{"id":1738,"date":"2022-11-23T12:05:12","date_gmt":"2022-11-23T11:05:12","guid":{"rendered":"https:\/\/gocredito.pt\/?p=1738"},"modified":"2023-11-10T12:20:10","modified_gmt":"2023-11-10T11:20:10","slug":"fine-credito-habitacao","status":"publish","type":"post","link":"https:\/\/gocredito.pt\/fr\/fine-credito-habitacao\/","title":{"rendered":"Analise a FINE do cr\u00e9dito \u00e0 habita\u00e7\u00e3o e poupe no empr\u00e9stimo!"},"content":{"rendered":"<p>A <strong>compra de casa<\/strong> representa um compromisso financeiro com um impacto significativo no or\u00e7amento familiar durante muitos anos. Para escolher a melhor op\u00e7\u00e3o, h\u00e1 um documento que deve analisar em pormenor: a Ficha de Informa\u00e7\u00e3o Normalizada Europeia (FINE) do cr\u00e9dito \u00e0 habita\u00e7\u00e3o.&nbsp;<\/p>\n\n\n\n<p>Esta ficha, disponibilizada pelo banco aquando da <a href=\"https:\/\/simulador.go-credito.pt\/\" target=\"_blank\" rel=\"noreferrer noopener\">simula\u00e7\u00e3o do empr\u00e9stimo<\/a>, vai permitir-lhe comparar diferentes propostas de cr\u00e9dito e possibilitar uma tomada de <strong>decis\u00e3o informada<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Neste artigo, vamos mostrar-lhe os aspetos mais importantes da FINE do cr\u00e9dito \u00e0 habita\u00e7\u00e3o para garantir que contrata as <strong>melhores condi\u00e7\u00f5es<\/strong> para a sua realidade.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sobre a FINE do cr\u00e9dito \u00e0 habita\u00e7\u00e3o<\/strong>&nbsp;<\/h2>\n\n\n\n<p>A <strong>FINE<\/strong> \u00e9 um documento emitido por uma institui\u00e7\u00e3o de cr\u00e9dito onde constam todas as caracter\u00edsticas, condi\u00e7\u00f5es e<strong> custos de um cr\u00e9dito<\/strong>.&nbsp;&nbsp;<\/p>\n\n\n\n<p>A partir de 2018, este documento passou a reger-se por <strong>normas europeias<\/strong>, o que significa que a sua estrutura segue as mesmas regras em toda a <a href=\"https:\/\/european-union.europa.eu\/index_pt\" target=\"_blank\" rel=\"noreferrer noopener\">Uni\u00e3o Europeia<\/a>. Esta uniformiza\u00e7\u00e3o da informa\u00e7\u00e3o constada na FINE permite, de forma mais completa, clara e f\u00e1cil, <strong>comparar as condi\u00e7\u00f5es<\/strong> do mesmo pedido de empr\u00e9stimo em diferentes institui\u00e7\u00f5es de cr\u00e9dito.&nbsp;<\/p>\n\n\n\n<p>Vai ter acesso a este documento em duas alturas: quando <a href=\"https:\/\/gocredito.pt\/fr\/blog\/simular-credito-habitacao\/\" target=\"_blank\" rel=\"noreferrer noopener\">simular o cr\u00e9dito \u00e0 habita\u00e7\u00e3o<\/a> e depois quando o banco comunicar a aprova\u00e7\u00e3o do empr\u00e9stimo.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Estrutura da FINE do cr\u00e9dito \u00e0 habita\u00e7\u00e3o<\/strong>&nbsp;<\/h2>\n\n\n\n<p>A FINE tem um formato \u00fanico e normalizado, constitu\u00edda por duas partes: A e B.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A parte A cont\u00e9m informa\u00e7\u00f5es sobre as <strong>principais caracter\u00edsticas do empr\u00e9stimo<\/strong>, nomeadamente:&nbsp;<\/li>\n\n\n\n<li>A taxa anual de encargos efetiva global (TAEG);&nbsp;<\/li>\n\n\n\n<li>A <strong>taxa anual nominal<\/strong> (TAN) aplic\u00e1vel ao empr\u00e9stimo de acordo com o tipo de taxa de juro acordada e a respetiva decomposi\u00e7\u00e3o;&nbsp;<\/li>\n\n\n\n<li>Outros encargos associados ao empr\u00e9stimo, como <strong>comiss\u00f5es<\/strong>, <strong>despesas<\/strong>, <strong>seguros<\/strong> exigidos e outros custos;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O montante do empr\u00e9stimo e o montante total a reembolsar (MTIC);&nbsp;<\/li>\n\n\n\n<li>A periodicidade e o montante das presta\u00e7\u00f5es;&nbsp;<\/li>\n\n\n\n<li>A informa\u00e7\u00e3o sobre os produtos e servi\u00e7os financeiros contratados como vendas associadas facultativas.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Na parte B, dedicada \u00e0 <strong>informa\u00e7\u00e3o adicional<\/strong> \u00e0 FINE do cr\u00e9dito \u00e0 habita\u00e7\u00e3o, constam ainda:&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Outros elementos relevantes relacionados com vendas associadas facultativas;&nbsp;<\/li>\n\n\n\n<li>Outras situa\u00e7\u00f5es suscet\u00edveis de afetar o custo do empr\u00e9stimo;&nbsp;<\/li>\n\n\n\n<li>A documenta\u00e7\u00e3o necess\u00e1ria para a concess\u00e3o de cr\u00e9dito;&nbsp;<\/li>\n\n\n\n<li>Os quadros de <strong>reembolso<\/strong> do empr\u00e9stimo.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Principais informa\u00e7\u00f5es constantes da FINE do cr\u00e9dito \u00e0 habita\u00e7\u00e3o<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Existem dados na FINE do cr\u00e9dito \u00e0 habita\u00e7\u00e3o para os quais deve olhar com especial aten\u00e7\u00e3o, pois v\u00e3o permitir ter a no\u00e7\u00e3o se est\u00e1 perante uma proposta <strong>adequada \u00e0s suas necessidades<\/strong>. Tratam-se de fatores-chave que v\u00e3o influenciar o seu <a href=\"https:\/\/gocredito.pt\/fr\/blog\/emprestimo-casa\/\" target=\"_blank\" rel=\"noreferrer noopener\">empr\u00e9stimo da casa<\/a>.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tipo de taxa de juro<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Se optar por <strong>taxa de juro fixa<\/strong>, a taxa de juro do empr\u00e9stimo mant\u00e9m-se inalterada durante o prazo que tiver sido acordado com o banco. A presta\u00e7\u00e3o mensal mant\u00e9m-se sempre igual, mesmo que as taxas de juro subam ou des\u00e7am. Contudo, esta presta\u00e7\u00e3o \u00e9 mais elevada do que uma presta\u00e7\u00e3o indexada \u00e0 Euribor. Al\u00e9m disso, se pretender efetuar amortiza\u00e7\u00f5es ao empr\u00e9stimo, o banco vai cobrar uma comiss\u00e3o de 2% sobre o valor reembolsado.&nbsp;<\/p>\n\n\n\n<p>A <strong>taxa de juro vari\u00e1vel<\/strong> tem como refer\u00eancia a taxa Euribor. \u00c9 calculada diariamente e varia em fun\u00e7\u00e3o do prazo: 3, 6 ou 12 meses. A presta\u00e7\u00e3o da casa \u00e9 revista no prazo da Euribor indexada ao cr\u00e9dito \u00e0 habita\u00e7\u00e3o. Se as taxas de juro subirem ou descerem, o valor da presta\u00e7\u00e3o vai acompanhar esta flutua\u00e7\u00e3o. Nesta taxa, a comiss\u00e3o por reembolso antecipado \u00e9 de 0,5% sobre o valor reembolsado.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Spread<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>O <em>spread<\/em> \u00e9 a margem de lucro dos bancos quando concedem um <a href=\"https:\/\/gocredito.pt\/fr\/blog\/credito-habitacao-requisitos\/\" target=\"_blank\" rel=\"noreferrer noopener\">cr\u00e9dito \u00e0 habita\u00e7\u00e3o<\/a> e reflete o n\u00edvel de risco associado ao empr\u00e9stimo. Quanto maior for o empr\u00e9stimo face ao valor do im\u00f3vel e quanto mais elevada for a taxa de esfor\u00e7o, maior vai ser o <em>spread<\/em> oferecido.&nbsp;<\/p>\n\n\n\n<p>Contudo, \u00e9 poss\u00edvel obter uma bonifica\u00e7\u00e3o do <em>spread<\/em> caso contrate determinados produtos atrav\u00e9s do banco, como, por exemplo, os seguros.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Taxa anual de encargos efetiva global (TAEG)<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>\u00c9 um valor \u00fanico correspondente ao custo total do empr\u00e9stimo da casa (juros, despesas de processo, comiss\u00f5es e seguros associados), expresso sob a forma de uma percentagem anual. Este \u00e9 o indicador mais completo para comparar as diferentes ofertas.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Montante total imputado ao consumidor (MTIC)<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Corresponde ao montante total que vai ter de pagar ao banco durante todo o per\u00edodo do empr\u00e9stimo e resulta da soma do montante total do financiamento com os custos do cr\u00e9dito (juros, comiss\u00f5es, impostos e outros encargos).&nbsp;<\/p>\n\n\n\n<p>A an\u00e1lise da FINE do cr\u00e9dito \u00e0 habita\u00e7\u00e3o \u00e9, portanto, indispens\u00e1vel para garantir que consegue as <strong>melhores condi\u00e7\u00f5es<\/strong> para o seu cr\u00e9dito, o que vai traduzir-se numa <strong>poupan\u00e7a substancial <\/strong>ao longo do empr\u00e9stimo.&nbsp;<\/p>\n\n\n\n<p>Se est\u00e1 \u00e0 procura de uma solu\u00e7\u00e3o de cr\u00e9dito, <a href=\"https:\/\/gocredito.pt\/fr\/blog\/\" target=\"_blank\" rel=\"noreferrer noopener\">visite o blog<\/a> da <strong>Go Cr\u00e9dito<\/strong> e leia mais artigos com <strong>informa\u00e7\u00e3o \u00fatil<\/strong> sobre este tema.&nbsp;&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-499968f5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/gocredito.pt\/fr\/blog\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>VISITAR BLOG<\/strong><\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Vai comprar casa com recurso a cr\u00e9dito? Saiba como ler a FINE do cr\u00e9dito \u00e0 habita\u00e7\u00e3o e consiga as melhores condi\u00e7\u00f5es para o seu empr\u00e9stimo! <\/p>","protected":false},"author":2,"featured_media":1741,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[43,44,13],"class_list":["post-1738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-habitacao","tag-credito-habitacao","tag-fine","tag-go-credito"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Analise a FINE do cr\u00e9dito \u00e0 habita\u00e7\u00e3o e poupe no empr\u00e9stimo!<\/title>\n<meta name=\"description\" content=\"Vai comprar casa com recurso a cr\u00e9dito? 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