{"id":13004,"date":"2023-11-10T21:22:13","date_gmt":"2023-11-10T21:22:13","guid":{"rendered":"https:\/\/creditoportugues.com\/?p=13004"},"modified":"2026-04-08T17:27:43","modified_gmt":"2026-04-08T17:27:43","slug":"com-o-novobanco-o-estrangeiro","status":"publish","type":"post","link":"https:\/\/creditoportugues.com\/wp-backup\/com-o-novobanco-o-estrangeiro\/","title":{"rendered":"Com o novobanco, o estrangeiro tamb\u00e9m pode financiar"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Acompanhe o passo a passo para financiar o seu im\u00f3vel em Portugal<\/strong><\/h2>\n\n\n\n<p>Simule e fa\u00e7a j\u00e1 o seu Cr\u00e9dito habita\u00e7\u00e3o para Estrangeiros N\u00e3o Residentes do novobanco e concretize o sonho de comprar um im\u00f3vel em terras lusitanas.<\/p>\n\n\n\n<p>As solu\u00e7\u00f5es oferecidas pelo novobanco s\u00e3o muitas, temos certeza que vai encontrar a que se adapta melhor a si. Simule, grave e submeta quando quiser.<\/p>\n\n\n\n<p>Este \u00e9 o primeiro passo, a simula\u00e7\u00e3o! Assim que \u00e9 feita a simula\u00e7\u00e3o, o novobanco j\u00e1 envia uma pr\u00e9-an\u00e1lise. A\u00ed, chegou a hora de \u201ccruzar os dedos\u201d. Acompanhe online o estado do processo. Caso seja aprovado, apenas ter\u00e1 de se deslocar ao balc\u00e3o para a concluir a escritura.<\/p>\n\n\n<div class=\"lazyblock-cartao-solicitacao-ZuzP6l wp-block-lazyblock-cartao-solicitacao\"><style>\n.cp-card-pro {\n  display: flex;\n  flex-direction: column;\n  border: 1px solid #E8E8E8;\n  border-radius: 16px;\n  overflow: hidden;\n  width: 100%;\n  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.07);\n  background: #ffffff;\n  box-sizing: border-box;\n  margin-bottom: 24px;\n}\n\n.cp-card-pro__image-wrap {\n  background: linear-gradient(135deg, #fff5f5 0%, #f0fff4 100%);\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  padding: 32px 24px;\n}\n\n.cp-card-pro__image-wrap img {\n  width: 100%;\n  max-width: 220px;\n  height: auto;\n  display: block;\n  filter: drop-shadow(0 8px 16px rgba(232, 35, 42, 0.12));\n}\n\n.cp-card-pro__content {\n  padding: 24px 20px;\n  display: flex;\n  flex-direction: column;\n  gap: 14px;\n}\n\n.cp-card-pro__label {\n  font-size: 11px;\n  text-transform: uppercase;\n  letter-spacing: 0.09em;\n  color: #999;\n  font-weight: 600;\n}\n\n.cp-card-pro__title {\n  font-size: 1.25rem;\n  font-weight: 700;\n  margin: 0;\n  color: #1a1a1a;\n  line-height: 1.3;\n}\n\n.cp-card-pro__attributes {\n  display: flex;\n  gap: 8px;\n  flex-wrap: wrap;\n}\n\n.cp-card-pro__tag {\n  border-radius: 20px;\n  padding: 5px 14px;\n  background: #E8F9EA;\n  color: #1A7A2E;\n  font-size: 12px;\n  font-weight: 600;\n  border: 1px solid #A8DFB0;\n}\n\n.cp-card-pro__description {\n  font-size: 14px;\n  color: #555;\n  line-height: 1.65;\n  margin: 0;\n}\n\n.cp-card-pro__footer {\n  display: flex;\n  flex-direction: column;\n  align-items: stretch;\n  gap: 8px;\n  margin-top: 4px;\n}\n\n.cp-card-pro__cta {\n  display: block;\n  border-radius: 10px;\n  padding: 13px 28px;\n  background: #2DB84B;\n  color: #ffffff;\n  text-decoration: none;\n  font-size: 14px;\n  font-weight: 700;\n  text-align: center;\n  transition: background 0.2s ease, transform 0.15s ease;\n  box-sizing: border-box;\n}\n\n.cp-card-pro__cta:hover {\n  background: #229B3D;\n  color: #ffffff;\n  transform: translateY(-2px);\n}\n\n.cp-card-pro__note {\n  font-size: 11px;\n  color: #bbb;\n  text-align: center;\n  margin: 0;\n}\n\n@media (min-width: 768px) {\n  .cp-card-pro {\n    flex-direction: row;\n    min-height: 260px;\n  }\n\n  .cp-card-pro__image-wrap {\n    width: 36%;\n    flex-shrink: 0;\n    padding: 40px 32px;\n  }\n\n  .cp-card-pro__content {\n    flex: 1;\n    padding: 32px 40px;\n    justify-content: center;\n  }\n\n  .cp-card-pro__title {\n    font-size: 1.5rem;\n  }\n\n  .cp-card-pro__footer {\n    align-items: flex-start;\n  }\n\n  .cp-card-pro__cta {\n    display: inline-block;\n    width: auto;\n  }\n\n  .cp-card-pro__note {\n    text-align: left;\n  }\n}\n<\/style>\n\n<div class=\"cp-card-pro\">\n  <div class=\"cp-card-pro__image-wrap\">\n    <img decoding=\"async\" src=\"https:\/\/creditoportugues.com\/wp-content\/uploads\/2023\/11\/Credito-Habitacao_2-jpg.webp\" alt=\"NOVO BANCO\" loading=\"lazy\" \/>\n  <\/div>\n  <div class=\"cp-card-pro__content\">\n    <span class=\"cp-card-pro__label\">CR\u00c9DITO PESSOAL<\/span>\n    <h3 class=\"cp-card-pro__title\">NOVO BANCO<\/h3>\n    <div class=\"cp-card-pro__attributes\">\n      <span class=\"cp-card-pro__tag\">Prazos Flex\u00edveis<\/span>\n      <span class=\"cp-card-pro__tag\">Suporte Multil\u00edngue<\/span>\n    <\/div>\n    <p class=\"cp-card-pro__description\">Oferta de juros atrativos para clientes estrangeiros no financiamento.<\/p>\n    <div class=\"cp-card-pro__footer\">\n      <a href=\"https:\/\/www.novobanco.pt\/particulares\/credito-habitacao\/estrangeiros-nao-residentes\" class=\"cp-card-pro__cta\">ADERIR AGORA \u279d<\/a>\n      <p class=\"cp-card-pro__note\">Ser\u00e1s encaminhado a outro s\u00edtio<\/p>\n    <\/div>\n  <\/div>\n<\/div><\/div>\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"lazyblock-bloco-de-links-1Y5Miv wp-block-lazyblock-bloco-de-links\"><style>\n.cp-links {\n  width: 100%;\n  box-sizing: border-box;\n  padding-bottom: 24px;\n}\n.cp-links__title {\n  font-size: 1rem;\n  font-weight: 700;\n  color: #1a1a1a;\n  margin: 0 0 12px;\n}\n\n.cp-links__grid {\n  display: grid;\n  grid-template-columns: 1fr;\n  gap: 8px;\n}\n\n.cp-links__item {\n  display: block;\n  background: #E8F9EA;\n  border: 1px solid #A8DFB0;\n  border-radius: 10px;\n  padding: 12px 14px;\n  font-size: 13px;\n  color: #1a1a1a;\n  text-decoration: none;\n  transition: background 0.2s ease, transform 0.15s ease;\n  box-sizing: border-box;\n}\n\n.cp-links__item:hover {\n  background: #d0f0d5;\n  color: #1a1a1a;\n  transform: translateX(3px);\n}\n\n@media (min-width: 768px) {\n  .cp-links__grid {\n    grid-template-columns: 1fr 1fr;\n  }\n}\n<\/style>\n\n<div class=\"cp-links\">\n  <h3 class=\"cp-links__title\">Conte\u00fado Recomendado<\/h3>\n  <div class=\"cp-links__grid\">\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/cartao-de-credito-free-junior-o-cartao-mesada-dos-seus-filhos\/\" class=\"cp-links__item\">SEGURAN\u00c7A \u279d<\/a>\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/cartao-de-credito-classic-do-banco-montepio-o-cartao-que-isenta-taxas-de-comissao\/\" class=\"cp-links__item\">CR\u00c9DITO IMEDIATO \u279d<\/a>\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/cartao-de-credito-milesmore-gold-o-cartao-ideal-para-quem-voa-alto\/\" class=\"cp-links__item\">PONTOS E MILHAS \u279d<\/a>\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/cartao-gold-montepio-prestigio-descontos-e-vantagens-em-um-unico-cartao\/\" class=\"cp-links__item\">FRACIONAMENTO \u279d<\/a>\n  <\/div>\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Entenda neste per\u00edodo de infla\u00e7\u00e3o alta em Portugal as diferentes taxas aplicadas<\/strong><\/h2>\n\n\n\n<p>Para quem procura um empr\u00e9stimo para a sua habita\u00e7\u00e3o, muitas d\u00favidas surgem, sendo a mais comum a seguinte: &#8220;Qual a melhor op\u00e7\u00e3o de cr\u00e9dito habita\u00e7\u00e3o, taxa fixa ou vari\u00e1vel?&#8221;<\/p>\n\n\n\n<p>Existem v\u00e1rias alternativas, para al\u00e9m da tradicional escolha entre taxa fixa e taxa vari\u00e1vel. Al\u00e9m destas, \u00e9 poss\u00edvel optar por uma taxa mista ou por uma presta\u00e7\u00e3o fixa reduzida, exclusiva no novobanco e, atualmente mais vantajosa do que a taxa fixa.<\/p>\n\n\n\n<p>Entretanto, para compreender e saber, principalmente agora com as altas taxas de juros, \u00e9 fundamental compreender o que \u00e9 a taxa EURIBOR e como esta afeta o valor da presta\u00e7\u00e3o do seu empr\u00e9stimo para a habita\u00e7\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Taxa EURIBOR, o grande vil\u00e3o que tem tirado o sono dos portugueses<\/strong><\/h2>\n\n\n\n<p>A taxa EURIBOR (European Inter Bank Offer Rate) \u00e9 a taxa de refer\u00eancia para os empr\u00e9stimos entre os bancos na zona euro e serve como \u00edndice para o c\u00e1lculo das presta\u00e7\u00f5es dos cr\u00e9ditos.<\/p>\n\n\n\n<p>Assim, a taxa do seu cr\u00e9dito habita\u00e7\u00e3o \u00e9 calculada da seguinte forma: EURIBOR + SPREAD = TAXA DE JURO.<\/p>\n\n\n\n<p>Antes da pandemia x guerra na Ucr\u00e2nia e agora essa Guerra em Israel, a Taxa Euribor era negativa, mas infelizmente, com estes percal\u00e7os vem aumentando e tirando o sono e as casas dos portugueses, portanto, escolher a taxa de juros para o seu cr\u00e9dito atual tem de ter o dobro de cautela.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Taxa de juro fixa: o que significa nos empr\u00e9stimos habitacionais<\/strong><\/h2>\n\n\n\n<p>Nos empr\u00e9stimos de cr\u00e9dito habita\u00e7\u00e3o com taxa fixa, a taxa de juro permanece constante durante o prazo acordado. Isso proporciona previsibilidade, com presta\u00e7\u00f5es mensais consistentes, independentemente das flutua\u00e7\u00f5es das taxas de mercado, como a Euribor. Embora as presta\u00e7\u00f5es de taxa fixa sejam geralmente mais altas, oferecem seguran\u00e7a, mas \u00e9 importante considerar que, se a Euribor descer, a presta\u00e7\u00e3o n\u00e3o diminuir\u00e1.<\/p>\n\n\n\n<p>A institui\u00e7\u00e3o de cr\u00e9dito baseia a taxa fixa na taxa de swap do mercado interbanc\u00e1rio para o mesmo prazo. Por exemplo, se voc\u00ea escolher uma taxa fixa de cinco anos, a institui\u00e7\u00e3o considerar\u00e1 a taxa de juro fixa que ela pr\u00f3pria pagaria para obter fundos para emprestar durante esse per\u00edodo.<\/p>\n\n\n\n<p>A principal vantagem da taxa fixa \u00e9 a estabilidade e seguran\u00e7a, proporcionando presta\u00e7\u00f5es constantes ao longo do empr\u00e9stimo ou prazo escolhido, independentemente das mudan\u00e7as de mercado. Isso garante que voc\u00ea sempre saiba o que esperar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Taxa de juro vari\u00e1vel: o que significa nos empr\u00e9stimos habitacionais<\/strong><\/h2>\n\n\n\n<p>Nos cr\u00e9ditos habitacionais com taxa de juro vari\u00e1vel, a taxa de juro \u00e9 composta pela Euribor, que \u00e9 revista periodicamente (normalmente anualmente), e o spread.<\/p>\n\n\n\n<p>A Euribor \u00e9 calculada com base na m\u00e9dia do m\u00eas anterior, podendo aumentar ou diminuir, o que afeta o valor da presta\u00e7\u00e3o. A determina\u00e7\u00e3o do spread considera o risco de cr\u00e9dito do cliente e o r\u00e1cio LTV (loan-to-value), relacionando o montante do empr\u00e9stimo com o valor do im\u00f3vel hipotecado.<\/p>\n\n\n\n<p>Al\u00e9m disso, algumas institui\u00e7\u00f5es oferecem redu\u00e7\u00f5es de spread ou encargos adicionais para clientes que adquirem produtos financeiros adicionais. A vantagem da taxa vari\u00e1vel \u00e9 uma presta\u00e7\u00e3o inicial mais baixa em compara\u00e7\u00e3o com a taxa fixa, embora saiba que a presta\u00e7\u00e3o pode variar ao longo do prazo, de acordo com a Euribor escolhida.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Taxa de juro mista<\/strong>: <strong>o que significa nos empr\u00e9stimos habitacionais<\/strong><\/h2>\n\n\n\n<p>A op\u00e7\u00e3o de taxa mista oferece a oportunidade de iniciar o empr\u00e9stimo com uma taxa fixa (por exemplo, 2, 3, 4, 5, 10, 15, 20, 25 ou 30 anos), garantindo um pagamento constante da presta\u00e7\u00e3o.<\/p>\n\n\n\n<p>Ap\u00f3s esse per\u00edodo, o empr\u00e9stimo passa a estar associado a uma taxa vari\u00e1vel, sujeita a revis\u00f5es ao longo do prazo restante, refletindo as condi\u00e7\u00f5es de mercado.<\/p>\n\n\n\n<p>A vantagem da taxa mista reside na capacidade de gerir o or\u00e7amento de forma mais est\u00e1vel nos primeiros anos, com presta\u00e7\u00f5es previs\u00edveis, e posteriormente, beneficiar das oportunidades oferecidas pela taxa vari\u00e1vel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Documentos para o Cr\u00e9dito Habita\u00e7\u00e3o para Estrangeiros N\u00e3o Residentes<\/strong><\/h2>\n\n\n\n<p>Inicialmente os documentos pedidos, s\u00e3o: Fotoc\u00f3pia do B.I. e do NIF E o do Cidad\u00e3o dos Titulares e dos Avalistas ou Fiadores, caso existam.<\/p>\n\n\n\n<p>\u00daltima Declara\u00e7\u00e3o de IRS ou Nota de Liquida\u00e7\u00e3o, e dos Avalistas ou Fiadores.<\/p>\n\n\n\n<p>Ficha de Informa\u00e7\u00e3o Normalizada (FINE) e demais documentos informados pelo banco ap\u00f3s a comunica\u00e7\u00e3o da aprova\u00e7\u00e3o do cr\u00e9dito, assinada pelo Banco e pelo Titular.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/cartao-de-credito-ikea-do-mobiliario-ao-pagamento-uma-uniao-perfeita\/\">Veja mais op\u00e7\u00f5es<\/a><\/strong><\/p>\n\n\n\n<p><strong>Aten\u00e7\u00e3o: O Cr\u00e9dito Portugu\u00eas n\u00e3o faz avalia\u00e7\u00f5es de cr\u00e9dito e nem realiza empr\u00e9stimos. O intuito do site \u00e9 divulgar os produtos e servi\u00e7os oferecidos pelas institui\u00e7\u00f5es financeiras, bem como dar dicas mediante fontes oficiais, com reportagem que informem sobre a economia do pa\u00eds.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>O novobanco oferece solu\u00e7\u00f5es de cr\u00e9dito e cart\u00f5es com condi\u00e7\u00f5es atrativas \u2014 conhe\u00e7a os produtos dispon\u00edveis e como aderir online.<\/p>\n","protected":false},"author":3,"featured_media":13005,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-13004","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-pessoal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Com o novobanco, o estrangeiro tamb\u00e9m pode financiar - Cr\u00e9dito Portugu\u00eas<\/title>\n<meta name=\"description\" content=\"Conhe\u00e7a o cr\u00e9dito pessoal novobanco em Portugal: taxas TAEG, prazos dispon\u00edveis e condi\u00e7\u00f5es de acesso. 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