{"id":13018,"date":"2023-11-13T21:34:46","date_gmt":"2023-11-13T21:34:46","guid":{"rendered":"https:\/\/creditoportugues.com\/?p=13018"},"modified":"2026-04-08T17:27:43","modified_gmt":"2026-04-08T17:27:43","slug":"sonho-da-casa-propria-no-novobanco","status":"publish","type":"post","link":"https:\/\/creditoportugues.com\/wp-backup\/sonho-da-casa-propria-no-novobanco\/","title":{"rendered":"Mesmo com 50 +, realize o seu sonho da casa pr\u00f3pria no novobanco"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Relembrando alguns detalhes sobre o financiamento 50 + do novobanco<\/strong><\/h2>\n\n\n\n<p>Relembre o que pode receber: Para&nbsp;Habita\u00e7\u00e3o Pr\u00f3pria Permanente at\u00e9 90% do valor da avalia\u00e7\u00e3o da casa ou 75% do valor de escritura. \u00c9 escolhido o menor valor.<\/p>\n\n\n\n<p>Para&nbsp;outras finalidades, ou seja, se o seu objetivo for comprar um im\u00f3vel para casa de f\u00e9rias, casa para arrendamento. Ter\u00e1s at\u00e9 75% do valor da avalia\u00e7\u00e3o da casa ou 75% do valor de escritura. Tamb\u00e9m neste caso, \u00e9 escolhido o menor valor.<\/p>\n\n\n\n<p>E, importante, o valor de avalia\u00e7\u00e3o ou o custo estimado de obras e a constru\u00e7\u00e3o, caso seja esse a objetivo, \u00e9 sempre calculado por avaliadores contratados pelo novobanco e certificados pela CMVM.<\/p>\n\n\n<div class=\"lazyblock-cartao-solicitacao-Z8GqCw 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_4-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\">Seguro Inclu\u00eddo<\/span>\n      <span class=\"cp-card-pro__tag\">Processo Simplificado<\/span>\n    <\/div>\n    <p class=\"cp-card-pro__description\"> Permite escolher prazos que se adaptam a cada situa\u00e7\u00e3o.<\/p>\n    <div class=\"cp-card-pro__footer\">\n      <a href=\"https:\/\/www.novobanco.pt\/particulares\/credito-habitacao\/mais-de-50-anos\" 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-Z1Hkbjm 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-classic-do-banco-montepio-o-cartao-que-isenta-taxas-de-comissao\/\" class=\"cp-links__item\">0\u20ac DE COMISS\u00c3O \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\">INTERNACIONAL \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\">0\u20ac DE COMISS\u00c3O\t \u279d<\/a>\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  <\/div>\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Prazo do empr\u00e9stimo e garantia para o financiamento 50 + do novobanco<\/strong><\/h2>\n\n\n\n<p>Por ser um financiamento para pessoas com 50 anos ou mais, h\u00e1 um alargamento do prazo at\u00e9 aos 80 anos. A condi\u00e7\u00e3o dependente dos valores de rendimentos. \u00c9 necess\u00e1rio entrar em contato com um gestor no novobanco para adequar o que queres com o que o novobanco pode te oferecer neste financiamento.<\/p>\n\n\n\n<p>Esta informa\u00e7\u00e3o \u00e9 bem importante: Os empr\u00e9stimos ser\u00e3o garantidos 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, caso tenha.<\/p>\n\n\n\n<p>Pode tamb\u00e9m recorrer a fiadores para assegurar o pagamento do empr\u00e9stimo, mas lembre-se tudo \u00e9 uma quest\u00e3o de entrar em contato com os gestores do novobanco e ver a melhor maneira de realizar o que desejas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Montante de financiamento libertados para o<\/strong> <strong>financiamento 50 + do novobanco<\/strong><\/h2>\n\n\n\n<p>Diferentes op\u00e7\u00f5es para&nbsp;Habita\u00e7\u00e3o Pr\u00f3pria Permanente at\u00e9 90% do valor da avalia\u00e7\u00e3o o da casa ou 75% do valor de escritura ou casa de f\u00e9rias e casa para arrendamento&nbsp;com at\u00e9 75% do valor da avalia\u00e7\u00e3o da casa ou 75% do valor de escritura.<\/p>\n\n\n\n<p>A Taxa vari\u00e1vel,&nbsp;indexada \u00e0 Euribor a 12 meses, acrescida de&nbsp;spread a partir de 0,9%.&nbsp;A Taxa Fixa,&nbsp;aplic\u00e1vel durante todo o prazo do contrato,&nbsp;de 2 a 5, 10, 15, 20, 25 ou 30 anos, acrescida de spread.ap\u00f3s constru\u00e7\u00e3o ou a Taxa mista, num per\u00edodo inicial de 2 a 5, 10, 15, 20, 25 ou 30 anos, a taxa \u00e9 fixa acrescida de spread. No restante prazo a taxa \u00e9 vari\u00e1vel indexada \u00e0 Euribor a 12 meses, acrescida de spread.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Liquida\u00e7\u00e3o do cr\u00e9dito<\/strong> <strong>para o<\/strong> <strong>financiamento 50 + do novobanco<\/strong><\/h2>\n\n\n\n<p>O Cr\u00e9dito Habita\u00e7\u00e3o \u00e9 automaticamente saldado com o pagamento da \u00faltima presta\u00e7\u00e3o. Em caso de liquida\u00e7\u00e3o antecipada, para empr\u00e9stimos com taxa vari\u00e1vel, \u00e9 aplicada uma taxa de 0,5% sobre o capital amortizado.<\/p>\n\n\n\n<p>Conforme estabelecido pelo Decreto-Lei 80-A\/2022, de 25 de novembro, 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 de comiss\u00f5es at\u00e9 31\/12\/2023. De acordo com o Decreto-Lei 74-A\/2017, de 23 de junho, os pedidos de reembolso antecipado motivados por \u00f3bito, desemprego ou desloca\u00e7\u00e3o profissional est\u00e3o isentos de comiss\u00f5es.<\/p>\n\n\n\n<p>A contrata\u00e7\u00e3o do Seguro de Vida de ambos os titulares a 50% e isen\u00e7\u00e3o do seguro a partir dos 65 anos, deixa de ser obrigat\u00f3rio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Veja as Condi\u00e7\u00f5es Redu\u00e7\u00e3o Spread<\/strong> <strong>para o<\/strong> <strong>financiamento 50 + do novobanco<\/strong><\/h2>\n\n\n\n<p>Diminua o spread em 0,6% ao subscrever a Domicilia\u00e7\u00e3o do Sal\u00e1rio: Refere-se a transfer\u00eancias mensais de sal\u00e1rios ou pens\u00f5es identificadas como &#8220;08&#8221; ou &#8220;11&#8221;. Outros tipos de transa\u00e7\u00f5es podem ser considerados, mas est\u00e3o sujeitos a crit\u00e9rios m\u00ednimos, incluindo um valor superior a 250\u20ac e uma perman\u00eancia regular m\u00ednima de 4 meses.<\/p>\n\n\n\n<p>Conta Pacote: Trata-se de uma conta \u00e0 ordem que inclui um conjunto de produtos e servi\u00e7os associados. Ao subscrev\u00ea-los em conjunto, beneficia de condi\u00e7\u00f5es vantajosas e comiss\u00f5es reduzidas.<\/p>\n\n\n\n<p>Reduza o spread em 0,2% ao aderir ao Pack Prote\u00e7\u00e3o, com o Seguro (Gamalife) associado ao Cr\u00e9dito Habita\u00e7\u00e3o: Este seguro assegura o pagamento integral do capital em d\u00edvida em caso de morte ou invalidez absoluta e definitiva para todos os titulares n\u00e3o isentos.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/cartao-da-radio\/\">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":13019,"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-13018","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>Mesmo com 50 +, realize o seu sonho da casa pr\u00f3pria no novobanco - 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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