{"id":871,"date":"2025-04-29T19:18:33","date_gmt":"2025-04-29T18:18:33","guid":{"rendered":"https:\/\/topdeal.pt\/?p=871"},"modified":"2025-04-29T19:18:33","modified_gmt":"2025-04-29T18:18:33","slug":"euribor-com-movimentos-mistos-baixa-a-tres-meses-sobe-a-seis-e-12-meses","status":"publish","type":"post","link":"https:\/\/topdeal.pt\/en\/euribor-com-movimentos-mistos-baixa-a-tres-meses-sobe-a-seis-e-12-meses\/","title":{"rendered":"Euribor com movimentos mistos: baixa a tr\u00eas meses, sobe a seis e 12 meses"},"content":{"rendered":"<p>A semana come\u00e7ou com movimentos distintos nas principais taxas Euribor, que continuam a influenciar diretamente os encargos dos cr\u00e9ditos \u00e0 habita\u00e7\u00e3o com taxa vari\u00e1vel em Portugal.<\/p>\n<p>The <strong>Euribor a tr\u00eas meses<\/strong> registou uma <strong>descida para 2,176%<\/strong>, menos 0,010 pontos do que no dia anterior. Apesar da queda, esta taxa mant\u00e9m-se <strong>acima das taxas a seis e a 12 meses<\/strong>, algo que n\u00e3o \u00e9 comum.<\/p>\n<p>The <strong>Euribor a seis meses<\/strong>, atualmente a mais utilizada nos cr\u00e9ditos \u00e0 habita\u00e7\u00e3o em Portugal desde Janeiro de 2024, <strong>subiu ligeiramente para 2,131%<\/strong>, com um aumento de 0,007 pontos. Segundo dados recentes do <strong>Bank of Portugal<\/strong>, esta taxa representa <strong>37,52% dos contratos de cr\u00e9dito \u00e0 habita\u00e7\u00e3o com taxa vari\u00e1vel<\/strong>.<\/p>\n<p>The <strong>taxa a 12 meses<\/strong> tamb\u00e9m registou uma <strong>subida de 0,010 pontos<\/strong>, sendo agora fixada em <strong>2,076%<\/strong>. De acordo com os mesmos dados, <strong>32,50% dos contratos est\u00e3o indexados a esta taxa<\/strong>, enquanto <strong>25,72% est\u00e3o associados \u00e0 Euribor a tr\u00eas meses<\/strong>.<\/p>\n<p>Este cen\u00e1rio surge pouco tempo depois da \u00faltima reuni\u00e3o de pol\u00edtica monet\u00e1ria do <strong>Banco Central Europeu (BCE)<\/strong>, que ocorreu a 17 de Abril. O BCE decidiu reduzir a sua taxa diretora em 0,25 pontos percentuais, fixando-a em <strong>2,25%<\/strong> \u2014 a <strong>s\u00e9tima descida consecutiva<\/strong> desde Junho de 2024. A pr\u00f3xima reuni\u00e3o est\u00e1 agendada para os dias <strong>5 e 6 de Junho<\/strong>, em Frankfurt.<\/p>\n<p>No que diz respeito \u00e0 <strong>m\u00e9dia mensal das taxas Euribor em Mar\u00e7o<\/strong>, registaram-se <strong>quedas ligeiras<\/strong> nas tr\u00eas maturidades:<\/p>\n<ul>\n<li>2,442% a tr\u00eas meses (menos 0,083 pontos),<\/li>\n<li>2,385% a seis meses (menos 0,075 pontos),<\/li>\n<li>2,398% a 12 meses (menos 0,009 pontos).<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-872\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img1.png?resize=628%2C398\" alt=\"\" width=\"628\" height=\"398\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img1.png?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img1.png?resize=1024%2C649&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img1.png?resize=768%2C487&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img1.png?resize=1536%2C974&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img1.png?resize=2048%2C1298&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img1.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 628px) 100vw, 628px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-873\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img2.png?resize=631%2C404\" alt=\"\" width=\"631\" height=\"404\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img2.png?resize=300%2C192&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img2.png?resize=1024%2C654&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img2.png?resize=768%2C491&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img2.png?resize=1536%2C981&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img2.png?resize=2048%2C1308&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img2.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 631px) 100vw, 631px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-874\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img3.png?resize=633%2C405\" alt=\"\" width=\"633\" height=\"405\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img3.png?resize=300%2C192&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img3.png?resize=1024%2C655&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img3.png?resize=768%2C491&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img3.png?resize=1536%2C982&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img3.png?resize=2048%2C1309&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/04\/Img3.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 633px) 100vw, 633px\" \/><\/p>\n<p><a href=\"https:\/\/www.euribor-rates.eu\/en\/euribor-charts\/\">Consultar gr\u00e1ficos aqui<\/a><\/p>\n<p>Para quem est\u00e1 a considerar contratar ou renegociar um cr\u00e9dito \u00e0 habita\u00e7\u00e3o, \u00e9 fundamental acompanhar estas varia\u00e7\u00f5es. A <strong>Euribor continua a ser um dos principais indicadores do custo dos financiamentos em Portugal<\/strong>, e qualquer flutua\u00e7\u00e3o pode impactar o or\u00e7amento das fam\u00edlias.<\/p>\n<p>Na <strong>TopDeal<\/strong>, ajudamos os nossos clientes a analisar o mercado, comparar solu\u00e7\u00f5es e encontrar as melhores condi\u00e7\u00f5es para os seus cr\u00e9ditos. Fale connosco para obter apoio personalizado e tomar decis\u00f5es financeiras mais informadas.<\/p>","protected":false},"excerpt":{"rendered":"<p>A semana come\u00e7ou com movimentos distintos nas principais taxas Euribor, que continuam a influenciar diretamente os encargos dos cr\u00e9ditos \u00e0 habita\u00e7\u00e3o com taxa vari\u00e1vel em Portugal.<\/p>","protected":false},"author":3,"featured_media":876,"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-871","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\/04\/Projeto-RS-TopDeal-Post-do-X-Twitter-3.png?fit=1600%2C900&ssl=1","_links":{"self":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/871","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=871"}],"version-history":[{"count":3,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/871\/revisions"}],"predecessor-version":[{"id":878,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/871\/revisions\/878"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media\/876"}],"wp:attachment":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media?parent=871"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/categories?post=871"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/tags?post=871"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}