{"id":14154,"date":"2022-11-06T15:45:53","date_gmt":"2022-11-06T13:45:53","guid":{"rendered":"https:\/\/lica.ch\/?p=14154"},"modified":"2025-12-11T18:55:25","modified_gmt":"2025-12-11T17:55:25","slug":"porque-realizar-uma-consolidacao-de-creditos","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/rachat-de-credit\/pourquoi-effectuer-un-regroupement-de-credit\/","title":{"rendered":"Por que realizar uma consolida\u00e7\u00e3o de cr\u00e9dito?"},"content":{"rendered":"

Atualmente, o cr\u00e9dito desempenha um papel importante em quase todos os lares da Su\u00ed\u00e7a. Tanto os particulares como as empresas optam pelo cr\u00e9dito devido \u00e0s suas in\u00fameras vantagens. \u00c9, sem d\u00favida, uma solu\u00e7\u00e3o vantajosa para o consumidor, mas a acumula\u00e7\u00e3o de cr\u00e9ditos pode tamb\u00e9m dar origem a numerosos problemas. Na pr\u00e1tica, permite um acesso r\u00e1pido aos fundos, mas tamb\u00e9m pode conduzir a um endividamento elevado ou a uma acumula\u00e7\u00e3o de empr\u00e9stimos. De facto, quando o endividamento \u00e9 demasiado elevado, os problemas com as taxas de juro, os pagamentos mensais ou as amortiza\u00e7\u00f5es s\u00e3o muitas vezes inevit\u00e1veis. Para remediar este tipo de constrangimento financeiro, a consolida\u00e7\u00e3o de cr\u00e9ditos \u00e9 uma boa alternativa!<\/p>\n\n\n\n

Consolida\u00e7\u00e3o de cr\u00e9ditos: o que \u00e9 exatamente?<\/h2>\n\n\n\n

A consolida\u00e7\u00e3o de cr\u00e9ditos consiste em reunir todos os seus cr\u00e9ditos num \u00fanico empr\u00e9stimo. \u00c9 frequentemente utilizada para reestruturar as d\u00edvidas. Com todas as compras a cr\u00e9dito que fazemos todos os dias, agrupar todos os seus empr\u00e9stimos \u00e9 a forma mais simples e eficaz de evitar perder-se nos seus reembolsos. <\/p>\n\n\n\n

Mais concretamente, o princ\u00edpio da consolida\u00e7\u00e3o de cr\u00e9ditos consiste em reunir todos os seus cr\u00e9ditos actuais num \u00fanico cr\u00e9dito. Isto permite reajustar os reembolsos mensais em fun\u00e7\u00e3o das modalidades e da capacidade de reembolso do agregado familiar. Para o efeito, uma institui\u00e7\u00e3o financeira prop\u00f5e e compromete-se a reembolsar todos os cr\u00e9ditos pendentes do mutu\u00e1rio. Em contrapartida, o mutu\u00e1rio obt\u00e9m um \u00fanico contrato de cr\u00e9dito com uma taxa, uma mensalidade e uma data de vencimento \u00fanicas e muito mais vantajosas.<\/p>\n\n\n\n

Quando \u00e9 que deve consolidar os seus empr\u00e9stimos?<\/h2>\n\n\n\n

A compra a cr\u00e9dito \u00e9 uma alternativa vantajosa para os consumidores que pretendem obter bens ou servi\u00e7os de qualidade. Hoje em dia, toda a gente compra a cr\u00e9dito. Mas por detr\u00e1s destas solu\u00e7\u00f5es inovadoras, a realidade \u00e9 muitas vezes bem diferente. Em que circunst\u00e2ncias deve consolidar o seu cr\u00e9dito? Para responder honestamente a esta pergunta, eis alguns sinais de que deve consolidar o seu cr\u00e9dito.<\/p>\n\n\n\n

Uma acumula\u00e7\u00e3o de cr\u00e9ditos<\/h3>\n\n\n\n

Se tem dificuldade em controlar o n\u00famero de empr\u00e9stimos que tem de reembolsar, pode estar a sofrer de uma crise de cr\u00e9dito. Fez muitas compras a cr\u00e9dito ou contraiu v\u00e1rios empr\u00e9stimos que est\u00e1 a ter dificuldade em gerir. Neste tipo de situa\u00e7\u00e3o, \u00e9 necess\u00e1rio consolidar os seus cr\u00e9ditos para evitar o incumprimento dos pagamentos e as eventuais penaliza\u00e7\u00f5es que da\u00ed podem resultar.<\/p>\n\n\n\n

Sobre-endividamento<\/h3>\n\n\n\n

Tal como a acumula\u00e7\u00e3o de cr\u00e9ditos, o sobre-endividamento surge geralmente quando n\u00e3o se consegue pagar as d\u00edvidas. Estas podem incluir as suas despesas correntes, os seus reembolsos mensais de cr\u00e9dito, etc. O sobre-endividamento \u00e9 uma prova clara de que \u00e9 necess\u00e1rio efetuar uma consolida\u00e7\u00e3o de cr\u00e9ditos. Esta opera\u00e7\u00e3o pode ajud\u00e1-lo a evitar o endividamento.<\/p>\n\n\n\n

Taxas de juro elevadas para os seus empr\u00e9stimos<\/h3>\n\n\n\n

A taxa de juro m\u00e9dia dos empr\u00e9stimos pessoais \u00e9 de 9% para montantes entre CHF 5'000.- e CHF 80'000.-. Em contrapartida, a taxa de juro m\u00e9dia dos cart\u00f5es de cr\u00e9dito \u00e9 de cerca de 12 %. Com Lica<\/a>Com uma consolida\u00e7\u00e3o de cr\u00e9ditos, pode ter a certeza de obter melhores condi\u00e7\u00f5es e, por conseguinte, pagar menos todos os meses. Uma consolida\u00e7\u00e3o de cr\u00e9ditos pode, por conseguinte, permitir-lhe poupar dinheiro nos juros. <\/p>\n\n\n\n

Sem plano de reembolso<\/h3>\n\n\n\n

Como um tipo de cr\u00e9dito rotativo, os cart\u00f5es de cr\u00e9dito permitem-lhe pedir emprestado e reembolsar fundos numa base cont\u00ednua. N\u00e3o existe um plano de reembolso fixo. Se continuar a utilizar o seu cart\u00e3o, pagando apenas o montante m\u00ednimo todos os meses, pode contrair d\u00edvidas significativas. Se n\u00e3o tiver um plano de reembolso, considere a consolida\u00e7\u00e3o de cr\u00e9ditos agora. <\/p>\n\n\n\n

\u00c9 claro que h\u00e1 muitas raz\u00f5es para considerar a possibilidade de consolidar o seu cr\u00e9dito. Depende geralmente dos seus problemas individuais. Mas, em todo o caso, \u00e9 uma opera\u00e7\u00e3o que oferece mais vantagens do que constrangimentos.<\/p>\n\n\n\n

5 boas raz\u00f5es para consolidar o seu cr\u00e9dito<\/h2>\n\n\n\n

1. Para simplificar as suas finan\u00e7as<\/h3>\n\n\n\n

A combina\u00e7\u00e3o dos seus empr\u00e9stimos pode transformar dois, tr\u00eas ou mais pagamentos num s\u00f3. Isto pode simplificar a elabora\u00e7\u00e3o do or\u00e7amento e reduzir consideravelmente o risco de d\u00edvidas n\u00e3o pagas. J\u00e1 n\u00e3o tem de se preocupar com v\u00e1rias datas de vencimento por m\u00eas. Al\u00e9m disso, o montante do reembolso \u00e9 o mesmo at\u00e9 \u00e0 data de vencimento. Assim, ter\u00e1 uma estimativa exacta do montante devido em cada m\u00eas.<\/p>\n\n\n\n

2. Reembolso mais r\u00e1pido<\/h3>\n\n\n\n

A consolida\u00e7\u00e3o de cr\u00e9ditos pode ajud\u00e1-lo a pagar os seus empr\u00e9stimos mais rapidamente. Especialmente se tiver d\u00edvidas significativas de cart\u00f5es de cr\u00e9dito. Os cart\u00f5es de cr\u00e9dito n\u00e3o t\u00eam um calend\u00e1rio definido para o reembolso do saldo. Um contrato de consolida\u00e7\u00e3o de cr\u00e9ditos, por outro lado, prop\u00f5e um pagamento fixo em cada data de vencimento.<\/p>\n\n\n\n

3. Uma taxa de juro mais baixa<\/h3>\n\n\n\n

Se juntar os seus empr\u00e9stimos, n\u00e3o s\u00f3 deixar\u00e1 de ter v\u00e1rias taxas de juro a considerar, como tamb\u00e9m beneficiar\u00e1 de uma taxa muito mais baixa. Naturalmente, as taxas variam em fun\u00e7\u00e3o do seu pontua\u00e7\u00e3o de cr\u00e9dito<\/a>A taxa de juro depende do montante do empr\u00e9stimo e do prazo do empr\u00e9stimo. Mas ao consolidar os seus cr\u00e9ditos com o Lica, obter\u00e1 provavelmente a taxa de juro mais baixa do mercado su\u00ed\u00e7o. <\/p>\n\n\n\n

4. Ter um plano de reembolso fixo<\/h3>\n\n\n\n

Ao ter um plano de reembolso fixo, o seu pagamento e a sua taxa de juro permanecem os mesmos durante todo o per\u00edodo do empr\u00e9stimo. N\u00e3o h\u00e1 flutua\u00e7\u00f5es inesperadas no seu pagamento mensal. Ao juntar todos os seus empr\u00e9stimos, ter\u00e1 um plano de reembolso fixo e, claro, o montante exato do seu empr\u00e9stimo.<\/p>\n\n\n\n

5. Para reduzir os seus pagamentos mensais<\/h3>\n\n\n\n

Para al\u00e9m de todas as vantagens acima mencionadas, a consolida\u00e7\u00e3o de cr\u00e9ditos permite-lhe reduzir drasticamente os seus pagamentos mensais. Com uma taxa \u00fanica e uma data de vencimento fixa, o montante ser\u00e1 muito mais baixo do que se reembolsar cada cr\u00e9dito individualmente.<\/p>\n\n\n\n

Consolida\u00e7\u00e3o de cr\u00e9ditos com Lica <\/h2>\n\n\n\n

Com o Lica \u00e9 simples, r\u00e1pido e eficaz! \u00c9 isso mesmo, faz o seu pedido online em menos de 2 minutos e depois as nossas equipas de especialistas tratam do resto. Isto poupa-lhe tempo e dinheiro! <\/p>","protected":false},"excerpt":{"rendered":"

Aujourd\u2019hui, le secteur du cr\u00e9dit occupe une place importante dans presque tous les m\u00e9nages en Suisse. En effet, les particuliers et les entrepreneurs optent pour l’octroi d’un cr\u00e9dit \u00e0 cause des nombreux avantages. Il s\u2019agit, certes, d\u2019une solution avantageuse pour le consommateur, mais le cumul des cr\u00e9dits peut \u00e9galement susciter de nombreux probl\u00e8mes. Dans la […]<\/p>\n","protected":false},"author":8,"featured_media":27960,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[],"class_list":["post-14154","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rachat-de-credit"],"_yoast_wpseo_focuskw":"Regroupement de cr\u00e9dit","_yoast_wpseo_title":"Avec le regroupement de cr\u00e9dit vous \u00e9conomisez des mensualit\u00e9s","_yoast_wpseo_metadesc":"Un regroupement de cr\u00e9dit est la meilleure fa\u00e7on de r\u00e9duire rapidement ses mensualit\u00e9s et d'\u00e9conomiser une somme importante chaque mois.","yoast_head":"\nAvec le regroupement de cr\u00e9dit vous \u00e9conomisez des mensualit\u00e9s<\/title>\n<meta name=\"description\" content=\"Un regroupement de cr\u00e9dit est la meilleure fa\u00e7on de r\u00e9duire rapidement ses mensualit\u00e9s et d'\u00e9conomiser une somme importante 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