{"id":4109,"date":"2023-11-30T15:32:37","date_gmt":"2023-11-30T14:32:37","guid":{"rendered":"https:\/\/gocredito.pt\/?p=4109"},"modified":"2023-11-30T15:32:40","modified_gmt":"2023-11-30T14:32:40","slug":"o-que-precisa-de-saber-antes-de-pedir-um-emprestimo","status":"publish","type":"post","link":"https:\/\/gocredito.pt\/en\/o-que-precisa-de-saber-antes-de-pedir-um-emprestimo\/","title":{"rendered":"Everything you need to know before applying for a loan to buy a house"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4109\" class=\"elementor elementor-4109\" 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 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><!-- wp:paragraph --><\/p>\n<p>For many people, buying a home is a life goal. However, given the current high cost of living and the increase in property prices, the only solution for many individuals and families is to ask for a loan from the bank to purchase a property.<\/p>\n<p>This type of loan is called \u201chome loan\u201d and it's essential to know all its characteristics in detail in order to choose the most appropriate one.<\/p>\n<p>After all, what are the phases of this process? And how much money do I need to provide to buy a house? Is home insurance mandatory? Is the bank financing 100%? Let's do it by steps\u2026<\/p>\n<h4><b>How much money do I need to buy a house?<\/b><\/h4>\n<p>Considering that banks are only lending, at best, 90% of the value of the property, you should keep in mind that on the day you sign the purchase and sale promise contract <b>you'll have to pay 10% of the value of your new property to the seller<\/b>.<\/p>\n<p>To this amount are added taxes on property, bureaucracy, insurance and condominium fees (if applicable), so<b> you should consider about 5000\u20ac<\/b> for this matter.<\/p>\n<h4><b>What phases will I go through during the process and how long will it take?<\/b><\/h4>\n<p>The time each process will take <b>will always depend on how fast you gather and send the documentation<\/b> required by the bank.<\/p>\n<p>Regarding the steps, consider that after sending all the requested documentation you will have to wait for the pre-approval of the credit, the evaluation of the property, the effective approval of the Housing Credit and, finally, the execution of the deed.<\/p>\n<h4><b>Is home insurance mandatory? Do I have to get them from the bank itself?<\/b><\/h4>\n<p>The<b> Life Insurance and Multi-risk Insurance are mandatory<\/b> when it comes to a House Loan. Despite being required by the bank, <b>it's not necessary to hire insurance from the same bank you hire the credit<\/b>.<\/p>\n<p>Our advice is that, regardless of whether the bank's insurance proposal seems attractive to you, always consult other options as you may be able to obtain proposals with greater effective savings.<\/p>\n<p>Get to know more about insurances&nbsp;<a href=\"https:\/\/gocredito.pt\/en\/seguros\/\">here<\/a>.<\/p>\n<h4><b>I can't find a guarantor. Will this compromise credit approval?<\/b><\/h4>\n<p>Nowadays, <b>it's not mandatory to have a guarantor<\/b>. The bank will analyze your case and depending on the risk you represent for the bank, it will then be determined whether you need a guarantor or not.<\/p>\n<p>This risk <b>is evaluated through your effort rate<\/b>, which is calculated by the bank considering your expenses and income.<\/p>\n<p>Simulate your Effort Rate <a href=\"https:\/\/gocredito.pt\/en\/simuladores\/\">here<\/a>.<\/p><h4><b>How do I know if I am choosing the best proposal?<\/b><\/h4><p>When choosing the bank where you will hire your House Loan, <b>it's important that you analyze all proposals<\/b>que lhe foram apresentadas.<\/p><p>There are several factors that you should take into account when comparing proposals, namely the GEAR, the type of rate you intend to contract (fixed or variable rate), the Euribor term, insurance, bank expenses and even other types of products mandatory requirements are associated with each proposal.<\/p><p><b>Choosing the right option can save you thousands of euros<\/b>, so it must be a considered and very well studied decision.<\/p><h4><b>Is there any way to make this whole process easier?<\/b><\/h4>\n<p>These are all questions you should be familiar with, <strong>but there is a way to get answers to them more quickly and effectively<\/strong>: through a credit intermediary.<\/p>\n<p>Credit intermediation is a service that connects people or companies seeking credit from financial institutions, facilitating the process of obtaining loans or financing with more favorable conditions.<\/p>\n<p><strong>A free service that will take care of all the bureaucratic part for you<\/strong>, leaving you with less worry but more informed about your condition.<\/p>\n<p>If you are thinking about buying a house, now is a good time to <strong><a href=\"https:\/\/go-credito.pt\/contactos\/\">contact us<\/a><\/strong> so we can analyze your situation and present you with the best offers on the market.<\/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>For many people, buying a home is a life goal. However, before applying for a loan, it is essential to know all its characteristics in detail.<\/p>","protected":false},"author":5,"featured_media":4113,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[39,43,11,13],"class_list":["post-4109","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-habitacao","tag-comprar-casa","tag-credito-habitacao","tag-financiamento","tag-go-credito"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tudo o que precisa de saber antes de pedir um empr\u00e9stimo para comprar casa<\/title>\n<meta name=\"description\" content=\"Para muitas pessoas, comprar uma casa \u00e9 um objetivo de vida. 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