Skip to content
CrediSegur — home page

Guides and articles

Insurance
August 21, 2026

Multi-risk insurance: what is really protected in your home?

Not all multi-risk insurances cover in the same way, and some people are caught off guard when an incident occurs.
Andreia Marques
4 min
Read article

Articles

16 results

Economy
October 20, 2026

The difference between gross salary and net salary

Understand what affects your salary amount, how to compare two job offers, and what happens to your IRS when you get a raise.
Rui Silva
4 min
Mortgage
October 20, 2026

What are the costs of buying a house?

Find here the list of all the costs you will have until the day of the deed and the monthly expenses that add to the mortgage payment.
Carlos Viegas
3 min
Mortgage
October 19, 2026

Effort rate: What it is, how to calculate, and what the limit is in 2026

Discover what the effort rate is, how to calculate it, and the maximum limit set by Banco de Portugal. See which zone you're in: healthy, concerning, or risk, and learn about solutions to lower your effort rate.
Maria João Moreira
4 min
Insurance
August 21, 2026

Multi-risk insurance: what is really protected in your home?

Not all multi-risk insurances cover in the same way, and some people are caught off guard when an incident occurs.
Andreia Marques
4 min
Energy
August 11, 2026

Bi-hourly tariff: off-peak hours will change in 2027

Find out what changes in your bill, who is affected, when it takes effect, and how you can prepare.
Carolina Francisco
4 min
Mortgage
June 16, 2026

Buying a house today requires more time and consideration

In 2025, the real estate market broke records. In 2026, the signs changed. The average time a house stays listed has risen again to 151 days. Discover what's changing and how to be prepared.
CrediSegur
4 min
Mortgage
May 26, 2026

There are new fiscal measures for housing

Portugal has a new housing decree-law. But at the same time, Banco de Portugal is studying new credit restrictions. Understand what changes, for whom, and how these two pieces of the puzzle fit together, or not.
Ricardo Ferreira
9 min
Savings
April 27, 2026

Since 2010, thousands of clients… And a truth that always repeats

Financial problems rarely lie in the money itself, but in how we think, decide, and act. Discover the five pillars of a balanced financial life and how to act in each scenario.
Ricardo Ferreira
8 min
Insurance
March 31, 2026

Electric scooters, do they need insurance? True or false?

The scooter craze is here to stay, but what many still don't know is that depending on their characteristics, it may be necessary to take out Liability Insurance (RC), similar to car insurance.
Henrique Maricato
3 min
Mortgage
March 13, 2026

Conflict in the Middle East and the impact on interest rates

The current geopolitical context and the escalation of the conflict in the Middle East can have direct consequences for families with a mortgage. Understand the impact on interest rates and strategies to protect your budget.
Rui Silva
6 min
Savings
March 5, 2026

IRS: 3 tax strategies few know that make all the difference

Did you simulate the IRS and the result was not as expected? Discover 3 tax strategies to start implementing now and see results in the 2026 IRS.
Carolina Francisco
8 min
Consumer credit
February 12, 2026

Consumer Credit: a tool for financial stability when well managed

Consumer credit plays an increasingly important role in the Portuguese economy. Discover how to use it in a planned and conscious way to ensure financial stability.
João Parreiral
7 min
Mortgage
February 6, 2026

Storm Kristin: State and bank support

Storm Kristin hit Portugal at the end of January 2026. Discover the State and bank support announced at that time and how you could benefit from them.
Carolina Francisco
7 min
Mortgage
January 22, 2026

Housing Package 2026

The Government launched the Housing Package 2026 with relevant measures for tenants, landlords, and buyers. Discover how these changes can impact your life and your mortgage decisions.
Diogo Ferreira
5 min
Mortgage
January 8, 2026

Euribor rises in 2026

The year 2026 started with less positive news for those who have a house payment to make with a mortgage indexed to the 3 and 6-month Euribor.
Carolina Francisco
6 min
Insurance
November 12, 2025

Health insurance is to be taken out while you're healthy

Yes, you read that right! Contrary to what people usually think, the sooner you take out health insurance, the greater the benefits for you. Take a look!
Carolina Francisco
7 min

What do you need?

Choose your goal and see how we can help
  1. Buy a home
    We compare the offers from the banks we work with for your specific caseLearn more
  2. Transfer your Mortgage
    We compare your monthly payment with the offers from the banks we work withLearn more
  3. Car or motorbike
    Credit for your car or motorbike, new or usedLearn more
  4. Combine credits
    Combine all your credits into a single monthly payment, easier to manageLearn more
  5. Home improvements and other projects
    Credit for home improvements, education or the project you have in mindLearn more
  6. Life Insurance
    Protect your family and compare the insurance on your credit with offers from other insurers, with the same coverageLearn more
  7. Reduce your electricity and fuel bills
    We compare the electricity and gas tariffs from the providers we work with and handle the switch for you, if you authorize itLearn more
  8. Is your situation different?Talk to CrediSegur and a manager will help simplify it.

Stay up to date with all the news

Get tips on how to save on credit, insurance, and energy.