{"id":862,"date":"2025-03-27T20:49:58","date_gmt":"2025-03-27T20:49:58","guid":{"rendered":"https:\/\/topdeal.pt\/?p=862"},"modified":"2025-03-27T20:49:58","modified_gmt":"2025-03-27T20:49:58","slug":"euribor-a-tres-meses-cai-pelo-setimo-dia-consecutivo-atingindo-minimo-desde-janeiro-de-2023","status":"publish","type":"post","link":"https:\/\/topdeal.pt\/en\/euribor-a-tres-meses-cai-pelo-setimo-dia-consecutivo-atingindo-minimo-desde-janeiro-de-2023\/","title":{"rendered":"Euribor a tr\u00eas meses cai pelo s\u00e9timo dia consecutivo, atingindo m\u00ednimo desde Janeiro de 2023"},"content":{"rendered":"<p>A taxa Euribor a tr\u00eas meses registou, esta ter\u00e7a-feira, a s\u00e9tima descida consecutiva, fixando-se em <strong>2,365%<\/strong>, o valor mais baixo desde janeiro de 2023. Esta descida acompanha a tend\u00eancia de queda das taxas a seis e a doze meses.<\/p>\n<p><strong>Evolu\u00e7\u00e3o das taxas Euribor:<\/strong><\/p>\n<ul>\n<li><strong>Euribor a 3 meses<\/strong>: Fixada em 2,365%, menos <strong>0,002 pontos percentuais<\/strong>;<\/li>\n<li><strong>Euribor a 6 meses<\/strong>: Fixada em 2,386%, menos <strong>0,013 pontos percentuais<\/strong>;<\/li>\n<li><strong>Euribor a 12 meses<\/strong>: Fixada em 2,354%, menos <strong>0,012 pontos percentuais<\/strong>.<\/li>\n<\/ul>\n<p>Atualmente, a taxa Euribor a seis meses \u00e9 a mais utilizada em Portugal para cr\u00e9ditos \u00e0 habita\u00e7\u00e3o com taxa vari\u00e1vel, representando <strong>37,75% do stock<\/strong> de empr\u00e9stimos, segundo dados do Banco de Portugal. As taxas a 12 e a 3 meses correspondem a <strong>32,52% e 25,57%<\/strong>, respetivamente.<\/p>\n<p><strong>Impacto nos certificados de aforro<\/strong><\/p>\n<p>A taxa Euribor a tr\u00eas meses influencia o c\u00e1lculo da taxa base dos <strong>Certificados de Aforro<\/strong>, determinada mensalmente. Esta taxa n\u00e3o pode ultrapassar <strong>2,50%<\/strong> nem ser inferior a <strong>0%<\/strong>. Para novas subscri\u00e7\u00f5es da <strong>S\u00e9rie F<\/strong>, a taxa de juro bruta em mar\u00e7o de 2025 foi fixada em <strong>2,500%<\/strong>.<\/p>\n<p><strong>Tend\u00eancia mensal<\/strong><\/p>\n<p>Em fevereiro, a m\u00e9dia mensal das taxas Euribor registou novas descidas:<\/p>\n<ul>\n<li><strong>Euribor a 3 meses<\/strong>: 2,525% (-0,177 pontos);<\/li>\n<li><strong>Euribor a 6 meses<\/strong>: 2,460% (-0,154 pontos);<\/li>\n<li><strong>Euribor a 12 meses<\/strong>: 2,407% (-0,118 pontos).<\/li>\n<\/ul>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-865\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/1.png?resize=588%2C376\" alt=\"\" width=\"588\" height=\"376\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/1.png?resize=300%2C192&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/1.png?resize=1024%2C654&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/1.png?resize=768%2C491&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/1.png?resize=1536%2C981&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/1.png?resize=2048%2C1309&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/1.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 588px) 100vw, 588px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-866\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/2.png?resize=580%2C369\" alt=\"\" width=\"580\" height=\"369\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/2.png?resize=300%2C191&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/2.png?resize=1024%2C653&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/2.png?resize=768%2C490&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/2.png?resize=1536%2C980&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/2.png?resize=2048%2C1307&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/2.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 580px) 100vw, 580px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-867\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/3.png?resize=576%2C367\" alt=\"\" width=\"576\" height=\"367\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/3.png?resize=300%2C191&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/3.png?resize=1024%2C652&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/3.png?resize=768%2C489&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/3.png?resize=1536%2C978&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/3.png?resize=2048%2C1304&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/03\/3.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><\/p>\n<p><a href=\"https:\/\/www.euribor-rates.eu\/en\/euribor-charts\/\">Consultar gr\u00e1ficos aqui<\/a><\/p>\n<p><strong>Decis\u00e3o do BCE e perspetivas futuras<\/strong><\/p>\n<p>Em linha com as previs\u00f5es do mercado, o Banco Central Europeu (BCE) decidiu, em mar\u00e7o, reduzir as <strong>taxas de juro diretoras<\/strong> pela <strong>quinta vez em seis meses<\/strong>, fixando-as em <strong>2,5%<\/strong>.<\/p>\n<p>No entanto, a presidente do BCE, <strong>Christine Lagarde<\/strong>, sinalizou que a institui\u00e7\u00e3o poder\u00e1 interromper os cortes nas taxas de juro a partir de abril. A pr\u00f3xima reuni\u00e3o de pol\u00edtica monet\u00e1ria do BCE est\u00e1 agendada para <strong>16 e 17 de abril<\/strong>, em Frankfurt.<\/p>\n<p><strong>O que \u00e9 a Euribor?<\/strong><\/p>\n<p>A Euribor \u00e9 calculada com base na m\u00e9dia das taxas aplicadas por <strong>19 bancos da zona euro<\/strong> para emprestar dinheiro entre si no mercado interbanc\u00e1rio. A sua evolu\u00e7\u00e3o tem impacto direto nas taxas de juro de v\u00e1rios produtos financeiros, incluindo cr\u00e9ditos \u00e0 habita\u00e7\u00e3o e produtos de poupan\u00e7a.<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>A taxa Euribor a tr\u00eas meses registou, esta ter\u00e7a-feira, a s\u00e9tima descida consecutiva, fixando-se em 2,365%, o valor mais baixo desde janeiro de 2023. Esta descida acompanha a tend\u00eancia de queda das taxas a seis e a doze meses.<\/p>","protected":false},"author":3,"featured_media":869,"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-862","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\/03\/Projeto-RS-TopDeal-Post-do-X-Twitter-4.png?fit=1600%2C900&ssl=1","_links":{"self":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/862","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=862"}],"version-history":[{"count":3,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/862\/revisions"}],"predecessor-version":[{"id":870,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/862\/revisions\/870"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media\/869"}],"wp:attachment":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media?parent=862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/categories?post=862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/tags?post=862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}