{"id":10,"date":"2024-02-27T21:19:59","date_gmt":"2024-02-27T21:19:59","guid":{"rendered":"https:\/\/meg-fin.com\/?page_id=10"},"modified":"2026-04-18T21:53:05","modified_gmt":"2026-04-18T21:53:05","slug":"credito","status":"publish","type":"page","link":"https:\/\/www.meg-fin.com\/pt_pt\/credito\/","title":{"rendered":"Cr\u00e9dito"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10\" class=\"elementor elementor-10\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff17ad5 e-flex e-con-boxed e-con e-parent\" data-id=\"ff17ad5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17dcd93 e-flex e-con-boxed e-con e-parent\" data-id=\"17dcd93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2a103e3 e-con-full e-flex e-con e-child\" data-id=\"2a103e3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b95f1a3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b95f1a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51528bd elementor-widget elementor-widget-heading\" data-id=\"51528bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dito imobili\u00e1rio e pessoal<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8bca5f elementor-widget elementor-widget-text-editor\" data-id=\"b8bca5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>O processo \u00e9 nosso. O resultado \u00e9 seu.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-132d687 e-con-full e-flex e-con e-child\" data-id=\"132d687\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8453f1 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"c8453f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/contactos\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fale com um especialista<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f8b7e0 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"8f8b7e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#faqcred\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Perguntas frequentes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3caefb e-con-full e-flex e-con e-child\" data-id=\"f3caefb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56c57c9 elementor-widget elementor-widget-image\" data-id=\"56c57c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.meg-fin.com\/wp-content\/uploads\/2025\/01\/consolidacao-de-creditos-1024x576.jpg\" class=\"attachment-large size-large wp-image-3768\" alt=\"\" srcset=\"https:\/\/www.meg-fin.com\/wp-content\/uploads\/2025\/01\/consolidacao-de-creditos-1024x576.jpg 1024w, https:\/\/www.meg-fin.com\/wp-content\/uploads\/2025\/01\/consolidacao-de-creditos-300x169.jpg 300w, https:\/\/www.meg-fin.com\/wp-content\/uploads\/2025\/01\/consolidacao-de-creditos-768x432.jpg 768w, https:\/\/www.meg-fin.com\/wp-content\/uploads\/2025\/01\/consolidacao-de-creditos.jpg 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c334d4c e-flex e-con-boxed e-con e-parent\" data-id=\"c334d4c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88da976 elementor-widget elementor-widget-html\" data-id=\"88da976\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n  .mf-services { max-width: 860px; margin: 0 auto; padding: 0 0 60px; }\r\n  .mf-service { border-top: 1px solid #e8e8e8; padding: 48px 0; display: grid; grid-template-columns: 60px 1fr; gap: 32px; align-items: start; }\r\n  .mf-service:last-child { border-bottom: 1px solid #e8e8e8; }\r\n  .mf-service-num { font-size: 11px; letter-spacing: 0.08em; color: #b8922a; padding-top: 4px; }\r\n  .mf-service-title { font-size: 18px; font-weight: 400; color: #111111; margin: 0 0 12px 0; }\r\n  .mf-service-text { font-size: 15px; font-weight: 400; line-height: 1.8; color: #555555; margin: 0; }\r\n  @media (max-width: 600px) {\r\n    .mf-service { grid-template-columns: 40px 1fr; gap: 16px; padding: 32px 0; }\r\n  }\r\n<\/style>\r\n\r\n<div class=\"mf-services\">\r\n\r\n  <div class=\"mf-service\">\r\n    <div class=\"mf-service-num\">01<\/div>\r\n    <div>\r\n      <p class=\"mf-service-title\">Aquisi\u00e7\u00e3o de habita\u00e7\u00e3o<\/p>\r\n      <p class=\"mf-service-text\">Residentes, n\u00e3o-residentes, estrangeiros ou portugueses a viver e trabalhar no exterior. Cada perfil tem condi\u00e7\u00f5es diferentes, institui\u00e7\u00f5es diferentes e documenta\u00e7\u00e3o diferente. Estudamos o seu caso, avaliamos as possibilidades e pensamos a estrutura antes de aceder a qualquer institui\u00e7\u00e3o financeira \u2014 s\u00f3 ent\u00e3o avan\u00e7amos.<\/p>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"mf-service\">\r\n    <div class=\"mf-service-num\">02<\/div>\r\n    <div>\r\n      <p class=\"mf-service-title\">Revis\u00e3o de cr\u00e9dito<\/p>\r\n      <p class=\"mf-service-text\">A maioria das pessoas nunca olhou para a sua d\u00edvida como um todo da mesma forma que avalia o seu portef\u00f3lio de investimentos. N\u00f3s olhamos \u2014 e frequentemente h\u00e1 margem para melhorar. N\u00e3o apenas na taxa. Na estrutura inteira.<\/p>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"mf-service\">\r\n    <div class=\"mf-service-num\">03<\/div>\r\n    <div>\r\n      <p class=\"mf-service-title\">Cr\u00e9dito para investimento<\/p>\r\n      <p class=\"mf-service-text\">Patrim\u00f4nio acumulado cria op\u00e7\u00f5es que um perfil simples n\u00e3o tem. Raramente s\u00e3o \u00f3bvias \u2014 e quase nunca est\u00e3o numa brochura padr\u00e3o. \u00c9 exactamente a\u00ed que entramos.<\/p>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"mf-service\">\r\n    <div class=\"mf-service-num\">04<\/div>\r\n    <div>\r\n      <p class=\"mf-service-title\">Obras e autoconstru\u00e7\u00e3o<\/p>\r\n      <p class=\"mf-service-text\">Financiar uma obra n\u00e3o \u00e9 o mesmo que financiar uma compra. O ritmo \u00e9 diferente, a documenta\u00e7\u00e3o \u00e9 diferente, e o banco precisa de perceber o projecto antes de o financiar. N\u00f3s fazemos essa tradu\u00e7\u00e3o.<\/p>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"mf-service\">\r\n    <div class=\"mf-service-num\">05<\/div>\r\n    <div>\r\n      <p class=\"mf-service-title\">Cr\u00e9dito pessoal<\/p>\r\n      <p class=\"mf-service-text\">Quando o cr\u00e9dito pessoal \u00e9 a pe\u00e7a que falta \u2014 sabemos quando encaixa.<\/p>\r\n    <\/div>\r\n  <\/div>\r\n\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-de7e05a e-flex e-con-boxed e-con e-parent\" data-id=\"de7e05a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9594a14 elementor-widget elementor-widget-html\" data-id=\"9594a14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"faqcred\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a5bea7 elementor-widget-mobile__width-inherit elementor-align-center elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"9a5bea7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/contactos\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fale com um especialista<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de697c3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"de697c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3003585 elementor-widget elementor-widget-heading\" data-id=\"3003585\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Perguntas frequentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83f6882 elementor-widget elementor-widget-n-accordion\" data-id=\"83f6882\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1380\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1380\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> O que faz exactamente um consultor financeiro especializado em cr\u00e9dito? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1380\" class=\"elementor-element elementor-element-df94e93 e-con-full e-flex e-con e-child\" data-id=\"df94e93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48577d6 elementor-widget elementor-widget-text-editor\" data-id=\"48577d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Um consultor financeiro especializado em cr\u00e9dito sempre come\u00e7a pelo cliente. Analisamos a situa\u00e7\u00e3o financeira completa, estruturamos a opera\u00e7\u00e3o antes de a apresentar a qualquer institui\u00e7\u00e3o, e identificamos as melhores condi\u00e7\u00f5es dispon\u00edveis para aquele perfil concreto. A documenta\u00e7\u00e3o, a comunica\u00e7\u00e3o com as institui\u00e7\u00f5es e a coordena\u00e7\u00e3o com as restantes partes fica do nosso lado. O cliente tem um \u00fanico interlocutor para um processo que, sem isso, seria fragmentado e trabalhoso.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1381\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1381\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> O que \u00e9 um intermedi\u00e1rio de cr\u00e9dito vinculado?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1381\" class=\"elementor-element elementor-element-4201a54 e-con-full e-flex e-con e-child\" data-id=\"4201a54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3107bdb elementor-widget elementor-widget-text-editor\" data-id=\"3107bdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Um intermedi\u00e1rio de cr\u00e9dito vinculado \u00e9 uma entidade autorizada pelo Banco de Portugal que estabelece contratos de vincula\u00e7\u00e3o com institui\u00e7\u00f5es financeiras. Na pr\u00e1tica isto significa que temos acesso directo aos produtos e condi\u00e7\u00f5es de v\u00e1rios bancos \u2014 e trabalhamos em defesa dos interesses do cliente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1382\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1382\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Como \u00e9 que a Meg Fin \u00e9 remunerada? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1382\" class=\"elementor-element elementor-element-a704607 e-flex e-con-boxed e-con e-child\" data-id=\"a704607\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-696ec0b elementor-widget elementor-widget-text-editor\" data-id=\"696ec0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Somos remunerados pelas institui\u00e7\u00f5es financeiras com quem trabalhamos, n\u00e3o pelos nossos clientes. \u00c9 assim que funciona o modelo de intermedia\u00e7\u00e3o de cr\u00e9dito em Portugal \u2014 e \u00e9 por isso que o nosso interesse est\u00e1 alinhado com o do cliente: focamos na melhor solu\u00e7\u00e3o para cada caso.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1383\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1383\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Qual a diferen\u00e7a de buscar o seu cr\u00e9dito atrav\u00e9s da Meg Fin? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1383\" class=\"elementor-element elementor-element-2dd6354 e-flex e-con-boxed e-con e-child\" data-id=\"2dd6354\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15c5968 elementor-widget elementor-widget-text-editor\" data-id=\"15c5968\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Temos acesso aos produtos de diversas institui\u00e7\u00f5es e o nosso \u00fanico objectivo \u00e9 encontrar o que faz sentido para o seu caso. Para al\u00e9m disso gerimos todo o processo: da an\u00e1lise inicial \u00e0 escritura, com coordena\u00e7\u00e3o entre todas as partes envolvidas \u2014 institui\u00e7\u00f5es financeiras, advogados, not\u00e1rios e demais intervenientes. \u00c9 um processo com muitos detalhes e muita coordena\u00e7\u00e3o \u2014 e \u00e9 exactamente isso que fica do nosso lado.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1384\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1384\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> A Meg Fin \u00e9 independente das imobili\u00e1rias? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1384\" class=\"elementor-element elementor-element-c7ffc4a e-flex e-con-boxed e-con e-child\" data-id=\"c7ffc4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-831113e elementor-widget elementor-widget-text-editor\" data-id=\"831113e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sim. A nossa \u00fanica rela\u00e7\u00e3o comercial \u00e9 com as institui\u00e7\u00f5es financeiras. Algumas imobili\u00e1rias t\u00eam servi\u00e7os de intermedia\u00e7\u00e3o integrados \u2014 o que cria uma rela\u00e7\u00e3o comercial entre quem vende e quem financia, com o potencial de influenciar as recomenda\u00e7\u00f5es. A Meg Fin n\u00e3o tem esse conflito: se um im\u00f3vel levantar quest\u00f5es do ponto de vista documental ou financeiro que possam prejudicar o cliente, ser\u00e1 o primeiro a saber.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1385\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1385\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Preciso de ser residente em Portugal para trabalhar com a Meg Fin? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1385\" class=\"elementor-element elementor-element-68faa7c e-flex e-con-boxed e-con e-child\" data-id=\"68faa7c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89f57cf elementor-widget elementor-widget-text-editor\" data-id=\"89f57cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>N\u00e3o. Trabalhamos com residentes, n\u00e3o residentes, estrangeiros e portugueses a viver e trabalhar no exterior. A situa\u00e7\u00e3o fiscal e de resid\u00eancia tem impacto nas condi\u00e7\u00f5es de financiamento dispon\u00edveis \u2014 \u00e9 exactamente por isso que \u00e9 importante analisar cada caso de forma espec\u00edfica em vez de aplicar uma solu\u00e7\u00e3o gen\u00e9rica.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1386\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1386\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Preciso de ter cidadania portuguesa ou europeia? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1386\" class=\"elementor-element elementor-element-c2f61f9 e-flex e-con-boxed e-con e-child\" data-id=\"c2f61f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fcd462e elementor-widget elementor-widget-text-editor\" data-id=\"fcd462e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>N\u00e3o. Temos experi\u00eancia com clientes de m\u00faltiplas nacionalidades e jurisdi\u00e7\u00f5es. A elegibilidade para cr\u00e9dito em Portugal depende de v\u00e1rios factores \u2014 perfil financeiro, rendimentos, historial de cr\u00e9dito \u2014 e n\u00e3o da nacionalidade em si. O melhor \u00e9 falar connosco para perceber o que se aplica ao seu caso concreto.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1387\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1387\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Consigo cr\u00e9dito se os meus rendimentos forem no estrangeiro? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1387\" class=\"elementor-element elementor-element-53c34ca e-flex e-con-boxed e-con e-child\" data-id=\"53c34ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ea80b6 elementor-widget elementor-widget-text-editor\" data-id=\"5ea80b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Depende. Rendimentos no estrangeiro s\u00e3o aceites por v\u00e1rias institui\u00e7\u00f5es em Portugal, mas as condi\u00e7\u00f5es e os documentos necess\u00e1rios s\u00e3o diferentes consoante o pa\u00eds, o tipo de rendimento e a estrutura fiscal do cliente. \u00c9 um dos casos em que a an\u00e1lise pr\u00e9via faz toda a diferen\u00e7a.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1388\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1388\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> E se tiver uma estrutura societ\u00e1ria ou rendimentos de dividendos? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1388\" class=\"elementor-element elementor-element-791d67f e-flex e-con-boxed e-con e-child\" data-id=\"791d67f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-749fbd3 elementor-widget elementor-widget-text-editor\" data-id=\"749fbd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00c9 um perfil que conhecemos bem. Clientes que vivem de dividendos, de rendimentos de estruturas societ\u00e1rias ou de rendas t\u00eam um processo de an\u00e1lise diferente de um trabalhador por conta de outrem \u2014 e a documenta\u00e7\u00e3o necess\u00e1ria \u00e9 consideravelmente mais complexa.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1389\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1389\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Quando devo contactar a Meg Fin \u2014 antes ou depois de escolher a casa? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1389\" class=\"elementor-element elementor-element-9177c79 e-flex e-con-boxed e-con e-child\" data-id=\"9177c79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-272ab8e elementor-widget elementor-widget-text-editor\" data-id=\"272ab8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Antes. Idealmente antes mesmo de come\u00e7ar a visitar im\u00f3veis. Saber exactamente qual o montante que consegue financiar, em que condi\u00e7\u00f5es e com que impacto na sua situa\u00e7\u00e3o financeira muda completamente a forma como aborda o mercado. Evita decep\u00e7\u00f5es, agiliza a decis\u00e3o quando encontrar o im\u00f3vel certo \u2014 e coloca-o numa posi\u00e7\u00e3o muito mais forte na negocia\u00e7\u00e3o.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-13810\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-13810\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> A taxa de esfor\u00e7o importa \u2014 e quando devo preocupar-me com ela?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-13810\" class=\"elementor-element elementor-element-9fbe939 e-flex e-con-boxed e-con e-child\" data-id=\"9fbe939\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a59470e elementor-widget elementor-widget-text-editor\" data-id=\"a59470e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A taxa de esfor\u00e7o \u00e9 um dos principais crit\u00e9rios que os bancos usam para avaliar a viabilidade de um cr\u00e9dito. Em termos simples, \u00e9 a propor\u00e7\u00e3o do rendimento mensal comprometida com presta\u00e7\u00f5es de cr\u00e9dito. O problema \u00e9 que muitos clientes chegam a n\u00f3s depois de terem contratado um carro a cr\u00e9dito, um cr\u00e9dito pessoal ou outro financiamento \u2014 o que pode comprometer ou inviabilizar o cr\u00e9dito habita\u00e7\u00e3o que desejam. Por isso insistimos: contacte-nos antes de tomar decis\u00f5es financeiras que possam condicionar o projecto imobili\u00e1rio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-13811\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"12\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-13811\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Quanto tempo demora o processo?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-13811\" class=\"elementor-element elementor-element-0282367 e-flex e-con-boxed e-con e-child\" data-id=\"0282367\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9cbc323 elementor-widget elementor-widget-text-editor\" data-id=\"9cbc323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Depende do perfil do cliente, da institui\u00e7\u00e3o e da complexidade da opera\u00e7\u00e3o. Em termos gerais, da an\u00e1lise inicial \u00e0 aprova\u00e7\u00e3o do cr\u00e9dito, podem decorrer duas a seis semanas. A partir da\u00ed a marca\u00e7\u00e3o da escritura \u00e9 coordenada com todas as partes envolvidas. Casos mais complexos \u2014 n\u00e3o-residentes, rendimentos no estrangeiro, estruturas societ\u00e1rias \u2014 podem demorar mais.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-13812\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"13\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-13812\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> O que preciso de preparar?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-13812\" class=\"elementor-element elementor-element-e7d74e2 e-flex e-con-boxed e-con e-child\" data-id=\"e7d74e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4419b89 elementor-widget elementor-widget-text-editor\" data-id=\"4419b89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Depende do perfil. Para um trabalhador por conta de outrem os documentos habituais incluem: documentos de identifica\u00e7\u00e3o, declara\u00e7\u00e3o de IRS, nota de liquida\u00e7\u00e3o, recibos de vencimento, mapa de responsabilidade de cr\u00e9dito, extratos banc\u00e1rios e documenta\u00e7\u00e3o do im\u00f3vel. Para um cliente com rendimentos no estrangeiro ou estrutura societ\u00e1ria a lista \u00e9 consideravelmente diferente. Fazemos uma pr\u00e9-an\u00e1lise no in\u00edcio do processo e orientamos sobre exactamente o que \u00e9 necess\u00e1rio em cada caso \u2014 e sem burocracia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-13813\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"14\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-13813\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Faz sentido rever o meu cr\u00e9dito habita\u00e7\u00e3o actual?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-13813\" class=\"elementor-element elementor-element-88ac352 e-flex e-con-boxed e-con e-child\" data-id=\"88ac352\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c132023 elementor-widget elementor-widget-text-editor\" data-id=\"c132023\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Muitas vezes sim \u2014 e n\u00e3o apenas quando as taxas de mercado est\u00e3o mais baixas. Um cr\u00e9dito pode estar mal estruturado por raz\u00f5es que nada t\u00eam a ver com a taxa: produtos ou prazo desadequados, seguros associados que podem ser optimizados ou outros produtos financeiros associados ao cr\u00e9dito que j\u00e1 n\u00e3o fazem sentido para o perfil actual do cliente. Olhar para o cr\u00e9dito como parte de uma estrutura financeira mais ampla \u2014 e n\u00e3o como um contrato isolado \u2014 \u00e9 o que nos permite encontrar margem onde outros n\u00e3o procuram.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-13814\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"15\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-13814\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> O cr\u00e9dito pessoal pode ser usado de forma estrat\u00e9gica?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-13814\" class=\"elementor-element elementor-element-7191ce1 e-flex e-con-boxed e-con e-child\" data-id=\"7191ce1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc64302 elementor-widget elementor-widget-text-editor\" data-id=\"cc64302\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Em determinados contextos, sim. Um cr\u00e9dito pessoal pode ser \u00fatil como instrumento tempor\u00e1rio ou para colmatar uma necessidade espec\u00edfica numa estrutura\u00e7\u00e3o mais complexa. A adequa\u00e7\u00e3o depende do perfil e do objectivo \u2014 \u00e9 algo que analisamos caso a caso.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"O que faz exactamente um consultor financeiro especializado em cr\\u00e9dito?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Um consultor financeiro especializado em cr\\u00e9dito sempre come\\u00e7a pelo cliente. Analisamos a situa\\u00e7\\u00e3o financeira completa, estruturamos a opera\\u00e7\\u00e3o antes de a apresentar a qualquer institui\\u00e7\\u00e3o, e identificamos as melhores condi\\u00e7\\u00f5es dispon\\u00edveis para aquele perfil concreto. A documenta\\u00e7\\u00e3o, a comunica\\u00e7\\u00e3o com as institui\\u00e7\\u00f5es e a coordena\\u00e7\\u00e3o com as restantes partes fica do nosso lado. O cliente tem um \\u00fanico interlocutor para um processo que, sem isso, seria fragmentado e trabalhoso.\"}},{\"@type\":\"Question\",\"name\":\"O que \\u00e9 um intermedi\\u00e1rio de cr\\u00e9dito vinculado?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Um intermedi\\u00e1rio de cr\\u00e9dito vinculado \\u00e9 uma entidade autorizada pelo Banco de Portugal que estabelece contratos de vincula\\u00e7\\u00e3o com institui\\u00e7\\u00f5es financeiras. Na pr\\u00e1tica isto significa que temos acesso directo aos produtos e condi\\u00e7\\u00f5es de v\\u00e1rios bancos \\u2014 e trabalhamos em defesa dos interesses do cliente.\"}},{\"@type\":\"Question\",\"name\":\"Como \\u00e9 que a Meg Fin \\u00e9 remunerada?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Somos remunerados pelas institui\\u00e7\\u00f5es financeiras com quem trabalhamos, n\\u00e3o pelos nossos clientes. \\u00c9 assim que funciona o modelo de intermedia\\u00e7\\u00e3o de cr\\u00e9dito em Portugal \\u2014 e \\u00e9 por isso que o nosso interesse est\\u00e1 alinhado com o do cliente: focamos na melhor solu\\u00e7\\u00e3o para cada caso.\"}},{\"@type\":\"Question\",\"name\":\"Qual a diferen\\u00e7a de buscar o seu cr\\u00e9dito atrav\\u00e9s da Meg Fin?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Temos acesso aos produtos de diversas institui\\u00e7\\u00f5es e o nosso \\u00fanico objectivo \\u00e9 encontrar o que faz sentido para o seu caso. Para al\\u00e9m disso gerimos todo o processo: da an\\u00e1lise inicial \\u00e0 escritura, com coordena\\u00e7\\u00e3o entre todas as partes envolvidas \\u2014 institui\\u00e7\\u00f5es financeiras, advogados, not\\u00e1rios e demais intervenientes. \\u00c9 um processo com muitos detalhes e muita coordena\\u00e7\\u00e3o \\u2014 e \\u00e9 exactamente isso que fica do nosso lado.\"}},{\"@type\":\"Question\",\"name\":\"A Meg Fin \\u00e9 independente das imobili\\u00e1rias?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Sim. A nossa \\u00fanica rela\\u00e7\\u00e3o comercial \\u00e9 com as institui\\u00e7\\u00f5es financeiras. Algumas imobili\\u00e1rias t\\u00eam servi\\u00e7os de intermedia\\u00e7\\u00e3o integrados \\u2014 o que cria uma rela\\u00e7\\u00e3o comercial entre quem vende e quem financia, com o potencial de influenciar as recomenda\\u00e7\\u00f5es. A Meg Fin n\\u00e3o tem esse conflito: se um im\\u00f3vel levantar quest\\u00f5es do ponto de vista documental ou financeiro que possam prejudicar o cliente, ser\\u00e1 o primeiro a saber.\"}},{\"@type\":\"Question\",\"name\":\"Preciso de ser residente em Portugal para trabalhar com a Meg Fin?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"N\\u00e3o. Trabalhamos com residentes, n\\u00e3o residentes, estrangeiros e portugueses a viver e trabalhar no exterior. A situa\\u00e7\\u00e3o fiscal e de resid\\u00eancia tem impacto nas condi\\u00e7\\u00f5es de financiamento dispon\\u00edveis \\u2014 \\u00e9 exactamente por isso que \\u00e9 importante analisar cada caso de forma espec\\u00edfica em vez de aplicar uma solu\\u00e7\\u00e3o gen\\u00e9rica.\"}},{\"@type\":\"Question\",\"name\":\"Preciso de ter cidadania portuguesa ou europeia?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"N\\u00e3o. Temos experi\\u00eancia com clientes de m\\u00faltiplas nacionalidades e jurisdi\\u00e7\\u00f5es. A elegibilidade para cr\\u00e9dito em Portugal depende de v\\u00e1rios factores \\u2014 perfil financeiro, rendimentos, historial de cr\\u00e9dito \\u2014 e n\\u00e3o da nacionalidade em si. O melhor \\u00e9 falar connosco para perceber o que se aplica ao seu caso concreto.\"}},{\"@type\":\"Question\",\"name\":\"Consigo cr\\u00e9dito se os meus rendimentos forem no estrangeiro?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Depende. Rendimentos no estrangeiro s\\u00e3o aceites por v\\u00e1rias institui\\u00e7\\u00f5es em Portugal, mas as condi\\u00e7\\u00f5es e os documentos necess\\u00e1rios s\\u00e3o diferentes consoante o pa\\u00eds, o tipo de rendimento e a estrutura fiscal do cliente. \\u00c9 um dos casos em que a an\\u00e1lise pr\\u00e9via faz toda a diferen\\u00e7a.\"}},{\"@type\":\"Question\",\"name\":\"E se tiver uma estrutura societ\\u00e1ria ou rendimentos de dividendos?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\u00c9 um perfil que conhecemos bem. Clientes que vivem de dividendos, de rendimentos de estruturas societ\\u00e1rias ou de rendas t\\u00eam um processo de an\\u00e1lise diferente de um trabalhador por conta de outrem \\u2014 e a documenta\\u00e7\\u00e3o necess\\u00e1ria \\u00e9 consideravelmente mais complexa.\"}},{\"@type\":\"Question\",\"name\":\"Quando devo contactar a Meg Fin \\u2014 antes ou depois de escolher a casa?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Antes. Idealmente antes mesmo de come\\u00e7ar a visitar im\\u00f3veis. Saber exactamente qual o montante que consegue financiar, em que condi\\u00e7\\u00f5es e com que impacto na sua situa\\u00e7\\u00e3o financeira muda completamente a forma como aborda o mercado. Evita decep\\u00e7\\u00f5es, agiliza a decis\\u00e3o quando encontrar o im\\u00f3vel certo \\u2014 e coloca-o numa posi\\u00e7\\u00e3o muito mais forte na negocia\\u00e7\\u00e3o.\"}},{\"@type\":\"Question\",\"name\":\"A taxa de esfor\\u00e7o importa \\u2014 e quando devo preocupar-me com ela?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A taxa de esfor\\u00e7o \\u00e9 um dos principais crit\\u00e9rios que os bancos usam para avaliar a viabilidade de um cr\\u00e9dito. Em termos simples, \\u00e9 a propor\\u00e7\\u00e3o do rendimento mensal comprometida com presta\\u00e7\\u00f5es de cr\\u00e9dito. O problema \\u00e9 que muitos clientes chegam a n\\u00f3s depois de terem contratado um carro a cr\\u00e9dito, um cr\\u00e9dito pessoal ou outro financiamento \\u2014 o que pode comprometer ou inviabilizar o cr\\u00e9dito habita\\u00e7\\u00e3o que desejam. Por isso insistimos: contacte-nos antes de tomar decis\\u00f5es financeiras que possam condicionar o projecto imobili\\u00e1rio.\"}},{\"@type\":\"Question\",\"name\":\"Quanto tempo demora o processo?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Depende do perfil do cliente, da institui\\u00e7\\u00e3o e da complexidade da opera\\u00e7\\u00e3o. Em termos gerais, da an\\u00e1lise inicial \\u00e0 aprova\\u00e7\\u00e3o do cr\\u00e9dito, podem decorrer duas a seis semanas. A partir da\\u00ed a marca\\u00e7\\u00e3o da escritura \\u00e9 coordenada com todas as partes envolvidas. Casos mais complexos \\u2014 n\\u00e3o-residentes, rendimentos no estrangeiro, estruturas societ\\u00e1rias \\u2014 podem demorar mais.\"}},{\"@type\":\"Question\",\"name\":\"O que preciso de preparar?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Depende do perfil. Para um trabalhador por conta de outrem os documentos habituais incluem: documentos de identifica\\u00e7\\u00e3o, declara\\u00e7\\u00e3o de IRS, nota de liquida\\u00e7\\u00e3o, recibos de vencimento, mapa de responsabilidade de cr\\u00e9dito, extratos banc\\u00e1rios e documenta\\u00e7\\u00e3o do im\\u00f3vel. Para um cliente com rendimentos no estrangeiro ou estrutura societ\\u00e1ria a lista \\u00e9 consideravelmente diferente. Fazemos uma pr\\u00e9-an\\u00e1lise no in\\u00edcio do processo e orientamos sobre exactamente o que \\u00e9 necess\\u00e1rio em cada caso \\u2014 e sem burocracia.\"}},{\"@type\":\"Question\",\"name\":\"Faz sentido rever o meu cr\\u00e9dito habita\\u00e7\\u00e3o actual?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Muitas vezes sim \\u2014 e n\\u00e3o apenas quando as taxas de mercado est\\u00e3o mais baixas. Um cr\\u00e9dito pode estar mal estruturado por raz\\u00f5es que nada t\\u00eam a ver com a taxa: produtos ou prazo desadequados, seguros associados que podem ser optimizados ou outros produtos financeiros associados ao cr\\u00e9dito que j\\u00e1 n\\u00e3o fazem sentido para o perfil actual do cliente. Olhar para o cr\\u00e9dito como parte de uma estrutura financeira mais ampla \\u2014 e n\\u00e3o como um contrato isolado \\u2014 \\u00e9 o que nos permite encontrar margem onde outros n\\u00e3o procuram.\"}},{\"@type\":\"Question\",\"name\":\"O cr\\u00e9dito pessoal pode ser usado de forma estrat\\u00e9gica?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Em determinados contextos, sim. Um cr\\u00e9dito pessoal pode ser \\u00fatil como instrumento tempor\\u00e1rio ou para colmatar uma necessidade espec\\u00edfica numa estrutura\\u00e7\\u00e3o mais complexa. A adequa\\u00e7\\u00e3o depende do perfil e do objectivo \\u2014 \\u00e9 algo que analisamos caso a caso.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29f817a e-flex e-con-boxed e-con e-parent\" data-id=\"29f817a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-99a09f3 e-con-full e-flex e-con e-child\" data-id=\"99a09f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50f6484 elementor-widget elementor-widget-image\" data-id=\"50f6484\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/anica.org.pt\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"400\" height=\"120\" src=\"https:\/\/www.meg-fin.com\/wp-content\/uploads\/2026\/04\/Logotipo__fundo_branco_-removebg-preview.png.webp\" class=\"attachment-large size-large wp-image-4407\" alt=\"\" srcset=\"https:\/\/www.meg-fin.com\/wp-content\/uploads\/2026\/04\/Logotipo__fundo_branco_-removebg-preview.png.webp 400w, https:\/\/www.meg-fin.com\/wp-content\/uploads\/2026\/04\/Logotipo__fundo_branco_-removebg-preview.png-300x90.webp 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b4945bb e-con-full e-flex e-con e-child\" data-id=\"b4945bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fc515a elementor-widget elementor-widget-text-editor\" data-id=\"5fc515a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Membro da ANICA<\/p><p>Associa\u00e7\u00e3o Nacional de Intermedi\u00e1rios de Cr\u00e9dito Autorizados<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Cr\u00e9dito imobili\u00e1rio e pessoal O processo \u00e9 nosso. O resultado \u00e9 seu. Fale com um especialista Perguntas frequentes 01 Aquisi\u00e7\u00e3o de habita\u00e7\u00e3o Residentes, n\u00e3o-residentes, estrangeiros ou portugueses a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-10","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dito Imobili\u00e1rio e Pessoal em Portugal \u2014 Meg Fin<\/title>\n<meta name=\"description\" content=\"Aquisi\u00e7\u00e3o, revis\u00e3o e cr\u00e9dito para investimento. 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