Precautions to take when using digital channels … limit indicated. Security procedures to be adopted by institutions Institutions should have reliable, resilient and secure … adopt the best national and international safety practices. Institutions should: implement, monitor and regularly review … Financial literacy Digital channels
What they are and the various schemes … cannot exceed €450,000. The State guarantee aims to allow institutions to finance an amount between 85% and 100% … before the goods of customers and guarantors are executed. Institutions are not required to grant credit , even if … housing credit scheme for persons with disabilities. Institutions are not obliged to grant loans under this … Loans Home loans
How to enter into a consumer credit agreement … The SIS is drawn up by credit institutions and has to be made available to customers even … plan, in which the instalment system is not constant, the institutions must provide customers with the financial plan … of the agreement During the term of the agreement, credit institutions should periodically provide their customers … Loans Consumer credit
Banco de Portugal’s presentation on consumer credit supervision at the industry’s main European convention … Eurofinas, the European association representing financial institutions specialised in consumer credit. The convention … Eurofinas, the European association representing financial institutions specialised in consumer credit. The convention … European consumer credit industry vis-à-vis the European institutions and other international bodies. It produces … News Consumer credit
Price lists … expenses include information on the charges levied by the institutions on the products and services they market. This … and expenses leaflets sent to Banco de Portugal by credit institutions, in accordance with the Notice No. 8/2009 of … leaflets are the responsibility of the respective credit institutions. … Services
What they are and types of deposits … Portuguese only) Decree-Law No 138/86 (in Portuguese only) Institutions that receive deposits Materials on deposits … that can only be carried out in Portugal by credit institutions registered with Banco de Portugal. As a rule, … and respective deposit accounts that it provides; credit institutions and the customer must agree not only on the … Deposits
Bank Customer Support Network … bank customers in analysing proposals presented by credit institutions under the pre-arrears action plan (PRAP) and … work with bank customers when negotiating with the credit institutions on the proposals presented under PRAP and OASP; … assessment. These entities may not: Interact with credit institutions as representatives or on behalf of bank … Loans Arrears
Bank Customer Website … – bank deposits, credits and payment instruments; List of institutions authorised to carry out the various banking … Evolution of new consumer credit; Price lists of credit institutions; Fees charged by credit institutions for payment accounts; Pre-contractual … About the Website
Personal identification documents … facilitates communication between private individuals and institutions of the banking system, allowing the prevention … to mere collaboration between private individuals and the institutions involved. Ultimately, the responsibility for … decision on the procedure to be adopted falls upon these institutions. Under no circumstances may Banco de Portugal … Services
Interest rates in home loans … In the period in which the variable rate applies, credit institutions may not revise the value of the reference rate … of that rate can only be revised every 3 months. Credit institutions should also: Ensure that the reference rate … In the period in which the variable rate applies, credit institutions may not revise the value of the reference rate … Loans Home loans