Portability: moving your mortgage to another bank

If you already have a real estate financing, portability is the right to transfer the debt to another bank that offers better conditions, such as lower interest. The new bank pays off your contract at the old bank and you start paying it instead, keeping the same property as collateral.

What the rule says

• The portability of credit operations, including real estate credit, is regulated by the National Monetary Council (CMN Resolution 5,057/2022, which revoked 4,292/2013);
• The Central Bank keeps a frequently asked questions page about real estate credit portability;
• The new bank is not required to accept: it reviews your registration and the property before proposing new conditions;
• You can ask your current bank for the contract information to compare proposals.

When it is worth evaluating

• When market interest rates have fallen since you signed;
• When another bank offers a lower installment or total cost;
• Always comparing the total effective cost, not just the advertised rate.

How Tecbank helps

We help you gather the current contract data, simulate conditions at other banks and follow the analysis. The decision to accept portability always belongs to the proposing bank - we do not promise approval or guaranteed savings.

Official references: Central Bank - Real estate credit portability FAQ · CMN Resolution 5,057/2022. Accessed in October 2026.