cool their homes. By fully understanding the options available and their associated costs, families will be able to take effective measures to save energy and reduce expenses without compromising their comfort. Some recommendations have also been put together to help consumers achieve this goal successfully: Place the air conditioner at a temperature between 24 ºC and 25 ºC, as each degree that lowers the energy consumption will increase by 8%; 80% of air conditioning consumption results from cooling the air it collects. It is therefore much cheaper to use a fan which, although it does not cool the air, makes it circulate; Roll down the blinds or close the curtains to prevent the house from being heated by the sun . It is also important that all windows are closed when the air conditioning is switched on and that the rooms which do not need to be cooled are closed; If you are buying an air conditioner, make sure you have an A energy label . If this is A+++, energy savings will be around 40%; Unplug appliances that are not in use, as leaving them in stand-by accounts for 10% to 16% of household electricity consumption, so it is advisable to unplug as many of them as possible; Enjoy natural ventilation in the cooler moments of the day , such as early morning or late afternoon; Check that the house has good thermal insulation as it will prevent unwanted heat from entering and ensure that the internal temperature remains more stable; Like the tips? Follow the SUPERCASA Notícias for more similar information
Source: Freepik Author: Redaction The Government of Luís Montenegro contemplated culture in the program of the XXIV Constitutional Government , proposing that admission to museums and monuments be free for young people up to 25 years. On Sunday mornings and holidays this is already a reality in Portugal, however, the measure intends to extend the period of access , having gone to debate this Thursday and Friday. At stake is the allocation of a higher value to culture in the State Budget, up to 50%, with the target to be achieved in the next four years. Ensuring the proper functioning of heritage institutions throughout the territory, especially the Museums, Monuments and Palaces is one of the priorities of the new Government, which intends to combat the reform recently undertaken by the previous Government until the end of the legislature. The measure also wants to stimulate the regular visit of children and young people to Monuments, Museums, Theaters and other cultural facilities , as well as expand the informative offer from the second cycle of education in the areas of music, theater, dance and visual arts. The book market will also undergo a revision with regard to the law of fixed book price , and that involves evaluating the creation of tax exemptions related to the taxation of the value of books in storage, in order to minimize the destruction of books returned to publishers with an incentive of the book entities to reuse books and bet on the digital transition (e-book or audiobook) . Libraries will also have a strengthening, namely the National Network of Public Libraries, the National School Network and research libraries , through the promotion of translation and the internationalization of national literary production. Discover also: DGES points out socioeconomic inequalities in university access , Coimbra wants to attract more technological investment
Source: Freepik Author: Redaction Portugal is no longer the country where travel expenses are highest, although it remains among the destinations where this type of monthly expenses are highest . The data is from the mobility barometer of Europ Assistance, shared this Tuesday, April 9. According to the analysis, Portugal occupies the fifth position in the international ranking, with each Portuguese spending, on average, 132€. At the top of the table is Belgium, with average monthly expenses of € 194, followed by Austria, with an average value of € 192, Germany, with € 153 and Italy, with € 138. On the other hand, with lower averages than those of Portugal, there are France (131€), Chéquia (125€) and Spain (108€). These values were calculated based on spending on fuel, parking, tolls, bicycle rental, scooters, public transport and TVDE. In all the countries analyzed, 42% regularly use public transport, having increased the use of electric bicycles in almost all European countries , except Portugal. In our country, the trend is reverse, with the use of personal bicycles decreased compared to the previous year. Related topics you can read: Portuguese reveal concern with mobility , Government approves use of 1.5M € for works in the Metro of Lisbon and Funchal is one of the places in the world where there is more traffic
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