{"id":477,"date":"2022-05-05T16:27:09","date_gmt":"2022-05-05T16:27:09","guid":{"rendered":"https:\/\/wp.omeuimo.pt\/himobiliaria\/?p=477"},"modified":"2022-05-05T16:27:09","modified_gmt":"2022-05-05T16:27:09","slug":"taxa-fixa-uma-solucao-para-escapar-a-subida-da-euribor","status":"publish","type":"post","link":"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/taxa-fixa-uma-solucao-para-escapar-a-subida-da-euribor\/","title":{"rendered":"Taxa fixa &#8211; Uma solu\u00e7\u00e3o para escapar \u00e0 subida da EURIBOR"},"content":{"rendered":"<p>A <strong>EURIBOR<\/strong> (taxa de juro de refer\u00eancia para o cr\u00e9dito \u00e0 habita\u00e7\u00e3o) manteve-se em terreno negativo durante anos, <strong>mas<\/strong> a <strong>tend\u00eancia<\/strong> de <strong>subida<\/strong> que se verifica h\u00e1 alguns meses <strong>acelerou<\/strong> em<strong> abril<\/strong> e ir\u00e1 <strong>refletir-se <\/strong>no <strong>valor<\/strong> da <strong>presta\u00e7\u00e3o <\/strong>da<strong> casa<\/strong> dos <strong>contratos<\/strong> cuja <strong>taxa indexante<\/strong> seja <strong>revista <\/strong>em <strong>maio<\/strong>.<\/p>\n<p>Segundo as \u00faltimas informa\u00e7\u00f5es divulgadas pelo <strong>Banco Central Europeu,<\/strong> as <strong>taxas <\/strong>de<strong> juro diretoras<\/strong> podem subir j\u00e1 em <strong>julho. <\/strong>As <strong>oscila\u00e7\u00f5es<\/strong> nas <strong>taxas<\/strong> de <strong>juro diretoras<\/strong> t\u00eam <strong>impacto direto<\/strong> na <strong>EURIBOR<\/strong> e, por consequ\u00eancia, no <strong>custo<\/strong> da <strong>presta\u00e7\u00e3o<\/strong> da<strong> casa<\/strong>.<\/p>\n<p>Perante esta <strong>tend\u00eancia<\/strong>, caso pretenda <strong>comprar casa<\/strong> com recurso ao <strong>cr\u00e9dito<\/strong> \u00e0 <strong>habita\u00e7\u00e3o, <\/strong>pondere <strong>indexar<\/strong> ao <strong>contrato<\/strong> uma <strong>taxa <\/strong>de juro<strong> fixa<\/strong>. J\u00e1 possui um <strong>contrato <\/strong>de <strong>cr\u00e9dito<\/strong> \u00e0<strong> habita\u00e7\u00e3o<\/strong>? Chegou a hora de o <strong>rever<\/strong>, caso tenha <strong>optado<\/strong> pela taxa de juro <strong>vari\u00e1vel<\/strong> ou <strong>mista<\/strong>.<\/p>\n<p>A <strong>H Imobili\u00e1ria <\/strong>diz-lhe <strong>porqu\u00ea<\/strong>!<\/p>\n<p>A\u00a0<strong>EURIBOR<\/strong>\u00a0resulta da\u00a0m\u00e9dia das taxas de juro dos empr\u00e9stimos\u00a0feitos entre os bancos da zona Euro, isto \u00e9, est\u00e1 sujeita a\u00a0<strong>oscila\u00e7\u00f5es\u00a0<\/strong>que se refletem\u00a0no\u00a0<strong>valor<\/strong>\u00a0da\u00a0<strong>presta\u00e7\u00e3o <\/strong>se <strong>indexar<\/strong> ao <strong>contrato<\/strong> do <strong>cr\u00e9dito<\/strong>\u00a0\u00e0\u00a0<strong>habita\u00e7\u00e3o<\/strong> uma\u00a0<strong>taxa <\/strong>de juro<strong> vari\u00e1vel\u00a0<\/strong>ou<strong>\u00a0mista<\/strong>.<\/p>\n<p>Caso opte pela\u00a0<strong>taxa\u00a0<\/strong>de juro<strong>\u00a0fixa<\/strong>, negociada no momento em que solicita o empr\u00e9stimo, o valor da mesma\u00a0<strong>n\u00e3o sofre altera\u00e7\u00f5es<\/strong>\u00a0ao longo do\u00a0<strong>contrato<\/strong>, ou seja,\u00a0<strong>indexar<\/strong>\u00a0uma\u00a0<strong>taxa<\/strong>\u00a0de juro\u00a0<strong>fixa<\/strong>\u00a0ao seu contrato de cr\u00e9dito \u00e0 habita\u00e7\u00e3o permite-lhe &#8220;escapar&#8221; ao\u00a0<strong>impacto<\/strong>\u00a0da\u00a0<strong>subida<\/strong>\u00a0da\u00a0<strong>EURIBOR<\/strong>\u00a0no custo da presta\u00e7\u00e3o da casa.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A EURIBOR (taxa de juro de refer\u00eancia para o cr\u00e9dito \u00e0 habita\u00e7\u00e3o) manteve-se em terreno negativo durante anos, mas a tend\u00eancia de subida que se verifica h\u00e1 alguns meses acelerou em abril e ir\u00e1 refletir-se no valor da presta\u00e7\u00e3o da casa dos contratos cuja taxa indexante seja revista em maio. Segundo as \u00faltimas informa\u00e7\u00f5es divulgadas &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/taxa-fixa-uma-solucao-para-escapar-a-subida-da-euribor\/\" class=\"more-link\">Continuar a ler <span class=\"screen-reader-text\">&#8220;Taxa fixa &#8211; Uma solu\u00e7\u00e3o para escapar \u00e0 subida da EURIBOR&#8221;<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":481,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-477","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias"],"yoast_meta":{"yoast_wpseo_title":"","yoast_wpseo_metadesc":"","yoast_wpseo_canonical":""},"_links":{"self":[{"href":"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/wp-json\/wp\/v2\/posts\/477","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/wp-json\/wp\/v2\/comments?post=477"}],"version-history":[{"count":1,"href":"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/wp-json\/wp\/v2\/posts\/477\/revisions"}],"predecessor-version":[{"id":478,"href":"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/wp-json\/wp\/v2\/posts\/477\/revisions\/478"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/wp-json\/wp\/v2\/media\/481"}],"wp:attachment":[{"href":"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/wp-json\/wp\/v2\/media?parent=477"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/wp-json\/wp\/v2\/categories?post=477"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpqa.omeuimo.pt\/himobiliaria\/wp-json\/wp\/v2\/tags?post=477"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}