{"id":861,"date":"2021-07-08T16:41:46","date_gmt":"2021-07-08T14:41:46","guid":{"rendered":"https:\/\/cf.idealab-dev.ch\/faq\/"},"modified":"2023-06-23T11:19:42","modified_gmt":"2023-06-23T09:19:42","slug":"faq","status":"publish","type":"page","link":"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/","title":{"rendered":"Empr\u00e9stimo pessoal &#8211; FAQ"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility\" style=\"--awb-background-position:right center;--awb-border-sizes-left:0;--awb-border-sizes-right:0;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-bottom:0px;--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-background-color:#f39200;--awb-background-image:url(&quot;https:\/\/creditfinanz.ch\/index\/wp-content\/uploads\/2021\/10\/prestito_head2.jpg&quot;);--awb-background-size:cover;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-bottom:0px;--awb-bg-image:linear-gradient(180deg, #f39200 0%,#f39200 100%);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:30%;width:100%;\"><\/div><div class=\"fusion-text fusion-text-1\"><h1><span style=\"color: #ffffff;\">Empr\u00e9stimo pessoal &#8211; FAQ<\/span><\/h1>\n<p><span style=\"color: #ffffff;\">Respostas \u00e0s perguntas que recebemos freq\u00fcentemente de nossos clientes.<\/span><\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:#f39200;--button_accent_hover_color:#f39200;--button_border_hover_color:#ffffff;--button_gradient_top_color:#ffffff;--button_gradient_bottom_color:#ffffff;--button_gradient_top_color_hover:rgba(255,255,255,0.8);--button_gradient_bottom_color_hover:rgba(255,255,255,0.8);\" target=\"_self\" href=\"#piu\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Perguntas e respostas<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:30%;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-bg-position:center center;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-medium-visibility fusion-no-large-visibility\" style=\"--awb-background-position:right center;--awb-border-sizes-left:0;--awb-border-sizes-right:0;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-bottom:0px;--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-background-color:#f39200;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-bottom:0px;--awb-bg-color:#f39200;--awb-bg-color-hover:#f39200;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20%;width:100%;\"><\/div><div class=\"fusion-text fusion-text-2\"><h1><span style=\"color: #ffffff;\">Empr\u00e9stimo pessoal &#8211; FAQ<\/span><\/h1>\n<p><span style=\"color: #ffffff;\">Respostas \u00e0s perguntas que recebemos freq\u00fcentemente de nossos clientes.<\/span><\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:#f39200;--button_accent_hover_color:#f39200;--button_border_hover_color:#ffffff;--button_gradient_top_color:#ffffff;--button_gradient_bottom_color:#ffffff;--button_gradient_top_color_hover:rgba(255,255,255,0.8);--button_gradient_bottom_color_hover:rgba(255,255,255,0.8);\" target=\"_self\" href=\"#piu\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Perguntas e respostas<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20%;width:100%;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-medium-visibility fusion-no-large-visibility\" style=\"--awb-background-position:right center;--awb-border-sizes-left:0;--awb-border-sizes-right:0;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-background-color:#f39200;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-bg-color:#f39200;--awb-bg-color-hover:#f39200;--awb-bg-image:url(&#039;https:\/\/creditfinanz.ch\/index\/wp-content\/uploads\/2021\/10\/prestito_body.jpg&#039;);--awb-bg-position:center center;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/creditfinanz.ch\/index\/wp-content\/uploads\/2021\/10\/prestito_body.jpg\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:70%;width:100%;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:60px;--awb-margin-bottom:60px;--awb-background-color:#ffffff;--awb-background-image:linear-gradient(180deg, #ffffff 0%,#ffffff 100%);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-align-content-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-padding-bottom:0px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-menu-anchor\" id=\"piu\"><\/div><div class=\"fusion-text fusion-text-3\"><p><span style=\"color: #f39200;\"><strong>FAQ<\/strong><\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#003c69;--awb-content-color:#003c69;--awb-icon-box-color:#003c69;--awb-toggle-hover-accent-color:#f39200;--awb-title-font-family:&quot;Open Sans&quot;;--awb-title-font-weight:600;--awb-title-font-style:normal;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:regular;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-861-1\"><div class=\"fusion-panel panel-default panel-45c3388e2b6063168 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_45c3388e2b6063168\"><a aria-expanded=\"false\" aria-controls=\"45c3388e2b6063168\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-861-1\" data-target=\"#45c3388e2b6063168\" href=\"#45c3388e2b6063168\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Quais s\u00e3o as condi\u00e7\u00f5es necess\u00e1rias para um empr\u00e9stimo pessoal?<\/span><\/a><\/h4><\/div><div id=\"45c3388e2b6063168\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_45c3388e2b6063168\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<ul>\n<li>Nacionalidade Su\u00ed\u00e7a, Permissos B, C e G (Fronteiri\u00e7os)<\/li>\n<li>Usufruir de um sal\u00e1rio em francos su\u00ed\u00e7os<\/li>\n<li>Trabalhadores por conta pr\u00f3pria, ter\u00e3o que apresentar a \u00faltima decis\u00e3o dos Impostos<\/li>\n<li>Pessoas reformadas ou invalidas, ter\u00e3o que apresentar a \u00faltima nota de cr\u00e9dito banc\u00e1ria da sua pens\u00e3o..<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-ac566576b85028e5d fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ac566576b85028e5d\"><a aria-expanded=\"false\" aria-controls=\"ac566576b85028e5d\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-861-1\" data-target=\"#ac566576b85028e5d\" href=\"#ac566576b85028e5d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Se j\u00e1 possuo um financiamento posso apresentar outro pedido de cr\u00e9dito?<\/span><\/a><\/h4><\/div><div id=\"ac566576b85028e5d\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ac566576b85028e5d\"><div class=\"panel-body toggle-content fusion-clearfix\">Sim, pode solicitar um novo pedido de empr\u00e9stimo, respeitando os par\u00e2metros da legisla\u00e7\u00e3o em vigor na Su\u00ed\u00e7a: &#8220;A concess\u00e3o de cr\u00e9dito \u00e9 proibida se levar ao sobre-endividamento do consumidor&#8221; (art. 3 LCSI).<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-967d4ec3194f1015d fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_967d4ec3194f1015d\"><a aria-expanded=\"false\" aria-controls=\"967d4ec3194f1015d\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-861-1\" data-target=\"#967d4ec3194f1015d\" href=\"#967d4ec3194f1015d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Se pagar demasiados juros, posso solicitar o resgate de um ou mais empr\u00e9stimos privados?<\/span><\/a><\/h4><\/div><div id=\"967d4ec3194f1015d\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_967d4ec3194f1015d\"><div class=\"panel-body toggle-content fusion-clearfix\">Sim, pode solicitar o resgate de um ou mais empr\u00e9stimos e aument\u00e1-lo, beneficiando assim de uma melhor taxa de juro. Basta preencher o nosso formul\u00e1rio de pedido de cr\u00e9dito, juntando uma fotoc\u00f3pia dos documentos necess\u00e1rios, que ser\u00e3o depois visualizados. O pedido de cr\u00e9dito pode ser feito utilizando o formul\u00e1rio online, ou PDF, enviando-o por Whatsapp, E-Mail, ou por correio, ou marcando uma reuni\u00e3o nos nossos escrit\u00f3rios em Lugano ou Bellinzona.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-0dbcfa1c5c7ca12ea fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_0dbcfa1c5c7ca12ea\"><a aria-expanded=\"false\" aria-controls=\"0dbcfa1c5c7ca12ea\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-861-1\" data-target=\"#0dbcfa1c5c7ca12ea\" href=\"#0dbcfa1c5c7ca12ea\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Porque devo escolher creditFinanz SA como consultora?<\/span><\/a><\/h4><\/div><div id=\"0dbcfa1c5c7ca12ea\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_0dbcfa1c5c7ca12ea\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Existem muitas raz\u00f5es para nos escolher como um conselheiro confi\u00e1vel e intermedi\u00e1rio de cr\u00e9dito e seguros. A satisfa\u00e7\u00e3o dos nossos clientes e a sua recomenda\u00e7\u00e3o para outros \u00e9 o mais importante. Podendo tirar vantagem de muitos benef\u00edcios se decidir escolher a creditFinanz SA como seu conselheiro de confian\u00e7a.<\/p>\n<p>Aqui est\u00e3o algumas delas:<\/p>\n<ul>\n<li>Os nossos servi\u00e7os s\u00e3o gratuitos e tratados com absoluta seriedade e discri\u00e7\u00e3o no pleno respeito da lei de privacidade.<\/li>\n<li>Somos uma Ag\u00eancia s\u00e9ria e legalmente autorizada a executar pedidos de Empr\u00e9stimo ao consumo em toda a Su\u00ed\u00e7a.<\/li>\n<li>Estamos sempre informados sobre os \u00faltimos e melhores produtos, aos melhores pre\u00e7os do mercado Su\u00ed\u00e7o, a fim de oferecer o melhor para os nossos clientes.<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-6c1bfae7656451e4f fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_6c1bfae7656451e4f\"><a aria-expanded=\"false\" aria-controls=\"6c1bfae7656451e4f\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-861-1\" data-target=\"#6c1bfae7656451e4f\" href=\"#6c1bfae7656451e4f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Que tipo de controlo \u00e9 realizado no meu pedido de cr\u00e9dito?<\/span><\/a><\/h4><\/div><div id=\"6c1bfae7656451e4f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_6c1bfae7656451e4f\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Ap\u00f3s ter feito o seu pedido de cr\u00e9dito, o Banco utiliza as informa\u00e7\u00f5es fornecidas para verificar com a central de informa\u00e7\u00f5es de cr\u00e9dito ao consumo ZEK e IKO. O seu pedido de empr\u00e9stimo tamb\u00e9m est\u00e1 sujeito a controlo por parte do Departamento de d\u00edvidas e fal\u00eancias, a fim de verificar eventuais situa\u00e7\u00f5es de insolv\u00eancia.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-e6756fcc896fef1ab fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_e6756fcc896fef1ab\"><a aria-expanded=\"false\" aria-controls=\"e6756fcc896fef1ab\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-861-1\" data-target=\"#e6756fcc896fef1ab\" href=\"#e6756fcc896fef1ab\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Que par\u00e2metros foram levados em considera\u00e7\u00e3o para determinar o montante do cr\u00e9dito e a taxa de juros?<\/span><\/a><\/h4><\/div><div id=\"e6756fcc896fef1ab\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_e6756fcc896fef1ab\"><div class=\"panel-body toggle-content fusion-clearfix\">O montante do financiamento e a taxa de juros ser\u00e1 determinado pelo Banco, ap\u00f3s o exame dos documentos anexados ao seu pedido.<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:90px;--awb-padding-bottom:60px;--awb-margin-top:60px;--awb-margin-bottom:60px;--awb-background-image:linear-gradient(180deg, #f9fafb 0%,#f9fafb 100%);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-align-content-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-border-color:#f6f6f5;--awb-border-style:solid;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\"><p><span style=\"color: #f39200;\"><strong>Aplicar para um emprestimo<\/strong><\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-5\"><h2>N\u00f3s oferecemos-lhe os pre\u00e7os mais baixos praticados na Su\u00ed\u00e7a, de 4.9%<\/h2>\n<p>O montante do cr\u00e9dito e a taxa de juros ser\u00e1 determinada pelo Banco, ap\u00f3s o exame dos documentos que apoiam o pedido. A taxa aplicada no in\u00edcio do contrato permanece inalterada durante a dura\u00e7\u00e3o do contrato de cr\u00e9dito.<\/p>\n<\/div><div class=\"fusion-text fusion-text-6\"><p>Se escolher o modo com o formul\u00e1rio de papel, fa\u00e7a o Download do PDF, imprima, preencha e envie por correio, ou entregue directamente num dos nossos escrit\u00f3rios em Lugano ou Bellinzona, onde teremos todo o prazer em oferecer-lhe aconselhamento personalizado.<\/p>\n<p>Em ambos os tipos de solicita\u00e7\u00e3o e num curto espa\u00e7o de tempo, ter\u00e1 o instrumento financeiro que escolher, e facilmente pagar as parcelas em presta\u00e7\u00f5es mensais.<\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-align-content-center fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div ><a class=\"fusion-button button-flat button-large button-default fusion-button-default button-3 fusion-button-span-yes fusion-button-default-type\" target=\"_self\" href=\"\/index\/pt-pt\/emprestimo-pessoal\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Como funciona<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\" style=\"border-radius:5%;\"><img decoding=\"async\" width=\"670\" height=\"680\" alt=\"credito privato\" title=\"prestito_def\" src=\"https:\/\/creditfinanz.idealab-dev.ch\/index\/wp-content\/uploads\/2021\/10\/prestito_def.jpg\" class=\"img-responsive wp-image-1652\" srcset=\"https:\/\/creditfinanz.ch\/index\/wp-content\/uploads\/2021\/10\/prestito_def-200x203.jpg 200w, https:\/\/creditfinanz.ch\/index\/wp-content\/uploads\/2021\/10\/prestito_def-400x406.jpg 400w, https:\/\/creditfinanz.ch\/index\/wp-content\/uploads\/2021\/10\/prestito_def-600x609.jpg 600w, https:\/\/creditfinanz.ch\/index\/wp-content\/uploads\/2021\/10\/prestito_def.jpg 670w\" sizes=\"(max-width: 700px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-861","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Empr\u00e9stimo pessoal - FAQ - Credit Finanz SA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Empr\u00e9stimo pessoal - FAQ - Credit Finanz SA\" \/>\n<meta property=\"og:url\" content=\"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/\" \/>\n<meta property=\"og:site_name\" content=\"Credit Finanz SA\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/cflugano\/\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-23T09:19:42+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"28 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/\",\"url\":\"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/\",\"name\":\"Empr\u00e9stimo pessoal - FAQ - Credit Finanz SA\",\"isPartOf\":{\"@id\":\"https:\/\/creditfinanz.ch\/index\/#website\"},\"datePublished\":\"2021-07-08T14:41:46+00:00\",\"dateModified\":\"2023-06-23T09:19:42+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/#breadcrumb\"},\"inLanguage\":\"pt-PT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/creditfinanz.ch\/index\/pt-pt\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Empr\u00e9stimo pessoal &#8211; FAQ\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/creditfinanz.ch\/index\/#website\",\"url\":\"https:\/\/creditfinanz.ch\/index\/\",\"name\":\"Credit Finanz SA\",\"description\":\"Lugano - Bellinzona\",\"publisher\":{\"@id\":\"https:\/\/creditfinanz.ch\/index\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/creditfinanz.ch\/index\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-PT\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/creditfinanz.ch\/index\/#organization\",\"name\":\"Credit Finanz SA\",\"url\":\"https:\/\/creditfinanz.ch\/index\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-PT\",\"@id\":\"https:\/\/creditfinanz.ch\/index\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/creditfinanz.ch\/index\/wp-content\/uploads\/2021\/05\/400.png\",\"contentUrl\":\"https:\/\/creditfinanz.ch\/index\/wp-content\/uploads\/2021\/05\/400.png\",\"width\":400,\"height\":51,\"caption\":\"Credit Finanz SA\"},\"image\":{\"@id\":\"https:\/\/creditfinanz.ch\/index\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/cflugano\/\",\"https:\/\/www.linkedin.com\/company-beta\/11124857\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Empr\u00e9stimo pessoal - FAQ - Credit Finanz SA","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/","og_locale":"pt_PT","og_type":"article","og_title":"Empr\u00e9stimo pessoal - FAQ - Credit Finanz SA","og_url":"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/","og_site_name":"Credit Finanz SA","article_publisher":"https:\/\/www.facebook.com\/cflugano\/","article_modified_time":"2023-06-23T09:19:42+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"28 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/","url":"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/","name":"Empr\u00e9stimo pessoal - FAQ - Credit Finanz SA","isPartOf":{"@id":"https:\/\/creditfinanz.ch\/index\/#website"},"datePublished":"2021-07-08T14:41:46+00:00","dateModified":"2023-06-23T09:19:42+00:00","breadcrumb":{"@id":"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/#breadcrumb"},"inLanguage":"pt-PT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/creditfinanz.ch\/index\/pt-pt\/faq\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/creditfinanz.ch\/index\/pt-pt\/"},{"@type":"ListItem","position":2,"name":"Empr\u00e9stimo pessoal &#8211; FAQ"}]},{"@type":"WebSite","@id":"https:\/\/creditfinanz.ch\/index\/#website","url":"https:\/\/creditfinanz.ch\/index\/","name":"Credit Finanz SA","description":"Lugano - Bellinzona","publisher":{"@id":"https:\/\/creditfinanz.ch\/index\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/creditfinanz.ch\/index\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-PT"},{"@type":"Organization","@id":"https:\/\/creditfinanz.ch\/index\/#organization","name":"Credit Finanz SA","url":"https:\/\/creditfinanz.ch\/index\/","logo":{"@type":"ImageObject","inLanguage":"pt-PT","@id":"https:\/\/creditfinanz.ch\/index\/#\/schema\/logo\/image\/","url":"https:\/\/creditfinanz.ch\/index\/wp-content\/uploads\/2021\/05\/400.png","contentUrl":"https:\/\/creditfinanz.ch\/index\/wp-content\/uploads\/2021\/05\/400.png","width":400,"height":51,"caption":"Credit Finanz SA"},"image":{"@id":"https:\/\/creditfinanz.ch\/index\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/cflugano\/","https:\/\/www.linkedin.com\/company-beta\/11124857\/"]}]}},"_links":{"self":[{"href":"https:\/\/creditfinanz.ch\/index\/pt-pt\/wp-json\/wp\/v2\/pages\/861","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/creditfinanz.ch\/index\/pt-pt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/creditfinanz.ch\/index\/pt-pt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/creditfinanz.ch\/index\/pt-pt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/creditfinanz.ch\/index\/pt-pt\/wp-json\/wp\/v2\/comments?post=861"}],"version-history":[{"count":13,"href":"https:\/\/creditfinanz.ch\/index\/pt-pt\/wp-json\/wp\/v2\/pages\/861\/revisions"}],"predecessor-version":[{"id":2180,"href":"https:\/\/creditfinanz.ch\/index\/pt-pt\/wp-json\/wp\/v2\/pages\/861\/revisions\/2180"}],"wp:attachment":[{"href":"https:\/\/creditfinanz.ch\/index\/pt-pt\/wp-json\/wp\/v2\/media?parent=861"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}