{"id":4338,"date":"2023-12-27T10:04:24","date_gmt":"2023-12-27T09:04:24","guid":{"rendered":"https:\/\/gocredito.pt\/?p=4338"},"modified":"2023-12-27T10:04:24","modified_gmt":"2023-12-27T09:04:24","slug":"quando-e-que-compensa-fazer-uma-transferencia-de-credito","status":"publish","type":"post","link":"https:\/\/gocredito.pt\/fr\/quando-e-que-compensa-fazer-uma-transferencia-de-credito\/","title":{"rendered":"Quando \u00e9 que compensa fazer uma transfer\u00eancia de cr\u00e9dito?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4338\" class=\"elementor elementor-4338\" 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><!-- wp:paragraph --><\/p>\n<p>Transferir o seu cr\u00e9dito habita\u00e7\u00e3o pode ser uma forma de ver reduzida a presta\u00e7\u00e3o mensal. Mas afinal, quando \u00e9 que compensa a mudan\u00e7a? \u00c9 precisamente sobre isso que lhe falamos hoje.<\/p>\n<p>A transfer\u00eancia de cr\u00e9dito ocorre quando se passa um cr\u00e9dito de um banco para outro. Ou seja, est\u00e1 a fazer outro cr\u00e9dito (empr\u00e9stimo) para pagar o empr\u00e9stimo anterior. Desta forma, \u00e9 poss\u00edvel obter juros mais baixos, presta\u00e7\u00f5es mensais reduzidas e poupan\u00e7a no montante total do empr\u00e9stimo.<\/p>\n<p>Esta transfer\u00eancia \u00e9 mais comum para o cr\u00e9dito \u00e0 habita\u00e7\u00e3o e \u00e9, habitualmente, equacionada para aproveitar a descida nas taxas de juro. Quanto as taxas est\u00e3o favor\u00e1veis, \u00e9 altura de fazer uma simula\u00e7\u00e3o para verificar se existe, no mercado, uma oferta mais vantajosa para pagar o montante ainda em d\u00edvida.<\/p>\n<p><span style=\"text-align: inherit;\"><font color=\"#3b3d42\"><span style=\"font-size: 20px;\"><b>Mas em que situa\u00e7\u00f5es \u00e9 realmente vantajoso proceder com uma transfer\u00eancia de cr\u00e9dito<\/b><\/span><\/font><b style=\"color: rgb(59, 61, 66); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 20px; letter-spacing: 0px;\">?<\/b><\/span><br><\/p>\n<div>\n<p>Um dos primeiros sinais de que est\u00e1 na hora de procurar alternativas, \u00e9 quando <b>a sua presta\u00e7\u00e3o de Cr\u00e9dito Habita\u00e7\u00e3o j\u00e1 se come\u00e7a a tornar um fardo<\/b> mensalmente. Se j\u00e1 considera o seu valor atual um valor demasiado alto para as suas possibilidades, ent\u00e3o \u00e9 uma boa altura para rever.<\/p>\n<p>Outro alerta de que pode estar na altura de rever as suas condi\u00e7\u00f5es atuais ou transferir o seu Cr\u00e9dito Habita\u00e7\u00e3o \u00e9 quando <b>as mensalidades dos produtos financeiros que contratou<\/b> aquando a aquisi\u00e7\u00e3o do cr\u00e9dito (como seguros ou cart\u00f5es de cr\u00e9dito) <b>tamb\u00e9m&nbsp;<span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; letter-spacing: 0px;\">est\u00e3o<\/span><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; letter-spacing: 0px;\">&nbsp;a aumentar<\/span><\/b><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">.<\/span><\/p>\n<p>Ainda, <b>se o seu Cr\u00e9dito Habita\u00e7\u00e3o conta com uma taxa vari\u00e1vel<\/b>, \u00e9 garantido que conseguimos encontrar uma melhor op\u00e7\u00e3o para si.<\/p>\n<p><span style=\"text-align: inherit;\"><font color=\"#3b3d42\"><span style=\"font-size: 20px;\"><span style=\"font-weight: 700;\">Transferir o cr\u00e9dito para outro banco tem custos associados<\/span><\/span><\/font><span style=\"font-weight: 700; color: rgb(59, 61, 66); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 20px; letter-spacing: 0px;\">?<\/span><\/span><br><\/p>\n<div>\n<p>Atualmente os bancos est\u00e3o a suportar todos os custos associados \u00e0s transfer\u00eancias de cr\u00e9dito, tornando este <b>um processo gratuito para o cliente<\/b>.<\/p>\n<p>Ainda assim, esteja ciente de que podem ser necess\u00e1rios alguns documentos como a avalia\u00e7\u00e3o do im\u00f3vel e as novas escrituras cujos custos lhe ser\u00e3o obviamente imputados a si, ainda que sejam valores residuais quando j\u00e1 est\u00e1 isento do pagamento do servi\u00e7o de transfer\u00eancia em si.<\/p>\n<p><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; letter-spacing: 0px; font-size: 20px;\"><font color=\"#3b3d42\"><b>De que documentos preciso para esse processo?<\/b><\/font><\/span><\/p>\n<p><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">Transferir o seu Cr\u00e9dito Habita\u00e7\u00e3o de um banco para o outro \u00e9 um processo relativamente simples e pode faz\u00ea-lo a qualquer momento. O que \u00e9 importante \u00e9 que no momento que decidir avan\u00e7ar, consiga reunir todos os documentos necess\u00e1rios:<\/span><\/p>\n<ul>\n<li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">Cart\u00e3o de Cidad\u00e3o do(s) titular(es) do empr\u00e9stimo;<\/span><\/li>\n<li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">Comprovativo de morada;<\/span><\/li>\n<li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">Comprovativo de IBAN;<\/span><\/li>\n<li>Mapa de responsabilidades de cr\u00e9dito do Banco de Portugal;<\/li>\n<li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">\u00daltima declara\u00e7\u00e3o de IRS e respetiva n<\/span><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">ota de liquida\u00e7\u00e3o;<\/span><\/li>\n<li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">Os 3 \u00faltimos recibos de vencimento;<\/span><\/li>\n<li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">Os extratos banc\u00e1rios referentes aos \u00faltimos 3 meses;<\/span><\/li>\n<li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">Uma c\u00f3pia da escritura;<\/span><\/li>\n<li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">Declara\u00e7\u00e3o da entidade patronal.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">Depois de reunida toda a documenta\u00e7\u00e3o necess\u00e1ria, o processo de transfer\u00eancia costuma ser r\u00e1pido e de poucas dores de cabe\u00e7a para o cliente.<\/span><\/p>\n<p><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px;\">Desta forma, se est\u00e1 a pensar em transferir o seu Cr\u00e9dito Habita\u00e7\u00e3o, <a href=\"https:\/\/gocredito.pt\/fr\/contactos\/\">fale connosco<\/a> para que possamos ajud\u00e1-lo a encontrar a melhor op\u00e7\u00e3o de cr\u00e9dito, consoante as suas necessidades.<\/span><\/p>\n<\/div>\n<\/div>\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>Transferir o seu cr\u00e9dito habita\u00e7\u00e3o pode ser uma forma de ver reduzida a presta\u00e7\u00e3o mensal. Mas afinal, quando \u00e9 que compensa a mudan\u00e7a?<\/p>","protected":false},"author":2,"featured_media":4340,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[43,75,34,40],"class_list":["post-4338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-habitacao","tag-credito-habitacao","tag-emprestimo","tag-poupanca","tag-transferencia-de-credito"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Quando \u00e9 que compensa fazer uma transfer\u00eancia de cr\u00e9dito?<\/title>\n<meta name=\"description\" content=\"Transferir o seu cr\u00e9dito habita\u00e7\u00e3o pode ser uma forma de ver reduzida a presta\u00e7\u00e3o mensal. 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