{"id":2857,"date":"2022-11-11T12:02:39","date_gmt":"2022-11-11T12:02:39","guid":{"rendered":"https:\/\/loures.dsicredito.pt\/?p=263"},"modified":"2023-12-27T19:39:04","modified_gmt":"2023-12-27T18:39:04","slug":"era-uma-vez-a-euribor","status":"publish","type":"post","link":"https:\/\/lvlconsulting.pt\/en\/era-uma-vez-a-euribor\/","title":{"rendered":"Era uma vez a Euribor"},"content":{"rendered":"<p>A Euribor foi criada juntamente com o Euro, a <strong><em>1 de janeiro de 1999<\/em><\/strong>, sendo que a primeira taxa foi definida em <strong><em>30 de dezembro de 1998<\/em><\/strong>, com validade a partir de 4 de janeiro de 1999.<\/p>\n\n\n\n<p>Esta taxa \u00e9 calculada diariamente pela European Banking Federation (EBF) e publicada pela Reuters. A sua divulga\u00e7\u00e3o acontece \u00e0s 11:00 horas (hora Central Europeia, e \u00e9 rapidamente difundida pela imprensa. \u00c9 muito utilizado como taxa de refer\u00eancia para os empr\u00e9stimos banc\u00e1rios.<\/p>\n\n\n\n<p>Qual \u00e9 a rela\u00e7\u00e3o da Euribor com o Cr\u00e9dito Habita\u00e7\u00e3o?<\/p>\n\n\n\n<p>A pr\u00e1tica corrente em Portugal das Institui\u00e7\u00f5es que cedem cr\u00e9dito habita\u00e7\u00e3o, \u00e9 praticar-se dois tipos de taxas: fixa e vari\u00e1vel.<\/p>\n\n\n\n<p>&nbsp;&#8211; \u00c9 na taxa vari\u00e1vel que entra a Euribor, uma vez que esta taxa est\u00e1 indexada \u00e0 mesma e funciona em conjunto com o spread, formando assim a taxa de juro do cr\u00e9dito que vai pagar.<\/p>\n\n\n\n<p>Quem e o qu\u00ea define os valores destas taxas?<\/p>\n\n\n\n<p>N\u00e3o \u00e9 o Banco de Portugal, nem outro qualquer banco Portugu\u00eas. Esta \u00e9 uma taxa de refer\u00eancia que reflete o que os bancos da Uni\u00e3o Europeia cobram para emprestarem dinheiro entre si sem garantias, atrav\u00e9s de um painel composto por bancos espec\u00edficos.&nbsp;<\/p>\n\n\n\n<p>As taxas Euribor costumam acompanhar os movimentos das chamadas taxas de refer\u00eancia, que s\u00e3o determinadas pelo Banco Central Europeu. E, nesta altura, com a subida da infla\u00e7\u00e3o na Zona Euro, o BCE deve agir, subindo os juros.<\/p>\n\n\n\n<p>Quais os valores m\u00e1ximos da Euribor?<\/p>\n\n\n\n<p>Para quem n\u00e3o se recorda, em 2000 e 2008 os valores da Euribor chegaram aos m\u00e1ximos de 5% e como <em>\u201cN\u00e3o h\u00e1 bem que sempre dure, nem mal que nunca acabe\u201d, <\/em>no ano de 2015, as taxas bateram valores m\u00ednimos nunca antes imaginados. &nbsp;<\/p>\n\n\n\n<p>Ent\u00e3o e o que posso fazer?<\/p>\n\n\n\n<p>Se tem inten\u00e7\u00e3o de contratar um cr\u00e9dito habita\u00e7\u00e3o, poder\u00e1 sempre pedir a an\u00e1lise de viabilidade em taxa fixa podendo escolher o prazo em que quer que ela se mantenha, podendo ser inclu\u00edda a taxa Vari\u00e1vel em determinado momento da vida do cr\u00e9dito.<\/p>\n\n\n\n<p>Outras formas de Poupar, \u00e9 a possibilidade que tem em o seu cr\u00e9dito atual, pedindo uma revis\u00e3o de spread, transfer\u00eancia de cr\u00e9dito e revis\u00e3o dos seguros de vida.<\/p>\n\n\n\n<p>Leia tamb\u00e9m o nosso artigo, <a href=\"https:\/\/lvlconsulting.pt\/en\/poupar-rima-com-economizar-e-nos-vamos-ajudar\/\" data-type=\"post\" data-id=\"2856\">Poupar rima com Economizar<\/a><\/p>\n\n\n\n<p><strong><em>Nota: as informa\u00e7\u00f5es sobre a evolu\u00e7\u00e3o Euribor tiveram como fonte https:\/\/www.euribor-rates.eu\/pt\/<\/em><\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>A Euribor foi criada juntamente com o Euro, a 1 de janeiro de 1999, sendo que a primeira taxa foi definida em 30 de dezembro de 1998, com validade a partir de 4 de janeiro de 1999. Esta taxa \u00e9 calculada diariamente pela European Banking Federation (EBF) e publicada pela Reuters. A sua divulga\u00e7\u00e3o acontece [&hellip;]<\/p>","protected":false},"author":1,"featured_media":2888,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[13,14,15,16],"class_list":["post-2857","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito","tag-credito","tag-credito-habitacao","tag-euribor","tag-spread"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Era uma vez a Euribor - LVL Consulting<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lvlconsulting.pt\/en\/era-uma-vez-a-euribor\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Era uma vez a Euribor - LVL Consulting\" \/>\n<meta property=\"og:description\" content=\"A Euribor foi criada juntamente com o Euro, a 1 de janeiro de 1999, sendo que a primeira taxa foi definida em 30 de dezembro de 1998, com validade a partir de 4 de janeiro de 1999. 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