The consolidated credit or credit consolidation is a financing solution available to you,
which allows you to replace all your current credits with a single financing operation,
replacing several monthly installments with one.
WHY PUT YOUR CREDITS TOGETHER?
To be able to pay less, since the average interest rate that is applied is lower;
To have smoother monthly installments, because, by increasing the repayment period, you will be able to pay lower installments per month.
How can One Key help you to reduce the monthly payment on your credits?
One Key finds the best credit solution for those who want to consolidate their credits into one.
The One Key team will bring together the outstanding amounts from the various credits made at different credit institutions, into a single contract formalized at the selected credit institution. This way you will only pay one monthly installment, only to one credit institution, only on a certain date.
Does the consolidated credit simulation imply any commitment?
No, the simulation can be done without any commitment and at no cost.
You will only make a new commitment when signing the new credit agreement with the financing entity.
Advantages and benefits of consolidated credit
Consolidated credit can be good support for reorganizing your treasury.
What are the steps to follow to have your credit consolidated?
1. Access the Banco de Portugal website, with your access details to the finance portal and consult your map of credit responsibilities.
2. In the credit responsibilities map you will find detailed information about all credits in your name, the amount remaining to be settled and the respective settlement dates;
3. After calculating the total value of your credits, carry out a consolidated credit simulation;
4. Consult the contractual documents of your loans, or request One Key’s support to identify possible costs with early loan repayment;
5.Fill in all the data in the credit simulator – value, term and characteristics of the consolidated credit;
6. Then, submit your credit application or, alternatively, request our contact;
7. Use the total amount of credit you need to pay your current credits.
8. If you decide to proceed, fill in the information requested on the credit form and One Key will submit the financing request to one of the partner financial entities;
9. In case of approval, One Key will monitor the contractual formalization process.
10. The approved average interest rate allows you to save on the monthly installment and at the end of the loan!
NECESSARY DOCUMENTS
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Trabalhador por conta de Outrém |
ENI (Profissional Liberal) |
Empresa |
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| Comprovativo de Identificação dos titulares do contrato Cartão do Cidadão ou Bilhete de Identidade + Cartão de Contribuinte |
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| Comprovativo de Residência Apenas um dos documentos Última fatura de Água, Luz, Gás, Telefone ou Serviço de TV |
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| Comprovativo IBAN nominativo de um dos titulares do contrato
Apenas um dos documentos |
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| Últimos três recibos de vencimento dos titulares do contrato | |
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| Último Modelo 3 do IRS ou Código de validação de Entrega | |
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| Modelo 22 do último ano | |
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