{"id":5449,"date":"2024-04-09T09:26:43","date_gmt":"2024-04-09T08:26:43","guid":{"rendered":"https:\/\/gocredito.pt\/?p=5449"},"modified":"2024-04-09T09:26:43","modified_gmt":"2024-04-09T08:26:43","slug":"em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao","status":"publish","type":"post","link":"https:\/\/gocredito.pt\/en\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/","title":{"rendered":"What did the relief from the stress test mean in House Loans?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5449\" class=\"elementor elementor-5449\" 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>No passado dia 16 de outubro de 2023 entrou em vigor o al\u00edvio do stress test usado pelos bancos para a conce\u00e7\u00e3o de Cr\u00e9ditos Habita\u00e7\u00e3o, por indica\u00e7\u00e3o do Banco de Portugal.<\/p>\n<p>To cope with high interest rates, <strong>o valor usado para simular a taxa de esfor\u00e7o dos portugueses passou de 3% para 1,5%<\/strong> in order to facilitate access to credit for property acquisition, as this change leaves the interest rate at around 5.5% (4% of Euribor + the 1.5% of the simulation) and not the 7% previously used .<\/p>\n<p>Besides, this measure also <strong>guaranteed a higher percentage of financing<\/strong>, since previously it was only possible to obtain a maximum of 70% of the value of the house and now it's possible to obtain financing at 80% or even 90%.<\/p>\n<p>A measure that inevitably reduces the effort rate of potential buyers and increases the percentage of financing, but did it have that much of an impact?<\/p>\n<p>When it was approved, several banking entities considered this measure positive for the Portuguese people as it would facilitate the House Loan approval process, but the truth is that not that much has changed.<\/p>\n<p class=\" translation-block\"><a href=\"https:\/\/www.idealista.pt\/\" target=\"_self\">Idealista<\/a> reveals that the measure<strong>had a very low impact in the last quarter of the year<\/strong>, with regard to loans for the purchase of the first home. Analyzing the House Loans contracted during this period we see that credit transfers occupy the largest slice of the pie at 38%, while House Loans for purchasing the first home stood at 35.5%.<\/p>\n<p>Data that reveals that <strong>This relief may have led to an increase in demand for new credits, but this was not concluded<\/strong>. On the other hand, the measure may have had some impact on credit transfers by allowing better conditions with other banks for those who sought to improve their credit conditions.<\/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>Em outubro de 2023 entrou em vigor o al\u00edvio do stress test usado pelos bancos para a conce\u00e7\u00e3o de Cr\u00e9ditos Habita\u00e7\u00e3o, por indica\u00e7\u00e3o do Banco de Portugal.<\/p>","protected":false},"author":5,"featured_media":5451,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[95,39,43,97,98],"class_list":["post-5449","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-habitacao","tag-aquisicao","tag-comprar-casa","tag-credito-habitacao","tag-stress-test","tag-taxas-juro"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Em que se traduziu o al\u00edvio do stress test nos Cr\u00e9ditos Habita\u00e7\u00e3o?<\/title>\n<meta name=\"description\" content=\"Em outubro de 2023 entrou em vigor o al\u00edvio do stress test usado pelos bancos para a conce\u00e7\u00e3o de Cr\u00e9ditos Habita\u00e7\u00e3o, por indica\u00e7\u00e3o do BdP.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gocredito.pt\/en\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Em que se traduziu o al\u00edvio do stress test nos Cr\u00e9ditos Habita\u00e7\u00e3o?\" \/>\n<meta property=\"og:description\" content=\"Em outubro de 2023 entrou em vigor o al\u00edvio do stress test usado pelos bancos para a conce\u00e7\u00e3o de Cr\u00e9ditos Habita\u00e7\u00e3o, por indica\u00e7\u00e3o do BdP.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gocredito.pt\/en\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/\" \/>\n<meta property=\"og:site_name\" content=\"Go Cr\u00e9dito\" \/>\n<meta property=\"article:published_time\" content=\"2024-04-09T08:26:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gocredito.pt\/wp-content\/uploads\/2024\/02\/4-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jos\u00e9 Neto\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jos\u00e9 Neto\" \/>\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:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/\"},\"author\":{\"name\":\"Jos\u00e9 Neto\",\"@id\":\"https:\/\/gocredito.pt\/#\/schema\/person\/4438c16233ae4e3fdf6b34eb80b6db14\"},\"headline\":\"Em que se traduziu o al\u00edvio do stress test nos Cr\u00e9ditos Habita\u00e7\u00e3o?\",\"datePublished\":\"2024-04-09T08:26:43+00:00\",\"dateModified\":\"2024-04-09T08:26:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/\"},\"wordCount\":349,\"publisher\":{\"@id\":\"https:\/\/gocredito.pt\/#organization\"},\"image\":{\"@id\":\"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/gocredito.pt\/wp-content\/uploads\/2024\/02\/4-scaled.jpg\",\"keywords\":[\"aquisi\u00e7\u00e3o\",\"comprar casa\",\"Cr\u00e9dito Habita\u00e7\u00e3o\",\"stress test\",\"taxas juro\"],\"articleSection\":[\"Cr\u00e9dito Habita\u00e7\u00e3o\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/\",\"url\":\"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/\",\"name\":\"Em que se traduziu o al\u00edvio do stress test nos Cr\u00e9ditos Habita\u00e7\u00e3o?\",\"isPartOf\":{\"@id\":\"https:\/\/gocredito.pt\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/gocredito.pt\/wp-content\/uploads\/2024\/02\/4-scaled.jpg\",\"datePublished\":\"2024-04-09T08:26:43+00:00\",\"dateModified\":\"2024-04-09T08:26:43+00:00\",\"description\":\"Em outubro de 2023 entrou em vigor o al\u00edvio do stress test usado pelos bancos para a conce\u00e7\u00e3o de Cr\u00e9ditos Habita\u00e7\u00e3o, por indica\u00e7\u00e3o do BdP.\",\"breadcrumb\":{\"@id\":\"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#primaryimage\",\"url\":\"https:\/\/gocredito.pt\/wp-content\/uploads\/2024\/02\/4-scaled.jpg\",\"contentUrl\":\"https:\/\/gocredito.pt\/wp-content\/uploads\/2024\/02\/4-scaled.jpg\",\"width\":2560,\"height\":1707},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\/\/gocredito.pt\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Em que se traduziu o al\u00edvio do stress test nos Cr\u00e9ditos Habita\u00e7\u00e3o?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/gocredito.pt\/#website\",\"url\":\"https:\/\/gocredito.pt\/\",\"name\":\"Go Cr\u00e9dito\",\"description\":\"Intermedia\u00e7\u00e3o de cr\u00e9dito\",\"publisher\":{\"@id\":\"https:\/\/gocredito.pt\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/gocredito.pt\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/gocredito.pt\/#organization\",\"name\":\"Go Cr\u00e9dito\",\"url\":\"https:\/\/gocredito.pt\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/gocredito.pt\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/gocredito.pt\/wp-content\/uploads\/2021\/05\/go-credito-logo-01.png\",\"contentUrl\":\"https:\/\/gocredito.pt\/wp-content\/uploads\/2021\/05\/go-credito-logo-01.png\",\"width\":341,\"height\":125,\"caption\":\"Go Cr\u00e9dito\"},\"image\":{\"@id\":\"https:\/\/gocredito.pt\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/gocredito.pt\/#\/schema\/person\/4438c16233ae4e3fdf6b34eb80b6db14\",\"name\":\"Jos\u00e9 Neto\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Em que se traduziu o al\u00edvio do stress test nos Cr\u00e9ditos Habita\u00e7\u00e3o?","description":"Em outubro de 2023 entrou em vigor o al\u00edvio do stress test usado pelos bancos para a conce\u00e7\u00e3o de Cr\u00e9ditos Habita\u00e7\u00e3o, por indica\u00e7\u00e3o do BdP.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/gocredito.pt\/en\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/","og_locale":"en_GB","og_type":"article","og_title":"Em que se traduziu o al\u00edvio do stress test nos Cr\u00e9ditos Habita\u00e7\u00e3o?","og_description":"Em outubro de 2023 entrou em vigor o al\u00edvio do stress test usado pelos bancos para a conce\u00e7\u00e3o de Cr\u00e9ditos Habita\u00e7\u00e3o, por indica\u00e7\u00e3o do BdP.","og_url":"https:\/\/gocredito.pt\/en\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/","og_site_name":"Go Cr\u00e9dito","article_published_time":"2024-04-09T08:26:43+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/gocredito.pt\/wp-content\/uploads\/2024\/02\/4-scaled.jpg","type":"image\/jpeg"}],"author":"Jos\u00e9 Neto","twitter_misc":{"Written by":"Jos\u00e9 Neto","Estimated reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#article","isPartOf":{"@id":"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/"},"author":{"name":"Jos\u00e9 Neto","@id":"https:\/\/gocredito.pt\/#\/schema\/person\/4438c16233ae4e3fdf6b34eb80b6db14"},"headline":"Em que se traduziu o al\u00edvio do stress test nos Cr\u00e9ditos Habita\u00e7\u00e3o?","datePublished":"2024-04-09T08:26:43+00:00","dateModified":"2024-04-09T08:26:43+00:00","mainEntityOfPage":{"@id":"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/"},"wordCount":349,"publisher":{"@id":"https:\/\/gocredito.pt\/#organization"},"image":{"@id":"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#primaryimage"},"thumbnailUrl":"https:\/\/gocredito.pt\/wp-content\/uploads\/2024\/02\/4-scaled.jpg","keywords":["aquisi\u00e7\u00e3o","comprar casa","Cr\u00e9dito Habita\u00e7\u00e3o","stress test","taxas juro"],"articleSection":["Cr\u00e9dito Habita\u00e7\u00e3o"],"inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/","url":"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/","name":"Em que se traduziu o al\u00edvio do stress test nos Cr\u00e9ditos Habita\u00e7\u00e3o?","isPartOf":{"@id":"https:\/\/gocredito.pt\/#website"},"primaryImageOfPage":{"@id":"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#primaryimage"},"image":{"@id":"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#primaryimage"},"thumbnailUrl":"https:\/\/gocredito.pt\/wp-content\/uploads\/2024\/02\/4-scaled.jpg","datePublished":"2024-04-09T08:26:43+00:00","dateModified":"2024-04-09T08:26:43+00:00","description":"Em outubro de 2023 entrou em vigor o al\u00edvio do stress test usado pelos bancos para a conce\u00e7\u00e3o de Cr\u00e9ditos Habita\u00e7\u00e3o, por indica\u00e7\u00e3o do BdP.","breadcrumb":{"@id":"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#primaryimage","url":"https:\/\/gocredito.pt\/wp-content\/uploads\/2024\/02\/4-scaled.jpg","contentUrl":"https:\/\/gocredito.pt\/wp-content\/uploads\/2024\/02\/4-scaled.jpg","width":2560,"height":1707},{"@type":"BreadcrumbList","@id":"https:\/\/gocredito.pt\/em-que-se-traduziu-o-alivio-do-stress-test-nos-creditos-habitacao\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/gocredito.pt\/"},{"@type":"ListItem","position":2,"name":"Em que se traduziu o al\u00edvio do stress test nos Cr\u00e9ditos Habita\u00e7\u00e3o?"}]},{"@type":"WebSite","@id":"https:\/\/gocredito.pt\/#website","url":"https:\/\/gocredito.pt\/","name":"Go Cr\u00e9dito","description":"Intermedia\u00e7\u00e3o de cr\u00e9dito","publisher":{"@id":"https:\/\/gocredito.pt\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/gocredito.pt\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/gocredito.pt\/#organization","name":"Go Cr\u00e9dito","url":"https:\/\/gocredito.pt\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/gocredito.pt\/#\/schema\/logo\/image\/","url":"https:\/\/gocredito.pt\/wp-content\/uploads\/2021\/05\/go-credito-logo-01.png","contentUrl":"https:\/\/gocredito.pt\/wp-content\/uploads\/2021\/05\/go-credito-logo-01.png","width":341,"height":125,"caption":"Go Cr\u00e9dito"},"image":{"@id":"https:\/\/gocredito.pt\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/gocredito.pt\/#\/schema\/person\/4438c16233ae4e3fdf6b34eb80b6db14","name":"Jos\u00e9 Neto"}]}},"_links":{"self":[{"href":"https:\/\/gocredito.pt\/en\/wp-json\/wp\/v2\/posts\/5449","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gocredito.pt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gocredito.pt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gocredito.pt\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/gocredito.pt\/en\/wp-json\/wp\/v2\/comments?post=5449"}],"version-history":[{"count":7,"href":"https:\/\/gocredito.pt\/en\/wp-json\/wp\/v2\/posts\/5449\/revisions"}],"predecessor-version":[{"id":5457,"href":"https:\/\/gocredito.pt\/en\/wp-json\/wp\/v2\/posts\/5449\/revisions\/5457"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gocredito.pt\/en\/wp-json\/wp\/v2\/media\/5451"}],"wp:attachment":[{"href":"https:\/\/gocredito.pt\/en\/wp-json\/wp\/v2\/media?parent=5449"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gocredito.pt\/en\/wp-json\/wp\/v2\/categories?post=5449"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gocredito.pt\/en\/wp-json\/wp\/v2\/tags?post=5449"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}