{"id":935,"date":"2025-09-30T16:59:17","date_gmt":"2025-09-30T15:59:17","guid":{"rendered":"https:\/\/topdeal.pt\/?p=935"},"modified":"2025-09-30T16:59:17","modified_gmt":"2025-09-30T15:59:17","slug":"euribor-o-que-significa-a-nova-subida-das-taxas-para-quem-tem-credito-habitacao","status":"publish","type":"post","link":"https:\/\/topdeal.pt\/en\/euribor-o-que-significa-a-nova-subida-das-taxas-para-quem-tem-credito-habitacao\/","title":{"rendered":"Euribor: o que significa a nova subida das taxas para quem tem cr\u00e9dito habita\u00e7\u00e3o?"},"content":{"rendered":"<p>As taxas <strong>Euribor<\/strong> voltaram a subir nos prazos de tr\u00eas, seis e doze meses, ultrapassando novamente os <strong>2%<\/strong>.<\/p>\n<p>Esta evolu\u00e7\u00e3o \u00e9 particularmente relevante para quem tem um <strong>cr\u00e9dito habita\u00e7\u00e3o com taxa vari\u00e1vel<\/strong>, uma vez que a Euribor serve de refer\u00eancia para calcular o valor das presta\u00e7\u00f5es mensais.<\/p>\n<p><strong>O que mudou?<\/strong><\/p>\n<ul>\n<li><strong>3 meses:<\/strong> 2,016%<\/li>\n<li><strong>6 meses:<\/strong> 2,101% (a mais usada em Portugal nos cr\u00e9ditos habita\u00e7\u00e3o vari\u00e1veis)<\/li>\n<li><strong>12 meses:<\/strong> 2,131%<\/li>\n<\/ul>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-936\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/1.png?resize=540%2C342\" alt=\"\" width=\"540\" height=\"342\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/1.png?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/1.png?resize=1024%2C649&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/1.png?resize=768%2C487&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/1.png?resize=1536%2C973&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/1.png?resize=2048%2C1297&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/1.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 540px) 100vw, 540px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-937\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/2.png?resize=541%2C344\" alt=\"\" width=\"541\" height=\"344\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/2.png?resize=300%2C191&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/2.png?resize=1024%2C653&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/2.png?resize=768%2C489&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/2.png?resize=1536%2C979&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/2.png?resize=2048%2C1305&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/2.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 541px) 100vw, 541px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-938\" src=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/3.png?resize=540%2C344\" alt=\"\" width=\"540\" height=\"344\" srcset=\"https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/3.png?resize=300%2C191&amp;ssl=1 300w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/3.png?resize=1024%2C652&amp;ssl=1 1024w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/3.png?resize=768%2C489&amp;ssl=1 768w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/3.png?resize=1536%2C977&amp;ssl=1 1536w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/3.png?resize=2048%2C1303&amp;ssl=1 2048w, https:\/\/i0.wp.com\/topdeal.pt\/wp-content\/uploads\/2025\/09\/3.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 540px) 100vw, 540px\" \/><\/p>\n<p>Source: <a href=\"https:\/\/www.euribor-rates.eu\/en\/euribor-charts\/\">Euribor-rates.eu<\/a><\/p>\n<p>Isto significa que muitas fam\u00edlias podem sentir um aumento no valor das suas presta\u00e7\u00f5es, refor\u00e7ando a import\u00e2ncia de estar informado e comparar alternativas.<\/p>\n<p><strong>O que deve considerar?<\/strong><\/p>\n<ul>\n<li>O prazo de refer\u00eancia do seu contrato (3, 6 ou 12 meses).<\/li>\n<li>Como estas varia\u00e7\u00f5es podem afetar o seu or\u00e7amento mensal.<\/li>\n<li>A possibilidade de renegociar condi\u00e7\u00f5es ou avaliar diferentes propostas.<\/li>\n<\/ul>\n<p><strong>Como podemos ajudar<\/strong><\/p>\n<p><strong>\u00a0<\/strong>Na <strong>TopDeal<\/strong> acompanhamos diariamente a evolu\u00e7\u00e3o das taxas de juro e ajudamos cada cliente a encontrar a solu\u00e7\u00e3o mais ajustada \u00e0s suas necessidades.<br \/>\nO nosso servi\u00e7o \u00e9 <strong>gratuito, imparcial e supervisionado pelo Banco de Portugal (Registo n.\u00ba 0006941)<\/strong>.<\/p>\n<p>Saiba mais e simule gratuitamente no nosso site: <a href=\"https:\/\/topdeal.pt\/en\/#credito-habitacao\">topdeal.pt<\/a><\/p>\n<p><strong>Conformidade BdP<\/strong>:<\/p>\n<ul>\n<li>N\u00e3o apresentamos valores de presta\u00e7\u00f5es, spreads ou taxas promocionais sem pr\u00e9-aprova\u00e7\u00e3o.<\/li>\n<li>A comunica\u00e7\u00e3o foca-se em <strong>informa\u00e7\u00e3o clara e educativa<\/strong>, enquadrada como publicidade \u00e0 atividade\/intermedia\u00e7\u00e3o de cr\u00e9dito (n\u00e3o \u00e0 concess\u00e3o).<\/li>\n<li>Identifica\u00e7\u00e3o do intermedi\u00e1rio: <strong>TopDeal \u2013 Intermedi\u00e1rio de Cr\u00e9dito Vinculado, registado no BdP sob o n.\u00ba 0006941<\/strong>.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>As taxas Euribor voltaram a subir nos prazos de tr\u00eas, seis e doze meses, ultrapassando novamente os 2%. Esta evolu\u00e7\u00e3o \u00e9 particularmente relevante para quem tem um cr\u00e9dito habita\u00e7\u00e3o com taxa vari\u00e1vel, uma vez que a Euribor serve de refer\u00eancia para calcular o valor das presta\u00e7\u00f5es mensais.<\/p>","protected":false},"author":3,"featured_media":939,"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-935","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\/09\/Projeto-RS-TopDeal-Post-do-X-Twitter-2.png?fit=1600%2C900&ssl=1","_links":{"self":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/935","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=935"}],"version-history":[{"count":2,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/935\/revisions"}],"predecessor-version":[{"id":941,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/posts\/935\/revisions\/941"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media\/939"}],"wp:attachment":[{"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/media?parent=935"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/categories?post=935"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topdeal.pt\/en\/wp-json\/wp\/v2\/tags?post=935"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}