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Impact of the new housing credit rules: effort rate for young people increases
Business

Impact of the new housing credit rules: effort rate for young people increases

SAPO Notícias6 September 2026 at 10:17

Banco de Portugal reduced the maximum recommended effort rate for housing credit to 45%. This decision was interpreted by the market as a measure to brake access to credit. The dominant reading after the announcement of this new rule was that fewer people would be able to obtain financing, especially young people. The new regulation aims to limit the weight of credit installments in households' available income.

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