> ## Documentation Index > Fetch the complete documentation index at: https://docs.guito.pt/llms.txt > Use this file to discover all available pages before exploring further. # Credits > Mortgages, personal loans, car loans and other credit. This page shows you how to record a credit in guito, track its outstanding balance, save a private note, and keep it up to date. Every credit you add is subtracted from your net worth, so the overview reflects your real net position. Managing credits is part of the Plus plan. ## Add a credit In the sidebar, click **Credits**. Click **Add** to record a new loan. * **Type**: mortgage, personal loan, car loan, and others. * **Amount**: total loan amount. * **Interest rate**: annual rate. Choose fixed, variable (indexed to Euribor) or mixed. * **Term**: duration in months. * **Start date**: the date the loan was taken out. * **Amortization**: French (constant instalment) or German (constant principal, decreasing instalment). Confirm to save the credit. The outstanding balance of each credit is subtracted from your total net worth in the [overview](/en/features/net-worth-overview). ## Add notes to a credit You can save a personal note on a credit, for example to remember contract terms or your account manager's contact. When you add a credit, or edit an existing one, open its dialog. In the **Notes** field, write what you want to remember. Confirm. The note shows in the **Notes** section of the credit's page. ## Link a credit to a property or vehicle When you add a mortgage, you can link it to a property you track; a car loan can be linked to a vehicle. Once linked, the asset's detail page shows a financing breakdown: loan-to-value (LTV), your equity, the down payment, and the financed amount. ## Keep a credit up to date Open a credit from the Credits page to manage it over time. From its detail page you can: * Record payments and instalments. * Simulate early repayments. * Change the interest rate (renegotiation) by editing the credit. * View the full amortization schedule. ## Match instalments to bank transactions To have each instalment linked to the bank transaction that paid it, [connect the account](/en/features/bank-sync) you pay from through automatic sync. guito then links matching instalments silently, with no suggestions to confirm. A link is created only when there is a single clear candidate: amount within ±2%, date within ±2 business days, and the same payee as previous instalments. To undo a link, open the bank transaction and unlink it. The payee is then excluded so the match is not repeated. ## Track instalments alongside other commitments Credits appear on the [**Recurring**](/en/features/recurring) page as their own section. The monthly instalment counts as a recurring commitment, next to your other recurring expenses. ## Related pages See how the outstanding balance of your credits reduces your net worth. Manage the accounts you pay instalments from. Connect your accounts to match instalments automatically. Link a mortgage to a property and see its LTV and equity.