{"id":923,"date":"2025-08-29T19:57:39","date_gmt":"2025-08-29T18:57:39","guid":{"rendered":"https:\/\/topdeal.pt\/?p=923"},"modified":"2025-08-29T19:57:39","modified_gmt":"2025-08-29T18:57:39","slug":"euribor-volta-a-subir-o-que-significa-para-quem-tem-credito-habitacao","status":"publish","type":"post","link":"https:\/\/topdeal.pt\/en\/euribor-volta-a-subir-o-que-significa-para-quem-tem-credito-habitacao\/","title":{"rendered":"Euribor volta a subir: o que significa para quem tem cr\u00e9dito habita\u00e7\u00e3o?"},"content":{"rendered":"<p>As taxas Euribor registaram nova subida nos prazos a tr\u00eas, seis e 12 meses, mantendo-se todas acima dos 2%. A taxa a seis meses \u2014 a mais utilizada em Portugal para cr\u00e9ditos habita\u00e7\u00e3o com taxa vari\u00e1vel \u2014 fixou-se agora em 2,101%, refor\u00e7ando a tend\u00eancia de estabilidade em valores elevados.<\/p>\n<p><strong>O que isto significa para as fam\u00edlias?<\/strong><\/p>\n<p>Para quem tem cr\u00e9dito \u00e0 habita\u00e7\u00e3o indexado \u00e0 Euribor, estas varia\u00e7\u00f5es podem refletir-se no valor das presta\u00e7\u00f5es mensais. Uma subida, mesmo que pequena, pode aumentar o esfor\u00e7o financeiro, sobretudo em contratos de taxa vari\u00e1vel.<\/p>\n<ul>\n<li>Euribor a 3 meses: 2,016%<\/li>\n<li>Euribor a 6 meses: 2,101%<\/li>\n<li>Euribor a 12 meses: 2,131%<\/li>\n<\/ul>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-924\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/1.png?resize=558%2C355\" alt=\"\" width=\"558\" height=\"355\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/1.png?resize=300%2C191&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/1.png?resize=1024%2C653&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/1.png?resize=768%2C489&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/1.png?resize=1536%2C979&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/1.png?resize=2048%2C1305&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/1.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 558px) 100vw, 558px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-925\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/2.png?resize=558%2C359\" alt=\"\" width=\"558\" height=\"359\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/2.png?resize=300%2C193&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/2.png?resize=1024%2C657&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/2.png?resize=768%2C493&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/2.png?resize=1536%2C986&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/2.png?resize=2048%2C1315&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/2.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 558px) 100vw, 558px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-926\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/3.png?resize=558%2C355\" alt=\"\" width=\"558\" height=\"355\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/3.png?resize=300%2C191&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/3.png?resize=1024%2C653&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/3.png?resize=768%2C490&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/3.png?resize=1536%2C979&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/3.png?resize=2048%2C1306&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/3.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 558px) 100vw, 558px\" \/><\/p>\n<p>Source: <a href=\"https:\/\/www.euribor-rates.eu\/en\/euribor-charts\/\">Euribor-rates.eu<\/a><\/p>\n<p>Segundo dados do Banco de Portugal, a Euribor a seis meses representava quase 38% dos contratos de cr\u00e9dito \u00e0 habita\u00e7\u00e3o com taxa vari\u00e1vel em Portugal.<\/p>\n<p><strong>Qual o nosso papel?<\/strong><\/p>\n<p>Enquanto Intermedi\u00e1rio de Cr\u00e9dito vinculado, registado no Banco de Portugal sob o n\u00ba 0006941, acompanhamos estas tend\u00eancias para apoiar os nossos clientes com informa\u00e7\u00e3o clara e atualizada.<\/p>\n<p>O nosso objetivo \u00e9 simplificar o processo de decis\u00e3o, ajudando cada cliente a comparar op\u00e7\u00f5es e encontrar a solu\u00e7\u00e3o que melhor se adequa \u00e0 sua realidade financeira.<\/p>\n<ul>\n<li>Servi\u00e7os gratuitos<\/li>\n<li>Apoio personalizado \u00e0 dist\u00e2ncia<\/li>\n<li>Explica\u00e7\u00e3o transparente das implica\u00e7\u00f5es das taxas Euribor no seu cr\u00e9dito<\/li>\n<\/ul>\n<p><strong>Olhar para o futuro<\/strong><\/p>\n<p>Com o Banco Central Europeu a manter as suas taxas diretoras, os analistas preveem que esta tend\u00eancia de estabilidade em torno dos 2% se mantenha, pelo menos at\u00e9 ao final do ano.<\/p>\n<p>\u00c9 por isso essencial que cada fam\u00edlia tenha informa\u00e7\u00e3o clara e fa\u00e7a uma gest\u00e3o cuidada do seu or\u00e7amento.<\/p>\n<p>Se tem d\u00favidas sobre o impacto das taxas Euribor no seu cr\u00e9dito habita\u00e7\u00e3o, fale connosco. Estamos aqui para o ajudar a planear com confian\u00e7a.<\/p>\n<p>TopDeal \u2013 Intermedi\u00e1rio de cr\u00e9dito vinculado, registado no Banco de Portugal sob o n\u00ba 0006941. A nossa atividade \u00e9 supervisionada pelo Banco de Portugal. Servi\u00e7os gratuitos, personalizados e prestados \u00e0 dist\u00e2ncia.<\/p>","protected":false},"excerpt":{"rendered":"<p>As taxas Euribor registaram nova subida nos prazos a tr\u00eas, seis e 12 meses, mantendo-se todas acima dos 2%. A taxa a seis meses \u2014 a mais utilizada em Portugal para cr\u00e9ditos habita\u00e7\u00e3o com taxa vari\u00e1vel \u2014 fixou-se agora em 2,101%, refor\u00e7ando a tend\u00eancia de estabilidade em valores elevados.<\/p>","protected":false},"author":3,"featured_media":927,"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":[4,15],"tags":[],"class_list":["post-923","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-habitacao","category-financas-pessoais"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/08\/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\/923","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=923"}],"version-history":[{"count":2,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/923\/revisions"}],"predecessor-version":[{"id":929,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/923\/revisions\/929"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media\/927"}],"wp:attachment":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media?parent=923"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/categories?post=923"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/tags?post=923"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}