{"id":826,"date":"2025-02-27T20:06:04","date_gmt":"2025-02-27T20:06:04","guid":{"rendered":"https:\/\/topdeal.pt\/?p=826"},"modified":"2025-02-27T20:06:04","modified_gmt":"2025-02-27T20:06:04","slug":"descida-na-prestacao-da-casa-em-marco-o-que-esperar","status":"publish","type":"post","link":"https:\/\/topdeal.pt\/en\/descida-na-prestacao-da-casa-em-marco-o-que-esperar\/","title":{"rendered":"Descida na presta\u00e7\u00e3o da casa em Mar\u00e7o: O que esperar?"},"content":{"rendered":"<p>Mar\u00e7o traz boas not\u00edcias para quem tem cr\u00e9dito \u00e0 habita\u00e7\u00e3o: as presta\u00e7\u00f5es v\u00e3o descer at\u00e9 110 euros devido \u00e0 queda das taxas Euribor, que n\u00e3o estavam t\u00e3o baixas desde o final de 2022.<\/p>\n<p><strong>Tend\u00eancia de descida na Euribor<\/strong><\/p>\n<p>Segundo Nuno Rico, especialista da DECO-PROTeste, todas as m\u00e9dias da Euribor registaram descidas significativas. A <strong>Euribor<\/strong> a <strong>12 meses<\/strong> est\u00e1 no n\u00edvel mais baixo desde Outubro de 2022, a de <strong>seis meses<\/strong> desde Novembro de 2022 e a de <strong>tr\u00eas meses<\/strong> desde Fevereiro de 2023. Esta tend\u00eancia reflete-se diretamente na redu\u00e7\u00e3o das presta\u00e7\u00f5es do cr\u00e9dito \u00e0 habita\u00e7\u00e3o.<\/p>\n<p><strong>Quanto pode poupar?<\/strong><\/p>\n<p>Tomemos como refer\u00eancia um cr\u00e9dito de 150 mil euros a 30 anos, com um spread de 1%:<\/p>\n<ul>\n<li><strong>Euribor a 12 meses<\/strong>: a presta\u00e7\u00e3o desce de <strong>765 euros para 655 euros<\/strong>, uma redu\u00e7\u00e3o de <strong>110 euros (14,37%)<\/strong>.<\/li>\n<li><strong>Euribor a 6 meses<\/strong>: a presta\u00e7\u00e3o baixa de <strong>753 euros para 671 euros<\/strong>, uma redu\u00e7\u00e3o de <strong>82 euros (10,88%)<\/strong>.<\/li>\n<li><strong>Euribor a 3 meses<\/strong>: a presta\u00e7\u00e3o cai de <strong>717 euros para 676 euros<\/strong>, uma descida de <strong>41 euros (5,19%)<\/strong>.<\/li>\n<\/ul>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-835\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/1.png?resize=515%2C314\" alt=\"\" width=\"515\" height=\"314\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/1.png?resize=300%2C183&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/1.png?resize=1024%2C626&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/1.png?resize=768%2C469&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/1.png?resize=1536%2C939&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/1.png?resize=2048%2C1252&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/1.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 515px) 100vw, 515px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-836\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/2.png?resize=512%2C314\" alt=\"\" width=\"512\" height=\"314\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/2.png?resize=300%2C184&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/2.png?resize=1024%2C627&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/2.png?resize=768%2C470&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/2.png?resize=1536%2C940&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/2.png?resize=2048%2C1254&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/2.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-837\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/3.png?resize=512%2C314\" alt=\"\" width=\"512\" height=\"314\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/3.png?resize=300%2C184&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/3.png?resize=1024%2C627&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/3.png?resize=768%2C470&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/3.png?resize=1536%2C940&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/3.png?resize=2048%2C1254&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/3.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/p>\n<p><a href=\"https:\/\/www.euribor-rates.eu\/en\/euribor-charts\/\">Consultar gr\u00e1ficos aqui<\/a><\/p>\n<p><strong>O que influencia esta queda?<\/strong><\/p>\n<p>Dois fatores principais influenciam o comportamento das taxas Euribor:<\/p>\n<ol>\n<li><strong>Conflito na Ucr\u00e2nia<\/strong>: A sua resolu\u00e7\u00e3o poderia impulsionar a economia europeia e estabilizar os mercados.<\/li>\n<li><strong>Pol\u00edtica comercial dos EUA<\/strong>: O poss\u00edvel aumento das tarifas aduaneiras para a Uni\u00e3o Europeia pode trazer incerteza, afetando a infla\u00e7\u00e3o e a pol\u00edtica monet\u00e1ria do BCE.<\/li>\n<\/ol>\n<p><strong>E o futuro?<\/strong><\/p>\n<p>O Banco Central Europeu enfrenta um dilema: continuar a apoiar economias como a alem\u00e3 e a francesa ou conter eventuais riscos inflacion\u00e1rios. A incerteza ainda marca o mercado, mas, para j\u00e1, a tend\u00eancia \u00e9 positiva para as fam\u00edlias, que veem os seus encargos com o cr\u00e9dito habita\u00e7\u00e3o diminuir.<\/p>\n<p>Se est\u00e1 a pensar renegociar o seu cr\u00e9dito, este pode ser um bom momento para avaliar as condi\u00e7\u00f5es do mercado e encontrar uma solu\u00e7\u00e3o mais vantajosa.<\/p>","protected":false},"excerpt":{"rendered":"<p>Mar\u00e7o traz boas not\u00edcias para quem tem cr\u00e9dito \u00e0 habita\u00e7\u00e3o: as presta\u00e7\u00f5es v\u00e3o descer at\u00e9 110 euros devido \u00e0 queda das taxas Euribor, que n\u00e3o estavam t\u00e3o baixas desde o final de 2022. Tend\u00eancia de descida na Euribor Segundo Nuno Rico, especialista da DECO-PROTeste, todas as m\u00e9dias da Euribor registaram descidas significativas. A Euribor a [&hellip;]<\/p>","protected":false},"author":3,"featured_media":827,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"_joinchat":[],"footnotes":"","jetpack_post_was_ever_published":false},"categories":[4],"tags":[],"class_list":["post-826","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-habitacao"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/02\/Projeto-RS-TopDeal-Post-do-X-Twitter-1.png?fit=1600%2C900&ssl=1","_links":{"self":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/826","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/comments?post=826"}],"version-history":[{"count":5,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/826\/revisions"}],"predecessor-version":[{"id":840,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/826\/revisions\/840"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media\/827"}],"wp:attachment":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media?parent=826"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/categories?post=826"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/tags?post=826"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}