{"id":16169,"date":"2023-11-20T14:44:02","date_gmt":"2023-11-20T12:44:02","guid":{"rendered":"https:\/\/lica.ch\/?p=16169"},"modified":"2026-06-09T21:45:15","modified_gmt":"2026-06-09T20:45:15","slug":"escolher-entre-leasing-e-credito","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/credit-auto\/choisir-entre-un-leasing-ou-un-credit\/","title":{"rendered":"Como escolher entre leasing e cr\u00e9dito?"},"content":{"rendered":"

Sonha em conduzir um belo carro novo? No entanto, como muitas pessoas, o seu or\u00e7amento n\u00e3o lhe permite comprar um ve\u00edculo sem financiamento. Al\u00e9m disso, quando se trata de escolher entre o leasing e o cr\u00e9dito, n\u00e3o tem necessariamente a certeza de qual \u00e9 a melhor solu\u00e7\u00e3o para si!<\/p>\n\n\n\n

A verdade \u00e9 que ambas as solu\u00e7\u00f5es de financiamento t\u00eam as suas vantagens e desvantagens. Neste novo artigo, damos-lhe alguns bons conselhos sobre como evitar perdas financeiras. Boa leitura!<\/p>\n\n\n\n

As diferen\u00e7as fundamentais entre o leasing e o cr\u00e9dito<\/h2>\n\n\n\n

Leasing :<\/h3>\n\n\n\n

Um contrato de loca\u00e7\u00e3o financeira \u00e9, de facto, uma loca\u00e7\u00e3o com op\u00e7\u00e3o de compra. Por conseguinte, envolve tr\u00eas partes: <\/p>\n\n\n\n

    \n
  1. um comerciante ;<\/li>\n\n\n\n
  2. uma sociedade de loca\u00e7\u00e3o financeira ;<\/li>\n\n\n\n
  3. e tu!<\/li>\n<\/ol>\n\n\n\n

    Ao contr\u00e1rio do cr\u00e9dito pessoal<\/a> N\u00e3o \u00e9 propriet\u00e1rio do ve\u00edculo durante o per\u00edodo de loca\u00e7\u00e3o financeira. Paga uma renda mensal fixa ao seu propriet\u00e1rio, a empresa de loca\u00e7\u00e3o financeira, durante o per\u00edodo de loca\u00e7\u00e3o. No final do contrato, pode comprar o autom\u00f3vel usado pagando o seu valor residual. Devido ao seu modo de funcionamento, o leasing oferece geralmente melhores taxas do que o cr\u00e9dito.<\/p>\n\n\n\n

    E cr\u00e9dito :<\/h3>\n\n\n\n

    O cr\u00e9dito privado \u00e9 um empr\u00e9stimo contra\u00eddo junto de um organismo financeiro terceiro. Depois de receber os fundos, pode utiliz\u00e1-los livremente para comprar o ve\u00edculo que desejar! Enquanto mutu\u00e1rio, deve reembolsar o montante total \u00e0 institui\u00e7\u00e3o de cr\u00e9dito em datas fixas. Com o cr\u00e9dito privado, o seu ve\u00edculo pertence-lhe, pelo que \u00e9 livre de fazer o que quiser com ele! A taxa de juro ser\u00e1 superior ou inferior<\/a> em fun\u00e7\u00e3o da sua situa\u00e7\u00e3o e das ofertas que obtiver.<\/p>\n\n\n\n

    Qual \u00e9 o mais barato dos dois?<\/h2>\n\n\n\n

    Se olharmos apenas para os n\u00fameros, os custos de aluguer s\u00e3o significativamente mais baixos<\/strong> em rela\u00e7\u00e3o ao cr\u00e9dito ao consumo. A explica\u00e7\u00e3o para este facto \u00e9 bastante simples e reside unicamente nas taxas de juro mais baixas do leasing. Uma vez que a empresa de leasing continua a ser a \u00fanica propriet\u00e1ria do ve\u00edculo, pode pagar uma taxa de juro mais baixa devido ao menor risco de perder os fundos. <\/p>\n\n\n\n

    Por conseguinte, a empresa de loca\u00e7\u00e3o financeira penhorar\u00e1 o seu autom\u00f3vel, indicando no documento de registo autom\u00f3vel que \u00e9 a propriet\u00e1ria do ve\u00edculo. Esta indica\u00e7\u00e3o \u00e9 conhecida como \u00ab\u00a0c\u00f3digo 178<\/a>\u00a0\u00bbPode estar na origem de uma s\u00e9rie de problemas, como demonstrado por este artigo do 20 minutes<\/a>.<\/p>\n\n\n\n

    Sim, mas o cr\u00e9dito privado oferece muitas vantagens!<\/h3>\n\n\n\n

    Isto \u00e9 verdade e, al\u00e9m disso, a diferen\u00e7a de custos a favor do leasing continua a ser relativamente pequena, sobretudo quando comparada com as v\u00e1rias vantagens do cr\u00e9dito privado.<\/p>\n\n\n\n

      \n
    1. \u00c9 o propriet\u00e1rio do ve\u00edculo, pelo que pode fazer o que quiser com ele. N\u00e3o precisa de esperar ou negociar com a empresa de leasing para se desfazer do ve\u00edculo! Atualmente, os contratos de leasing s\u00e3o muitas vezes celebrados por um per\u00edodo de 4 anos. Durante este longo per\u00edodo, muitas coisas podem acontecer que o obriguem a mudar de carro, por exemplo.<\/li>\n\n\n\n
    2. Com um contrato de leasing, tem de comprar o seu ve\u00edculo de volta em dinheiro no final do contrato. A oferta de leasing era muito tentadora, mas infelizmente n\u00e3o prestou aten\u00e7\u00e3o ao pre\u00e7o a pagar no final do contrato. Dependendo das presta\u00e7\u00f5es mensais calculadas e do n\u00famero de quil\u00f3metros percorridos, o pre\u00e7o final a pagar para comprar o seu ve\u00edculo pode ser muito elevado!<\/li>\n\n\n\n
    3. Com um cr\u00e9dito privado, n\u00e3o tem de se preocupar com o n\u00famero de quil\u00f3metros percorridos. E sim, o leasing tamb\u00e9m significa que o n\u00famero de quil\u00f3metros percorridos por ano \u00e9 limitado. Se, no final do contrato de leasing, tiver excedido a sua quilometragem, ter\u00e1 de a pagar. O pre\u00e7o por quil\u00f3metro excedido pode variar entre 3 e 12 cts, consoante a marca e as condi\u00e7\u00f5es do seu contrato. Supondo uma ultrapassagem de 30.000 quil\u00f3metros, a fatura adicional final pode variar entre CHF 900.- e 4\u2019500.-.<\/li>\n<\/ol>\n\n\n\n

      Em poucas palavras, cr\u00e9dito<\/a> \u00e9, portanto, um pouco mais caro, mas em contrapartida oferece-lhe mais liberdade e maior seguran\u00e7a financeira!<\/p>\n\n\n\n

      Compara\u00e7\u00e3o entre cr\u00e9dito e leasing<\/h2>\n\n\n\n

      Segue-se um quadro que resume as vantagens e desvantagens destas duas solu\u00e7\u00f5es de financiamento. <\/p>\n\n\n\n

      Carater\u00edsticas especiais <\/th>Leasing<\/th>Cr\u00e9dito<\/th><\/tr><\/thead>
      Propriedade do ve\u00edculo<\/td>A empresa de leasing<\/td>Tu \u00e9s o tal!<\/strong><\/td><\/tr>
      Quil\u00f3metros<\/td>Limitada<\/td>Ilimitado<\/strong><\/mark><\/td><\/tr>
      Revenda do ve\u00edculo<\/td>Dif\u00edcil de negociar<\/td>Liberdade total<\/strong><\/mark><\/td><\/tr>
      Valor residual<\/td>O ve\u00edculo deve ser readquirido<\/td>N\u00e3o existe<\/strong><\/td><\/tr>
      Taxas de juro<\/td>Varia de 0% a 5%<\/strong><\/td>Varia de 3.9% a 9%<\/td><\/tr>
      Poupan\u00e7a fiscal<\/td>Os juros n\u00e3o s\u00e3o dedut\u00edveis<\/td>Os juros s\u00e3o dedut\u00edveis<\/strong><\/td><\/tr>
      O ano do ve\u00edculo<\/td>O ve\u00edculo n\u00e3o deve ter mais de 5 anos<\/td>\u00c9 livre de escolher<\/strong><\/td><\/tr>
      Dep\u00f3sito de compra do ve\u00edculo<\/td>\u00c9 necess\u00e1rio efetuar um dep\u00f3sito<\/td>N\u00e3o \u00e9 necess\u00e1rio dep\u00f3sito<\/strong><\/td><\/tr>
      Desgaste e manuten\u00e7\u00e3o do ve\u00edculo<\/td>Mantenha o seu ve\u00edculo impec\u00e1vel<\/td>A escolha \u00e9 sua!<\/strong><\/td><\/tr>
      Seguros<\/td>O seguro de colis\u00e3o \u00e9 obrigat\u00f3rio<\/td>Nenhuma obriga\u00e7\u00e3o para al\u00e9m do seguro de responsabilidade civil<\/strong><\/mark><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

      Apesar da atra\u00e7\u00e3o financeira do leasing, este imp\u00f5e ainda muitas restri\u00e7\u00f5es! O cr\u00e9dito \u00e9, portanto, um pouco mais caro, mas oferece muito mais vantagens!<\/p>\n\n\n\n

      A nossa conclus\u00e3o sobre a escolha entre loca\u00e7\u00e3o financeira e cr\u00e9dito <\/h2>\n\n\n\n

      Como j\u00e1 deve ter reparado, o cr\u00e9dito privado continua a ser mais vantajoso! No entanto, apesar dos condicionalismos, o leasing tamb\u00e9m pode ser interessante nos seguintes casos:<\/p>\n\n\n\n

        \n
      1. Se for uma empresa ou um trabalhador independente, os pagamentos mensais tamb\u00e9m s\u00e3o dedut\u00edveis; ;<\/li>\n\n\n\n
      2. Se tiver a certeza absoluta de que n\u00e3o ir\u00e1 exceder o limite de quilometragem ;<\/li>\n\n\n\n
      3. E, por \u00faltimo, se procura um ve\u00edculo novo e uma loca\u00e7\u00e3o financeira se adequa perfeitamente \u00e0s suas necessidades. <\/li>\n<\/ol>\n\n\n\n

        Caso contr\u00e1rio, optar\u00e1 certamente pela solu\u00e7\u00e3o de cr\u00e9dito para financiar o seu novo autom\u00f3vel! Se tem atualmente um contrato de leasing, saiba tamb\u00e9m que pode sempre comprar o seu aluguer <\/a> a utiliza\u00e7\u00e3o do cr\u00e9dito. Este \u00e9 gratuito, pelo que n\u00e3o ter\u00e1 de pagar um montante elevado no final do seu contrato de aluguer.<\/p>\n\n\n\n

        Agora que j\u00e1 conhece bem as diferen\u00e7as entre leasing e cr\u00e9dito, aproveite para perguntar aos nossos especialistas qual a melhor solu\u00e7\u00e3o. Pode sempre contar com o apoio confidencial da Lica durante todo o processo. <\/p>","protected":false},"excerpt":{"rendered":"

        R\u00eavez-vous de rouler dans une belle voiture toute neuve ? Cependant, comme de nombreuses personnes, votre budget ne vous permet pas d’acheter un v\u00e9hicule sans b\u00e9n\u00e9ficier d’un financement. D\u2019ailleurs, au moment de choisir entre un leasing ou un cr\u00e9dit, vous ne savez pas forcement quelle est la meilleure solution pour vous ! \u00c0 vrai dire, […]<\/p>\n","protected":false},"author":11,"featured_media":27883,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[],"class_list":["post-16169","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-auto"],"_yoast_wpseo_focuskw":"Leasing ou cr\u00e9dit","_yoast_wpseo_title":"Leasing ou cr\u00e9dit priv\u00e9 ? On vous explique lequel choisir","_yoast_wpseo_metadesc":"Choisir entre un leasing ou un cr\u00e9dit priv\u00e9 n'est pas facile ? 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