{"id":4128,"date":"2026-06-01T16:12:50","date_gmt":"2026-06-01T15:12:50","guid":{"rendered":"https:\/\/trust-investments.pt\/?p=4128"},"modified":"2026-06-01T16:12:50","modified_gmt":"2026-06-01T15:12:50","slug":"what-does-it-mean-to-transfer-a-mortgage-loan-trust-mortage-2","status":"publish","type":"post","link":"https:\/\/trust-investments.pt\/en\/2026\/06\/01\/what-does-it-mean-to-transfer-a-mortgage-loan-trust-mortage-2\/","title":{"rendered":"What does it mean to transfer a mortgage loan? Trust Mortage"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4128\" class=\"elementor elementor-4128 elementor-4116\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4485d92c e-flex e-con-boxed e-con e-parent\" data-id=\"4485d92c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-784adb48 elementor-widget elementor-widget-text-editor\" data-id=\"784adb48\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>What does it mean to transfer a mortgage loan?<br>This is an operation in which you pay off (pay off) the amount owed to your current bank and take out a new mortgage loan with another institution (or even with the same bank, under a new proposal) to continue paying for the property.<br>This new contract may involve better conditions with regard to a lower spread, a different fixed or mixed rate or a different term.<br>According to the Bank of Portugal, you can do so at any time (at any stage of the contract) as long as you communicate correctly and legally.<br>However, you must bear in mind some conditions and costs that you may have to bear.<br>In this scenario, pay attention to a few factors:<br\/>The old bank may charge a fee for full or partial early repayment (when settling before the deadline or transferring the debt).<br>For variable rate loans, the maximum allowed is 0.5% of the repaid capital. <br>For fixed rate loans, the maximum allowed is 2% of the repaid capital.<br>Please note that, for certain cases of permanent home ownership with a variable rate, this commission may be exempt until 31 December 2025.<br>Talk to Trust, we&#8217;ll help you with a simulation, and after evaluating the best options on the market, we&#8217;ll support you through every stage of the process. <br>Our work is completely free off charge for you.<\/p><p>+351 914 464 444 (WhatsApp)<br\/>(Call to national mobile network)<\/p><p>info@trust-investments.pt<\/p><p>Linked Mortagge Brokers BdP 8274<\/p><p>#trustCredit #HousingCredit #CreditTransfer #trustFinancing <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c40c76 e-flex e-con-boxed e-con e-parent\" data-id=\"1c40c76\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What does it mean to transfer a mortgage loan?This is an operation in which you pay off (pay off) the amount owed to your current bank and take out a new mortgage loan with another institution (or even with the same bank, under a new proposal) to continue paying for the property.This new contract may involve better conditions with regard [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":4096,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1007],"tags":[296,1351,471,365],"class_list":["post-4128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-mortgage-en","tag-mortgage-simulation-at-no-cost","tag-transfer-your-house-mortgage","tag-trust-mortgage"],"_links":{"self":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts\/4128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/comments?post=4128"}],"version-history":[{"count":3,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts\/4128\/revisions"}],"predecessor-version":[{"id":4131,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts\/4128\/revisions\/4131"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/media\/4096"}],"wp:attachment":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/media?parent=4128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/categories?post=4128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/tags?post=4128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}