{"id":13029,"date":"2022-02-27T15:46:12","date_gmt":"2022-02-27T13:46:12","guid":{"rendered":"https:\/\/test.lica.ch\/?p=13029"},"modified":"2025-12-10T18:17:21","modified_gmt":"2025-12-10T17:17:21","slug":"o-seu-credito-pessoal-com-a-melhor-taxa-da-suica","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/credit-personnel\/votre-credit-prive-au-meilleur-taux-de-suisse\/","title":{"rendered":"Como obter um cr\u00e9dito pessoal com a melhor taxa poss\u00edvel?"},"content":{"rendered":"<p>Esta \u00e9 uma quest\u00e3o que geralmente se coloca a qualquer candidato a cr\u00e9dito. No entanto, a resposta correta a esta quest\u00e3o deve ser abordada de diferentes \u00e2ngulos. Neste artigo, Lica explica em pormenor como obter as melhores condi\u00e7\u00f5es para o seu cr\u00e9dito privado. Afinal, quem n\u00e3o gostaria de beneficiar de um cr\u00e9dito privado com a melhor taxa do mercado? A resposta \u00e9 absolutamente toda a gente! No entanto, para o fazer, ter\u00e1 de cumprir determinados crit\u00e9rios espec\u00edficos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"la-situation-du-marche\">A situa\u00e7\u00e3o do mercado<\/h2>\n\n\n\n<p>Na Su\u00ed\u00e7a, o mercado do cr\u00e9dito privado est\u00e1 repartido por cerca de dez empresas. Existem tamb\u00e9m mutuantes privados, mas como s\u00e3o muito poucos, n\u00e3o ser\u00e3o objeto de an\u00e1lise neste artigo. Trata-se, portanto, essencialmente de um mercado privado em que a concorr\u00eancia \u00e9 livre. <a class=\"lien-blog\" href=\"https:\/\/www.admin.ch\/gov\/fr\/accueil\/documentation\/communiques.msg-id-77176.html\" target=\"_blank\" rel=\"noreferrer noopener\">No entanto, o Conselho Federal fixou um limite m\u00e1ximo para a taxa de juro<\/a> autorizadas, a fim de garantir a prote\u00e7\u00e3o dos consumidores. Em 2021, a taxa m\u00e1xima autorizada \u00e9 fixada em 10% para os empr\u00e9stimos privados.<\/p>\n\n\n\n<p>Num mercado concorrencial, o primeiro passo para obter um cr\u00e9dito privado com a melhor taxa ser\u00e1 jogar a concorr\u00eancia. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pour-obtenir-un-credit-prive-au-meilleur-taux-deux-solutions-possibles\">H\u00e1 duas maneiras de obter um empr\u00e9stimo privado com a melhor taxa:<\/h3>\n\n\n\n<ol style=\"list-style-type:1\" class=\"wp-block-list\">\n<li>Seja um especialista em cr\u00e9dito privado, prepare corretamente o seu pedido e candidate-se aos v\u00e1rios bancos do mercado. Aten\u00e7\u00e3o: se for recusado, o seu pedido de cr\u00e9dito pode transformar-se rapidamente num pesadelo.<\/li>\n\n\n\n<li>Escolha um corretor de empr\u00e9stimos com uma excelente reputa\u00e7\u00e3o e deixe que ele lhe consiga o seu empr\u00e9stimo \u00e0 melhor taxa do mercado.<\/li>\n<\/ol>\n\n\n\n<p>Neste contexto, a segunda op\u00e7\u00e3o \u00e9 certamente a mais vantajosa para quem deseja obter um empr\u00e9stimo privado em excelentes condi\u00e7\u00f5es e, sobretudo, para quem deseja poupar tempo precioso em pesquisas e procedimentos administrativos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"votre-situation-personnelle-est-un-facteur-cle-pour-obtenir-un-credit-prive-au-meilleur-taux\">A sua situa\u00e7\u00e3o pessoal \u00e9 um fator essencial para obter um cr\u00e9dito privado com a melhor taxa<\/h2>\n\n\n\n<p>\u00c9 certo que um banco n\u00e3o estar\u00e1 disposto a oferecer-lhe condi\u00e7\u00f5es vantajosas se for um mau pagador. De facto, um banco n\u00e3o se arrisca a perder o seu dinheiro se tiver d\u00favidas sobre a sua capacidade de reembolso. \u00c9 por isso que <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lica<\/a> tem sempre a preocupa\u00e7\u00e3o de preparar antecipadamente pedidos de financiamento impec\u00e1veis. Isto implica por vezes um pouco mais de discuss\u00e3o com os nossos clientes. No entanto, \u00e9 a garantia de obter sempre um cr\u00e9dito privado \u00e0 melhor taxa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"votre-experience-avec-les-credits-prives\">A sua experi\u00eancia com o cr\u00e9dito privado<\/h2>\n\n\n\n<p>Pode parecer surpreendente, mas os bancos apreciam os clientes com os quais \u00e9 poss\u00edvel estabelecer um historial de cr\u00e9dito privado. Um cliente que nunca teve cr\u00e9dito pode ter uma nota\u00e7\u00e3o muito mais baixa do que um cliente que j\u00e1 teve cr\u00e9dito privado. Sobretudo se este \u00faltimo tiver efectuado regularmente bons pagamentos mensais.<\/p>\n\n\n\n<p>Para apresentar um historial de pagamentos irrepreens\u00edvel, a Lica analisa sistematicamente os seus dados em determinados registos. Deste modo, iniciamos o nosso trabalho com base numa situa\u00e7\u00e3o documentada. Desta forma, \u00e9-nos muito mais f\u00e1cil encaminhar o seu pedido para os organismos certos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"choisir-un-courtier-independant\">Escolher um corretor independente<\/h2>\n\n\n\n<p>Ao contr\u00e1rio de um banco, um intermedi\u00e1rio tem um dever de dilig\u00eancia para com os seus clientes. Por outras palavras, os bancos est\u00e3o sobretudo interessados na qualidade dos pedidos que recebem. Por outras palavras, est\u00e3o sobretudo interessados no rendimento global dos empr\u00e9stimos que concedem. Um banco preferir\u00e1 sempre a seguran\u00e7a a correr riscos ao emprestar dinheiro. Um corretor independente, pelo contr\u00e1rio, privilegiar\u00e1 a taxa de aceita\u00e7\u00e3o mais elevada poss\u00edvel. Assim, os seus clientes ter\u00e3o todo o gosto em obter cr\u00e9dito \u00e0 melhor taxa sempre que poss\u00edvel.<\/p>\n\n\n\n<p><a class=\"lien-blog\" href=\"https:\/\/www.google.com\/maps?cid=5659348960334776367\" target=\"_blank\" rel=\"noreferrer noopener\">A escolha do corretor \u00e9 muito importante<\/a>&nbsp;! Alguns prestadores de servi\u00e7os est\u00e3o menos preocupados com os resultados a m\u00e9dio ou longo prazo e privilegiam a rapidez, pondo de lado os conselhos. Por isso, certifique-se de que a pessoa com quem est\u00e1 a lidar \u00e9 s\u00e9ria antes de a abordar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"la-preparation-du-dossier-une-des-cles-pour-obtenir-un-credit-au-meilleur-taux\">Preparar a sua candidatura \u00e9 uma das chaves para obter cr\u00e9dito \u00e0 melhor taxa<\/h2>\n\n\n\n<p>E sim, n\u00e3o h\u00e1 milagres! Apenas os melhores pedidos ser\u00e3o aceites rapidamente e em condi\u00e7\u00f5es favor\u00e1veis. Se deseja obter um empr\u00e9stimo \u00e0 melhor taxa, siga as instru\u00e7\u00f5es do seu conselheiro Lica. Ele sabe como preparar e apresentar o seu pedido para obter o resultado desejado.<\/p>\n\n\n\n<p>Quando lhe pedirem provas ou pormenores sobre a sua situa\u00e7\u00e3o, lembre-se que n\u00e3o \u00e9 para o aborrecer ou por curiosidade. Na Lica, dedicamos tempo a conhecer os nossos clientes e fazemos tudo o que est\u00e1 ao nosso alcance para que possa <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/demande-de-credit-prive-en-ligne\/\" target=\"_blank\" rel=\"noreferrer noopener\">obter o seu empr\u00e9stimo \u00e0 melhor taxa<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"une-offre-trop-belle-pour-etre-vrai\">Uma oferta demasiado boa para ser verdade<\/h2>\n\n\n\n<p>Nunca \u00e9 demais repetir, mas ofertas como \"O seu cr\u00e9dito a 0%\" ou \"O seu empr\u00e9stimo sem documentos comprovativos\" s\u00e3o uma fraude em 99,99% dos casos. Nenhuma institui\u00e7\u00e3o se arriscaria a perder dinheiro emprestando-o! Existem ofertas mais e menos atractivas no mercado su\u00ed\u00e7o, mas a \u00fanica forma de obter a melhor taxa de juro \u00e9 recorrer aos servi\u00e7os de um profissional.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"notre-conclusion-pour-obtenir-un-credit-prive-au-meilleur-taux\">A nossa conclus\u00e3o para obter um empr\u00e9stimo privado com a melhor taxa:<\/h2>\n\n\n\n<p>Para melhor resumir as nossas diferentes explica\u00e7\u00f5es, eis os tr\u00eas pontos a ter em conta para obter o seu empr\u00e9stimo \u00e0 melhor taxa:<\/p>\n\n\n\n<ol style=\"list-style-type:1\" class=\"wp-block-list\">\n<li>Escolha cuidadosamente o seu corretor<\/li>\n\n\n\n<li>Seguir escrupulosamente as suas instru\u00e7\u00f5es<\/li>\n\n\n\n<li>N\u00e3o multiplique desnecessariamente os seus pedidos de cr\u00e9dito<\/li>\n<\/ol>\n\n\n\n<p>Com estes tr\u00eas princ\u00edpios, tem todas as hip\u00f3teses de obter o financiamento necess\u00e1rio para realizar os seus projectos.<\/p>\n\n\n\n<p>Enquanto prestador de servi\u00e7os neutro e independente, o Lica ajuda milhares de clientes todos os anos a obter cr\u00e9dito nas melhores condi\u00e7\u00f5es poss\u00edveis. \u00c9 bem-vindo a <a href=\"https:\/\/www.lica.ch\/pt\/contacto\/\">contactar um dos nossos gestores na l\u00edngua da sua escolha<\/a> para discutir o assunto.<\/p>","protected":false},"excerpt":{"rendered":"<p>Voil\u00e0 une question qui se pose g\u00e9n\u00e9ralement pour tout demandeur de cr\u00e9dit. La bonne r\u00e9ponses \u00e0 cette question doit cependant \u00eatre abord\u00e9e sous diff\u00e9rents angles. Lica vous explique en d\u00e9tail dans cet article comment obtenir les meilleures conditions pour votre cr\u00e9dit priv\u00e9. D\u2019ailleurs, qui ne souhaiterait pas profiter d\u2019un cr\u00e9dit priv\u00e9 au meilleur taux du [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":27922,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-13029","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-personnel"],"_yoast_wpseo_focuskw":"Cr\u00e9dit priv\u00e9 au meilleur taux","_yoast_wpseo_title":"Cr\u00e9dit priv\u00e9 au meilleur taux avec les services de Lica !","_yoast_wpseo_metadesc":"Obtenir un cr\u00e9dit priv\u00e9 au meilleur taux n\u00e9cessite quelques explications. 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