{"id":21313,"date":"2022-05-27T13:17:42","date_gmt":"2022-05-27T13:17:42","guid":{"rendered":"https:\/\/financia-solutions.ch\/perguntas-mais-frequentes\/"},"modified":"2023-10-09T20:47:27","modified_gmt":"2023-10-09T20:47:27","slug":"perguntas-mais-frequentes","status":"publish","type":"page","link":"https:\/\/financia-solutions.ch\/pt-pt\/perguntas-mais-frequentes\/","title":{"rendered":"Perguntas Mais Frequentes"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.17.4″ background_enable_color=”off” background_image=”https:\/\/financia-solutions.ch\/wp-content\/uploads\/insurance-5-57-1.jpg” saved_tabs=”all” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.16″ title_font=”||||||||” title_text_align=”left” title_text_color=”#ffffff” global_colors_info=”{}”][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”90px|0px|90px|0px|true|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_toggle title=”Quais s\u00e3o as condi\u00e7\u00f5es para a concess\u00e3o de cr\u00e9dito?” open=”on” open_toggle_text_color=”#297FCA” open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_text_color=”#297FCA” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”rgba(0,0,0,0)” open_icon_color=”rgba(0,0,0,0)” _builder_version=”4.17.4″ title_text_color=”#297FCA” title_font=”Nunito Sans||||||||” title_font_size=”20px” body_font=”Nunito Sans||||||||” body_text_color=”#5499D4″ body_font_size=”16px” body_line_height=”1.8em” background_color=”rgba(0,0,0,0)” custom_padding=”0px||28px||false” border_width_all=”0px” border_width_bottom=”1px” border_color_bottom=”#e8e8e8″ global_colors_info=”{}”]<\/p>\n

Uma condi\u00e7\u00e3o essencial \u00e9 que sejam maior de idade e esteja empregado. A concess\u00e3o de cr\u00e9dito \u00e9 baseada num exame dos seus dados pessoais e na Lei Federal sobre o Cr\u00e9dito ao Consumo (LCC) e nas orienta\u00e7\u00f5es internas do banco. A concess\u00e3o de cr\u00e9dito \u00e9 proibida se conduzir ao sobreendividamento do consumidor (declara\u00e7\u00e3o legal de acordo com o Art. 3 LCD).<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Qual \u00e9 a quantia m\u00e1xima que posso receber?” open_toggle_text_color=”#297FCA” open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_text_color=”#297FCA” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”rgba(0,0,0,0)” open_icon_color=”rgba(0,0,0,0)” _builder_version=”4.17.4″ title_text_color=”#297FCA” title_font=”Nunito Sans||||||||” title_font_size=”20px” body_font=”Nunito Sans||||||||” body_text_color=”#5499D4″ body_font_size=”16px” body_line_height=”1.8em” background_color=”rgba(0,0,0,0)” custom_padding=”0px||28px||false” border_width_all=”0px” border_width_bottom=”1px” border_color_bottom=”#e8e8e8″ global_colors_info=”{}”]O montante do financiamento \u00e9 adaptado \u00e0 sua situa\u00e7\u00e3o financeira pessoal e varia de pessoa para pessoa. Ao solicitar um empr\u00e9stimo, basta introduzir os seus dados pessoais e o montante desejado. Iremos preparar uma oferta personalizada. A concess\u00e3o de cr\u00e9dito \u00e9 proibida se conduzir ao sobreendividamento do consumidor (declara\u00e7\u00e3o legal de acordo com o Art. 3 LCD).[\/et_pb_toggle][et_pb_toggle title=”De que documentos precisam?” open_toggle_text_color=”#297FCA” open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_text_color=”#297FCA” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”rgba(0,0,0,0)” open_icon_color=”rgba(0,0,0,0)” _builder_version=”4.17.4″ title_text_color=”#297FCA” title_font=”Nunito Sans||||||||” title_font_size=”20px” body_font=”Nunito Sans||||||||” body_text_color=”#5499D4″ body_font_size=”16px” body_line_height=”1.8em” background_color=”rgba(0,0,0,0)” custom_padding=”0px||28px||false” border_width_all=”0px” border_width_bottom=”1px” border_color_bottom=”#e8e8e8″ global_colors_info=”{}”]Para processar o seu pedido de financiamento, precisamos do seu pedido de cr\u00e9dito preenchido, uma c\u00f3pia de um documento de identidade (passaporte, bilhete de identidade ou carta de condu\u00e7\u00e3o. Para os estrangeiros, precisamos tamb\u00e9m de uma c\u00f3pia da licen\u00e7a do estrangeiro) e de uma folha de sal\u00e1rio actual. Contact\u00e1-lo-emos se forem necess\u00e1rios mais documentos, por exemplo, uma atesta\u00e7\u00e3o da sua situa\u00e7\u00e3o habitacional, profissional ou financeira, ou informa\u00e7\u00f5es sobre cr\u00e9ditos anteriores.[\/et_pb_toggle][et_pb_toggle title=”Quais s\u00e3o os requisitos para a concess\u00e3o de cr\u00e9dito?” open_toggle_text_color=”#297FCA” open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_text_color=”#297FCA” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”rgba(0,0,0,0)” open_icon_color=”rgba(0,0,0,0)” _builder_version=”4.17.4″ title_text_color=”#297FCA” title_font=”Nunito Sans||||||||” title_font_size=”20px” body_font=”Nunito Sans||||||||” body_text_color=”#5499D4″ body_font_size=”16px” body_line_height=”1.8em” background_color=”rgba(0,0,0,0)” custom_padding=”0px||28px||false” border_width_all=”0px” border_width_bottom=”1px” border_color_bottom=”#e8e8e8″ global_colors_info=”{}”]De acordo com as disposi\u00e7\u00f5es legais, o mutu\u00e1rio deve ser solvente. Isto significa que um cr\u00e9dito s\u00f3 pode ser concedido se o mutu\u00e1rio for capaz de reembolsar o montante do cr\u00e9dito, incluindo os juros, com a parte penhor\u00e1vel do rendimento no prazo de 36 meses. Isto tamb\u00e9m se aplica quando se escolhe uma dura\u00e7\u00e3o mais longa. Al\u00e9m disso, cada banco tamb\u00e9m verifica a solvabilidade. Estas condi\u00e7\u00f5es podem variar de uma institui\u00e7\u00e3o financeira para outra.[\/et_pb_toggle][et_pb_toggle title=”A taxa de juro \u00e9 garantida?” open_toggle_text_color=”#297FCA” open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_text_color=”#297FCA” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”rgba(0,0,0,0)” open_icon_color=”rgba(0,0,0,0)” _builder_version=”4.22.2″ title_text_color=”#297FCA” title_font=”Nunito Sans||||||||” title_font_size=”20px” body_font=”Nunito Sans||||||||” body_text_color=”#5499D4″ body_font_size=”16px” body_line_height=”1.8em” background_color=”rgba(0,0,0,0)” custom_padding=”0px||28px||false” hover_enabled=”0″ border_width_all=”0px” border_width_bottom=”1px” border_color_bottom=”#e8e8e8″ global_colors_info=”{}” sticky_enabled=”0″]Uma vez que cada cliente \u00e9 diferente e \u00e9 imposs\u00edvel fazer declara\u00e7\u00f5es gerais sobre compara\u00e7\u00f5es de cr\u00e9dito individuais, a gama de taxas de juro habitual no mercado \u00e9 aqui decisiva. O montante exacto da taxa de juro para um empr\u00e9stimo individual \u00e9, portanto, comunicado quando o pedido de empr\u00e9stimo \u00e9 processado. Dependendo do banco, a gama de taxas de juro entre 5,9% e 10,95%. O credor seleccionado pelo candidato verificar\u00e1 a candidatura em pormenor. Reserva-se o direito de revogar ou ajustar a oferta, em particular se os dados forem considerados incorrectos ou incompletos, ou por outras raz\u00f5es (por exemplo, conformidade).[\/et_pb_toggle][et_pb_toggle title=”Posso estar segurado em caso de acidente, doen\u00e7a ou perda de emprego?” open_toggle_text_color=”#297FCA” open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_text_color=”#297FCA” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”rgba(0,0,0,0)” open_icon_color=”rgba(0,0,0,0)” _builder_version=”4.17.4″ title_text_color=”#297FCA” title_font=”Nunito Sans||||||||” title_font_size=”20px” body_font=”Nunito Sans||||||||” body_text_color=”#5499D4″ body_font_size=”16px” body_line_height=”1.8em” background_color=”rgba(0,0,0,0)” custom_padding=”0px||28px||false” border_width_all=”0px” border_color_bottom=”#e8e8e8″ global_colors_info=”{}”]<\/p>\n

Alguns credores permitem que o cr\u00e9dito privado seja segurado, geralmente contra incapacidade para o trabalho por doen\u00e7a ou acidente, bem como contra perda n\u00e3o culposa de emprego. A compara\u00e7\u00e3o de cr\u00e9dito no Valuu permite-lhe ver se o credor oferece tal seguro para o cr\u00e9dito.<\/p>\n

[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”FAQ” _builder_version=”4.16″ background_color=”#E4F1FD” custom_padding=”66px|0px|70px|0px|false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”45px|0px|45px|0px” custom_width_px=”710px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ background_position=”top_left” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”1″ _builder_version=”4.17.4″ header_font=”Nunito Sans|700|||||||” header_text_color=”#297FCA” text_orientation=”center” max_width=”710px” module_alignment=”center” animation_style=”fold” animation_direction=”bottom” animation_intensity_fold=”20%” global_colors_info=”{}”]<\/p>\n

Perguntas mais frequentes<\/h1>\n

[\/et_pb_text][et_pb_text admin_label=”1″ _builder_version=”4.17.4″ text_font=”Nunito Sans||||||||” text_text_color=”#5499D4″ text_line_height=”1.9em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”710px” module_alignment=”center” animation_style=”fold” animation_direction=”bottom” animation_intensity_fold=”20%” global_colors_info=”{}”]As nossas FAQ cont\u00eam respostas a perguntas frequentes sobre cr\u00e9dito, leasing e financiamento.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”40px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”1″ _builder_version=”4.17.4″ text_font=”Nunito Sans||||||||” text_text_color=”#5499D4″ text_line_height=”1.9em” header_font=”Nunito Sans|700|||||||” header_text_color=”#297FCA” header_font_size=”20px” header_line_height=”1.4em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”710px” module_alignment=”center” animation_style=”fold” animation_direction=”bottom” animation_intensity_fold=”20%” global_colors_info=”{}”]<\/p>\n

Qual \u00e9 a dura\u00e7\u00e3o m\u00ednima\/m\u00e1xima do meu cr\u00e9dito privado?<\/h1>\n

A dura\u00e7\u00e3o do cr\u00e9dito varia entre 6 meses e um m\u00e1ximo de 7 anos.[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”1″ _builder_version=”4.17.4″ text_font=”Nunito Sans||||||||” text_text_color=”#5499D4″ text_line_height=”1.9em” header_font=”Nunito Sans|700|||||||” header_text_color=”#297FCA” header_font_size=”20px” header_line_height=”1.4em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”710px” module_alignment=”center” animation_style=”fold” animation_direction=”bottom” animation_intensity_fold=”20%” global_colors_info=”{}”]<\/p>\n

Posso revogar o meu contrato de cr\u00e9dito?<\/h1>\n

Sim, tem um per\u00edodo de revoga\u00e7\u00e3o de at\u00e9 catorze dias ap\u00f3s a assinatura do contrato.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.17.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”40px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”1″ _builder_version=”4.17.4″ text_font=”Nunito Sans||||||||” text_text_color=”#5499D4″ text_line_height=”1.9em” header_font=”Nunito Sans|700|||||||” header_text_color=”#297FCA” header_font_size=”20px” header_line_height=”1.4em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”710px” module_alignment=”center” animation_style=”fold” animation_direction=”bottom” animation_intensity_fold=”20%” global_colors_info=”{}”]<\/p>\n

Quando tenho de reembolsar o montante do cr\u00e9dito?<\/h1>\n

O montante do empr\u00e9stimo \u00e9 reembolsado mensalmente, em presta\u00e7\u00f5es constantes. S\u00e3o poss\u00edveis reembolsos adicionais em qualquer altura.[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”1″ _builder_version=”4.17.4″ text_font=”Nunito Sans||||||||” text_text_color=”#5499D4″ text_line_height=”1.9em” header_font=”Nunito Sans|700|||||||” header_text_color=”#297FCA” header_font_size=”20px” header_line_height=”1.4em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”710px” module_alignment=”center” animation_style=”fold” animation_direction=”bottom” animation_intensity_fold=”20%” global_colors_info=”{}”]<\/p>\n

Que custos se aplicam ao meu cr\u00e9dito privado?<\/h1>\n

Paga-se uma taxa de juro fixa todos os meses. Os encargos com juros est\u00e3o inclu\u00eddos no pagamento mensal.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Uma condi\u00e7\u00e3o essencial \u00e9 que sejam maior de idade e esteja empregado. A concess\u00e3o de cr\u00e9dito \u00e9 baseada num exame dos seus dados pessoais e na Lei Federal sobre o Cr\u00e9dito ao Consumo (LCC) e nas orienta\u00e7\u00f5es internas do banco. A concess\u00e3o de cr\u00e9dito \u00e9 proibida se conduzir ao sobreendividamento do consumidor (declara\u00e7\u00e3o legal de […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":90,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-21313","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/financia-solutions.ch\/pt-pt\/wp-json\/wp\/v2\/pages\/21313","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financia-solutions.ch\/pt-pt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financia-solutions.ch\/pt-pt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financia-solutions.ch\/pt-pt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financia-solutions.ch\/pt-pt\/wp-json\/wp\/v2\/comments?post=21313"}],"version-history":[{"count":6,"href":"https:\/\/financia-solutions.ch\/pt-pt\/wp-json\/wp\/v2\/pages\/21313\/revisions"}],"predecessor-version":[{"id":21400,"href":"https:\/\/financia-solutions.ch\/pt-pt\/wp-json\/wp\/v2\/pages\/21313\/revisions\/21400"}],"wp:attachment":[{"href":"https:\/\/financia-solutions.ch\/pt-pt\/wp-json\/wp\/v2\/media?parent=21313"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}