{"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\/nl\/tipos-de-credito\/","title":{"rendered":"Begrijp de soorten kredieten: persoonlijk, huisvesting, geconsolideerd en auto"},"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\">Ontdek de belangrijkste kredietvormen en beslis welke het beste bij u past!<\/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\" >Lees meer over elk type bestaand krediet. Bron: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Elk krediettype heeft een specifiek doel. Terwijl sommigen de verplichting hebben om met waarde te gebruiken, zien anderen af van deze verplichting.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bovendien verschillen ze ook wat betreft de concessieregels en de gevolgen daarvan. 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Blijf dus lezen en leer meer over de vier soorten kredieten. Wis bovendien al uw twijfels over elk van hen. Goed lezen!<\/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\">Soorten krediet: persoonlijk krediet<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Een van de belangrijkste soorten krediet is persoonlijk. Het onderscheidt zich doordat het zich niet inzet voor het gebruik van geld. In feite is dit het perfecte krediettype voor degenen die meerdere dromen hebben om in praktijk te brengen. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Wilt u reizen, een cursus volgen of uw financi\u00eble leven ontspannener maken? Dan is dit misschien wel het perfecte leenformaat voor jou. Het geld wordt direct op uw rekening gestort en u kunt het vervolgens gebruiken zoals u dat wilt. <\/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\">Wie kan een persoonlijke lening aanvragen? Wat zijn de waarden en deadlines?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Iedereen die niet op de zwarte lijst van de Banco de Portugal staat, die in het land woont en een verifieerbaar inkomen heeft, kan dit krediet aanvragen, door eenvoudigweg de maandelijkse termijnen te betalen na het contract.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bovendien vari\u00ebren de tarieven en voorwaarden afhankelijk van elke lening. Terwijl degenen met een lagere waarde binnen 12 maanden kunnen worden betaald, bieden degenen met een groter bedrag tot 84 maanden de tijd om te betalen.<\/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\">Soorten krediet: woonkrediet<\/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\" >Begrijp meer over hoe woonkrediet werkt. Bron: Canva.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Een ander type lening dat op de markt beschikbaar is, betreft woonkrediet. Zoals de naam al aangeeft, heeft het een vastgoeddoeleinden. Het kan bijvoorbeeld gaan om de aankoop van onroerend goed of grond.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Zo ook voor de renovatie van een woning, aanbouw of hypotheek. In dit geval beschikt de consument over een waarde, maar deze moet noodzakelijkerwijs worden gebruikt voor het aangegeven doel.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bij de aankoop van onroerend goed is het gebruikelijk dat de bank de schuld bij het bouwbedrijf of de ontwikkelaar overneemt, terwijl de consument deze verschuldigd is zonder de kleur van het geld te zien.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In feite is het normaal dat het onroerend goed als onderpand voor de financi\u00eble transactie dient, waardoor de rente en het inspanningspercentage kunnen afnemen, waardoor de spreiding kleiner wordt.<\/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\">Wat zijn de doeleinden van woonkrediet?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bekijk de belangrijkste doeleinden en soorten woonkredieten die op de markt aanwezig zijn:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Aankoop van gebouwd onroerend goed;<\/li><li>Aankoop van grond;<\/li><li>Bouw of renovatie van onroerend goed.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In dit laatste geval is het gebruikelijk dat het bedrag beetje bij beetje ter beschikking wordt gesteld, afhankelijk van de voortgang van de werkzaamheden. Weet bovendien dat het handig kan zijn bij de aankoop van uw eerste of tweede woning, bijvoorbeeld voor vakantie of verhuur.<\/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\">Wat is de waarde en looptijd van een woonlening?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Net als bij andere kredietvormen varieert dit afhankelijk van de voorwaarden van de consument, het risico dat de bank op zich neemt en het bestaan van garanties.<\/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\">Soorten kredieten: geconsolideerd krediet<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Voortbordurend op de soorten kredieten die op de markt beschikbaar zijn, hebben we de kredieten geconsolideerd. Het werkt op een heel andere manier, omdat het de consolidatie van kredieten mogelijk maakt. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dat wil zeggen, het samenvoegen van twee of meer schulden van verschillende kredieten tot \u00e9\u00e9n maandelijkse afbetaling. Denk bijvoorbeeld aan iemand die openstaande creditcard-, persoonlijke leningen- en woningbetalingen heeft.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In dit geval gaat de consument uit van drie maandelijkse termijnen. Elk van de operaties heeft zijn eigen vergoedingen en tarieven, waardoor ze duurder worden.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Door ze allemaal in \u00e9\u00e9n enkele afbetaling te verenigen, is het met dit soort krediet mogelijk om slechts \u00e9\u00e9n type tarief en tarieven te hebben, wat leidt tot besparingen op de maandelijkse uitgaven om de kosten te dekken.<\/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\">Wie kan een geconsolideerd krediet aanvragen?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alleen degenen die twee of meer openstaande credits hebben. De volgende soorten bewerkingen kunnen worden gebruikt voor consolidatie:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Kredietkaart.<\/li><li>Persoonlijk krediet;<\/li><li>Hypothecaire leningen;<\/li><li>Autokrediet en anderen.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bovendien kunnen alleen degenen die niet op de zwarte lijst van Banco de Portugal staan, dit soort krediet afsluiten. Met andere woorden: de termijnen van de te consolideren tegoeden moeten actueel zijn en geen betalingsachterstanden vertonen.<\/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\">Wat is de waarde en looptijd van een geconsolideerd krediet?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nogmaals, dit varieert afhankelijk van de consument en de financi\u00eble instelling en het risico dat zij lopen. Over het algemeen kan de betaling maximaal 84 maanden duren.<\/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\">Soorten krediet: leer meer over autokrediet<\/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\" >Alles over kredietvormen. Bron: Pexels<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De laatste soort krediet die we hier vermelden is de autolening, die ook een van de meest voorkomende op de markt is en vooral gericht is op het kopen of inruilen van een auto. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Het heeft dus een specifiek nut en is niet vrij toepasbaar door de consument. Vaak gaat, net als bij woonkrediet, het bedrag rechtstreeks naar de dealer en betaalt de consument de termijnen aan de bank.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In feite wordt krediet meestal gegarandeerd door de gefinancierde auto of een ander goed dat de consument bezit, zoals een onroerend goed. Dit kan helpen de kosten en risico&#039;s te beperken.<\/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\">Wie kan een autolening aanvragen? Wat is de waarde en deadline?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mensen die een auto willen kopen en die niet op de zwarte lijst van Banco de Portugal staan, kunnen dit krediet aanvragen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bovendien vari\u00ebren de looptijd en de waarde afhankelijk van het bedrag van de gewenste auto, het imago van de consument in de markt en de risico&#039;s die hij of zij loopt voor de bank die het krediet verstrekt.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Als u ten slotte wat meer wilt weten over de zwarte lijst van de Banco de Portugal, die meerdere keren in dit artikel wordt genoemd, ga dan hieronder en kijk hoe u eruit kunt komen!<\/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\/nl\/saber-lista-negra-do-banco-de-portugal\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Ontdek of u op de zwarte lijst van Banco de Portugal staat en hoe u hieruit komt: stap voor stap!\">\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\/nl\/saber-lista-negra-do-banco-de-portugal\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Ontdek of u op de zwarte lijst van Banco de Portugal staat en hoe u hieruit komt: stap voor stap!\">\n            Ontdek of u op de zwarte lijst van Banco de Portugal staat en hoe u hieruit komt: stap voor stap!        <\/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            Weten of u op de zwarte lijst van Banco de Portugal staat, is essentieel voor iedereen die contracten heeft met financi\u00eble diensten. 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Het is dus belangrijk om te begrijpen welke soorten kredietlijnen beschikbaar zijn. Bekijk onze gids om erachter te komen welk type het beste bij u past!<\/p>","protected":false},"author":4,"featured_media":5456,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3,8],"tags":[1507,168,244,144,1506],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Entenda sobre os tipos de cr\u00e9dito: pessoal, habita\u00e7\u00e3o, consolidado e autom\u00f3vel - Senhor Cart\u00e3o<\/title>\n<meta name=\"description\" content=\"Voc\u00ea conhece os principais tipos de cr\u00e9dito e como cada um deles funciona? 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