Banco de Portugal · Central Bank
Credit Responsibilities Report
Understand the Banco de Portugal report, request it and distinguish outstanding debt from potential commitments.
What it is used for
Review recorded loans before applying for finance.
Check guarantees and possible reporting errors.
Compare the report with your lender’s documents.
Fictional practical example
Someone repays a loan before a new application. They check the report’s period and ask the lender when repayment will appear, rather than assuming an older report already reflects it.
More about this document
What it is
The Mapa de Responsabilidades de Crédito contains information lenders report to Banco de Portugal’s Central Credit Register. It covers loans, guarantees and other credit commitments for a reference period. It is not a live statement of today’s payments. Outstanding debt and potential commitments must be read separately.
Collection with PedirDocumentos
With your authorisation, we retrieve this document from the authority’s portal and add it to the other documents in your request. You can track the request and view the result on the platform.
Get documentPoints to check and differences
The report does not approve a loan. Ask the institution that reported an error to correct it.
Frequently asked questions
Is this only a list of overdue loans?
No. It also includes loans paid on time and potential commitments.
Is a potential amount already owed?
No. An amount shown as potential is not yet an actual debt. It can become a debt if you use that credit or are required to pay as a guarantor.
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