{"id":449,"date":"2023-01-31T16:50:12","date_gmt":"2023-01-31T16:50:12","guid":{"rendered":"https:\/\/loures.dsicredito.pt\/?p=449"},"modified":"2023-12-27T19:35:17","modified_gmt":"2023-12-27T18:35:17","slug":"transferir-ou-nao-transferir-o-meu-credito-habitacao-eis-a-questao","status":"publish","type":"post","link":"https:\/\/lvlconsulting.pt\/en\/transferir-ou-nao-transferir-o-meu-credito-habitacao-eis-a-questao\/","title":{"rendered":"Transferir ou n\u00e3o Transferir o meu Cr\u00e9dito Habita\u00e7\u00e3o? Eis a quest\u00e3o!"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"449\" class=\"elementor elementor-449\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79b9625 e-flex e-con-boxed e-con e-parent\" data-id=\"79b9625\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6443df1f elementor-widget elementor-widget-text-editor\" data-id=\"6443df1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Nos \u00faltimos meses as d\u00favidas das fam\u00edlias em transferir o seu cr\u00e9dito \u00e0 habita\u00e7\u00e3o, t\u00eam sido muitas. Uns por desconhecerem o processo em si, outros por medo de ir para um Banco\/Institui\u00e7\u00e3o financeira com quem nunca tiveram rela\u00e7\u00e3o financeira, outros porque desconhecem o que t\u00eam contratado no seu Cr\u00e9dito Habita\u00e7\u00e3o e outros por falta de tempo.<\/p>\n<p>Todos os motivos totalmente v\u00e1lidos.<\/p>\n<p>Por isso existimos n\u00f3s! Intermedi\u00e1rios de Cr\u00e9ditos que estando habilitados e certificados, temos o conhecimento, experi\u00eancia e o tempo para fazer esse trabalho pelas fam\u00edlias, sem que isso se transforme em mais uma despesa\/encargo financeiro para as fam\u00edlias.<\/p>\n<p>Quase que nos poderiam intitular, como os Anjos da Guarda da Poupan\u00e7a \ud83d\ude0a<\/p>\n<p>Respondendo \u00e0 quest\u00e3o, sobre se deve ou n\u00e3o transferir o seu Cr\u00e9dito Habita\u00e7\u00e3o, a resposta \u00e9, DEPENDE!<\/p>\n<p>O primeiro passo \u00e9 avaliar:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Montante em d\u00edvida;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Spread;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Prazo;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Seguros de Vida e Multi-riscos associados;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Outros cr\u00e9ditos ativos<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Exemplo de poupan\u00e7a:<\/p>\n<div class=\"wp-block-columns\">\n<p><\/p>\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis: 100%;\">\n<p><\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td colspan=\"7\">\n<pre><strong>ANTES DA TRANSFER\u00caNCIA<\/strong><\/pre>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<pre>CR\u00c9DITO HABITA\u00c7\u00c3O<\/pre>\n<\/td>\n<td>\n<pre>Valor \nem \nDivida<\/pre>\n<\/td>\n<td>\n<pre>180 243,83 \u20ac<\/pre>\n<\/td>\n<td>\n<pre>PRESTA\u00c7\u00c3O\/M<\/pre>\n<\/td>\n<td>\n<pre>729,65 \u20ac<\/pre>\n<\/td>\n<td>\n<pre>PRAZO<\/pre>\n<\/td>\n<td>\n<pre>38 anos, 2 meses, e 23 dias<\/pre>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<pre>CR\u00c9DITO PESSOAL<\/pre>\n<\/td>\n<td>\n<pre>Valor \nem \nDivida<\/pre>\n<\/td>\n<td>\n<pre>31 559,11 \u20ac<\/pre>\n<\/td>\n<td>\n<pre>PRESTA\u00c7\u00c3O\/M<\/pre>\n<\/td>\n<td>\n<pre>532,43 \u20ac<\/pre>\n<\/td>\n<td>\n<pre>PRAZO<\/pre>\n<\/td>\n<td>\n<pre>6 anos, 9 meses, e 0 dias<\/pre>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<pre>CART\u00d5ES DE CR\u00c9DITO<\/pre>\n<\/td>\n<td>\n<pre>Valor \nem \nDivida<\/pre>\n<\/td>\n<td>\n<pre>2 413,36 \u20ac<\/pre>\n<\/td>\n<td>\n<pre>PRESTA\u00c7\u00c3O\/M<\/pre>\n<\/td>\n<td>\n<pre>201,11 \u20ac<\/pre>\n<\/td>\n<td>\n<pre>PRAZO<\/pre>\n<\/td>\n<td>\n<pre>N\u00e3o aplic\u00e1vel<\/pre>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<pre>Total<\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre><strong>214 216,30\u20ac<\/strong><\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre><strong>1 463,19\u20ac<\/strong><\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"7\">\n<pre><strong>DEPOIS DA TRANSFER\u00caNCIA<\/strong><\/pre>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<pre>CR\u00c9DITO HABITA\u00c7\u00c3O<\/pre>\n<\/td>\n<td>\n<pre>Valor \nem \nDivida<\/pre>\n<\/td>\n<td>\n<pre>149 563,00 \u20ac<\/pre>\n<\/td>\n<td>\n<pre>PRESTA\u00c7\u00c3O\/M<\/pre>\n<\/td>\n<td>\n<pre>649,05 \u20ac<\/pre>\n<\/td>\n<td>\n<pre>PRAZO<\/pre>\n<\/td>\n<td>\n<pre>33 anos e 7 meses<\/pre>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<pre>CONSOLIDADO<\/pre>\n<\/td>\n<td>\n<pre>Valor \nem \nDivida<\/pre>\n<\/td>\n<td>\n<pre>63 614,00 \u20ac<\/pre>\n<\/td>\n<td>\n<pre>PRESTA\u00c7\u00c3O\/M<\/pre>\n<\/td>\n<td>\n<pre>316,66 \u20ac<\/pre>\n<\/td>\n<td>\n<pre>PRAZO<\/pre>\n<\/td>\n<td>\n<pre>33 anos e 7 meses<\/pre>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<pre>Total<\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre><strong>213 177,00\u20ac<\/strong><\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre><strong>965,71\u20ac<\/strong><\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<pre><strong> POUPAN\u00c7A TOTAL<\/strong><\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre><strong>1 039,30\u20ac<\/strong><\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre><strong>497,48\u20ac<\/strong><\/pre>\n<\/td>\n<td>\n<pre>\u00a0<\/pre>\n<\/td>\n<td>\n<pre>Menos 5 anos<\/pre>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><\/p>\n<\/div>\n<p><\/p>\n<\/div>\n<p><!-- \/wp:columns --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Para al\u00e9m do exemplo acima, existem outros fatores positivos que v\u00e3o al\u00e9m da redu\u00e7\u00e3o do Spread. S\u00e3o eles:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><span style=\"font-family: var(--theme-font-family); font-size: var(--theme-font-size); font-style: var(--theme-font-style, inherit); font-weight: var(--theme-font-weight); letter-spacing: var(--theme-letter-spacing); text-transform: var(--theme-text-transform); background-color: transparent; color: var(--theme-text-color);\">A redu\u00e7\u00e3o do valor dos seguros obrigat\u00f3rios transferindo as ap\u00f3lices para outra entidade;<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><span style=\"font-family: var(--theme-font-family); font-size: var(--theme-font-size); font-style: var(--theme-font-style, inherit); font-weight: var(--theme-font-weight); letter-spacing: var(--theme-letter-spacing); text-transform: var(--theme-text-transform); background-color: transparent; color: var(--theme-text-color);\">Remo\u00e7\u00e3o de produtos associados ao contrato;<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><span style=\"font-family: var(--theme-font-family); font-size: var(--theme-font-size); font-style: var(--theme-font-style, inherit); font-weight: var(--theme-font-weight); letter-spacing: var(--theme-letter-spacing); text-transform: var(--theme-text-transform); background-color: transparent; color: var(--theme-text-color);\">Altera\u00e7\u00e3o da maturidade do contrato, podendo ser estendido ou reduzido;<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><span style=\"font-family: var(--theme-font-family); font-size: var(--theme-font-size); font-style: var(--theme-font-style, inherit); font-weight: var(--theme-font-weight); letter-spacing: var(--theme-letter-spacing); text-transform: var(--theme-text-transform); background-color: transparent; color: var(--theme-text-color);\">Nova avalia\u00e7\u00e3o do im\u00f3vel revela uma valoriza\u00e7\u00e3o do pre\u00e7o da sua casa;<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><span style=\"font-family: var(--theme-font-family); font-size: var(--theme-font-size); font-style: var(--theme-font-style, inherit); font-weight: var(--theme-font-weight); letter-spacing: var(--theme-letter-spacing); text-transform: var(--theme-text-transform); background-color: transparent; color: var(--theme-text-color);\">Altera\u00e7\u00e3o do tipo de taxa (Fixa\/Vari\u00e1vel);<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Tudo isto \u00e9 poss\u00edvel, de ser feito sem que tenha qualquer custo e sem que tenha de perder tempo entre Bancos.<\/p>\n<p>Poupar tempo e dinheiro nos dias de hoje \u00e9 um luxo, e para o ajudar existimos n\u00f3s, os Intermedi\u00e1rios de Cr\u00e9dito.<br \/><br \/><\/p>\n<p>Quer rever as condi\u00e7\u00f5es do seu cr\u00e9dito?<br \/>Please contact us<img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-medium wp-image-451\" src=\"https:\/\/loures.dsicredito.pt\/wp-content\/uploads\/2023\/01\/transferir-203x300.png\" alt=\"\" width=\"203\" height=\"300\" \/><\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Nos \u00faltimos meses as d\u00favidas das fam\u00edlias em transferir o seu cr\u00e9dito \u00e0 habita\u00e7\u00e3o, t\u00eam sido muitas. Uns por desconhecerem o processo em si, outros por medo de ir para um Banco\/Institui\u00e7\u00e3o financeira com quem nunca tiveram rela\u00e7\u00e3o financeira, outros porque desconhecem o que t\u00eam contratado no seu Cr\u00e9dito Habita\u00e7\u00e3o e outros por falta de [&hellip;]<\/p>","protected":false},"author":1,"featured_media":2882,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[13,14,15,19],"class_list":["post-449","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito","tag-credito","tag-credito-habitacao","tag-euribor","tag-transferencia"],"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>Transferir ou n\u00e3o Transferir o meu Cr\u00e9dito Habita\u00e7\u00e3o? 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Uns por desconhecerem o processo em si, outros por medo de ir para um Banco\/Institui\u00e7\u00e3o financeira com quem nunca tiveram rela\u00e7\u00e3o financeira, outros porque desconhecem o que t\u00eam contratado no seu Cr\u00e9dito Habita\u00e7\u00e3o e outros por falta de [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lvlconsulting.pt\/en\/transferir-ou-nao-transferir-o-meu-credito-habitacao-eis-a-questao\/\" \/>\n<meta property=\"og:site_name\" content=\"LVL Consulting\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-31T16:50:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-27T18:35:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lvlconsulting.pt\/wp-content\/uploads\/2023\/01\/e1675183629627-203x300-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"203\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"LVL Consulting\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"LVL Consulting\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/lvlconsulting.pt\/en\/transferir-ou-nao-transferir-o-meu-credito-habitacao-eis-a-questao\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/lvlconsulting.pt\/en\/transferir-ou-nao-transferir-o-meu-credito-habitacao-eis-a-questao\/\"},\"author\":{\"name\":\"LVL Consulting\",\"@id\":\"https:\/\/lvlconsulting.pt\/en\/#\/schema\/person\/a01a0f048f87ac4dc3dd15505c8e819e\"},\"headline\":\"Transferir ou n\u00e3o Transferir o meu Cr\u00e9dito Habita\u00e7\u00e3o? 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