[et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.16″ custom_margin=”-125px|||||” custom_padding=”0px|||||” custom_width_px__hover=”1080px” custom_width_px__hover_enabled=”1080px” custom_width_percent__hover=”80%” custom_width_percent__hover_enabled=”80%” global_colors_info=”{}” make_fullwidth__hover=”off” make_fullwidth__hover_enabled=”off” use_custom_width__hover=”off” use_custom_width__hover_enabled=”off” width_unit__hover=”on” width_unit__hover_enabled=”on”][et_pb_row _builder_version=”4.16″ use_custom_width=”on” custom_width_px=”1280px” custom_width_px__hover=”1080px” custom_width_px__hover_enabled=”1080px” custom_width_percent__hover=”80%” custom_width_percent__hover_enabled=”80%” global_colors_info=”{}” make_fullwidth__hover=”off” make_fullwidth__hover_enabled=”off” use_custom_width__hover=”off” use_custom_width__hover_enabled=”off” width_unit__hover=”on” width_unit__hover_enabled=”on”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}” padding_tablet=”30px||10px” padding_last_edited=”on|tablet” padding_phone=”30px||10px”][et_pb_text _builder_version=”4.16″ _dynamic_attributes=”content” _module_preset=”e598b17a-9229-42f6-b238-019d6094332e” header_font=”Vidaloka||||||||” header_text_color=”#161616″ header_font_size=”60px” header_line_height=”1.15em” width=”80%” custom_margin=”||0px||false|false” header_font_size_tablet=”40px” header_font_size_phone=”24px” header_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IjxoMT4iLCJhZnRlciI6IjwvaDE+In19@[\/et_pb_text][et_pb_image src=”http:\/\/flavialedesma.com\/wp-content\/uploads\/2026\/06\/pexels-jakubzerdzicki-29726512-scaled.jpg” title_text=”pexels-jakubzerdzicki-29726512″ _builder_version=”4.27.6″ _module_preset=”default” min_height=”503.1px” custom_margin=”-360px|-55px|1px|-131px||” custom_padding=”|0px|0px|0px||” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” min_height=”217.2px” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Como Funciona o Cr\u00e9dito Habita\u00e7\u00e3o em Portugal?” _builder_version=”4.27.6″ _module_preset=”default” custom_padding=”27px|||||” global_colors_info=”{}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” width=”100%” global_colors_info=”{}”]<\/p>\n
Para muitas pessoas, comprar casa sem recorrer a financiamento banc\u00e1rio n\u00e3o \u00e9 uma op\u00e7\u00e3o. \u00c9 precisamente por isso que o cr\u00e9dito habita\u00e7\u00e3o desempenha um papel t\u00e3o importante no processo de compra de um im\u00f3vel em Portugal.<\/span><\/p>\n No entanto, entre taxas de juro, entrada inicial, prazos e aprova\u00e7\u00f5es banc\u00e1rias, \u00e9 normal surgirem d\u00favidas.<\/span><\/p>\n Neste artigo explico, de forma simples, como funciona o cr\u00e9dito habita\u00e7\u00e3o e quais os principais aspetos a considerar antes de avan\u00e7ar.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Content” module_id=”content” _builder_version=”4.16″ custom_margin=”-20px|||||” custom_width_px__hover=”1080px” custom_width_px__hover_enabled=”1080px” custom_width_percent__hover=”80%” custom_width_percent__hover_enabled=”80%” global_colors_info=”{}” make_fullwidth__hover=”off” make_fullwidth__hover_enabled=”off” use_custom_width__hover=”off” use_custom_width__hover_enabled=”off” width_unit__hover=”on” width_unit__hover_enabled=”on”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.16″ use_custom_width=”on” custom_width_px=”1280px” custom_width_px__hover=”1080px” custom_width_px__hover_enabled=”1080px” custom_width_percent__hover=”80%” custom_width_percent__hover_enabled=”80%” global_colors_info=”{}” use_custom_width__hover=”off” use_custom_width__hover_enabled=”off” width_unit__hover=”on” width_unit__hover_enabled=”on” make_fullwidth__hover=”off” make_fullwidth__hover_enabled=”off”][et_pb_column type=”2_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”http:\/\/flavialedesma.com\/wp-content\/uploads\/2026\/06\/pexels-kindelmedia-7579130-scaled.jpg” title_text=”pexels-kindelmedia-7579130″ _builder_version=”4.27.6″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”003e9429-8e11-4d9e-968b-8881092bbf81″ header_2_font=”Vidaloka||||||||” header_2_text_color=”#161616″ header_2_font_size=”40px” header_2_line_height=”1.35em” header_2_font_size_tablet=”30px” header_2_font_size_phone=”20px” header_2_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.6″ _module_preset=”7262e956-c376-4aa6-9642-c413f71527d0″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”13px” text_font_size_last_edited=”on|phone” header_font_size_tablet=”55px” header_font_size_last_edited=”off|desktop” global_colors_info=”{}”]<\/p>\n O cr\u00e9dito habita\u00e7\u00e3o \u00e9 um empr\u00e9stimo concedido por uma institui\u00e7\u00e3o banc\u00e1ria para financiar a compra de um im\u00f3vel.<\/span><\/p>\n O comprador recebe o financiamento necess\u00e1rio para a aquisi\u00e7\u00e3o e compromete-se a devolver esse valor ao banco ao longo de um per\u00edodo previamente definido, atrav\u00e9s de presta\u00e7\u00f5es mensais.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_2,1_4″ _builder_version=”4.27.6″ _module_preset=”default” min_height=”229.4px” custom_margin=”22px|auto|-7px|auto||” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider _builder_version=”4.27.6″ _module_preset=”default” custom_margin=”||135px|||” global_colors_info=”{}”][\/et_pb_divider][et_pb_divider _builder_version=”4.27.6″ _module_preset=”default” custom_margin=”||-1px|||” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” custom_margin=”-3px|||||” custom_padding=”10px||28px|||” global_colors_info=”{}”]<\/p>\n Antes de pedir cr\u00e9dito habita\u00e7\u00e3o:<\/strong> [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider _builder_version=”4.27.6″ _module_preset=”default” custom_margin=”||135px|||” global_colors_info=”{}”][\/et_pb_divider][et_pb_divider _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.16″ use_custom_width=”on” custom_width_px=”1280px” custom_width_px__hover=”1080px” custom_width_px__hover_enabled=”1080px” custom_width_percent__hover=”80%” custom_width_percent__hover_enabled=”80%” global_colors_info=”{}” use_custom_width__hover=”off” use_custom_width__hover_enabled=”off” width_unit__hover=”on” width_unit__hover_enabled=”on” make_fullwidth__hover=”off” make_fullwidth__hover_enabled=”off”][et_pb_column type=”2_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”http:\/\/flavialedesma.com\/wp-content\/uploads\/2026\/06\/pexels-ivan-s-7993392.jpg” title_text=”pexels-ivan-s-7993392″ _builder_version=”4.27.6″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”7262e956-c376-4aa6-9642-c413f71527d0″ text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”13px” text_font_size_last_edited=”on|phone” header_font_size_tablet=”55px” header_font_size_last_edited=”off|desktop” global_colors_info=”{}”]<\/p>\n Tanto cidad\u00e3os portugueses como cidad\u00e3os estrangeiros podem solicitar cr\u00e9dito habita\u00e7\u00e3o em Portugal.<\/span><\/p>\n A aprova\u00e7\u00e3o depender\u00e1 de v\u00e1rios fatores, incluindo:<\/span><\/p>\n Cada banco possui crit\u00e9rios pr\u00f3prios de avalia\u00e7\u00e3o.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Na maioria das situa\u00e7\u00f5es, os bancos n\u00e3o financiam a totalidade do valor do im\u00f3vel.<\/span><\/p>\n Por isso, o comprador dever\u00e1 dispor de capitais pr\u00f3prios para suportar a parte n\u00e3o financiada e os custos associados \u00e0 compra.<\/span><\/p>\n A percentagem financiada pode variar consoante o perfil do cliente e o tipo de im\u00f3vel.<\/span><\/p>\n A taxa de esfor\u00e7o representa a percentagem do rendimento mensal destinada ao pagamento de cr\u00e9ditos.<\/span><\/p>\n Os bancos analisam este indicador para avaliar se o cliente ter\u00e1 capacidade financeira para suportar a nova presta\u00e7\u00e3o.<\/span><\/p>\n Quanto mais equilibrada for a taxa de esfor\u00e7o, maiores tendem a ser as possibilidades de aprova\u00e7\u00e3o.<\/span><\/p>\n Embora possa existir alguma varia\u00e7\u00e3o entre institui\u00e7\u00f5es financeiras, normalmente s\u00e3o solicitados documentos como:<\/span><\/p>\n Em determinadas situa\u00e7\u00f5es, poder\u00e3o ser pedidos documentos adicionais.<\/span><\/p>\n A pr\u00e9-aprova\u00e7\u00e3o permite saber, antes de escolher um im\u00f3vel, qual poder\u00e1 ser a capacidade de financiamento.<\/span><\/p>\n Esta etapa apresenta v\u00e1rias vantagens:<\/span><\/p>\n Por isso, \u00e9 frequentemente um dos primeiros passos recomendados antes de iniciar a procura de casa.<\/span><\/p>\n Um dos aspetos mais importantes do cr\u00e9dito habita\u00e7\u00e3o \u00e9 o tipo de taxa escolhida.<\/span><\/p>\n A presta\u00e7\u00e3o acompanha a evolu\u00e7\u00e3o dos indexantes de mercado.<\/span><\/p>\n Pode subir ou descer ao longo do tempo.<\/span><\/p>\n A presta\u00e7\u00e3o mant\u00e9m-se est\u00e1vel durante o per\u00edodo acordado.<\/span><\/p>\n Oferece maior previsibilidade financeira.<\/span><\/p>\n Combina um per\u00edodo inicial com taxa fixa e uma fase posterior com taxa vari\u00e1vel.<\/span><\/p>\n A solu\u00e7\u00e3o mais adequada depender\u00e1 sempre dos objetivos e da situa\u00e7\u00e3o financeira de cada comprador.<\/span><\/p>\n Ap\u00f3s a sele\u00e7\u00e3o do im\u00f3vel, o banco inicia as etapas finais de an\u00e1lise.<\/span><\/p>\n Entre elas encontram-se:<\/span><\/p>\n Um perito independente avalia o im\u00f3vel para determinar o seu valor de mercado.<\/span><\/p>\n O banco analisa toda a documenta\u00e7\u00e3o e confirma as condi\u00e7\u00f5es do financiamento.<\/span><\/p>\n Depois da aprova\u00e7\u00e3o, s\u00e3o preparados os documentos necess\u00e1rios para a formaliza\u00e7\u00e3o do cr\u00e9dito.<\/span><\/p>\n Al\u00e9m da presta\u00e7\u00e3o mensal, podem existir outros custos relacionados com o financiamento.<\/span><\/p>\n Entre os mais comuns encontram-se:<\/span><\/p>\n Por esse motivo, \u00e9 importante analisar o custo global da opera\u00e7\u00e3o e n\u00e3o apenas a presta\u00e7\u00e3o mensal.<\/span><\/p>\n Ao comparar propostas banc\u00e1rias, \u00e9 importante n\u00e3o olhar apenas para a taxa de juro.<\/span><\/p>\n Alguns fatores relevantes incluem:<\/span><\/p>\n Uma an\u00e1lise completa permite tomar uma decis\u00e3o mais informada e adequada aos seus objetivos.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.6″ _module_preset=”default” custom_padding=”7px|||||” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”http:\/\/flavialedesma.com\/wp-content\/uploads\/2026\/06\/pexels-silverkblack-36813424-scaled.jpg” title_text=”pexels-silverkblack-36813424″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n <\/span><\/p>\n O cr\u00e9dito habita\u00e7\u00e3o \u00e9 uma ferramenta que permite transformar o objetivo de comprar casa numa realidade.<\/span><\/p>\n No entanto, escolher a solu\u00e7\u00e3o certa exige planeamento, informa\u00e7\u00e3o e uma an\u00e1lise cuidadosa das diferentes op\u00e7\u00f5es dispon\u00edveis.<\/span><\/p>\n Compreender o funcionamento do financiamento desde o in\u00edcio ajuda a evitar surpresas e a tomar decis\u00f5es mais seguras ao longo de todo o processo de compra.<\/span><\/p>\n Se est\u00e1 a pensar comprar casa no Porto ou em Portugal e gostaria de compreender melhor as op\u00e7\u00f5es de financiamento dispon\u00edveis para o seu caso, terei todo o gosto em ajud\u00e1-lo a analisar o processo e a preparar os pr\u00f3ximos passos.<\/span><\/p>\n [\/et_pb_text][et_pb_button button_text=”Agendar uma conversa” _builder_version=”4.27.6″ _module_preset=”cefaa07f-9636-40fe-a939-2a0ccdc332c6″ button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#e506bc” button_border_width=”0px” button_font=”Vidaloka||||||||” button_use_icon=”off” custom_padding=”10px||10px||true|false” button_text_size_tablet=”17px” button_text_size_phone=”16px” button_text_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Author” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_post_nav prev_text=”Previous Post” next_text=”Next Post” _builder_version=”4.16″ _module_preset=”default” title_font=”|700|||||||” title_text_color=”#E09900″ global_colors_info=”{}”][\/et_pb_post_nav][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”|20px||20px|false|true” border_width_all=”1px” border_color_all=”#E09900″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9hdXRob3IiLCJzZXR0aW5ncyI6eyJiZWZvcmUiOiJXcml0dGVuIGJ5ICIsImFmdGVyIjoiIiwibmFtZV9mb3JtYXQiOiJkaXNwbGF5X25hbWUiLCJsaW5rIjoib2ZmIiwibGlua19kZXN0aW5hdGlvbiI6ImF1dGhvcl9hcmNoaXZlIn19@” image=”http:\/\/flavialedesma.com\/wp-content\/uploads\/2026\/06\/imagemZOME-53.png” image_icon_width=”100px” content_max_width=”100%” _builder_version=”4.27.6″ _dynamic_attributes=”title,content” _module_preset=”default” header_font=”Vidaloka||||||||” text_orientation=”center” module_alignment=”center” border_radii_image=”on|100px|100px|100px|100px” image_max_width=”100px” global_colors_info=”{}”]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9hdXRob3JfYmlvIiwic2V0dGluZ3MiOnsiYmVmb3JlIjoiIiwiYWZ0ZXIiOiIifX0=@[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Related Posts” _builder_version=”4.16″ custom_padding=”0|0px|54px|0px|false|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ use_custom_width=”on” custom_width_px=”1280px” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.6″ _module_preset=”003e9429-8e11-4d9e-968b-8881092bbf81″ header_2_font=”Vidaloka||||||||” header_2_text_color=”#161616″ header_2_font_size=”40px” header_2_line_height=”1.35em” header_2_font_size_tablet=”30px” header_2_font_size_phone=”20px” header_2_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_2,1_4″ _builder_version=”4.16″ use_custom_width=”on” custom_width_px=”1280px” custom_width_px__hover=”1080px” custom_width_px__hover_enabled=”1080px” custom_width_percent__hover=”80%” custom_width_percent__hover_enabled=”80%” global_colors_info=”{}” make_fullwidth__hover=”off” make_fullwidth__hover_enabled=”off” use_custom_width__hover=”off” use_custom_width__hover_enabled=”off” width_unit__hover=”on” width_unit__hover_enabled=”on”][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blog posts_number=”1″ include_categories=”7″ show_more=”on” show_author=”off” show_categories=”off” show_pagination=”off” _builder_version=”4.27.6″ header_level=”h4″ header_font=”Vidaloka||||||||” header_text_color=”#161616″ header_line_height=”1.4em” body_line_height=”1.8em” meta_font=”|600|||||||” meta_text_color=”#E2C29D” meta_font_size=”12px” meta_line_height=”1.8em” read_more_font=”Vidaloka||||on||||” read_more_text_color=”#161616″ read_more_font_size=”16px” read_more_line_height=”1.8em” custom_padding=”|||0px||” border_width_all=”0px” global_colors_info=”{}” body_letter_spacing__hover=”0px” body_letter_spacing__hover_enabled=”0px” body_text_shadow_style__hover=”none” body_text_shadow_style__hover_enabled=”none” body_text_shadow_color__hover=”rgba(0,0,0,0.4)” body_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” border_radii__hover=”on||||” border_radii__hover_enabled=”on||||” border_radii_fullwidth__hover=”on||||” border_radii_fullwidth__hover_enabled=”on||||”][\/et_pb_blog][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blog posts_number=”1″ include_categories=”4″ show_more=”on” show_author=”off” show_categories=”off” show_pagination=”off” _builder_version=”4.27.6″ header_level=”h4″ header_font=”Vidaloka||||||||” header_text_color=”#161616″ header_line_height=”1.4em” body_line_height=”1.8em” meta_font=”|600|||||||” meta_text_color=”#E2C29D” meta_font_size=”12px” meta_line_height=”1.8em” read_more_font=”Vidaloka||||on||||” read_more_text_color=”#161616″ read_more_font_size=”16px” read_more_line_height=”1.8em” custom_padding=”|||0px||” border_width_all=”0px” locked=”off” global_colors_info=”{}” body_letter_spacing__hover=”0px” body_letter_spacing__hover_enabled=”0px” body_text_shadow_style__hover=”none” body_text_shadow_style__hover_enabled=”none” body_text_shadow_color__hover=”rgba(0,0,0,0.4)” body_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” border_radii__hover=”on||||” border_radii__hover_enabled=”on||||” border_radii_fullwidth__hover=”on||||” border_radii_fullwidth__hover_enabled=”on||||”][\/et_pb_blog][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blog posts_number=”1″ include_categories=”6″ show_more=”on” show_author=”off” show_categories=”off” show_pagination=”off” _builder_version=”4.27.6″ header_level=”h4″ header_font=”Vidaloka||||||||” header_text_color=”#161616″ header_line_height=”1.4em” body_line_height=”1.8em” meta_font=”|600|||||||” meta_text_color=”#E2C29D” meta_font_size=”12px” meta_line_height=”1.8em” read_more_font=”Vidaloka||||on||||” read_more_text_color=”#161616″ read_more_font_size=”16px” read_more_line_height=”1.8em” custom_padding=”|||0px||” border_width_all=”0px” locked=”off” global_colors_info=”{}” body_letter_spacing__hover=”0px” body_letter_spacing__hover_enabled=”0px” body_text_shadow_style__hover=”none” body_text_shadow_style__hover_enabled=”none” body_text_shadow_color__hover=”rgba(0,0,0,0.4)” body_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” border_radii__hover=”on||||” border_radii__hover_enabled=”on||||” border_radii_fullwidth__hover=”on||||” border_radii_fullwidth__hover_enabled=”on||||”][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Comments” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ use_custom_width=”on” custom_width_px=”1280px” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.6″ _dynamic_attributes=”content” _module_preset=”003e9429-8e11-4d9e-968b-8881092bbf81″ header_2_font=”Vidaloka||||||||” header_2_text_color=”#161616″ header_2_font_size=”40px” header_2_line_height=”1.35em” header_2_font_size_tablet=”30px” header_2_font_size_phone=”20px” header_2_font_size_last_edited=”on|desktop” global_colors_info=”{}”]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9jb21tZW50X2NvdW50Iiwic2V0dGluZ3MiOnsiYmVmb3JlIjoiPGgyPiIsImFmdGVyIjoiIENvbWVudFx1MDBlMXJpb3MgPC9oMj4iLCJsaW5rX3RvX2NvbW1lbnRzX3BhZ2UiOiJvZmYifX0=@[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”20px|||” custom_padding_tablet=”0px||” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” padding_tablet=”0px||” padding_last_edited=”on|tablet” custom_padding__hover=”|||” padding_phone=”0px||”][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ use_custom_width=”on” custom_width_px=”1280px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_comments show_avatar=”off” show_count=”off” _builder_version=”4.16″ form_field_background_color=”RGBA(0,0,0,0)” form_field_text_color=”#161616″ header_level=”h4″ header_font=”Work Sans|700|||||||” header_font_size=”18px” header_line_height=”1.4em” title_font=”Vidaloka||||||||” form_field_font_size=”16px” form_field_line_height=”1.8em” custom_button=”on” button_text_size=”16px” button_text_color=”#161616″ button_bg_color=”#e3e1dd” button_border_width=”0px” button_border_radius=”0px” button_font=”Vidaloka||||||||” button_custom_padding=”10px|24px|10px|24px|true|true” button_text_size_tablet=”17px” button_text_size_phone=”16px” button_text_size_last_edited=”on|desktop” border_radii_fields=”on|0px|0px|0px|0px” border_width_all_fields=”1px” border_color_all_fields=”#E3E1DD” form_background_color=”rgba(26,10,56,0.03)” global_colors_info=”{%22gcid-70e8f1e6-78eb-4f52-a811-0c9b614afdc2%22:%91%93}” button_bg_color__hover_enabled=”off|hover”][\/et_pb_comments][et_pb_post_title title=”off” featured_image=”off” _builder_version=”4.27.6″ _module_preset=”default” text_orientation=”right” text_orientation_tablet=”left” text_orientation_phone=”” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Footer” _builder_version=”4.16″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”a18ce65f-9be7-4e23-bde2-4ef70bab3165″ header_font=”Vidaloka|||on|||||” header_text_align=”center” header_4_font=”Vidaloka||||||||” header_4_text_color=”#161616″ header_4_font_size=”24px” header_4_line_height=”1.5em” header_5_font=”Vidaloka||||||||” header_5_text_align=”center” header_5_text_color=”#161616″ header_5_font_size=”50px” header_5_line_height=”1.2em” custom_padding=”11px||||false|false” header_4_font_size_tablet=”20px” header_4_font_size_phone=”18px” header_4_font_size_last_edited=”on|phone” header_5_font_size_tablet=”35px” header_5_font_size_phone=”22px” header_5_font_size_last_edited=”on|desktop” border_color_all=”rgba(22,22,22,0.11)” border_width_top=”1px” border_width_bottom=”1px” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_menu menu_style=”centered” dropdown_menu_line_color=”#161616″ cart_icon_color=”#161616″ search_icon_color=”#161616″ menu_icon_color=”#161616″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_menu][et_pb_signup mailchimp_list=”elegantthemestest|1ea2bbd026″ first_name_field=”off” last_name_field=”off” _builder_version=”4.16″ _module_preset=”default” form_field_background_color=”#e3e1dd” form_field_text_color=”#161616″ form_field_font_size=”16px” form_field_line_height=”1.8em” use_background_color=”off” custom_button=”on” button_text_size=”16px” button_text_color=”#161616″ button_bg_color=”#e2c29d” button_border_width=”0px” button_border_radius=”0px” button_font=”Vidaloka||||||||” button_custom_padding=”15px|10px|15px|10px|true|true” max_width=”600px” module_alignment=”center” border_radii_fields=”on|0px|0px|0px|0px” locked=”off” global_colors_info=”{%22gcid-70e8f1e6-78eb-4f52-a811-0c9b614afdc2%22:%91%93}”][\/et_pb_signup][et_pb_social_media_follow icon_color=”#161616″ _builder_version=”4.16″ _module_preset=”default” text_orientation=”center” custom_margin_tablet=”-135px|0px||0px|false|false” custom_margin_phone=”-135px||||false|false” custom_margin_last_edited=”off|desktop” locked=”off” global_colors_info=”{}”][et_pb_social_media_follow_network social_network=”facebook” _builder_version=”4.16″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}” follow_button=”off” url_new_window=”on”]facebook[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”twitter” _builder_version=”4.16″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}” follow_button=”off” url_new_window=”on”]twitter[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”pinterest” _builder_version=”4.16″ _module_preset=”default” background_color=”#cb2027″ background_enable_color=”off” global_colors_info=”{}” follow_button=”off” url_new_window=”on”]pinterest[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”instagram” _builder_version=”4.16″ _module_preset=”default” background_color=”#ea2c59″ background_enable_color=”off” global_colors_info=”{}” follow_button=”off” url_new_window=”on”]instagram[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][et_pb_text _builder_version=”4.27.6″ _dynamic_attributes=”content” _module_preset=”default” header_4_line_height=”1.5em” text_orientation=”center” header_font_size_tablet=”55px” header_font_size_last_edited=”off|desktop” header_4_font_size_tablet=”” header_4_font_size_phone=”15px” header_4_font_size_last_edited=”on|tablet” global_colors_info=”{}”]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoiY3VycmVudF9kYXRlIiwic2V0dGluZ3MiOnsiYmVmb3JlIjoiQ29weXJpZ2h0IFx1MDBhOSAgIiwiYWZ0ZXIiOiIgLSBGbGF2aWEgTGVkZXNtYSIsImRhdGVfZm9ybWF0IjoiY3VzdG9tIiwiY3VzdG9tX2RhdGVfZm9ybWF0IjoiWSJ9fQ==@[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Para muitas pessoas, comprar casa sem recorrer a financiamento banc\u00e1rio n\u00e3o \u00e9 uma op\u00e7\u00e3o. \u00c9 precisamente por isso que o cr\u00e9dito habita\u00e7\u00e3o desempenha um papel t\u00e3o importante no processo de compra de um im\u00f3vel em Portugal. No entanto, entre taxas de juro, entrada inicial, prazos e aprova\u00e7\u00f5es banc\u00e1rias, \u00e9 normal surgirem d\u00favidas. Neste artigo explico, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[4,7],"tags":[],"class_list":["post-220","post","type-post","status-publish","format-standard","hentry","category-comprar-casa","category-financiamento-para-habitacao"],"yoast_head":"\nO que \u00e9 o Cr\u00e9dito Habita\u00e7\u00e3o?<\/h2>\n
\u2714 Conhe\u00e7a o seu or\u00e7amento real
\u2714 Obtenha uma pr\u00e9-aprova\u00e7\u00e3o
\u2714 Compare diferentes bancos
\u2714 Analise todos os custos associados
\u2714 N\u00e3o escolha apenas pela presta\u00e7\u00e3o mensal<\/p>\nQuem Pode Pedir Cr\u00e9dito Habita\u00e7\u00e3o?<\/h2>\n
\n
<\/h2>\n
Quanto Financia o Banco?<\/span><\/h2>\n
O que \u00e9 a Taxa de Esfor\u00e7o?<\/span><\/h2>\n
Quais os Documentos Normalmente Solicitados?<\/span><\/h2>\n
\n
O que \u00e9 a Pr\u00e9-Aprova\u00e7\u00e3o de Cr\u00e9dito?<\/span><\/h2>\n
\n
Taxa Fixa, Vari\u00e1vel ou Mista: Qual a Diferen\u00e7a?<\/span><\/h2>\n
Taxa Vari\u00e1vel<\/span><\/h3>\n
Taxa Fixa<\/span><\/h3>\n
Taxa Mista<\/span><\/h3>\n
O que Acontece Depois de Escolher o Im\u00f3vel?<\/span><\/h2>\n
Avalia\u00e7\u00e3o Banc\u00e1ria<\/span><\/h3>\n
Aprova\u00e7\u00e3o Final<\/span><\/h3>\n
Emiss\u00e3o da Documenta\u00e7\u00e3o Contratual<\/span><\/h3>\n
Que Custos Est\u00e3o Associados ao Cr\u00e9dito Habita\u00e7\u00e3o?<\/span><\/h2>\n
\n
Como Escolher a Melhor Proposta?<\/span><\/h2>\n
\n
Considera\u00e7\u00f5es Finais<\/span><\/h2>\n
Mais artigos relacionados<\/h2>\n
Flavia Ledesma<\/h5>\n