{"id":7996,"date":"2015-09-11T17:12:13","date_gmt":"2015-09-11T17:12:13","guid":{"rendered":"https:\/\/odin.valadascoriel.com\/banco-de-portugal-instrucao-relativa-as-taxas-maximas-aplicaveis-aos-contratos-de-credito-aos-consumidores-instrucao-n-o-13-2015\/"},"modified":"2015-09-11T17:12:13","modified_gmt":"2015-09-11T17:12:13","slug":"banco-de-portugal-instrucao-relativa-as-taxas-maximas-aplicaveis-aos-contratos-de-credito-aos-consumidores-instrucao-n-o-13-2015","status":"publish","type":"post","link":"https:\/\/www.valadascoriel.com\/pt-pt\/banco-de-portugal-instrucao-relativa-as-taxas-maximas-aplicaveis-aos-contratos-de-credito-aos-consumidores-instrucao-n-o-13-2015\/","title":{"rendered":"Banco de Portugal Instru\u00e7\u00e3o relativa \u00e0s taxas m\u00e1ximas aplic\u00e1veis aos contratos de cr\u00e9dito aos consumidores \u2013 Instru\u00e7\u00e3o n.\u00ba 13\/2015"},"content":{"rendered":"

O Banco de Portugal publicou a Instru\u00e7\u00e3o n.\u00ba 13\/2015, de 3 de Setembro, que determina para o 4\u00ba trimestre de 2015, as taxas m\u00e1ximas aplic\u00e1veis aos contratos de cr\u00e9dito aos consumidores.<\/p>\n

4.\u00ba trimestre de 2015 \u00a0<\/strong> \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0TAEG m\u00e1xima
\n<\/em><\/p>\n

Cr\u00e9dito Pessoal<\/strong> \u00a0 <\/em><\/p>\n

Finalidade Educa\u00e7\u00e3o, Sa\u00fade, Energias Renov\u00e1veis e Loca\u00e7\u00e3o Financeira de Equipamentos \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a05,40%
\n<\/em><\/p>\n

Outros Cr\u00e9ditos Pessoais (sem finalidade espec\u00edfica, lar, consolidado e outras finalidades) \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 14,80%<\/em><\/p>\n


\nCr\u00e9dito Autom\u00f3vel <\/strong><\/em><\/p>\n

Loca\u00e7\u00e3o Financeira ou ALD: novos \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 6,20%<\/em>
\nLoca\u00e7\u00e3o Financeira ou ALD: usados \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 7,70%<\/em><\/p>\n


\nCom reserva de propriedade e outros: novos 10,50%
\nCom reserva de propriedade e outros: usados 13,20%<\/em><\/p>\n


\nCart\u00f5es de Cr\u00e9dito, Linhas de Cr\u00e9dito, Contas Correntes Banc\u00e1rias e Facilidades de Descoberto \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a018,40%<\/em><\/p>\n

4.\u00ba trimestre de 2015 <\/strong>
\nUltrapassagens de cr\u00e9dito\u00a0 \u00a0\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 18,40%<\/p>\n

 <\/p>\n

TAEG- Taxa Anual de Encargos Efectiva Global<\/p>\n

\u00a0<\/em>TAN- Taxa Anual Nominal<\/em><\/p>\n

As referidas taxas entram em vigor a partir de 1 de Outubro de 2015.<\/p>\n

Caso, ap\u00f3s essa data, verifique que o seu Banco lhe est\u00e1 a cobrar uma taxa superior \u00e0 acima indicada para o seu contrato de cr\u00e9dito ao consumo, poder\u00e1 reclamar junto da pr\u00f3pria Institui\u00e7\u00e3o de Cr\u00e9dito, solicitando a aplica\u00e7\u00e3o da taxa m\u00e1xima em vigor aplic\u00e1vel e, caso a Institui\u00e7\u00e3o banc\u00e1ria n\u00e3o o fa\u00e7a, poder\u00e1 reclamar junto do Banco de Portugal.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

O Banco de Portugal publicou a Instru\u00e7\u00e3o n.\u00ba 13\/2015, de 3 de Setembro, que determina para o 4\u00ba trimestre de 2015, as taxas m\u00e1ximas aplic\u00e1veis aos contratos de cr\u00e9dito aos consumidores. 4.\u00ba trimestre de 2015 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[24,26],"tags":[],"class_list":["post-7996","post","type-post","status-publish","format-standard","hentry","category-noticias-e-insights","category-a-sociedade"],"yoast_head":"\nBanco de Portugal Instru\u00e7\u00e3o relativa \u00e0s taxas m\u00e1ximas aplic\u00e1veis aos contratos de cr\u00e9dito aos consumidores \u2013 Instru\u00e7\u00e3o n.\u00ba 13\/2015 - VCA - Valadas Coriel e Associados<\/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:\/\/www.valadascoriel.com\/pt-pt\/banco-de-portugal-instrucao-relativa-as-taxas-maximas-aplicaveis-aos-contratos-de-credito-aos-consumidores-instrucao-n-o-13-2015\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banco de Portugal Instru\u00e7\u00e3o relativa \u00e0s taxas m\u00e1ximas aplic\u00e1veis aos contratos de cr\u00e9dito aos consumidores \u2013 Instru\u00e7\u00e3o n.\u00ba 13\/2015\" \/>\n<meta property=\"og:description\" content=\"O Banco de Portugal publicou a Instru\u00e7\u00e3o n.\u00ba 13\/2015, de 3 de Setembro, que determina para o 4\u00ba trimestre de 2015, as taxas m\u00e1ximas aplic\u00e1veis aos contratos de cr\u00e9dito aos consumidores. 4.\u00ba trimestre de 2015 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.valadascoriel.com\/pt-pt\/banco-de-portugal-instrucao-relativa-as-taxas-maximas-aplicaveis-aos-contratos-de-credito-aos-consumidores-instrucao-n-o-13-2015\/\" \/>\n<meta property=\"og:site_name\" content=\"VCA - 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