{"id":5455,"date":"2022-10-19T23:00:00","date_gmt":"2022-10-19T23:00:00","guid":{"rendered":"https:\/\/senhorcartao.com\/?p=5455"},"modified":"2022-10-19T22:52:05","modified_gmt":"2022-10-19T22:52:05","slug":"tipos-de-credito","status":"publish","type":"post","link":"https:\/\/senhorcartao.com\/en\/tipos-de-credito\/","title":{"rendered":"Understand the types of credit: personal, housing, consolidated and automobile"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-conheca-os-principais-tipos-de-credito-e-decida-qual-o-melhor-para-voce\">Discover the main types of credit and decide which is best for you!<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"684\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1024x684.jpg\" alt=\"mulher sentada pesquisando em computador\" class=\"w-full object-cover object-center border mx-auto wp-image-5458\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1024x684.jpg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-300x200.jpg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-768x513.jpg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito.jpg 1279w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Find out more about each type of existing credit. Source: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Each type of credit has a specific purpose. While some have a commitment to use with value in an end, others dispense with this commitment.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Furthermore, they also differ in terms of the concession rules and their effects. Likewise, with regard to the release value and payment term.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZGxkYC\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/en\/como-obter-niss\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Find out how to get your NISS easily\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/02\/NISS-como-obter-tirar-NISS-1.png\" alt=\"Seguran\u00e7a social logotipo\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/en\/como-obter-niss\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Find out how to get your NISS easily\">\n            Find out how to get your NISS easily        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            See the step-by-step guide on how to obtain the NISS in Portugal. After all, the NISS is mandatory and our guide teaches you how to obtain it simply and quickly.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcartao.com\/en\/como-obter-niss\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorcartao.com\/en\/como-obter-niss\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/02\/NISS-como-obter-tirar-NISS-1.png\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Find out how to get your NISS easily              <\/p>\n              <a href=\"https:\/\/senhorcartao.com\/en\/como-obter-niss\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain on the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Want to know more about this subject? So, keep reading and learn about the four types of credits. Furthermore, clear all your doubts about each of them. Good reading!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-tipos-de-credito-credito-pessoal\">Types of credit: personal credit<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>One of the main types of credit is personal. It differentiates itself by not being committed to the use of money. In fact, this is the perfect type of credit for those who have several dreams to put into practice. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Do you want to travel, take a course or make your financial life more relaxed? Then this could be the perfect loan format for you. The money is deposited directly into your account and you can then use it however you want. <\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-quem-pode-pedir-um-credito-pessoal-quais-sao-os-valores-e-prazos\">Who can apply for a personal loan? What are the values and deadlines?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Anyone who is not on the Banco de Portugal blacklist, who resides in the country and who has verifiable income can apply for this credit, simply pay the monthly installments after the contract.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Additionally, rates and terms vary depending on each loan. While those with a lower value can be paid in 12 months, those with a larger amount offer up to 84 months to pay.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-tipos-de-credito-credito-habitacao\">Types of credit: housing credit<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"726\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/como-escolher-credito-habitacao-1024x726.jpg\" alt=\"pessoa segurando uma chave e uma casa em miniatura\" class=\"w-full object-cover object-center border mx-auto wp-image-5520\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/como-escolher-credito-habitacao-1024x726.jpg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/como-escolher-credito-habitacao-300x213.jpg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/como-escolher-credito-habitacao-768x545.jpg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/como-escolher-credito-habitacao-1536x1090.jpg 1536w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/como-escolher-credito-habitacao.jpg 1748w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Understand more about how housing credit works. Source: Canva.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Another type of loan available on the market concerns housing credit. As the name already indicates, it has real estate purposes. For example, it could be to purchase property or land.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Likewise, for the renovation of a property, construction or mortgage. In this case, the consumer has a value available, but it must necessarily be used for the declared purpose.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>When purchasing property, it is common for the bank to assume the debt with the construction company or developer, while the consumer owes it without seeing the color of the money.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In fact, it is natural for the property to serve as collateral for the financial transaction, which can reduce interest and the effort rate, reducing the spread.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-quais-sao-as-finalidades-do-credito-habitacao\">What are the purposes of housing credit?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Check out the main purposes and types of housing credit present on the market:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Purchase of constructed property;<\/li><li>Purchase of land;<\/li><li>Construction or renovation of property.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In the latter case, it is common for the amount to be made available little by little, according to the progress of the work. Furthermore, know that it can be useful for purchasing your first or second property, such as for vacation or rental.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-qual-o-valor-e-o-prazo-de-um-credito-habitacao\">What is the value and term of a housing loan?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As with other types of credit, this varies according to the consumer&#039;s conditions, the risk that the bank assumes and the existence of guarantees.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-tipos-de-credito-credito-consolidado\">Types of credit: consolidated credit<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Continuing with the types of credit available on the market, we have consolidated credit. It works in a very different way, as it allows the consolidation of credits. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>That is, the joining of two or more debts from different credits into a single monthly installment. Consider, for example, someone who has outstanding credit card, personal loan and housing payments.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In this case, the consumer assumes three monthly installments. Each of the operations has its own fees and tariffs, which makes them more expensive.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>By unifying them all into a single installment, with this type of credit, it is possible to have only one type of rate and tariffs, which leads to savings in monthly expenses to meet expenses.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-quem-pode-pedir-um-credito-consolidado\">Who can request consolidated credit?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Only those who have two or more open credits. The following types of operations can be used for consolidation:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Credit card.<\/li><li>Personal credit;<\/li><li>Mortgage loans;<\/li><li>Car credit and others.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Furthermore, only those who are not registered on the Banco de Portugal blacklist can take out this type of credit. In other words, the installments of the credits to be consolidated must be up to date and not have payment delays.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-qual-o-valor-e-o-prazo-de-um-credito-consolidado\">What is the value and term of a consolidated credit?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Once again, this varies depending on the consumer and the financial institution and the risk it assumes. In general, payment can take up to 84 months.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-tipos-de-credito-conheca-o-credito-automovel\">Types of credit: learn about car credit<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"682\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1-1024x682.jpg\" alt=\"imagem com um homem com a m\u00e3o estendida\" class=\"w-full object-cover object-center border mx-auto wp-image-5457\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1-1024x682.jpg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1-300x200.jpg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1-768x511.jpg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Everything about types of credit. Source: Pexels<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>The last of the types of credit we list here is automobile, which is also one of the most common on the market and is especially aimed at purchasing or exchanging a car. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, it has a specific use and is not freely applicable by the consumer. Often, as in the case of housing credit, the amount goes directly to the dealership and the consumer pays the installments to the bank.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In fact, credit is usually guaranteed by the financed car or another asset that the consumer owns, such as a property. This can help limit fees and risk.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-quem-pode-pedir-um-credito-automovel-qual-o-valor-e-o-prazo\">Who can apply for a car loan? What is the value and deadline?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>People who want to purchase a car and who are not on the Banco de Portugal blacklist can request this credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Furthermore, the term and value vary according to the amount of the car desired, the image of the consumer in the market and the risks he or she poses to the bank granting the credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finally, if you would like to know a little more about the Banco de Portugal blacklist, mentioned several times in this article, go below and check out how to get out of it!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2lVJtN\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/en\/saber-lista-negra-do-banco-de-portugal\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Find out if you are on the Banco de Portugal blacklist and how to get out: step by step!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/02\/lista-negra-de-devedores-banco-de-portugal-1.png\" alt=\"logotipo Fonte: Banco de Portugal YouTube\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/en\/saber-lista-negra-do-banco-de-portugal\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Find out if you are on the Banco de Portugal blacklist and how to get out: step by step!\">\n            Find out if you are on the Banco de Portugal blacklist and how to get out: step by step!        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Knowing whether you are on the Banco de Portugal blacklist is essential for everyone who has contracts with financial services. 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