{"id":8401,"date":"2023-11-29T15:12:48","date_gmt":"2023-11-29T15:12:48","guid":{"rendered":"https:\/\/www.jpcreditoeseguros.pt\/?p=8401"},"modified":"2024-01-26T14:01:11","modified_gmt":"2024-01-26T14:01:11","slug":"o-abecedario-do-credito-g-h-i","status":"publish","type":"post","link":"https:\/\/dev.apollotec.pt\/jpcredito\/o-abecedario-do-credito-g-h-i\/","title":{"rendered":"O Abeced\u00e1rio do cr\u00e9dito: G, H, I."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8401\" class=\"elementor elementor-8401\" 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-37fa23e elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"37fa23e\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\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-ae2e47f\" data-id=\"ae2e47f\" 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-7a50f36 elementor-widget elementor-widget-text-editor\" data-id=\"7a50f36\" 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 - v3.18.0 - 20-12-2023 *\/\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<h1>O Abeced\u00e1rio do cr\u00e9dito &#8211; GHI<\/h1>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e01396 elementor-widget elementor-widget-text-editor\" data-id=\"8e01396\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>G &#8211; Garantias<\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8a0bbf elementor-widget elementor-widget-text-editor\" data-id=\"f8a0bbf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Hoje vamos falar-te sobre garantias.<\/p><p>Quando nos referimos a garantias em contexto de cr\u00e9dito, estamos a falar-te das <strong>valias que s\u00e3o usadas para acautelar a aprova\u00e7\u00e3o do financiamento.<\/strong><\/p><p>Embora o tipo de cr\u00e9dito onde \u00e9 mais usual ouvires falar sobre garantias seja o <strong>cr\u00e9dito habita\u00e7\u00e3o<\/strong>, n\u00e3o \u00e9 s\u00f3 neste que elas existem.<\/p><p><span style=\"text-decoration: underline\">Assim, existem dois tipos de garantias: real e pessoal<\/span>.<\/p><p>Garantia real \u00e9 aquela que incide sobre determinado bem, como a tua casa ou o teu autom\u00f3vel por exemplo.<\/p><p>Por outro lado, garantia pessoal \u00e9 aquela que incide sobre a pr\u00f3pria pessoa, como uma livran\u00e7a ou o seguro de vida.<\/p><p><strong>No cr\u00e9dito habita\u00e7\u00e3o, a principal garantia \u00e9 a hipoteca que se constitui sobre o teu im\u00f3vel.<\/strong> Vamos falar mais \u00e0 frente sobre este tema. Contudo, o seguro de vida e o seguro multirriscos tamb\u00e9m acabam por configurar garantias, porque tem como finalidade o acautelamento do cumprimento da obriga\u00e7\u00e3o.<\/p><p>Ainda no \u00e2mbito do cr\u00e9dito habita\u00e7\u00e3o, <strong>pode haver lugar \u00e0 inclus\u00e3o de fiadores.<\/strong> A fian\u00e7a tamb\u00e9m \u00e9 uma garantia.<\/p><p><strong>Por fim, no cr\u00e9dito autom\u00f3vel, a garantia que mais se utiliza \u00e9 a reserva de propriedade do ve\u00edculo<\/strong> enquanto que no cr\u00e9dito pessoal, embora n\u00e3o seja muito usual, a garantia que se usa \u00e9 <strong>a livran\u00e7a.<\/strong><\/p><p>No fundo, estas situa\u00e7\u00f5es servem para o que a institui\u00e7\u00e3o que te vai conceder cr\u00e9dito, fique mais <span style=\"text-decoration: underline\">salvaguardada no caso de haver algum incumprimento no pagamento das presta\u00e7\u00f5es.<\/span><\/p><p>De salientar que, com inclus\u00e3o destas valias, normalmente a aprova\u00e7\u00e3o do cr\u00e9dito \u00e9 mais f\u00e1cil e poder\u00e1 ser mais em conta tamb\u00e9m.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52b5b75 elementor-widget elementor-widget-text-editor\" data-id=\"52b5b75\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>H &#8211; Hipoteca<\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39a6586 elementor-widget elementor-widget-text-editor\" data-id=\"39a6586\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Como vimos anteriormente, a hipoteca \u00e9 um tipo de garantia utilizado no cr\u00e9dito habita\u00e7\u00e3o.<\/p><p>Quando contratas cr\u00e9dito habita\u00e7\u00e3o,<strong> o banco constitui uma hipoteca sobre o teu im\u00f3vel.<\/strong><\/p><p>Ao contr\u00e1rio do que muitos pensam, <strong>n\u00e3o significa que o im\u00f3vel seja do banco<\/strong>. A propriedade da casa \u00e9 sempre tua.<\/p><p>Mas, <span style=\"text-decoration: underline\">se deixares de cumprir com a tua obriga\u00e7\u00e3o de pagamento das presta\u00e7\u00f5es<\/span>, <strong>o banco pode usar a hipoteca constitu\u00edda para abrir um processo executivo e penhorar a tua casa.<\/strong><\/p><p>E a\u00ed sim, podes perder o teu im\u00f3vel.<\/p><p>Ou seja, a hipoteca n\u00e3o \u00e9 nada mais do que <span style=\"text-decoration: underline\">uma valia que garante que, como propriet\u00e1rio do im\u00f3vel, vais cumprir com o teu compromisso de pagar todas as presta\u00e7\u00f5es.<\/span> Caso contr\u00e1rio, corres o risco de perder a tua casa.<\/p><p>Assim, esta hipoteca \u00e9 constitu\u00edda com a <strong>escritura p\u00fablica ou Documento Particular autenticado,<\/strong> quando compras a tua casa. Fica averbada junto da <strong>conservat\u00f3ria do registo predial<\/strong>, at\u00e9 que o cr\u00e9dito seja totalmente liquidado.<\/p><p><strong>Tens cr\u00e9dito habita\u00e7\u00e3o e queres rever as condi\u00e7\u00f5es? <a href=\"https:\/\/www.jpcreditoeseguros.pt\/transferenciach\/\">Podes deixar aqui o teu pedido<\/a>, temos todo o gosto em ajudar.<\/strong><\/p><p><strong>Se est\u00e1s a pensar comprar casa, e queres recorrer a financiamento,<a href=\"https:\/\/www.jpcreditoeseguros.pt\/creditohabitacao\/\"> podes deixar aqui o teu pedido.<\/a><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-514fb3a elementor-widget elementor-widget-text-editor\" data-id=\"514fb3a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>I &#8211; Impostos<\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0eb08f elementor-widget elementor-widget-text-editor\" data-id=\"c0eb08f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Esta \u00e9 palavra que menos agrada a toda a gente: impostos.<\/p><p>Neste artigo, queremos falar-te sobre os <strong>impostos associados ao processo de cr\u00e9dito<\/strong>, que \u00e9 a nossa \u00e1rea.<\/p><p><span style=\"text-decoration: underline\">Quando nos referimos a cr\u00e9dito habita\u00e7\u00e3o, h\u00e1 alguns impostos que temos de ter em conta. Desde logo:<\/span><\/p><p><strong>-Imposto de selo sobre o cr\u00e9dito<\/strong><\/p><p><strong>-Imposto de selo sobre a compra<\/strong><\/p><p><strong>-Importo Municipal sobre a Transmiss\u00e3o Onerosa de Im\u00f3veis (IMT)<\/strong><\/p><p>Al\u00e9m disso, depois de comprares a tua casa, ainda tens de pagar o <strong>Imposto Municipal sobre Im\u00f3veis (IMI)<\/strong> todos os anos. H\u00e1 situa\u00e7\u00f5es em que podes ter isen\u00e7\u00e3o deste pagamento.<\/p><p>Por isso, se est\u00e1s a pensar comprar casa, <span style=\"text-decoration: underline\">n\u00e3o te esque\u00e7as que fazer contas aos impostos que vais ter de pagar.<\/span><\/p><p>Contudo, n\u00e3o \u00e9 s\u00f3 no cr\u00e9dito habita\u00e7\u00e3o que \u00e9 necess\u00e1rio pagar impostos.<\/p><p><strong>No cr\u00e9dito pessoal<\/strong>, por exemplo,<strong> tamb\u00e9m tens de pagar imposto de selo<\/strong>.<\/p><p>O que acontece na maior parte das vezes \u00e9 que este valor \u00e9 inclu\u00eddo no valor do cr\u00e9dito, e acabas por nem perceber que est\u00e1s a pagar imposto, <span style=\"text-decoration: underline\">porque est\u00e1 dilu\u00eddo no valor das presta\u00e7\u00f5es.<\/span><\/p><p>De salientar que, qualquer tipo de cr\u00e9dito que contratas, \u00e9 obrigat\u00f3rio pagar imposto de selo.<\/p><p>Se tens d\u00favidas e precisas da nossa ajuda, <a href=\"https:\/\/wa.me\/351964610897\">n\u00e3o hesites em contactar-nos<\/a>.<\/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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>G &#8211; Garantias Hoje vamos falar-te sobre garantias. Quando nos referimos a garantias em contexto de cr\u00e9dito, estamos a falar-te das valias que s\u00e3o usadas para acautelar a aprova\u00e7\u00e3o do financiamento. Embora o tipo de cr\u00e9dito onde \u00e9 mais usual ouvires falar sobre garantias seja o cr\u00e9dito habita\u00e7\u00e3o, n\u00e3o \u00e9 s\u00f3 neste que elas existem. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8679,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,17],"tags":[11,12,13,28,21,59,15,60,61,62],"class_list":["post-8401","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito","category-dicas-de-poupanca","tag-comprar-casa","tag-credito","tag-credito-habitacao","tag-dicas-de-poupanca","tag-garantias","tag-hipoteca","tag-impostos","tag-imt","tag-reserva","tag-selo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>O Abeced\u00e1rio do cr\u00e9dito: G, H, I. - JP Cr\u00e9dito e Seguros<\/title>\n<meta name=\"description\" content=\"Neste artigo podes saber mais sobre as v\u00e1rias garantias exigidas na contrata\u00e7\u00e3o de cr\u00e9dito. 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