Credit for home improvements
How much do you need to transform your home?
Fixed or variable rateWe compare fixed-rate and variable-rate offers from the institutions we work with.
Bank response in just a few daysThe approval time depends on the credit institution and the documents you provide.
Home improvements, décor and comfortMake your home more practical and welcoming
Transform your house into the home you always imagined
At CrediSegur, a tied credit intermediary, you can compare financing offers for home improvements, renovations and upgrades from the institutions we work with.
Gather your documents and get to work
• Citizen Card or Identity Card• Proof of address: latest water, gas, phone or cable TV bill• Pay slips for the last 3 months• Most recent IRS tax return and respective tax assessment notice• Proof of monthly payments for any existing credit (if applicable)• Invoice or quote for the item to be financed• Proof of IBAN• Proof of assets: latest IMI tax assessment notice or land registry certificate• Banco de Portugal Credit Liabilities Report
Intermediation at no cost
A simple, fast and secure process
- Run a simulation with your details
- A dedicated manager will analyze your case
- We compare the offers from the institutions we work with
- We show you the offers side by side, with TAEG and MTIC
- We support you from start to finish
Illustrative exampleHome improvement credit — consumer credit
Sara and Diogo renovated their home without mortgaging anything
In this example, they financed renovation works with a Personal Credit, without using the house as collateralSara and Diogo are fictional characters created for illustrative purposes — they do not represent a real case.
Simulation (example)€210.02Monthly payment
Amount €10,000.00
Term 5 years
TAEG 11.19%
Home improvement credit vs. Mortgage: home improvement credit is a type of consumer credit designed for smaller-scale home works and equipment — it doesn’t require you to use your home as collateral. For higher amounts, or when a mortgage guarantee offers more favorable conditions, a Mortgage may be the most suitable alternative.
Simulation (example)The associated Life Insurance is optional for this type of credit. The APR (TAEG) and Total Amount Charged to the Consumer (MTIC) include Stamp Duty of 1.76% on the credit amount (upfront costs) and 4% on the interest.
Amount
€10,000.00
Term
5 years
TAN (example)
9.50%
Upfront costs (fees and Stamp Duty)
€176.00
Monthly payment
€210.02
TAEG (example)
11.19%
MTIC (example)
€12,881.28
Match the purpose of your credit to your projects
Choose the purpose and compare offers with no obligation- Consolidate credit
Combine several loans into one and keep just a single monthly paymentLearn more - Used car or motorcycle
Compare the dealership’s financing with the offers from the institutions we work with.Learn more - New car or motorcycle
Finance the vehicle outside the dealership and compare the TAEG before deciding.Learn more - Furniture and Decoration
Now that I’ve bought a home, I need a loan to buy furnitureLearn more - Personal Credit with no specific purpose
I have personal projects and need a loan to make them happenLearn more
What people say about us
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Union de Créditos Inmobiliários, S.A. – Sucursal em Portugal
COFIDIS
SICAM – Caixa Central e Caixas de Crédito Agrícola Mútuo
Caixa Geral de Depósitos, S.A.
BNP Paribas Personal Finance, S.A. – Sucursal em Portugal
BBVA, Instituição Financeira de Crédito S.A.
Bankinter, S.A. – Sucursal em Portugal
Banco CTT, S.A.
Banco BPI, S.A.
Banco Santander Totta, S.A.
Novo Banco, S.A.
Banco de Negócios Internacional (Europa), S.A.
ABANCA Portugal, S.A.
It’s a loan that allows you to carry out works, renovations or improvements at home, repaid in monthly payments, without needing a mortgage.
Yes. You can use it to renovate the kitchen, bathroom, roof, insulation, windows, painting, pool, extensions or other home improvements.
Yes. Some of the institutions we work with finance works on a house you’re still in the process of buying; the decision is always up to the bank.
In most cases, yes. The quote or invoice helps define the amount to be financed and find the best solution for your project.
In many cases, yes. It all depends on your financial profile, income and debt-to-income ratio.
It can range from a few hours to a few days, depending on the documentation and the bank.
No. The credit intermediation service has no cost for you: by law, a tied credit intermediary can only be paid by the institutions it has a contract with, and only if the credit is taken out. The costs of the credit itself (interest, fees and taxes) are set out in the standardized information provided by the bank. We support you throughout the entire process, up to the signing of the contract with the bank.
Intermediation at no cost