{"id":6464,"date":"2024-07-25T14:58:24","date_gmt":"2024-07-25T13:58:24","guid":{"rendered":"https:\/\/gocredito.pt\/?p=6464"},"modified":"2024-09-04T17:45:59","modified_gmt":"2024-09-04T16:45:59","slug":"afinal-quanto-tempo-demora-a-pedir-credito-habitacao","status":"publish","type":"post","link":"https:\/\/gocredito.pt\/de\/afinal-quanto-tempo-demora-a-pedir-credito-habitacao\/","title":{"rendered":"Afinal quanto tempo demora a pedir cr\u00e9dito habita\u00e7\u00e3o?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6464\" class=\"elementor elementor-6464\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-275416d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"275416d8\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2780c2af\" data-id=\"2780c2af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6745d302 elementor-widget-laptop__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6745d302\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 20-08-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span data-contrast=\"auto\">O tempo para fazer um Cr\u00e9dito Habita\u00e7\u00e3o <b>pode variar de entidade para entidade <\/b>e com base em diversos fatores. Primeiramente, caso esteja a ponderar contratar um Cr\u00e9dito Habita\u00e7\u00e3o deve estar ciente que este empr\u00e9stimo <b>geralmente \u00e9 composto por quatro fases<\/b>.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"auto\">A<b> primeira fase<\/b> consiste na simula\u00e7\u00e3o do cr\u00e9dito e an\u00e1lise das condi\u00e7\u00f5es apresentadas. Esta etapa \u00e9 crucial para ficar com uma ideia sobre quais s\u00e3o as condi\u00e7\u00f5es que pode ter ao contratar um cr\u00e9dito numa determinada entidade.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"auto\">A <b>segunda fase <\/b>\u00e9 onde realiza a pr\u00e9-aprova\u00e7\u00e3o e, posteriormente, a aprova\u00e7\u00e3o do seu cr\u00e9dito. Nesta fase, deve apresentar documentos adicionais que permitam \u00e0 institui\u00e7\u00e3o medir o risco e avaliar os seus rendimentos, situa\u00e7\u00e3o financeira e a sua taxa de esfor\u00e7o.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"auto\">J\u00e1<b> na terceira fase<\/b> \u00e9 realizada a avalia\u00e7\u00e3o do im\u00f3vel. \u00c9 aqui que deve apresentar os documentos relativos ao im\u00f3vel que pretende adquirir. Esta fase \u00e9 utilizada pela institui\u00e7\u00e3o enviar um perito independente para determinar o valor da casa.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"auto\">Por \u00faltimo, <b>a quarta fase<\/b> \u00e9 onde realiza a adjudica\u00e7\u00e3o e a marca\u00e7\u00e3o da escritura do im\u00f3vel. Aqui, ter\u00e1 de apresentar documentos da responsabilidade do atual propriet\u00e1rio do im\u00f3vel.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"auto\">Note que todas estas fases e a dura\u00e7\u00e3o de cada uma <b>pode depender tamb\u00e9m do tempo que demora a reunir toda a informa\u00e7\u00e3o necess\u00e1ria<\/b>, podendo necessitar de dois meses ou mais para concluir todo o processo. No entanto, saiba que <b>pode acelerar todo este processo<\/b> realizando a simula\u00e7\u00e3o e fornecendo todos os documentos requeridos em<b> gocr\u00e9dito.pt&nbsp;<\/b>&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:708,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">&nbsp;<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>O tempo para fazer um Cr\u00e9dito Habita\u00e7\u00e3o pode variar de entidade para entidade e com base em diversos fatores. Primeiramente, caso esteja a ponderar contratar um Cr\u00e9dito Habita\u00e7\u00e3o deve estar ciente que este empr\u00e9stimo geralmente \u00e9 composto por quatro fases.  <\/p>","protected":false},"author":5,"featured_media":6470,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[43],"class_list":["post-6464","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-habitacao","tag-credito-habitacao"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Afinal quanto tempo demora para pedir um Cr\u00e9dito Habita\u00e7\u00e3o?<\/title>\n<meta name=\"description\" content=\"O tempo para fazer um Cr\u00e9dito Habita\u00e7\u00e3o pode variar de entidade para entidade e com base em diversos fatores.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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