{"id":906,"date":"2025-07-30T18:47:27","date_gmt":"2025-07-30T17:47:27","guid":{"rendered":"https:\/\/topdeal.pt\/?p=906"},"modified":"2025-07-30T18:53:59","modified_gmt":"2025-07-30T17:53:59","slug":"euribor-volta-a-subir-e-ultrapassa-os-2-nos-tres-prazos-o-que-muda-para-quem-tem-credito-habitacao","status":"publish","type":"post","link":"https:\/\/topdeal.pt\/en\/euribor-volta-a-subir-e-ultrapassa-os-2-nos-tres-prazos-o-que-muda-para-quem-tem-credito-habitacao\/","title":{"rendered":"Euribor volta a subir e ultrapassa os 2% nos tr\u00eas prazos: o que muda para quem tem cr\u00e9dito habita\u00e7\u00e3o?"},"content":{"rendered":"<p>As taxas Euribor subiram novamente esta semana, afetando os prazos a tr\u00eas, seis e doze meses \u2014 todos acima dos 2%. Esta tend\u00eancia tem impacto direto nos contratos de cr\u00e9dito habita\u00e7\u00e3o com taxa vari\u00e1vel, influenciando o valor das presta\u00e7\u00f5es mensais.<\/p>\n<p><strong>O que aconteceu?<\/strong><\/p>\n<p>Segundo os dados mais recentes:<\/p>\n<ul>\n<li>Euribor a <strong>3 meses<\/strong>: 2,016% (+0,045 pontos)<\/li>\n<li>Euribor a <strong>6 meses<\/strong>: 2,101% (+0,048 pontos)<\/li>\n<li>Euribor a <strong>12 meses<\/strong>: 2,131% (+0,073 pontos)<\/li>\n<\/ul>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-918\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/1-1.png?resize=570%2C361\" alt=\"\" width=\"570\" height=\"361\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/1-1.png?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/1-1.png?resize=1024%2C648&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/1-1.png?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/1-1.png?resize=1536%2C973&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/1-1.png?resize=2048%2C1297&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/1-1.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 570px) 100vw, 570px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-912\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/2.png?resize=565%2C358\" alt=\"\" width=\"565\" height=\"358\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/2.png?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/2.png?resize=1024%2C649&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/2.png?resize=768%2C487&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/2.png?resize=1536%2C973&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/2.png?resize=2048%2C1298&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/2.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 565px) 100vw, 565px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-913\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/3.png?resize=565%2C358\" alt=\"\" width=\"565\" height=\"358\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/3.png?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/3.png?resize=1024%2C648&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/3.png?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/3.png?resize=1536%2C972&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/3.png?resize=2048%2C1296&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/07\/3.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 565px) 100vw, 565px\" \/><\/p>\n<p>Source: <a href=\"https:\/\/www.euribor-rates.eu\/en\/euribor-charts\/\">Euribor-rates.eu<\/a><\/p>\n<p>A taxa a 6 meses, que desde janeiro de 2024 \u00e9 a mais comum nos contratos de cr\u00e9dito habita\u00e7\u00e3o em Portugal, representa atualmente cerca de 38% dos empr\u00e9stimos com taxa vari\u00e1vel. Os prazos de 12 e 3 meses representam cerca de 32% e 26%, respetivamente.<\/p>\n<p><strong>O que significa esta subida para os consumidores?<\/strong><\/p>\n<p>Embora o aumento seja moderado, representa um sinal de poss\u00edvel estabiliza\u00e7\u00e3o das taxas ap\u00f3s meses de quedas. Os especialistas preveem que o Banco Central Europeu manter\u00e1 as taxas diretoras inalteradas at\u00e9 ao final de 2025, ap\u00f3s um ciclo de redu\u00e7\u00f5es iniciado em junho de 2024.<\/p>\n<p>Para quem tem ou procura cr\u00e9dito habita\u00e7\u00e3o, esta evolu\u00e7\u00e3o refor\u00e7a a import\u00e2ncia de acompanhar a Euribor e simular as presta\u00e7\u00f5es com base nas taxas atuais.<\/p>\n<p><strong>Como podemos ajudar?<\/strong><\/p>\n<p>Enquanto intermedi\u00e1rio de cr\u00e9dito vinculado (registo n\u00ba 0006941 no Banco de Portugal), oferecemos um acompanhamento gratuito, imparcial e personalizado em todo o processo de cr\u00e9dito habita\u00e7\u00e3o.<\/p>\n<ul>\n<li>Compare propostas de v\u00e1rios bancos<\/li>\n<li>Re\u00fana a documenta\u00e7\u00e3o com apoio especializado<\/li>\n<li>Simule sem compromisso com total transpar\u00eancia<\/li>\n<\/ul>\n<p>Aviso Legal: A TopDeal atua como intermedi\u00e1rio de cr\u00e9dito vinculado, registado no Banco de Portugal sob o n\u00ba 0006941. Toda a nossa atividade \u00e9 supervisionada por esta entidade. Esta publica\u00e7\u00e3o tem fins exclusivamente informativos e n\u00e3o substitui a consulta individualizada de condi\u00e7\u00f5es junto das entidades financeiras.<\/p>\n<p><a href=\"https:\/\/topdeal.pt\/en\/#credito-habitacao\">Simule j\u00e1 no nosso site<\/a><br \/>\n<a href=\"https:\/\/clientebancario.bportugal.pt\/pt-pt\/registo-do-intermediario-de-credito\">Consulte a lista de intermedi\u00e1rios no BdP<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>As taxas Euribor subiram novamente esta semana, afetando os prazos a tr\u00eas, seis e doze meses \u2014 todos acima dos 2%. Esta tend\u00eancia tem impacto direto nos contratos de cr\u00e9dito habita\u00e7\u00e3o com taxa vari\u00e1vel, influenciando o valor das presta\u00e7\u00f5es mensais.<\/p>","protected":false},"author":3,"featured_media":914,"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-906","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\/07\/Projeto-RS-TopDeal-Post-do-X-Twitter.png?fit=1600%2C900&ssl=1","_links":{"self":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/906","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=906"}],"version-history":[{"count":5,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/906\/revisions"}],"predecessor-version":[{"id":921,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/906\/revisions\/921"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media\/914"}],"wp:attachment":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media?parent=906"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/categories?post=906"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/tags?post=906"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}