{"id":473,"date":"2022-01-05T17:22:37","date_gmt":"2022-01-05T17:22:37","guid":{"rendered":"http:\/\/mbnegocios.pt\/?page_id=473"},"modified":"2026-05-08T15:36:18","modified_gmt":"2026-05-08T14:36:18","slug":"intermediario-de-credito","status":"publish","type":"page","link":"https:\/\/topdeal.pt\/en\/intermediario-de-credito\/","title":{"rendered":"Credit Intermediation"},"content":{"rendered":"<h2>Legal Information<\/h2>\n<p>The company \"Magnidecision, Lda\", with the NIF 516952064, is authorized by the Bank of Portugal to conduct the activity of Credit Intermediation, and is registered under the number 0006941, as it can be consulted <a href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/magnidecision-lda\" target=\"_blank\" rel=\"noopener\">here<\/a><\/p>\n<p>In the scope of the aforementioned authorization, it is important to inform the following:<\/p>\n<p><strong>Banco de Portugal Registration number<\/strong><\/p>\n<p>0006941<\/p>\n<p><strong>Category in which the company operates<\/strong><\/p>\n<p>Linked \/ Binding Contract<\/p>\n<p><strong>Identification of the lenders or groups with whom have a binding contract<\/strong><\/p>\n<ul class=\"normal\">\n<li>CAIXA GERAL DE DEP\u00d3SITOS, SA<\/li>\n<li>NOVO BANCO, SA<\/li>\n<li>BANCO BPI, SA<\/li>\n<li>ABANCA CORPORACI\u00d3N BANCARIA, SA, SUCURSAL EM PORTUGAL<\/li>\n<li>BANKINTER, SA &#8211; SUCURSAL EM PORTUGAL<\/li>\n<li>BANCO BIC PORTUGU\u00caS, SA<\/li>\n<li>BANCO CTT, SA<\/li>\n<li>UNION DE CR\u00c9DITOS INMOBILI\u00c1RIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CR\u00c9DITO (SOCIEDAD UNIPERSONAL) &#8211; SUCURSAL EM PORTUGAL<\/li>\n<li>BANCO SANTANDER TOTTA, S.A.<\/li>\n<li>BNP PARIBAS PERSONAL FINANCE, S.A. &#8211; SUCURSAL EM PORTUGAL<\/li>\n<\/ul>\n<p><strong>Exclusivity regime<\/strong><\/p>\n<p>No<\/p>\n<p><strong>Credit agreements covered<\/strong><\/p>\n<ul class=\"normal\">\n<li>Housing loans<\/li>\n<li>Credit to Consumers<\/li>\n<\/ul>\n<p><strong>Credit intermediation services\u00a0<\/strong><\/p>\n<ul class=\"normal\">\n<li>Presentation or offer of credit agreements to consumers<\/li>\n<li>Assistance to consumers by carrying out preparatory or other pre-contractual management work in respect of credit agreements that were not submitted or proposed by themselves<\/li>\n<li>Signing credit agreements with consumers on behalf of the lenders<\/li>\n<\/ul>\n<p><strong>Consultancy Services<\/strong><\/p>\n<h3>Contact details for the credit intermediation service<\/h3>\n<p><strong>Business address<\/strong><\/p>\n<p>Rua Campos Verdes, n.\u00ba 301, 4455-084, Lavra &#8211; Matosinhos<\/p>\n<p><strong>Contacts<\/strong><\/p>\n<p>Phone number: 925310450<\/p>\n<p>E-mail adress: andre.ferreira@topdeal.pt<\/p>\n<h3>Civil Liability<\/h3>\n<p><strong>Name of the Insurance Company<\/strong><\/p>\n<p>Companhia de Seguros Allianz Portugal, S.A.<\/p>\n<p><strong>Insurance policy number (Real Estate Credit Intermediation)<\/strong><\/p>\n<p>206501043<\/p>\n<p><strong>Expiration Date<\/strong><\/p>\n<p>28\/04\/2026 &#8211; 28\/10\/2026<\/p>\n<p><strong>Name of the Insurance Company\u00a0<\/strong><\/p>\n<p>Companhia de Seguros Allianz Portugal, S.A.<\/p>\n<p><strong>Insurance policy number (Credit intermediation except real estate)<\/strong><\/p>\n<p>206501020<\/p>\n<p><strong>Expiration Date<\/strong><\/p>\n<p>28\/04\/2026 &#8211; 28\/10\/2026<\/p>\n<p><strong>Important Notes<\/strong><\/p>\n<p>Os custos inerentes ao servi\u00e7o prestado s\u00e3o integralmente suportados pelos Mutuantes. N\u00e3o existe qualquer encargo a suportar pelos consumidores.<\/p>\n<p>At any time or circumstance, may our company receive or deliver any amounts that are related to the formation, execution and early execution of credit agreements, under the terms of \u201cart\u00ba 46 do Decreto-Lei 81-C\/2017 de 7 de Julho\u201d.<\/p>\n<p><strong>Competent entity for supervising the activity<\/strong><\/p>\n<p>Bank of Portugal<\/p>\n<p><strong>Contacts<\/strong><\/p>\n<p><a href=\"https:\/\/clientebancario.bportugal.pt\/\" target=\"_blank\" rel=\"noopener\">https:\/\/clientebancario.bportugal.pt\/<\/a><\/p>\n<p><strong>Complaints<\/strong><\/p>\n<p>Any complaints (free of charge), in the scope of credit intermediation services, may be submitted by e-mail to: <a href=\"mailto:geral@melhorbanco.pt\">geral@topdeal.pt<\/a><\/p>\n<p>Or, directly in the complaints book:\u00a0 <a href=\"https:\/\/www.livroreclamacoes.pt\/Inicio\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.livroreclamacoes.pt\/Inicio\/<\/a><\/p>\n<p>Or, directly at the Bank of Portugal:\u00a0 <a href=\"https:\/\/clientebancario.bportugal.pt\/\" target=\"_blank\" rel=\"noopener\">https:\/\/clientebancario.bportugal.pt\/<\/a><\/p>\n<p><b>Alternative Dispute Settlement Offices<\/b><\/p>\n<ul class=\"normal\">\n<li>CICAP - Tribunal Arbitral de Consumo (Consumer Arbitration Court):\u00a0 <a href=\"https:\/\/www.cicap.pt\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.cicap.pt\/<\/a><\/li>\n<li>CIAB \u2013 Tribunal Arbitral de Consumo (Consumer Arbitration Court):\u00a0 <a href=\"https:\/\/www.ciab.pt\/pt\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ciab.pt\/pt\/<\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Informa\u00e7\u00f5es legais A empresa &#8220;Magnidecision, Lda&#8221;, com o NIF 516952064, tem autoriza\u00e7\u00e3o para exercer atividade de Intermedia\u00e7\u00e3o de Cr\u00e9dito junto do Banco de Portugal e registada sob o n\u00ba 0006941, conforme pode ser consultado aqui. No \u00e2mbito da referida autoriza\u00e7\u00e3o importa informar o seguinte: N\u00famero de registo Banco de Portugal 0006941 Categoria em que exerce [&hellip;]<\/p>","protected":false},"author":1,"featured_media":486,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_joinchat":[],"footnotes":""},"class_list":["post-473","page","type-page","status-publish","has-post-thumbnail","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/pages\/473","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/comments?post=473"}],"version-history":[{"count":6,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/pages\/473\/revisions"}],"predecessor-version":[{"id":1047,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/pages\/473\/revisions\/1047"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media\/486"}],"wp:attachment":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media?parent=473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}