{"id":1755,"date":"2022-12-26T10:53:10","date_gmt":"2022-12-26T09:53:10","guid":{"rendered":"https:\/\/gocredito.pt\/?p=1755"},"modified":"2023-11-10T12:19:30","modified_gmt":"2023-11-10T11:19:30","slug":"taxa-euribor","status":"publish","type":"post","link":"https:\/\/gocredito.pt\/zh\/taxa-euribor\/","title":{"rendered":"Taxa Euribor: Conhe\u00e7a as raz\u00f5es da sua varia\u00e7\u00e3o!"},"content":{"rendered":"

Uma boa parte das fam\u00edlias portuguesas recorre ao cr\u00e9dito \u00e0 habita\u00e7\u00e3o para comprar casa<\/a>. O dilema nestas situa\u00e7\u00f5es \u00e9 escolher entre contratar um empr\u00e9stimo com taxa fixa ou taxa vari\u00e1vel. A tend\u00eancia de varia\u00e7\u00e3o da Taxa Euribor<\/strong> no momento \u00e9, muitas vezes, o que determina esta escolha.<\/p>\n\n\n\n

A Taxa Euribor (European Interbank Offered Rate) \u00e9 conhecida por estar associada ao cr\u00e9dito \u00e0 habita\u00e7\u00e3o. No entanto, \u00e9 tamb\u00e9m usada como refer\u00eancia noutros produtos financeiros. \u00c9 resultado da m\u00e9dia dos juros<\/strong> praticados por uma s\u00e9rie de bancos da zona euro, nos empr\u00e9stimos que realizam entre si.<\/p>\n\n\n\n

No total, existem 5 taxas Euribor, definidas pelos seus prazos. Nesse sentido, existe Euribor a 1 semana, 1 m\u00eas, 3 meses, 6 meses e 12 meses. No cr\u00e9dito \u00e0 habita\u00e7\u00e3o<\/a>, s\u00e3o consideradas as taxas a 3, 6 e 12 meses.<\/p>\n\n\n\n

Quais as implica\u00e7\u00f5es da Taxa Euribor no cr\u00e9dito \u00e0 habita\u00e7\u00e3o?<\/strong><\/strong> <\/h2>\n\n\n\n

O juro do empr\u00e9stimo \u00e0 habita\u00e7\u00e3o \u00e9 o resultado da soma de duas taxas: o Spread<\/strong> e a Taxa Euribor<\/strong>. O primeiro \u00e9 um valor fixo, acordado com o banco quando contratualiza o empr\u00e9stimo para a casa<\/a>. O segundo difere de acordo com a modalidade escolhida: 3, 6 ou 12 meses.<\/p>\n\n\n\n

Nesse sentido, quando contrata um cr\u00e9dito \u00e0 habita\u00e7\u00e3o e escolhe uma taxa vari\u00e1vel, a presta\u00e7\u00e3o do empr\u00e9stimo oscilar\u00e1 de acordo com a varia\u00e7\u00e3o da Euribor<\/strong> e com o prazo<\/strong> escolhido.<\/p>\n\n\n\n

Por exemplo, se escolheu um prazo de 6 meses, havendo varia\u00e7\u00e3o na taxa, o valor da presta\u00e7\u00e3o vai ser revisto a cada 6 meses. O valor da presta\u00e7\u00e3o mensal pode sofrer tanto varia\u00e7\u00f5es positivas<\/strong> como negativas<\/strong>.<\/p>\n\n\n\n

Por outro lado, quando opta por uma taxa fixa no cr\u00e9dito \u00e0 habita\u00e7\u00e3o, n\u00e3o est\u00e1 \u00e0 merc\u00ea das varia\u00e7\u00f5es da Taxa Euribor. Neste caso, \u00e9 definido o valor da taxa de juro, que n\u00e3o sofrer\u00e1 altera\u00e7\u00f5es ao longo do per\u00edodo amortiza\u00e7\u00e3o do empr\u00e9stimo<\/a>, salvo altera\u00e7\u00f5es contratuais que eventualmente ocorram.<\/p>\n\n\n\n

Por isso, optar por uma taxa fixa ou vari\u00e1vel<\/a> \u00e9 sempre uma decis\u00e3o que dever\u00e1 ser muito bem ponderada.<\/p>\n\n\n\n

Porque est\u00e1 a subir a Taxa Euribor?<\/strong> <\/h2>\n\n\n\n

A subida das taxas de juro \u00e9 determinada pelo Banco Central Europeu (BCE)<\/strong>. Ap\u00f3s a crise financeira de 2008, estes valores t\u00eam vindo a descer de forma a incentivar as empresas e fam\u00edlias a investir<\/strong> na economia<\/strong>.<\/p>\n\n\n\n

No entanto, a tend\u00eancia inverteu-se no in\u00edcio de 2022, muito devido \u00e0 subida de pre\u00e7os e \u00e0 infla\u00e7\u00e3o que afeta, sobretudo, a Europa. Uma das medidas do BCE foi, ent\u00e3o, subir as taxas de juro de modo a incentivar a poupan\u00e7a<\/strong> e tentar travar a crise.<\/p>\n\n\n\n

Como perspetivar a varia\u00e7\u00e3o da Taxa Euribor?<\/strong><\/strong><\/h2>\n\n\n\n

A varia\u00e7\u00e3o da Taxa Euribor<\/strong> \u00e9 dif\u00edcil de perspetivar a m\u00e9dio\/longo prazo. H\u00e1 vari\u00e1veis que afetam o agravamento ou n\u00e3o destes valores de refer\u00eancia, como \u00e9 exemplo a infla\u00e7\u00e3o<\/strong>.<\/p>\n\n\n\n

Desde 2011 que a tend\u00eancia da Taxa Euribor \u00e9 de descida, estando inclusivamente em valores negativos desde 2015. Esta situa\u00e7\u00e3o inverteu-se no in\u00edcio do ano 2022, com a subida dos valores de refer\u00eancia para patamar positivo.<\/p>\n\n\n\n

Quem tem cr\u00e9dito \u00e0 habita\u00e7\u00e3o com taxa vari\u00e1vel est\u00e1 a sentir os efeitos da varia\u00e7\u00e3o da Euribor. O valor das presta\u00e7\u00f5es<\/strong> est\u00e1 a subir e, com isso, a taxa de esfor\u00e7o<\/strong> das fam\u00edlias tem vindo a aumentar.<\/p>\n\n\n\n

A perspetiva \u00e9 que a subida das taxas de juro se mantenha durante algum tempo, n\u00e3o havendo previs\u00e3o de at\u00e9 quando \u00e9 que esta tend\u00eancia se vai prolongar.<\/p>\n\n\n\n

Para o ajudar a estar esclarecido relativamente \u00e0s diferentes op\u00e7\u00f5es financeiras, o blog<\/a> da Go Cr\u00e9dito<\/strong> tem v\u00e1rios conte\u00fados com dicas \u00fateis para gerir as suas finan\u00e7as. Visite-o agora!<\/p>\n\n\n\n

\n
LER MAIS ARTIGOS NO BLOG<\/strong><\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

O ano 2022 ficou marcado pela subida da Taxa Euribor. Descubra as raz\u00f5es que est\u00e3o na origem destas varia\u00e7\u00f5es.<\/p>","protected":false},"author":2,"featured_media":1766,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[39,10,11,13,46],"class_list":["post-1755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-habitacao","tag-comprar-casa","tag-credito-a-habitacao","tag-financiamento","tag-go-credito","tag-taxa-euribor"],"yoast_head":"\nTaxa Euribor: Conhe\u00e7a as raz\u00f5es da sua varia\u00e7\u00e3o!<\/title>\n<meta name=\"description\" content=\"O ano 2022 ficou marcado pela subida da Taxa Euribor. 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