{"id":7951,"date":"2024-04-11T16:19:51","date_gmt":"2024-04-11T16:19:51","guid":{"rendered":"https:\/\/www.amplitudeseguros.com\/?p=7951"},"modified":"2024-04-11T16:19:51","modified_gmt":"2024-04-11T16:19:51","slug":"estrategias-para-baixar-a-prestacao-do-credito-da-casa","status":"publish","type":"post","link":"https:\/\/www.amplitudeseguros.com\/en\/estrategias-para-baixar-a-prestacao-do-credito-da-casa\/","title":{"rendered":"Estrat\u00e9gias para baixar a presta\u00e7\u00e3o do cr\u00e9dito da casa"},"content":{"rendered":"

Confira todas as estrat\u00e9gias de baixar a presta\u00e7\u00e3o do cr\u00e9dito da casa<\/strong><\/h4>\n

O in\u00edcio deste ano trouxe finalmente uma evolu\u00e7\u00e3o ben\u00e9fica para os detentores de cr\u00e9ditos habita\u00e7\u00e3o nas taxas Euribor, mas logo em fevereiro tal descida foi interrompida nos prazos mais longos. No contexto mais previs\u00edvel, os mercados financeiros est\u00e3o a adiar os primeiros\u00a0cortes dos juros do Banco Central Europeu\u00a0para junho\/julho<\/strong>, altura em que \u00e9 esperada uma maior\u00a0descida da Euribor\u00a0<\/strong>e, por conseguinte, das presta\u00e7\u00f5es da casa.<\/p>\n

O que tamb\u00e9m se continua a observar no nosso pa\u00eds, \u00e9 que as fam\u00edlias continuam a aderir a estrat\u00e9gias que permitem reduzir a despesa mensal com o\u00a0cr\u00e9dito habita\u00e7\u00e3o, nomeadamente ades\u00e3o expressiva aos v\u00e1rios apoios p\u00fablicos que foram disponibilizados, como o caso da\u00a0bonifica\u00e7\u00e3o dos juros\u00a0e da\u00a0fixa\u00e7\u00e3o da presta\u00e7\u00e3o da casa\u00a0durante dois anos, bem como utiliza\u00e7\u00e3o das 5 estrat\u00e9gias seguintes<\/strong>:<\/p>\n

1 . Se tem algumas poupan\u00e7as juntas, pondere us\u00e1-las para amortizar a d\u00edvida <\/strong><\/h5>\n

A menos que essas poupan\u00e7as estejam aplicadas em investimentos com rentabilidade superior ao juro do cr\u00e9dito habita\u00e7\u00e3o, ser\u00e1 sempre decis\u00e3o acertada: N\u00e3o se esque\u00e7a que a presta\u00e7\u00e3o mensal que paga \u00e9 sobretudo uma taxa de juro sobre o capital em d\u00edvida e este ao baixar ter\u00e1 sempre grande impacto. O Governo obrigou os bancos, pelo menos at\u00e9 31 de dezembro de 2024<\/strong>, a n\u00e3o cobrarem encargos adicionais pelas amortiza\u00e7\u00f5es, para os contratos indexados \u00e0 taxa vari\u00e1vel ou taxa mista no per\u00edodo de taxa vari\u00e1vel<\/p>\n

2 . Negociar com o banco o alargamento do prazo do contrato de cr\u00e9dito <\/strong><\/h5>\n

No acumulado total da vida do contrato pode sair mais caro, mas esta dilui\u00e7\u00e3o pode significar a esperan\u00e7a no equil\u00edbrio das contas familiares, sobretudo para fam\u00edlias mais jovens. E deve prever antecipadamente com o banco a possibilidade de, assim que atinja uma situa\u00e7\u00e3o mais desafogada, poder reverter para o prazo inicial.<\/p>\n

3 . Tentar renegociar o spread, no seu banco ou na concorr\u00eancia <\/strong><\/h5>\n

If you have spreads above 1%, it's worth trying to trade. Note that spreads have been falling significantly over the last decade.<\/p>\n

If the best spread you can get is at a different bank to your current one, take into account costs such as: the commission for opening the file, the property valuation, formalising the new contract, the new deed and all the associated taxes, as well as what kind of consideration the bank is asking for, such as debit and credit cards, financial products and more. insurance policies<\/strong>.<\/p>\n

\"\"<\/p>\n

4 . Compensa quase sempre <\/strong>realizar os seguros exigidos fora do banco<\/strong><\/h5>\n

Those who take out a mortgage often choose to take out the multi-risk and life insurance offered by the bank in exchange for a lower spread. But beware:<\/p>\n

YOU MUST ASK THE BANK (at the time of contracting or at any time during the contract) FOR A CALCULATION OF THE PAYMENT WITH AND WITHOUT EACH OF THE INSURANCES TAKEN OUT AT THE BANK AND ASK US FOR SIMULATIONS. <\/strong><\/p>\n

IN MOST CASES, ESPECIALLY WHEN IT COMES TO LIFE INSURANCE, IT WILL BE MUCH CHEAPER FOR YOU NOT TO TAKE IT OUT THROUGH THE BANK.<\/strong> This is a very sensitive economy in a high percentage of cases.<\/p>\n

The process is simple: it only requires you to ask the bank for a statement of the outstanding capital (and to suspend the authorisation to debit the account of the insurance in question); it lets us find the best options and you can then demonstrate to the bank that you have new active insurance!<\/p>\n

Renegotiating the insurance policies associated with mortgage loans is currently a very effective solution for lowering the cost of the loan, particularly for people over 40. It can even generate savings greater than a reduction of one tenth of the mortgage amount. spread<\/em>. (quoting the newspaper ECO).<\/p>\n

5 . Pagamento da presta\u00e7\u00e3o da casa com o PPR<\/strong><\/h5>\n

In this exceptional phase, holders of Retirement Savings Plans will be able to request their monthly redemption up to the maximum amount of the instalment with the home loan, without suffering any kind of penalty, even if they have taken advantage of tax benefits and have not yet completed the period required by law.<\/p>\n

It's a help that can be invaluable to those who are suffering the most in terms of their family balance. And, of course, it can be a \"good deal\" as a way of withdrawing capital from PPR's started in phases of unattractive returns (there is a prospect of increases, however).<\/p>\n

We are at your disposal to help you simulate the insurance you have associated with your home loans. We would be delighted to help you optimise your resources in this situation too.<\/strong><\/p>\n

Contact<\/a><\/p>\n

Linkedin Amplitude<\/a><\/p>\n

\u00a0<\/strong>\u00a0<\/strong><\/p>\n

Estrat\u00e9gias para baixar a presta\u00e7\u00e3o do cr\u00e9dito da casa<\/strong><\/h2>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Confira todas as estrat\u00e9gias de baixar a presta\u00e7\u00e3o do cr\u00e9dito da casa O in\u00edcio deste ano trouxe finalmente uma evolu\u00e7\u00e3o ben\u00e9fica para os detentores de cr\u00e9ditos habita\u00e7\u00e3o nas taxas Euribor, mas logo em fevereiro tal descida foi interrompida nos prazos mais longos. No contexto mais previs\u00edvel, os mercados financeiros est\u00e3o a adiar os primeiros\u00a0cortes dos […]<\/p>\n","protected":false},"author":2,"featured_media":7954,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7951","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diversos"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/posts\/7951","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=7951"}],"version-history":[{"count":2,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/posts\/7951\/revisions"}],"predecessor-version":[{"id":7956,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/posts\/7951\/revisions\/7956"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/media\/7954"}],"wp:attachment":[{"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=7951"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=7951"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/tags?post=7951"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}