Crédito habitação

At a press conference on 6 November, PSD's Hugo Soares and CDS-PP's Paulo Núncio presented 40 OE2027 amendments worth about €60 million. The housing measures: extend the public first-home credit guarantee, today limited to buyers up to 35, to young people who build their own home on the same conditions; suspend the early-repayment commission on fixed-rate mortgages for 2027; align IRC benefits for residential rental with those applied under IRS; and raise funding for municipal affordable-cost housing and for parish-level housing and student residences (€44 million for the parish increase, the largest single item).

The monthly averages that set the next round of mortgage revisions came in at 2.635% for 3 months (unchanged on September), 2.975% for 6 months (up 0.053 points) and 3.239% for 12 months (down 0.008 points), published 30 October. Day rates in the first week of November were mixed, with 3 and 12 months easing and 6 months rising.

Speaking around CGD's results presentation in Lisbon on 5 November, chief executive Paulo Macedo said the bank has lent over €1.6 billion to construction companies, up 22% year on year, and that the shortage — which he put at around 300,000 homes — will not be solved in one legislative term; he also argued rent freezes would keep homes off the market and called for the 25,000 PRR-funded homes to be finished. BPI's João Pedro Oliveira e Costa pressed for industrialised construction, incentives and faster approvals, and BCP's Miguel Maya said the bank has reoriented its property development unit towards moderately priced homes for middle and lower-middle income households.