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saiba quanto vai receber de refoma
Finances, Financial Education, uncategorized

Find out how much you’ll get when you retire

12 de May, 2025

Have you thought about how much you’ll receive when you retire? Using the Social Security pension simulator can help you predict the value of your pension and better prepare for the future. In this article, we explain how it works, what you should take into account in the simulations and why it’s so important to start planning now.

Seguro e credito - soluções
Credit, Insurance

What does a Credit and Insurance Intermediary do?

21 de February, 2025

A credit and insurance intermediary provides free, personalized support in the search for credit and insurance solutions, and negotiates the best conditions on the market.

Credit, Finances, Financial Education

How to Reduce the Effort Rate on Home Loans and Improve Financial Health

21 de February, 2025

Reduce your effort rate on home loans and improve your financial health with practical tips such as renegotiating the loan, increasing the initial down payment and consolidating debts.

Mais-valias-financas-imoveis
Finances

Capital gains on property: find out if you are exempt or how much you have to pay

2 de December, 2024

Capital gains on property: find out if you are exempt or how much you have to pay

Mais-valias-financas-imoveis
Finances

Capital gains on real estate: find out if you are exempt or how much you have to pay

2 de December, 2024

Capital gains from real estate: find out if you are exempt or how much you have to pay In this article we explain what capital gains from the sale of real estate are, how to obtain exemption and calculate the tax payable.

DS-blog
Finances, uncategorized

State Budget 2025: What can families and businesses expect? 

15 de November, 2024

O Orçamento do Estado para 2025 (OE 2025) da AD apresenta uma série de medidas voltadas para a recuperação económica de Portugal. Tanto as famílias quanto as empresas serão impactadas, com destaque para benefícios fiscais e políticas que promovem o crescimento económico e o alívio financeiro. Medidas para as Famílias: Medidas para as empresas: Das […]

Finances, Financial Education, uncategorized


Do you know the difference between simple interest and compound interest?

30 de October, 2024

In this article we explain everything you need to know about interest earned on term deposits/investments. Interest is a fundamental component of personal finance and investments. Understanding the difference between simple and compound interest allows you to make more informed and profitable decisions, both in investments and loans. We’ll explain both types of interest and […]

Credit

Everything you need to know about Mortgage Credit

18 de October, 2024

Mortgage credit is one of the most common forms of financing for those looking to buy a property or secure a loan using an asset as collateral. This type of credit offers additional security for both the borrower and the bank, and can be used for a variety of purposes in addition to buying a […]

Credit

IMT and Stamp Duty exemptions for Young People: everything you need to know

1 de October, 2024

From 1 August 2024, young people up to the age of 35 who buy their first permanent home can benefit from exemption from IMT and Stamp Duty. The measure applies to properties up to 316,772 euros, and is partial for higher values up to 633,453 euros. This incentive aims to facilitate access to housing by […]

Financial Education

New changes to the IRS: Reduction of rates and updating of specific deductions

9 de September, 2024

Parliament recently approved a series of changes to the IRS, which have already been published in the Official Gazette. These changes, which include reductions in the rates of various brackets and the updating of specific deductions, aim to provide greater tax relief for taxpayers, especially those in the lowest and middle brackets. 1. Reduction of […]

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Recent Articles

  • saiba quanto vai receber de refoma
    Find out how much you’ll get when you retire
  • Seguro e credito - soluções
    What does a Credit and Insurance Intermediary do?
  • How to Reduce the Effort Rate on Home Loans and Improve Financial Health
  • Mais-valias-financas-imoveis
    Capital gains on property: find out if you are exempt or how much you have to pay
  • Mais-valias-financas-imoveis
    Capital gains on real estate: find out if you are exempt or how much you have to pay

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A DECISÃO ORDENADA, LDA. Intermediate of Linked Credit, with registration no. 0006056, authorized by the Bank of Portugal for the provision of consulting and authorized services for the provision of credit intermediation services (Presentation or proposal of credit contracts to consumers; Assistance to consumers, upon conducting preparatory acts or other work of pre-contractual management with respect to credit contracts that have not been presented by you or proposed). Credit contracts covered: Credit to Housing and Consumers Credit. Lenders or Groups of Lackings with Whom Retains Vining Contract: Bank Bpi S.A., Santander Totta Bank, S.A., General Box Of Deposits, S.A., New Bank, S.A., Banco Ctt, S.A., Bankinter, Sa – Sursal In Portugal Banca- , Sa, Branch In Portugal, Unicre – Credit Financial Institution, S.A., Union Of Inmobile Credits, S.A., Credit Financire Stablecimient (Sociedad Unipersonal) – Sursal In Portugal, Sa. Stool – International Bnis Bank (Europe), S.A., Cofidis., Bank Primus, Sa., 321 Credit Financial Institution Of Credit S.A., Bnp Paribas Personal Finance, S.A. – Branch In Portugal., Sicam – Central Box AND Mutual Agricultural Credit Boxes, verifiable information in https://www.bportugal.pt/intermediariocreditofar/decisao-ordenada-lda.
DS SEGUROS is a brand of the company Decisões e Soluções – Intermediários de crédito Lda, which has been a registered intermediary since 2009. The company is enrolled with ASF with Insurance Agent category, under No. 409311648/3, with permission for Branches Life and Non-Life, verifiable at: www.asf.com. Insurance broker does not take risk coverage.

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