{"id":5431,"date":"2024-03-14T09:08:34","date_gmt":"2024-03-14T09:08:34","guid":{"rendered":"https:\/\/gocredito.pt\/?p=5431"},"modified":"2024-03-14T09:08:34","modified_gmt":"2024-03-14T09:08:34","slug":"taxa-mista-fixa-e-variavel-conheca-as-diferencas","status":"publish","type":"post","link":"https:\/\/gocredito.pt\/en\/taxa-mista-fixa-e-variavel-conheca-as-diferencas\/","title":{"rendered":"Mixed, fixed and variable rates: know the differences!"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5431\" class=\"elementor elementor-5431\" 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>Are you thinking about buying a house and come across a lot of unknown information and so you don't know if you are making the best decision?<\/p>\n<p>Today <strong>we explain you the difference between rates<\/strong>, so when it's time to decide you have all the information on your side.<\/p>\n<h5><strong>Mixed Rate<\/strong><\/h5>\n<p>By choosing to take out a loan with a mixed rate, you are accepting that <strong>the value of the installment is different in two different periods of the contract<\/strong>. What happens is that during the first period, the credit contract is associated with a fixed rate with terms generally around 2, 5 and 10 years and, after the end of the fixed period, the rate becomes variable, being calculated based on the Euribor rate, plus the spread value established at the beginning of the contract.<\/p>\n<p>It's important to note that during this period your credit installments will vary according to Euribor fluctuations.<\/p>\n<h5><strong>Fixed Rate<\/strong><\/h5>\n<p>If you decide to take out your House Loan with a fixed rate, this means that <strong>you will have the same monthly payment from the beginning to the end of the contract<\/strong>, without worrying about interest rate fluctuations.<\/p>\n<p>A taxa fixa \u00e9 determinada pelo banco e durante todo o per\u00edodo a sua presta\u00e7\u00e3o permanece inalterada, sem surpresas.<\/p>\n<h5><strong>Variable Rate<\/strong><\/h5>\n<p>A mortgage with a variable rate is affected by two variables: the spread defined by the bank and the Euribor rate.<\/p>\n<p>Therefore, if you choose a variable rate, take into account that the interest rate fluctuates throughout the contract and therefore <strong>your monthly payment will also undergo constant updates.<\/strong><\/p>\n<h4><strong>But after all, which is the best option for me?<\/strong><\/h4>\n<p>There is no right answer to this question, as your reality is not the same as your friend's. To make a conscious decision <strong>it's important to analyze your case<\/strong>, understand what your condition is, how you deal with money, what your effort rate is, etc.<\/p>\n<p>Once these questions have been clarified, you can decide which type of rate best suits you, and based on our experience, mixed rate credits are gaining more and more fans.<\/p>\n<p><strong>In any case, and to make the process simpler, <a href=\"https:\/\/gocredito.pt\/en\/contactos\/\">contact us<\/a>.<\/strong> We will analyze your situation and present you with our best proposals, explaining each one so that you can consciously make a decision.<\/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>Are you thinking about buying a house and come across a lot of unknown information and so you don't know if you are making the best decision?<\/p>","protected":false},"author":2,"featured_media":5433,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[43,93,94,92],"class_list":["post-5431","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-habitacao","tag-credito-habitacao","tag-euribor","tag-prestacao","tag-taxa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Taxa mista, fixa e vari\u00e1vel: conhe\u00e7a as diferen\u00e7as!<\/title>\n<meta name=\"description\" content=\"Est\u00e1 a pensar comprar uma casa e deparou-se com muita informa\u00e7\u00e3o desconhecida e por isso n\u00e3o sabe se est\u00e1 a tomar a melhor decis\u00e3o?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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