{"id":3701,"date":"2022-11-10T18:43:16","date_gmt":"2022-11-10T18:43:16","guid":{"rendered":"https:\/\/l1-real-estate.com\/index.php\/hipotecas-portuguesas\/"},"modified":"2022-11-14T15:26:45","modified_gmt":"2022-11-14T15:26:45","slug":"hipotecas-portuguesas","status":"publish","type":"page","link":"https:\/\/l1-real-estate.com\/index.php\/hipotecas-portuguesas\/?lang=pt-pt","title":{"rendered":"Hipotecas portuguesas"},"content":{"rendered":"<p>[vc_row el_class=&#8221;pt5e&#8221;][vc_column css=&#8221;.vc_custom_1542620475687{margin-right: 8.547% !important;margin-left: 8.547% !important;}&#8221;]<div class=\"sc_content content_wrap\"><h1 class=\"sc_title sc_title_regular sc_align_center\" style=\"text-align:center;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2216 size-large_image_11\" src=\"https:\/\/l1-real-estate.com\/wp-content\/uploads\/2022\/11\/IMG_2079-870x455.png\" alt=\"\" width=\"870\" height=\"455\" srcset=\"https:\/\/l1-real-estate.com\/wp-content\/uploads\/2022\/11\/IMG_2079-870x455.png 870w, https:\/\/l1-real-estate.com\/wp-content\/uploads\/2022\/11\/IMG_2079-300x157.png 300w, https:\/\/l1-real-estate.com\/wp-content\/uploads\/2022\/11\/IMG_2079-1024x536.png 1024w, https:\/\/l1-real-estate.com\/wp-content\/uploads\/2022\/11\/IMG_2079-768x402.png 768w, https:\/\/l1-real-estate.com\/wp-content\/uploads\/2022\/11\/IMG_2079-1170x612.png 1170w, https:\/\/l1-real-estate.com\/wp-content\/uploads\/2022\/11\/IMG_2079-390x204.png 390w, https:\/\/l1-real-estate.com\/wp-content\/uploads\/2022\/11\/IMG_2079.png 1200w\" sizes=\"auto, (max-width: 870px) 100vw, 870px\" \/>Cr\u00e9dito Habita\u00e7\u00e3o<\/h1><\/div>[vc_column_text]<em>A sua solidez financeira e avalia\u00e7\u00e3o imobili\u00e1ria ser\u00e3o avaliadas da seguinte forma:<\/em><\/p>\n<p><strong>Rendimento. <\/strong>O banco exigir\u00e1 provas dos seus ganhos atuais, tais como rendimentos salariais, pagamentos de dividendos, rendimentos de investimentos, rendimentos de pens\u00f5es e rendimentos de rendas. Esta informa\u00e7\u00e3o ajudar\u00e1 o credor a verificar se pode pagar confortavelmente o custo mensal do seu cr\u00e9dito. O banco tamb\u00e9m considerar\u00e1 o rendimento l\u00edquido de cada candidato confirmado por recibos salariais\/pens\u00e3o, declara\u00e7\u00e3o de impostos e extratos banc\u00e1rios.<\/p>\n<p><strong>As d\u00edvidas existentes.<\/strong> O credor necessitar\u00e1 de confirma\u00e7\u00e3o atrav\u00e9s de um relat\u00f3rio de cr\u00e9dito ou de um extrato de empr\u00e9stimo a fim de analisar os seus compromissos fixos mensais para as responsabilidades existentes, tais como hipotecas, empr\u00e9stimos pessoais e cart\u00f5es de cr\u00e9dito.<\/p>\n<p><strong>Hist\u00f3ria do emprego<\/strong>. O credor exigir\u00e1 prova do seu emprego actual sob a forma de uma carta de refer\u00eancia do empregador. Se for trabalhador por conta pr\u00f3pria, um banco ir\u00e1 requerer informa\u00e7\u00e3o sobre a sua empresa, confirmada pelo seu contabilista.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Historial de cr\u00e9dito.<\/strong> Um banco exigir\u00e1 um relat\u00f3rio de cr\u00e9dito do seu pa\u00eds de resid\u00eancia (se dispon\u00edvel) e tamb\u00e9m ir\u00e1 proceder a uma verifica\u00e7\u00e3o junto do Banco de Portugal para quaisquer responsabilidades existentes no pa\u00eds.<\/p>\n<p><strong>Avalia\u00e7\u00e3o imobili\u00e1ria.<\/strong> Um banco encarregar\u00e1 um engenheiro independente de avaliar a sua propriedade. Os bancos est\u00e3o atualmente a emprestar entre 60-80% do pre\u00e7o de avalia\u00e7\u00e3o. Estabeleceremos a liga\u00e7\u00e3o com o detentor da chave nomeado e marcaremos uma visita ao im\u00f3vel com o engenheiro designado. Tamb\u00e9m trataremos de toda a documenta\u00e7\u00e3o de propriedade necess\u00e1ria para o banco.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row el_class=&#8221;pt5e&#8221;][vc_column css=&#8221;.vc_custom_1542620475687{margin-right: 8.547% !important;margin-left: 8.547% !important;}&#8221;][vc_column_text]A sua solidez financeira e avalia\u00e7\u00e3o imobili\u00e1ria ser\u00e3o avaliadas da seguinte forma: Rendimento. O banco exigir\u00e1 provas dos seus ganhos atuais, tais como rendimentos salariais, pagamentos de dividendos, rendimentos de investimentos, rendimentos de pens\u00f5es e rendimentos de rendas. Esta informa\u00e7\u00e3o ajudar\u00e1 o credor a verificar se pode pagar confortavelmente [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2907,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-3701","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hipotecas portuguesas - L1 Property &amp; Real Estate Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/l1-real-estate.com\/index.php\/hipotecas-portuguesas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hipotecas portuguesas - L1 Property &amp; Real Estate Management\" \/>\n<meta property=\"og:description\" content=\"[vc_row el_class=&#8221;pt5e&#8221;][vc_column css=&#8221;.vc_custom_1542620475687{margin-right: 8.547% !important;margin-left: 8.547% !important;}&#8221;][vc_column_text]A sua solidez financeira e avalia\u00e7\u00e3o imobili\u00e1ria ser\u00e3o avaliadas da seguinte forma: Rendimento. 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