Dezembro 19, 2023

Não se Deixe Iludir por Spreads Baixos: Crédito Habitação

Custo Total do Empréstimo:

Ao avaliar um crédito à habitação, considerar todos os custos, além do spread, revela-se crucial. Taxas administrativas e de manutenção podem aumentar significativamente o custo efetivo. Por exemplo, um acréscimo de até 0.2% ao ano, embora pareça pequeno, acumula-se ao longo do tempo, impactando de forma relevante no custo total do empréstimo.

Taxas e Comissões Ocultas:

Alerta para taxas ocultas em ofertas de spreads baixos é essencial. Muitos mutuários só descobrem estas taxas após assinar o contrato.

Com taxas adicionais, o custo total do crédito pode aumentar em média 15%.

Verificar todos os detalhes antes de assinar pode prevenir surpresas desagradáveis.

Seguros Obrigatórios no Crédito à Habitação:

Os seguros de vida e multirriscos, frequentemente exigidos, podem adicionar um custo significativo. Dependendo da idade e saúde do mutuário, o seguro de vida pode acrescentar até 0.3% ao ano sobre o saldo devedor. É importante considerar o impacto destes seguros no orçamento a longo prazo.

Flexibilidade do Empréstimo:

Compreender a flexibilidade do empréstimo, incluindo reembolsos antecipados ou alterações contratuais, é fundamental. Estas opções podem oferecer economias significativas.

Por exemplo, até 25% dos mutuários beneficiam-se de reestruturações contratuais, ajustando o empréstimo às suas mudanças financeiras.

Escolha entre Taxa Fixa e Variável:

Decidir entre uma taxa fixa e uma variável impacta diretamente o orçamento. A taxa fixa traz estabilidade nos pagamentos. Por outro lado, uma taxa variável pode começar mais baixa, mas varia com o mercado, podendo aumentar com o tempo. A escolha deve estar alinhada com a tolerância ao risco e planeamento financeiro do mutuário.

     Excellent  
     Based on 265 reviews 
    
 
 
   
 
 
        
   Carsten Schweiger 
 05/04/2024
 
 
  Working with Helder was an absolute pleasure from start to finish. As first-time homebuyers, the world of mortgages was daunting and complex, but Helder made it accessible and understandable. He was incredibly professional, patient, and dedicated, taking the time to explain all our options in detail and answering every question we had, no matter how small or complicated.

What set Helder apart was his evident expertise and his commitment to finding us the best possible deal. He went above and beyond to secure a mortgage that suited our financial situation perfectly, demonstrating a deep understanding of the market and a genuine interest in our well-being. Thanks to him, we were able to purchase our dream home under terms that we feel comfortable and confident with.
  
 
       
   Clémence Loiseau 
 04/04/2024
 
 
  Très bonne expérience avec Johanna, elle a été très présente tout au long de mon projet et très réactive. Je recommande!
  
 
       
   Dave Michels 
 02/04/2024
 
 
  I had a great experience with Cafimo. I worked with Romain P, and he was amazing. I did the entire process while abroad. Romain walked me the the options and got me some favorable and unexpected terms. Highly recommended. The whole process went smoothly and faster than expected.
  
 
       
   Owen Cooney 
 25/03/2024
 
 
  I highly recommend Romain and the Cafimo team. So much so if I could I would give six stars of out five on this google review!!

Within the first meeting Romain gave us a clear understanding of what we needed for mortgage approval in Lisbon.

He guided us through the paperwork and found a great deal for us. We found the whole process straightforward. Romain was friendly, informative and professional throughout.

A top man and a top service
  
 
       
   Molly Coyne 
 21/03/2024
 
 
  Adrien was amazing throughout the process.  He helped make all the necessary connections to highly qualified people, found the best mortgage option, helped me open a bank account in Portugal, and followed up to make sure all was working out.  The Portuguese bank posted lots of challenges and he persisted and made sure we could make it happen. My new house would not have been possible without him!
  
 
       
   Didier L'HOP 
 19/03/2024
 
 
  CAFIMO nous a accompagné dès le début de notre recherche de maison en particulier Jessica Arnaud qui a été très réactive à tout moment même lors de l'ouverture de compte en France. Je vous la recommande vivement.
  
 
       
   Cécile Paulot 
 19/03/2024
 
 
  Jessica Arnaud nous a accompagné dans l'obtention de notre crédit. Elle est très réactive et répond à nos mails. On la recommande et on espère un jour là rencontrer réellement. On recommande !!!
  
 
       
   romuald lemoine 
 18/03/2024
 
 
  Je profite de ces quelques mots pour remercier Sophie Lacoste et Jessica Arnaud car après  trois années de montage de dossiers , malheureusement inutiles car projets annulés de ma part faute d'avoir pu trouver le bien qui me convenait .
J'ai réussi à trouver un bien  mais ça a duré un an à cause de l'avocate du vendeur  ! , un an étant accompagné avec bienveillance , patience et professionnalisme par Sophie  et Jessica .
Des valeurs que je pensait être évaporées au fil des années .
Elles m'ont aidées à réaliser mon rêve d'achat au Portugal .
Encore merci d'avoir trouvé les mots pour pas lâcher .
  
 
       
   Nico B 
 17/03/2024
 
 
  We had a great experience with Cafimo during renegotiation of our mortgage. We worked with Adrien, he was always responsive and very helpful
  
 
       
   Janine R. 
 15/03/2024
 
 
  Thank you Adrien for all your help, time and advises! Highly recommend him :)!