{"id":9242,"date":"2025-01-02T19:09:33","date_gmt":"2025-01-02T19:09:33","guid":{"rendered":"https:\/\/dsicreditoloures.pt\/?p=9242"},"modified":"2025-01-02T19:44:10","modified_gmt":"2025-01-02T19:44:10","slug":"crescimento-do-papel-dos-intermediarios-no-credito-habitacao-uma-visao-global-com-foco-em-portugal-franca-e-luxemburgo","status":"publish","type":"post","link":"https:\/\/dsicreditoloures.pt\/en\/crescimento-do-papel-dos-intermediarios-no-credito-habitacao-uma-visao-global-com-foco-em-portugal-franca-e-luxemburgo\/","title":{"rendered":"Growth of the Role of Intermediaries in Mortgage Credit: A Global Perspective with Emphasis on Portugal, France, and Luxembourg\u2019s Mortgage Markets."},"content":{"rendered":"<p class=\"wp-block-paragraph\">Credit intermediation has become a central component in the mortgage credit market, particularly in Portugal, where the majority of housing contracts pass through the hands of these professionals. This phenomenon, while growing locally, also reflects global trends in strong economies such as France, Luxembourg, the United Kingdom, the United States, and Germany. Each country has specific characteristics that influence the role and impact of intermediaries in the real estate sector.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Portuguese Context<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In Portugal, credit intermediaries have been gaining increasing relevance in the mortgage credit market. Currently, about <strong>70% to 90% of mortgage loans<\/strong> of the major banks, mortgage loans are contracted through these professionals. This phenomenon is due to factors such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The <strong>complexity of financial products<\/strong>, which makes it difficult to choose advantageous solutions without specialized assistance.<\/li>\n\n\n\n<li>The ability of intermediaries to negotiate <strong>customized and competitive conditions<\/strong> with financial institutions.<\/li>\n\n\n\n<li>The demand for services that <strong>save time and simplify processes<\/strong>, especially in the case of young buyers.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Intermediaries have become essential consultants, acting as facilitators for consumers and banks in a sector facing challenges such as rising interest rates and increased regulation by the Bank of Portugal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>France: The Growing Role of \"Courtiers\"<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In France, credit intermediaries, known as <strong>courtiers<\/strong>, play a prominent role in the real estate market:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>More than 40% of mortgage loans<\/strong> in France are contracted with the help of intermediaries, a number that continues to grow as consumers seek to simplify access to financing.<\/li>\n\n\n\n<li>The <strong>grandes grupos de corretagem<\/strong>, como CAFPI e Meilleurtaux, dominam o mercado, combinando consultoria presencial com plataformas digitais que permitem simula\u00e7\u00f5es e pr\u00e9-aprova\u00e7\u00f5es r\u00e1pidas.<\/li>\n\n\n\n<li>A regulamenta\u00e7\u00e3o, gerida pela <strong>Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution (ACPR)<\/strong>, \u00e9 rigorosa, garantindo confian\u00e7a no servi\u00e7o prestado e prote\u00e7\u00e3o aos consumidores.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The French market stands out for the combination of <strong>specialized advisory<\/strong> and <strong>the use of technology<\/strong>, offering a balance that appeals to both young buyers and more experienced investors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Luxembourg: An Exclusive and Specialized Market<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Luxembourg, known for its economic stability and high standard of living, has unique characteristics in the credit intermediation sector:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Specialized Intermediaries<\/strong> have a significant presence, especially in housing credit solutions for expatriates, who make up a large part of the country's active population.<\/li>\n\n\n\n<li>The <strong>multinational nature of the market<\/strong> makes the role of intermediaries crucial, helping consumers navigate the complex financial and legal requirements, often distinct for non-residents.<\/li>\n\n\n\n<li>Luxembourg intermediaries stand out for offering <strong>customized solutions<\/strong> high-value credit solutions, focusing on clients seeking to finance luxury properties.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Although digitalization is not as advanced as in countries like France or the United Kingdom, attention to detail and a customer-focused approach differentiate the sector in Luxembourg.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Comparison with Other Strong Economies<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>United Kingdom<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The United Kingdom is one of the most mature markets for credit intermediaries. More than <strong>of mortgage loan contracts<\/strong> go through <strong>mortgage advisers<\/strong>, thanks to the strong value placed on personalized consulting. Additionally:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Digitalization plays a significant role, with online platforms complementing the work of intermediaries.<\/li>\n\n\n\n<li>The regulation of the <strong>Financial Conduct Authority (FCA)<\/strong> promotes quality and transparency in the service provided.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>United States of America<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the USA, the <strong>mortgage brokers<\/strong> They remain relevant but face direct competition from digital platforms like Rocket Mortgage, which allow clients to manage the credit process independently. Despite this, brokers still dominate more complex financing cases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Final Considerations: Portugal in the Global Landscape<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The growth of the role of credit intermediaries in Portugal reflects global changes in the mortgage credit market. Countries like France and Luxembourg show complementary approaches, combining personalized consulting and technological innovation to meet the needs of diversified markets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While consumers in Portugal continue to value proximity and personalized support, the future of this sector will depend on the ability to adapt to new demands, including increased digitalization and the offering of innovative services.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are considering using a credit intermediary or want to explore the best conditions for your mortgage loan, schedule a meeting with our team now, <a href=\"https:\/\/dsicreditoloures.pt\/en\/contactos\/\">https:\/\/dsicreditoloures.pt\/en\/contactos\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>A intermedia\u00e7\u00e3o de cr\u00e9dito tem-se tornado uma pe\u00e7a central no mercado de cr\u00e9dito habita\u00e7\u00e3o, particularmente em Portugal, onde a maioria dos contratos habitacionais passa pelas m\u00e3os destes profissionais. Este fen\u00f3meno, embora em crescimento local, reflete tamb\u00e9m tend\u00eancias globais em economias fortes como Fran\u00e7a, Luxemburgo, Reino Unido, Estados Unidos e Alemanha. Cada pa\u00eds apresenta particularidades que [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9243,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74],"tags":[109,75,76,103,105,108,80,106],"class_list":["post-9242","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito","tag-courtier","tag-credito","tag-credito-habitacao","tag-creditohabitacao","tag-habitacao","tag-mortgage","tag-transferencia","tag-transferenciadecredito"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Crescimento do Papel dos Intermedi\u00e1rios no Cr\u00e9dito Habita\u00e7\u00e3o: Uma Vis\u00e3o Global com Foco em Portugal, Fran\u00e7a e Luxemburgo - DS INTERMEDI\u00c1RIOS DE CR\u00c9DITO LOURES<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dsicreditoloures.pt\/en\/crescimento-do-papel-dos-intermediarios-no-credito-habitacao-uma-visao-global-com-foco-em-portugal-franca-e-luxemburgo\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Crescimento do Papel dos Intermedi\u00e1rios no Cr\u00e9dito Habita\u00e7\u00e3o: Uma Vis\u00e3o Global com Foco em Portugal, Fran\u00e7a e Luxemburgo - DS INTERMEDI\u00c1RIOS DE CR\u00c9DITO LOURES\" \/>\n<meta property=\"og:description\" content=\"A intermedia\u00e7\u00e3o de cr\u00e9dito tem-se tornado uma pe\u00e7a central no mercado de cr\u00e9dito habita\u00e7\u00e3o, particularmente em Portugal, onde a maioria dos contratos habitacionais passa pelas m\u00e3os destes profissionais. Este fen\u00f3meno, embora em crescimento local, reflete tamb\u00e9m tend\u00eancias globais em economias fortes como Fran\u00e7a, Luxemburgo, Reino Unido, Estados Unidos e Alemanha. Cada pa\u00eds apresenta particularidades que [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dsicreditoloures.pt\/en\/crescimento-do-papel-dos-intermediarios-no-credito-habitacao-uma-visao-global-com-foco-em-portugal-franca-e-luxemburgo\/\" \/>\n<meta property=\"og:site_name\" content=\"DS INTERMEDI\u00c1RIOS DE CR\u00c9DITO LOURES\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/DSICLOURES\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-02T19:09:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-02T19:44:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/dsicreditoloures.pt\/wp-content\/uploads\/2025\/01\/piclumen-1735844593238.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1152\" \/>\n\t<meta property=\"og:image:height\" content=\"896\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"DSI Loures\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"DSI Loures\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Crescimento do Papel dos Intermedi\u00e1rios no Cr\u00e9dito Habita\u00e7\u00e3o: Uma Vis\u00e3o Global com Foco em Portugal, Fran\u00e7a e Luxemburgo - DS INTERMEDI\u00c1RIOS DE CR\u00c9DITO LOURES","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/dsicreditoloures.pt\/en\/crescimento-do-papel-dos-intermediarios-no-credito-habitacao-uma-visao-global-com-foco-em-portugal-franca-e-luxemburgo\/","og_locale":"en_GB","og_type":"article","og_title":"Crescimento do Papel dos Intermedi\u00e1rios no Cr\u00e9dito Habita\u00e7\u00e3o: Uma Vis\u00e3o Global com Foco em Portugal, Fran\u00e7a e Luxemburgo - DS INTERMEDI\u00c1RIOS DE CR\u00c9DITO LOURES","og_description":"A intermedia\u00e7\u00e3o de cr\u00e9dito tem-se tornado uma pe\u00e7a central no mercado de cr\u00e9dito habita\u00e7\u00e3o, particularmente em Portugal, onde a maioria dos contratos habitacionais passa pelas m\u00e3os destes profissionais. Este fen\u00f3meno, embora em crescimento local, reflete tamb\u00e9m tend\u00eancias globais em economias fortes como Fran\u00e7a, Luxemburgo, Reino Unido, Estados Unidos e Alemanha. 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