{"id":792,"date":"2023-05-14T18:27:15","date_gmt":"2023-05-14T16:27:15","guid":{"rendered":"https:\/\/regbu.com\/?p=792"},"modified":"2025-09-05T07:42:36","modified_gmt":"2025-09-05T05:42:36","slug":"hypotecni-uver-vs-uver-ze-stavebniho-sporeni","status":"publish","type":"post","link":"https:\/\/regbu.com\/pt\/mortgage-credit-vs-credit-from-construction-solutions\/","title":{"rendered":"Empr\u00e9stimo hipotec\u00e1rio vs. empr\u00e9stimo da sociedade de cr\u00e9dito imobili\u00e1rio"},"content":{"rendered":"<p>Um empr\u00e9stimo hipotec\u00e1rio e um empr\u00e9stimo da sociedade de cr\u00e9dito imobili\u00e1rio s\u00e3o produtos financeiros relacionados com a aquisi\u00e7\u00e3o de bens imobili\u00e1rios. Os apartamentos, as casas e os terrenos para constru\u00e7\u00e3o representam <a href=\"https:\/\/regbu.com\/pt\/as-possibilidades-de-investimento-sao-bastante-ricas\/\"><strong>oportunidades de investimento<\/strong><\/a>. Se sonha em ter a sua pr\u00f3pria casa e n\u00e3o tem dinheiro suficiente, existem basicamente tr\u00eas op\u00e7\u00f5es dispon\u00edveis, que discutiremos mais pormenorizadamente nas linhas seguintes.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Empr\u00e9stimo hipotec\u00e1rio<\/li>\n\n\n\n<li>Empr\u00e9stimo intercalar<\/li>\n\n\n\n<li>Empr\u00e9stimo adequado da sociedade de cr\u00e9dito imobili\u00e1rio<\/li>\n<\/ul>\n\n\n\n<p>Com a ajuda destes produtos de cr\u00e9dito, pode financiar mais do que apenas a compra de um im\u00f3vel. Muitas outras solu\u00e7\u00f5es est\u00e3o tamb\u00e9m dispon\u00edveis sob a forma de <strong>reconstru\u00e7\u00e3o e moderniza\u00e7\u00e3o<\/strong>. A constru\u00e7\u00e3o completa da casa de fam\u00edlia e a partilha dos bens entre os c\u00f4njuges constituem um cap\u00edtulo \u00e0 parte.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A disponibilidade de cr\u00e9dito hipotec\u00e1rio est\u00e1 a piorar<\/h2>\n\n\n\n<p>Em primeiro lugar, vejamos o financiamento imobili\u00e1rio de uma forma um pouco mais geral. O boom do cr\u00e9dito hipotec\u00e1rio est\u00e1 obviamente ligado a um calend\u00e1rio. Basta olhar para os anos anteriores e para a evolu\u00e7\u00e3o dos pre\u00e7os dos im\u00f3veis, que tamb\u00e9m est\u00e3o ligados \u00e0 evolu\u00e7\u00e3o das taxas de juro e ao interesse dos potenciais clientes. Por exemplo, podemos olhar para os dados hist\u00f3ricos relativos aos anos anteriores na Rep\u00fablica Checa.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Ano<\/strong><\/td><td><strong>Taxa de juro<\/strong><\/td><\/tr><tr><td>2005<\/td><td>4,25 %<\/td><\/tr><tr><td>2009<\/td><td>5,56 %<\/td><\/tr><tr><td>2016<\/td><td>2,13 %<\/td><\/tr><tr><td>2022<\/td><td>4,88 %<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Qual foi a evolu\u00e7\u00e3o das taxas de juro das hipotecas na Rep\u00fablica Checa nos \u00faltimos anos?<\/figcaption><\/figure>\n\n\n\n<p>Um empr\u00e9stimo de uma sociedade de cr\u00e9dito imobili\u00e1rio normalmente <em>concorre com um empr\u00e9stimo hipotec\u00e1rio em termos de taxa de juro<\/em>. N\u00e3o se pode certamente esperar grandes diferen\u00e7as. Estas t\u00eam mais a ver com os pr\u00f3prios produtos. Cada um deles tem certas vantagens e desvantagens.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Empr\u00e9stimo hipotec\u00e1rio de um banco<\/h3>\n\n\n\n<p>Neste artigo, centramo-nos num empr\u00e9stimo hipotec\u00e1rio concedido por uma institui\u00e7\u00e3o banc\u00e1ria. \u00c9 claro que tamb\u00e9m existem no mercado empresas n\u00e3o banc\u00e1rias que oferecem montantes mais elevados. No entanto, estas est\u00e3o normalmente associadas a taxas de juro elevadas e a prazos de reembolso desfavor\u00e1veis.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>O cr\u00e9dito imobili\u00e1rio \u00e9 concedido pelas caixas econ\u00f3micas e constitui um dos produtos dominantes da sua carteira. <\/p>\n<cite>Barbara S., empregada banc\u00e1ria.<\/cite><\/blockquote>\n\n\n\n<p>O empr\u00e9stimo intercalar mencionado na introdu\u00e7\u00e3o deste artigo est\u00e1 intimamente ligado a um empr\u00e9stimo regular da sociedade de cr\u00e9dito imobili\u00e1rio. <strong>Por conseguinte, insere-se na gama de produtos das caixas econ\u00f3micas<\/strong>. Mas mais sobre isso nas linhas seguintes.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-1024x579.jpg\" alt=\"\" class=\"wp-image-794\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-768x434.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">O dinheiro do empr\u00e9stimo hipotec\u00e1rio pode ser utilizado principalmente para financiar a propriedade familiar.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Empr\u00e9stimo hipotec\u00e1rio e tudo o que lhe diz respeito<\/h2>\n\n\n\n<p>Um empr\u00e9stimo hipotec\u00e1rio provavelmente n\u00e3o precisa de ser apresentado em pormenor. No entanto, para os menos familiarizados, temos uma breve defini\u00e7\u00e3o. Trata-se de um tipo de empr\u00e9stimo a longo prazo que envolve uma hipoteca sobre um im\u00f3vel. Normalmente, \u00e9 a propriedade que est\u00e1 a ser financiada, mas as propriedades de terceiros n\u00e3o s\u00e3o excep\u00e7\u00e3o.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O valor do im\u00f3vel deve corresponder ao montante da hipoteca<\/li>\n\n\n\n<li>Podem ser garantidos v\u00e1rios tipos de bens<\/li>\n\n\n\n<li>No caso de terceiros, \u00e9 necess\u00e1rio o seu consentimento<\/li>\n<\/ul>\n\n\n\n<p>Se outra pessoa garantir o im\u00f3vel que est\u00e1 a comprar, <em>as responsabilidades associadas \u00e0 sua insolv\u00eancia s\u00e3o transferidas para ele<\/em>. Isto significa que, se n\u00e3o pagar atempadamente o seu empr\u00e9stimo hipotec\u00e1rio, \u00e9 o terceiro que pode ficar em apuros.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vantagens de um empr\u00e9stimo hipotec\u00e1rio<\/h3>\n\n\n\n<p>Comecemos por nos concentrarmos nas vantagens de um empr\u00e9stimo hipotec\u00e1rio. As caracter\u00edsticas positivas deste produto de empr\u00e9stimo s\u00e3o mais do que suficientes. Se come\u00e7armos pelo princ\u00edpio, trata-se essencialmente de um dos empr\u00e9stimos mais f\u00e1ceis e mais econ\u00f3micos, adequado para a aquisi\u00e7\u00e3o de qualquer tipo de im\u00f3vel.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Assunto<\/strong><\/td><td><strong>Valor<\/strong><\/td><\/tr><tr><td>Propriedades de investimento<\/td><td>Sim<\/td><\/tr><tr><td>Propriedade comercial<\/td><td>Sim<\/td><\/tr><tr><td>Propriedade do im\u00f3vel<\/td><td>Sim<\/td><\/tr><tr><td>Tempo de fixa\u00e7\u00e3o<\/td><td>Um a v\u00e1rios anos<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Sabe em que \u00e9 que pode utilizar o dinheiro que recebe de um empr\u00e9stimo hipotec\u00e1rio?<\/figcaption><\/figure>\n\n\n\n<p>Como tal, o empr\u00e9stimo hipotec\u00e1rio destina-se principalmente \u00e0 aquisi\u00e7\u00e3o de im\u00f3veis familiares e de lazer. Para a aquisi\u00e7\u00e3o de im\u00f3veis comerciais, deve ser escolhida uma hipoteca ligeiramente modificada. No que diz respeito ao per\u00edodo de fixa\u00e7\u00e3o, representa uma garantia sob a forma de uma taxa de juro fixa durante o seu per\u00edodo de validade. Esta pode durar um ano, tr\u00eas anos, cinco anos ou mais.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Desvantagens de uma hipoteca<\/h3>\n\n\n\n<p>O que \u00e9 vantajoso para um pode n\u00e3o ser vantajoso para outro. Por conseguinte, deve tamb\u00e9m conhecer os aspectos negativos que acompanham um empr\u00e9stimo hipotec\u00e1rio. <strong>Por exemplo, \u00e9 necess\u00e1rio ter em conta um compromisso de cr\u00e9dito por um per\u00edodo de tempo relativamente longo<\/strong>. A maior parte das vezes, tem entre vinte e trinta anos. O processo administrativo pode ser um pouco longo.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Para obter um empr\u00e9stimo hipotec\u00e1rio, \u00e9 necess\u00e1rio ter poupado um montante correspondente. Este montante corresponde geralmente a cerca de 20 % do valor do im\u00f3vel.<\/p>\n<cite>Olivia S., empregada banc\u00e1ria.<\/cite><\/blockquote>\n\n\n\n<p>Consoante a escolha do empr\u00e9stimo hipotec\u00e1rio, deve tamb\u00e9m ter em conta os encargos associados a este produto. Ao mesmo tempo, tenha em aten\u00e7\u00e3o que nem todos os im\u00f3veis s\u00e3o adequados para uma hipoteca.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-1024x576.jpg\" alt=\"\" class=\"wp-image-795\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-1024x576.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-768x432.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Se est\u00e1 interessado numa hipoteca, tem de se dirigir a um banco.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Empr\u00e9stimo de poupan\u00e7a para constru\u00e7\u00e3o<\/h2>\n\n\n\n<p>E qual \u00e9 o maior concorrente de um empr\u00e9stimo hipotec\u00e1rio? \u00c9 o empr\u00e9stimo da sociedade de cr\u00e9dito imobili\u00e1rio. Como o seu nome indica, trata-se de um empr\u00e9stimo da sociedade de cr\u00e9dito imobili\u00e1rio, a partir do qual pode, posteriormente, contrair o empr\u00e9stimo que desejar. No entanto, \u00e9 necess\u00e1rio ter poupado um montante adequado. Ao mesmo tempo, deve ter poupado durante algum tempo.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Per\u00edodo de poupan\u00e7a de pelo menos 2 anos<\/li>\n\n\n\n<li>Montante poupado 30 a 60 %<\/li>\n\n\n\n<li>Empr\u00e9stimo intercalar<\/li>\n<\/ul>\n\n\n\n<p>\u00c9 o empr\u00e9stimo intercalar que pode ser obtido quando <em>n\u00e3o pode beneficiar de um empr\u00e9stimo regular de uma sociedade de cr\u00e9dito imobili\u00e1rio com base nas condi\u00e7\u00f5es<\/em>. No entanto, existem algumas desvantagens associadas a este sistema, que ser\u00e3o analisadas nos cap\u00edtulos seguintes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vantagens de um empr\u00e9stimo da sociedade de cr\u00e9dito imobili\u00e1rio<\/h2>\n\n\n\n<p>Comecemos pelo lado positivo: o que oferece um cr\u00e9dito imobili\u00e1rio. Nalguns dom\u00ednios, ultrapassa mesmo o cr\u00e9dito hipotec\u00e1rio. Por exemplo, para os montantes mais baixos, pode evitar ter de garantir o im\u00f3vel ou encontrar um fiador. Para os montantes mais elevados, \u00e9 claro que tem de garantir o mesmo que para um cr\u00e9dito hipotec\u00e1rio.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Assunto<\/strong><\/td><td><strong>Valor<\/strong><\/td><\/tr><tr><td>Taxa de juro<\/td><td>O mesmo para todo o per\u00edodo de maturidade<\/td><\/tr><tr><td>Per\u00edodo de maturidade<\/td><td>At\u00e9 30 anos<\/td><\/tr><tr><td>Poupan\u00e7a<\/td><td>Aux\u00edlios estatais e taxas de juro<\/td><\/tr><tr><td>Alternativa<\/td><td>Empr\u00e9stimo intercalar<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Um empr\u00e9stimo da sociedade de cr\u00e9dito imobili\u00e1rio tem muitas vantagens e benef\u00edcios interessantes.<\/figcaption><\/figure>\n\n\n\n<p>\u00c9 igualmente de referir o facto de os fundos postos de lado e valorizados atrav\u00e9s da constitui\u00e7\u00e3o de poupan\u00e7as serem contabilizados para efeitos de pedido de empr\u00e9stimo hipotec\u00e1rio. Os dois produtos est\u00e3o, portanto, de certa forma interligados em alguns dom\u00ednios.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Porqu\u00ea optar por um empr\u00e9stimo hipotec\u00e1rio?<\/h3>\n\n\n\n<p>E agora o negativo que oferece <strong>empr\u00e9stimo da sociedade de cr\u00e9dito imobili\u00e1rio<\/strong>. Est\u00e1 geralmente associado a taxas de juro mais elevadas, o que \u00e9 duplamente verdadeiro para um empr\u00e9stimo intercalar. Neste caso, o mutu\u00e1rio paga essencialmente juros at\u00e9 cumprir as condi\u00e7\u00f5es do empr\u00e9stimo normal.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>No \u00e2mbito de um cr\u00e9dito \u00e0 poupan\u00e7a-habita\u00e7\u00e3o, s\u00e3o concedidos aos clientes montantes inferiores aos de um cr\u00e9dito hipotec\u00e1rio. <\/p>\n<cite>Madison L., empregado banc\u00e1rio.<\/cite><\/blockquote>\n\n\n\n<p>Al\u00e9m disso, algumas caixas econ\u00f3micas obrigam-no a obter um empr\u00e9stimo adequado junto de uma sociedade de cr\u00e9dito imobili\u00e1rio atrav\u00e9s da celebra\u00e7\u00e3o de um contrato para outro produto da sociedade. Deve tamb\u00e9m ter em conta que se trata de um empr\u00e9stimo para fins especiais, em que tem de provar como financiou os fundos.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-1024x579.jpg\" alt=\"\" class=\"wp-image-796\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-768x435.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Um empr\u00e9stimo da sociedade de cr\u00e9dito imobili\u00e1rio e um empr\u00e9stimo hipotec\u00e1rio t\u00eam o mesmo objectivo, que \u00e9 o de possuir uma casa.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Empr\u00e9stimo hipotec\u00e1rio ou empr\u00e9stimo da sociedade de cr\u00e9dito imobili\u00e1rio?<\/h2>\n\n\n\n<p>Uma pergunta que provavelmente n\u00e3o pode ser respondida de forma inequ\u00edvoca. Cada um de n\u00f3s tem necessidades ligeiramente diferentes em termos de investimento imobili\u00e1rio. Para al\u00e9m disso, muitos de n\u00f3s t\u00eam diferentes condi\u00e7\u00f5es de vida e financeiras. <em>Um empr\u00e9stimo hipotec\u00e1rio ser\u00e1 adequado para alguns, enquanto um empr\u00e9stimo adequado de uma sociedade de cr\u00e9dito imobili\u00e1rio ser\u00e1 adequado para outros.<\/em>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Perguntas e respostas<\/h3>\n\n\n\n<p>Se ainda n\u00e3o tem a certeza de qual o produto de cr\u00e9dito mais adequado para financiar o seu pr\u00f3prio im\u00f3vel, leia as linhas que se seguem. As perguntas frequentes podem dizer-lhe o que precisa de saber e facilitar a sua decis\u00e3o.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1684254062915\"><strong class=\"schema-faq-question\">Para que \u00e9 que posso utilizar um empr\u00e9stimo de uma sociedade de cr\u00e9dito imobili\u00e1rio?<\/strong> <p class=\"schema-faq-answer\">Pode ser utilizado para financiar a compra de um terreno, a constru\u00e7\u00e3o de uma casa, a compra de um im\u00f3vel, mas tamb\u00e9m para a reconstru\u00e7\u00e3o ou para liquidar um processo de heran\u00e7a.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254073073\"><strong class=\"schema-faq-question\">Qual \u00e9 o montante-objectivo para um empr\u00e9stimo de uma sociedade de cr\u00e9dito imobili\u00e1rio?<\/strong> <p class=\"schema-faq-answer\">Ao assinar o contrato, estabelece-se um montante-objectivo. Depois, tem de poupar pelo menos 30 a 50 %. O montante restante ser-lhe-\u00e1 emprestado pela caixa de poupan\u00e7a sob a forma de um empr\u00e9stimo regular.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254086967\"><strong class=\"schema-faq-question\">Existem taxas adicionais associadas a um empr\u00e9stimo hipotec\u00e1rio?<\/strong> <p class=\"schema-faq-answer\">Sim, podem ser cobradas taxas de acordo com a hipoteca. A avalia\u00e7\u00e3o do im\u00f3vel n\u00e3o \u00e9 uma excep\u00e7\u00e3o. Os bancos tamb\u00e9m exigem a subscri\u00e7\u00e3o de um seguro de incumprimento.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254095838\"><strong class=\"schema-faq-question\">\u00c9 poss\u00edvel reembolsar mais cedo uma hipoteca ou um empr\u00e9stimo de uma sociedade de cr\u00e9dito imobili\u00e1rio?<\/strong> <p class=\"schema-faq-answer\">Sim, tem essa possibilidade. No entanto, no caso de um empr\u00e9stimo hipotec\u00e1rio, normalmente vale a pena faz\u00ea-lo no final do per\u00edodo de fixa\u00e7\u00e3o. Caso contr\u00e1rio, poder\u00e1 ter de pagar uma penaliza\u00e7\u00e3o suplementar.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254104486\"><strong class=\"schema-faq-question\">Estes produtos tamb\u00e9m podem ser utilizados para refinanciar empr\u00e9stimos antigos?<\/strong> <p class=\"schema-faq-answer\">Sim, um empr\u00e9stimo hipotec\u00e1rio e um empr\u00e9stimo de uma sociedade de cr\u00e9dito imobili\u00e1rio podem servir estes objectivos. Mas os empr\u00e9stimos iniciais devem destinar-se ao financiamento da habita\u00e7\u00e3o.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Empr\u00e9stimo hipotec\u00e1rio e casa pr\u00f3pria<\/h3>\n\n\n\n<p>Quer opte por um cr\u00e9dito hipotec\u00e1rio ou por um cr\u00e9dito imobili\u00e1rio, tente n\u00e3o acenar com a cabe\u00e7a \u00e0 primeira oferta. Os prestadores destes servi\u00e7os s\u00e3o mais do que suficientes. Por isso, vale a pena <strong>comparar produtos individuais<\/strong> e escolher a mais adequada e vantajosa para as suas necessidades. O custo do cr\u00e9dito hipotec\u00e1rio pode variar bastante.<\/p>","protected":false},"excerpt":{"rendered":"<p>Um empr\u00e9stimo hipotec\u00e1rio e um empr\u00e9stimo de sociedade de cr\u00e9dito imobili\u00e1rio s\u00e3o produtos financeiros relacionados com a aquisi\u00e7\u00e3o de bens imobili\u00e1rios. Apartamentos, casas e terrenos para constru\u00e7\u00e3o s\u00e3o oportunidades de investimento interessantes. Se sonha em ter a sua pr\u00f3pria casa e n\u00e3o tem dinheiro suficiente, tem basicamente tr\u00eas op\u00e7\u00f5es \u00e0 sua disposi\u00e7\u00e3o, que discutiremos mais pormenorizadamente nas linhas seguintes. Com a ajuda destes empr\u00e9stimos ... <\/p>","protected":false},"author":2,"featured_media":793,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[624,625,626,596,633,631,630,627,629,628],"class_list":["post-792","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-hypotecni-uver","tag-hypoteka","tag-hypoteky","tag-nemovitost","tag-pozemek","tag-preklenovaci-uver","tag-stavebni-sporeni","tag-uver","tag-uver-ze-stavebniho-sporeni","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br je jedn\u00edm ze zp\u016fsob\u016f, jak financovat vlastn\u00ed bydlen\u00ed. 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Pak mus\u00edte na\u0161et\u0159it alespo\u0148 30 a\u017e 50 %. Zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st V\u00e1m p\u016fj\u010d\u00ed spo\u0159itelna formou \u0159\u00e1dn\u00e9ho \u00fav\u011bru.\",\"inLanguage\":\"pt-PT\"},\"inLanguage\":\"pt-PT\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254086967\",\"position\":3,\"url\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254086967\",\"name\":\"Je hypot\u00e9\u010dn\u00ed \u00fav\u011br spjat s n\u011bjak\u00fdmi poplatky nav\u00edc?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, mohou to b\u00fdt poplatky za sjedn\u00e1n\u00ed hypot\u00e9ky. V\u00fdjimkou nen\u00ed odhad nemovitosti. 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Sabe quais s\u00e3o as diferen\u00e7as entre os dois?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/regbu.com\/pt\/mortgage-credit-vs-credit-from-construction-solutions\/","og_locale":"pt_PT","og_type":"article","og_title":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed - REGBU.COM","og_description":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br je jedn\u00edm ze zp\u016fsob\u016f, jak financovat vlastn\u00ed bydlen\u00ed. Alternativou je \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. 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Uma alternativa \u00e9 um empr\u00e9stimo de uma sociedade de cr\u00e9dito imobili\u00e1rio. Sabe quais s\u00e3o as diferen\u00e7as entre os dois?","breadcrumb":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254062915"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254073073"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254104486"}],"inLanguage":"pt-PT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/"]}]},{"@type":"ImageObject","inLanguage":"pt-PT","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","width":1200,"height":679,"caption":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-PT"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/pt\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254062915","position":1,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254062915","name":"Para que \u00e9 que posso utilizar um empr\u00e9stimo de uma sociedade de cr\u00e9dito imobili\u00e1rio?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Financovat s n\u00edm m\u016f\u017eete n\u00e1kup pozemku, v\u00fdstavbu domu, n\u00e1kup nemovitosti, ale tak\u00e9 rekonstrukci, pop\u0159\u00edpad\u011b vy\u0159e\u0161\u00edte d\u011bdick\u00e9 \u0159\u00edzen\u00ed.","inLanguage":"pt-PT"},"inLanguage":"pt-PT"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254073073","position":2,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254073073","name":"Qual \u00e9 o montante-objectivo para um empr\u00e9stimo de uma sociedade de cr\u00e9dito imobili\u00e1rio?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"P\u0159i uzav\u00edr\u00e1n\u00ed smlouvy si stanov\u00edte c\u00edlovou \u010d\u00e1stku. Pak mus\u00edte na\u0161et\u0159it alespo\u0148 30 a\u017e 50 %. Zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st V\u00e1m p\u016fj\u010d\u00ed spo\u0159itelna formou \u0159\u00e1dn\u00e9ho \u00fav\u011bru.","inLanguage":"pt-PT"},"inLanguage":"pt-PT"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967","position":3,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967","name":"Existem taxas adicionais associadas a um empr\u00e9stimo hipotec\u00e1rio?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, mohou to b\u00fdt poplatky za sjedn\u00e1n\u00ed hypot\u00e9ky. V\u00fdjimkou nen\u00ed odhad nemovitosti. Banky z\u00e1rove\u0148 vy\u017eaduj\u00ed uzav\u0159\u00edt smlouvu o poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet.","inLanguage":"pt-PT"},"inLanguage":"pt-PT"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838","position":4,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838","name":"\u00c9 poss\u00edvel reembolsar mais cedo uma hipoteca ou um empr\u00e9stimo de uma sociedade de cr\u00e9dito imobili\u00e1rio?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, takovou mo\u017enost m\u00e1te. V p\u0159\u00edpad\u011b hypot\u00e9\u010dn\u00edho \u00fav\u011bru se to v\u0161ak vyplat\u00ed obvykle na konci fixa\u010dn\u00ed doby. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b m\u016f\u017eete platit sank\u010dn\u00ed poplatky nav\u00edc.","inLanguage":"pt-PT"},"inLanguage":"pt-PT"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254104486","position":5,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254104486","name":"Estes produtos tamb\u00e9m podem ser utilizados para refinanciar empr\u00e9stimos antigos?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, hypot\u00e9\u010dn\u00ed \u00fav\u011br a \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed mohou poslou\u017eit k t\u011bmto \u00fa\u010del\u016fm. 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