Simulador Crédito Habitação
Android app by SimHabitação. Finance · SimHabitação
- Store rating
- Unknown
- Store rating count
- Unknown
- Download price
- Free to download
- In-app purchases
- Not listed in captured metadata
- Version
- 2
- Listing last refreshed
- 2026-09-15
View the original store listing
Store description excerpt
This simulation is for informational purposes only. It does not constitute financial advice or a loan offer. Always confirm the conditions in the FINE (European Standardized Information Sheet) and the bank's offer. Free tool to simulate and compare mortgage loans in Portugal. Calculations are performed on your mobile phone; the app only retrieves bank spreads and the Euribor published by the European Central Bank. Main Simulator • Comparison between the main Portuguese banks, with updated spreads and real-time Euribor • Normal loan and youth loan (≤35 years) options, according to the Bank of Portugal rules • Variable, mixed or fixed rate; 3, 6 and 12-month Euribor indexes • Monthly payment, APR, APRC and total cost of credit calculated by bank • Dedicated views: comparison, insurance (life and multi-risk), initial costs, viability (DSTI), Euribor and amortization scenarios Included Tools • How Much Can I Borrow? • Maximum capital based on income, DSTI and rate • Credit Transfer — compares banks to switch your current loan • Home Purchase Costs — IMT (Property Transfer Tax), stamp duty, registrations and deed • Am I Ready to Apply for a Loan? — process checklist • Early Repayments — impact of amortizing capital over the term • Buy vs Rent — financial comparison between the two options • Property Profitability — return for investment or rental • IMI (Municipal Property Tax) Simulator — estimate by municipality • Euribor Stress Test — sensitivity of the installment to Euribor increases • Euribor and Spread History — evolution over 3, 6 and 12 months Works offline After the first opening, all calculators continue to work offline, with the latest spreads and Euribor downloaded. No ads, no account, no payments No registration required. The app does not show advertising and does not sell data. Guide and Glossary Explanation of the mortgage loan process and glossary of terms — APR, spread, total cost of credit, DSTI, LTV, FINE — integrated into the app.
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