{"id":6524,"date":"2024-08-16T16:42:25","date_gmt":"2024-08-16T15:42:25","guid":{"rendered":"https:\/\/gocredito.pt\/?p=6524"},"modified":"2024-08-30T11:04:24","modified_gmt":"2024-08-30T10:04:24","slug":"a-importancia-do-ltv-no-credito-habitacao","status":"publish","type":"post","link":"https:\/\/gocredito.pt\/fr\/a-importancia-do-ltv-no-credito-habitacao\/","title":{"rendered":"A import\u00e2ncia do LTV no Cr\u00e9dito Habita\u00e7\u00e3o"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6524\" class=\"elementor elementor-6524\" 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><span data-contrast=\"auto\">Quando toma a decis\u00e3o de comprar casa atrav\u00e9s de um cr\u00e9dito habita\u00e7\u00e3o ir\u00e1 deparar-se com termos como o LTV (Loan-to-value), um r\u00e1cio que \u00e9 calculado pelos bancos na an\u00e1lise de risco de determinado empr\u00e9stimo.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">De um modo geral,<b> o Loan-to-value corresponde ao r\u00e1cio entre o valor financiado pelo banco para a compra de casa e o valor do im\u00f3ve<\/b>l (o valor mais baixo entre o valor de aquisi\u00e7\u00e3o e avalia\u00e7\u00e3o).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">O<b> LTV tem um grande impacto no cr\u00e9dito habita\u00e7\u00e3o<\/b> uma vez que para os bancos, este r\u00e1cio \u00e9 como uma media\u00e7\u00e3o do n\u00edvel de risco de um cliente entrar em incumprimento. <b>Caso o LTV seja elevado, a entidade banc\u00e1ria considera um risco maior e, posteriormente, ter\u00e1 de compensar o risco em que incorre ao emprestar dinheiro.\u00a0<\/b><\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\"><b>\u00a0<\/b><\/span><\/p>\n<p><span data-contrast=\"auto\">Neste caso, o banco poder\u00e1 propor condi\u00e7\u00f5es menos vantajosas e com um spread mais elevado.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Assim, mais uma vez \u00e9 preciso ter em considera\u00e7\u00e3o que quanto maior for o montante financiado por capitais pr\u00f3prios, melhores condi\u00e7\u00f5es de cr\u00e9dito poder\u00e1 conseguir!<\/span><\/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>Quando toma a decis\u00e3o de comprar casa atrav\u00e9s de um cr\u00e9dito habita\u00e7\u00e3o ir\u00e1 deparar-se com termos como o LTV (Loan-to-value), um r\u00e1cio que \u00e9 calculado pelos bancos na an\u00e1lise de risco de determinado empr\u00e9stimo.  <\/p>","protected":false},"author":5,"featured_media":6574,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[43,84,42],"class_list":["post-6524","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-habitacao","tag-credito-habitacao","tag-seguro","tag-seguro-de-vida"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A import\u00e2ncia do LTV no Cr\u00e9dito Habita\u00e7\u00e3o<\/title>\n<meta name=\"description\" content=\"O LTV (Loan-to-value), um r\u00e1cio que \u00e9 calculado pelos bancos na an\u00e1lise de risco de determinado empr\u00e9stimo.\" \/>\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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