{"id":13008,"date":"2023-11-10T21:22:45","date_gmt":"2023-11-10T21:22:45","guid":{"rendered":"https:\/\/creditoportugues.com\/?p=13008"},"modified":"2026-04-08T17:27:43","modified_gmt":"2026-04-08T17:27:43","slug":"credito-habitacao-para-estrangeiros","status":"publish","type":"post","link":"https:\/\/creditoportugues.com\/wp-backup\/credito-habitacao-para-estrangeiros\/","title":{"rendered":"Cr\u00e9dito Habita\u00e7\u00e3o para Estrangeiros N\u00e3o Residentes, \u00e9 no novobanco"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Cr\u00e9dito Habita\u00e7\u00e3o para Estrangeiros N\u00e3o Residentes novobanco<\/strong><\/h2>\n\n\n\n<p>Se n\u00e3o vives c\u00e1 na terrinha, que tal comprar a sua nova casa atrav\u00e9s do Cr\u00e9dito Habita\u00e7\u00e3o para Estrangeiros N\u00e3o Residentes do novobanco?<\/p>\n\n\n\n<p>O Cr\u00e9dito para Estrangeiros N\u00e3o Residentes do novobanco conta com todas as vantagens mesmo \u00e0 dist\u00e2ncia, pois o todo processo online na plataforma Cr\u00e9dito Habita\u00e7\u00e3o novobanco.<\/p>\n\n\n\n<p>Com o Cr\u00e9dito para Estrangeiros N\u00e3o Residentes do novobanco, consegues um spread mais competitivo, tens condi\u00e7\u00f5es especiais para a transfer\u00eancia de empr\u00e9stimos, Taxa Vari\u00e1vel indexada \u00e0 Euribor a 6 meses acrescida de spread a partir de 1,1%.&nbsp;TAEG 5,6% e pode ser feito para aquisi\u00e7\u00e3o de habita\u00e7\u00e3o pr\u00f3pria, secund\u00e1ria ou para arrendamento.<\/p>\n\n\n<div class=\"lazyblock-cartao-como-solicitar-Z4LWdO wp-block-lazyblock-cartao-como-solicitar\"><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-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\">Taxas Competitivas<\/span>\n      <span class=\"cp-card-pro__tag\">Aprova\u00e7\u00e3o R\u00e1pida<\/span>\n    <\/div>\n    <p class=\"cp-card-pro__description\"> Assist\u00eancia personalizada multil\u00edngue para melhor entendimento e conforto.<\/p>\n    <div class=\"cp-card-pro__footer\">\n      <a href=\"https:\/\/creditoportugues.com\/credito-pessoal\/com-o-novobanco-o-estrangeiro\/\" class=\"cp-card-pro__cta\">VER COMO ADERIR \u279d<\/a>\n      <p class=\"cp-card-pro__note\">Permanecer\u00e1s no s\u00edtio atual<\/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-Z2nXpD 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\/conheca-o-cartao-santander-platinum\/\" class=\"cp-links__item\">PONTOS E MILHAS \u279d<\/a>\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/cartao-de-credito-nb-verde\/\" class=\"cp-links__item\">CASH ADVANCE \u279d<\/a>\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/cartao-classic-o-cartao-classico-dos-tempos-modernos\/\" class=\"cp-links__item\">CR\u00c9DITO SEM JUROS \u279d<\/a>\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/cartao-de-credito-caixa-classic-o-cartao-para-o-seu-dia-a-dia\/\" class=\"cp-links__item\">INTERNACIONAL \u279d<\/a>\n  <\/div>\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Caracter\u00edsticas do Cr\u00e9dito Habita\u00e7\u00e3o para Estrangeiros N\u00e3o Residentes<\/strong><\/h2>\n\n\n\n<p>Se \u00e9 residente ou nacional da Uni\u00e3o Europeia, do Reino Unido, do Espa\u00e7o Schengen, dos Estados Unidos ou do Canad\u00e1 e pretende adquirir uma Habita\u00e7\u00e3o Pr\u00f3pria Secund\u00e1ria ou alug\u00e1-la, o financiamento corresponder\u00e1 a 80% do valor da avalia\u00e7\u00e3o da propriedade ou 80% do valor da escritura, optando-se pelo valor mais baixo.<\/p>\n\n\n\n<p>Se \u00e9 residente ou nacional de um pa\u00eds fora da Uni\u00e3o Europeia, Reino Unido, Espa\u00e7o Schengen, Estados Unidos ou Canad\u00e1 e pretende adquirir uma Habita\u00e7\u00e3o Pr\u00f3pria Secund\u00e1ria ou alug\u00e1-la, dever\u00e1 entrar em contacto com o Novo Banco para que o seu caso possa ser devidamente analisado.<\/p>\n\n\n\n<p>O valor da avalia\u00e7\u00e3o ou o custo estimado de obras e constru\u00e7\u00e3o \u00e9 sempre determinado por avaliadores contratados pelo novobanco e certificados pela CMVM.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Taxa do Cr\u00e9dito Habita\u00e7\u00e3o para Estrangeiros N\u00e3o Residentes novobanco<\/strong><\/h2>\n\n\n\n<p>Normalmente nestes tipos de cr\u00e9dito \u00e9 usado uma taxa vari\u00e1vel,&nbsp;indexada \u00e0 Euribor a 12 meses, acrescida de spread.<\/p>\n\n\n\n<p>A taxa fixa, de 2 a 5, 10, 15, 20, 20, 25 ou 30 anos, acrescida de spread, \u00e9 aplic\u00e1vel durante todo o prazo que decorrer o contrato.<\/p>\n\n\n\n<p>Para as presta\u00e7\u00f5es no per\u00edodo de constru\u00e7\u00e3o, elas s\u00e3o pagas apenas os juros do capital utilizado e nas presta\u00e7\u00f5es no per\u00edodo ap\u00f3s constru\u00e7\u00e3o, as presta\u00e7\u00f5es s\u00e3o constantes de capital e juros.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Prazo do empr\u00e9stimo e garantia<\/strong> <strong>do Cr\u00e9dito para Estrangeiros N\u00e3o Residentes<\/strong><\/h2>\n\n\n\n<p>Este cr\u00e9dito tem um prazo m\u00e1ximo de at\u00e9 30 anos, desde que a idade dos titulares n\u00e3o ultrapasse os 75 anos no final do empr\u00e9stimo.<\/p>\n\n\n\n<p>Como garantia, o novobanco trabalha os empr\u00e9stimos por hipoteca da habita\u00e7\u00e3o e terreno no caso da constru\u00e7\u00e3o. A hipoteca do bem financiado poder\u00e1 ser substitu\u00edda, parcial ou totalmente, por hipoteca de outro im\u00f3vel.<\/p>\n\n\n\n<p>Entretanto, poder\u00e1 tamb\u00e9m recorrer, se houver esta oportunidade, a fiadores para assegurar o pagamento do seu empr\u00e9stimo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Liquida\u00e7\u00e3o do cr\u00e9dito para Estrangeiros N\u00e3o Residentes<\/strong><\/h2>\n\n\n\n<p>O Cr\u00e9dito Habita\u00e7\u00e3o para Estrangeiros N\u00e3o Residentes do novobanco pode ser liquidado, automaticamente, com o pagamento da \u00faltima presta\u00e7\u00e3o. Caso haja a possibilidade de liquida\u00e7\u00e3o antecipada, para empr\u00e9stimos com&nbsp;taxa vari\u00e1vel&nbsp;aplica-se uma percentagem sobre o capital amortizado de 0,5%.<\/p>\n\n\n\n<p>De acordo com o DL 80-A\/2022, de 25 de novembro, ficou estipulado que os pedidos de reembolso antecipado de contratos de cr\u00e9dito para aquisi\u00e7\u00e3o ou constru\u00e7\u00e3o de habita\u00e7\u00e3o pr\u00f3pria permanente com taxa vari\u00e1vel, est\u00e3o isentos do pagamento da comiss\u00e3o at\u00e9 31\/12\/2023.&nbsp;<\/p>\n\n\n\n<p>E, de acordo com o DL 74-A\/2017, de 23 de junho, os pedidos de reembolso antecipado por motivos de morte, desemprego ou desloca\u00e7\u00e3o profissional, ficam isentos do pagamento da comiss\u00e3o.&nbsp;E esse Cr\u00e9dito para Estrangeiros N\u00e3o Residentes h\u00e1 isen\u00e7\u00e3o de seguro de vida.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Veja este exemplo de empr\u00e9stimo para Estrangeiros N\u00e3o Residentes<\/strong><\/h2>\n\n\n\n<p>Para este exemplo a TAEG utilizada \u00e9 de 5,6% e a TAN Vari\u00e1vel \u00e9 de 5,130%, com Euribor 6 m de 4,030% de setembro 2023 e spread de 1,10%. Nesse exemplo a presta\u00e7\u00e3o de 817,19\u20ac com um MTIC de 302.110,50\u20ac.<\/p>\n\n\n\n<p>Para um empr\u00e9stimo de \u20ac150.000 a 30 anos, com um total de 360 presta\u00e7\u00f5es, LTV de 60%, com garantia hipotec\u00e1ria as comiss\u00f5es e Despesas iniciais (inclui ISUC), ficam: \u20ac 2.295,60 + Comiss\u00f5es e Despesas regulares + Comiss\u00e3o Trimestral de Manuten\u00e7\u00e3o de Conta DO \u20ac16,20 (IS inclu\u00eddo). Seguro Multirriscos (pr\u00e9mio anual \u20ac122,63).<\/p>\n\n\n\n<p>Aten\u00e7\u00e3o: As flutua\u00e7\u00f5es da Taxa de juro podem implicar o aumento do montante a pagar e se estiver fora da zona Euro as flutua\u00e7\u00f5es cambiais podem implicar o aumento do montante a pagar em Euros.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/cartao-pre-pago-boost\/\">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":13006,"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-13008","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>Cr\u00e9dito Habita\u00e7\u00e3o para Estrangeiros N\u00e3o Residentes, \u00e9 no novobanco - Cr\u00e9dito Portugu\u00eas<\/title>\n<meta name=\"description\" content=\"Conhe\u00e7a as condi\u00e7\u00f5es do cr\u00e9dito habita\u00e7\u00e3o novobanco: taxas, prazos e requisitos para financiar a sua casa em Portugal. 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