Portuguese Phrase
Depende do tipo de empréstimo.
Meaning
Literally ‘It depends on the type of loan.’ The sentence is used to qualify a statement by indicating that the answer varies according to which kind of loan is being discussed, such as personal, mortgage, or payroll‑linked credit.
When to use
Use this phrase when you are talking about financial products, interest rates, eligibility criteria, or repayment conditions and you need to stress that the answer changes with the loan category.
✦Grammar Breakdown
Dependedotipodeempréstimo
Depender (verb)
Third‑person singular present of the verb depender, meaning ‘to depend’. It requires the preposition ‘de’ after it.
do (contraction)
Contraction of the preposition ‘de’ + masculine definite article ‘o’. Used before a masculine singular noun.
tipo (noun)
Means ‘type’ or ‘kind’; it is a masculine noun, so it takes the article ‘o’ in the contraction ‘do’.
de (preposition)
Introduces a complement; here it links ‘tipo’ with the specific kind of loan.
empréstimo (noun)
Means ‘loan’; a masculine noun that follows the preposition ‘de’.
🗨In Conversation
Qual é a taxa de juros para esse crédito?
What is the interest rate for this credit?
Depende do tipo de empréstimo.
It depends on the type of loan.
✕Common Mistakes
Depende de tipo de empréstimo.
After ‘depende’, you must use the preposition ‘de’ followed by the article ‘o’ (do) because ‘tipo’ is masculine singular.
Depende do tipo empréstimo.
Do not omit the article; saying ‘Depende do tipo empréstimo’ is ungrammatical.
Depende do tipo de loan.
Avoid using the English loan word ‘loan’; keep the Portuguese ‘empréstimo’ for natural phrasing.
↔Alternatives
Depende do tipo de crédito.
It depends on the type of credit.
Depende da modalidade de empréstimo.
It depends on the loan modality.
Depende da categoria do empréstimo.
It depends on the loan category.
Cultural Tip
In Brazil, banks distinguish several loan categories – ‘empréstimo pessoal’, ‘empréstimo consignado’, ‘empréstimo imobiliário’, etc. When you hear ‘Depende do tipo de empréstimo’, the speaker is usually referring to differences in interest rates, required guarantees, or repayment periods that are specific to each category. The phrase is common in bank branches, financial advice columns, and informal conversations about money.