{"id":16247,"date":"2024-01-15T14:17:54","date_gmt":"2024-01-15T12:17:54","guid":{"rendered":"https:\/\/lica.ch\/?p=16247"},"modified":"2026-06-09T21:37:37","modified_gmt":"2026-06-09T20:37:37","slug":"porque-recorrer-a-um-corretor-de-credito-pessoal","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/lica\/pourquoi-solliciter-un-courtier-en-credit-prive\/","title":{"rendered":"Por que recorrer a um intermedi\u00e1rio de cr\u00e9dito pessoal?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Precisa de dinheiro para concluir um projeto? Ou talvez precise urgentemente de fundos para resolver uma situa\u00e7\u00e3o financeira? Como muitas pessoas, vai \u00e0 Internet e escreve \u00ab\u00a0<a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/tous-les-articles\/cashback-partilha-de-comissao\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cr\u00e9dito pessoal<\/a>\u00ab . E os resultados da sua pesquisa mostram uma multiplicidade de ofertas, cada uma mais atractiva do que a outra. Mas como \u00e9 que se pode escolher a solu\u00e7\u00e3o certa? Que prazo escolher? Qual ser\u00e1 a taxa de juro? Quais s\u00e3o os reembolsos e as condi\u00e7\u00f5es de pagamento? Em suma, encontrar o melhor neg\u00f3cio n\u00e3o \u00e9 tarefa f\u00e1cil! Neste novo artigo, explicamos-lhe porque \u00e9 que deve recorrer aos servi\u00e7os de um corretor de cr\u00e9dito privado independente para obter o seu financiamento.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O que faz um corretor de cr\u00e9dito privado?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Em suma, o corretor de cr\u00e9dito privado \u00e9 a pessoa que o representa junto das institui\u00e7\u00f5es de cr\u00e9dito. Ele assegura o bom desenrolar do seu pedido de empr\u00e9stimo pessoal. O seu papel consiste em aconselh\u00e1-lo sobre os tipos de cr\u00e9dito dispon\u00edveis, os bancos a escolher e comparar as melhores ofertas para si.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Al\u00e9m disso, executa as seguintes tarefas em seu nome:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>o corretor de cr\u00e9dito prepara o seu dossier de candidatura em conformidade com as regras de aceita\u00e7\u00e3o; ;<\/li>\n\n\n\n<li>verifica ent\u00e3o <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal-2\/o-seu-credito-pessoal-com-a-melhor-taxa-da-suica\/\" target=\"_blank\" rel=\"noreferrer noopener\">a qualidade do seu ficheiro<\/a> e garante que \u00e9 selecionado; ;<\/li>\n\n\n\n<li>Uma vez efectuados os controlos, apresenta o seu pedido \u00e0s diferentes organiza\u00e7\u00f5es; ;<\/li>\n\n\n\n<li>Em seguida, compara as propostas de financiamento recebidas e apresenta-lhe um resumo; ;<\/li>\n\n\n\n<li>Se necess\u00e1rio, negociar\u00e1 as condi\u00e7\u00f5es do empr\u00e9stimo de acordo com os seus crit\u00e9rios e necessidades; ;<\/li>\n\n\n\n<li>e, por \u00faltimo, uma vez assinada a proposta escolhida, assegura o pagamento atempado.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Durante todo o processo, o corretor de cr\u00e9dito privado inform\u00e1-lo-\u00e1 regularmente sobre o estado do seu pedido.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">As vantagens de consultar um corretor de cr\u00e9dito privado<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A procura de financiamento \u00e9 tudo menos uma formalidade. Por isso, h\u00e1 todas as raz\u00f5es para os mutu\u00e1rios recorrerem a um servi\u00e7o de media\u00e7\u00e3o de cr\u00e9dito. De facto, a consulta de um intermedi\u00e1rio tem v\u00e1rias vantagens significativas:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ofertas de financiamento<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Os corretores de cr\u00e9dito privados podem oferecer-lhe uma gama de ofertas atractivas, a come\u00e7ar por <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal-2\/criterios-que-determinam-a-taxa-de-juros-do-seu-credito\/\" target=\"_blank\" rel=\"noreferrer noopener\">a melhor taxa de juro<\/a>. Esta \u00e9 a preocupa\u00e7\u00e3o n\u00famero um de todos os mutu\u00e1rios, porque \u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O pagamento mensal<\/li>\n\n\n\n<li>O custo total do empr\u00e9stimo<\/li>\n\n\n\n<li>Per\u00edodo de reembolso<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ter uma taxa de cr\u00e9dito baixa significa fazer poupan\u00e7as, ganhar dinheiro de certa forma.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A neutralidade do corretor de cr\u00e9dito privado<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Para al\u00e9m das ofertas, h\u00e1 outra grande vantagem em recorrer a um corretor: a neutralidade. Ao contr\u00e1rio de um banqueiro, este profissional n\u00e3o est\u00e1 ligado a nenhuma institui\u00e7\u00e3o banc\u00e1ria. Por conseguinte, actua no seu melhor interesse, ajudando-o a obter a melhor taxa e o melhor financiamento.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para o efeito, o corretor de cr\u00e9dito privado utiliza a concorr\u00eancia para melhorar os seguintes elementos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O montante do cr\u00e9dito concedido<\/li>\n\n\n\n<li>A taxa de juro a conceder<\/li>\n\n\n\n<li>Os prazos mais longos poss\u00edveis<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">E, finalmente, a sua efic\u00e1cia<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Deve consultar uma sociedade de corretagem, porque o corretor \u00e9 um especialista em cr\u00e9dito e em recompra de empr\u00e9stimos. Por outras palavras, tem todos os conhecimentos necess\u00e1rios para o orientar no processo de obten\u00e7\u00e3o de um empr\u00e9stimo. A contrata\u00e7\u00e3o de um intermedi\u00e1rio permite-lhe poupar tempo. E n\u00e3o se esque\u00e7a que o intermedi\u00e1rio vai visitar todos os bancos em seu nome. Ele tamb\u00e9m responde a todas as suas perguntas, mesmo as relacionadas com <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/dividas-2\/7-formas-eficazes-de-pagar-dividas\/\" target=\"_blank\" rel=\"noreferrer noopener\">endividamento<\/a> ou para <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal-2\/como-funciona-a-fiscalidade-do-credito-pessoal-na-suica\/\" target=\"_blank\" rel=\"noreferrer noopener\">tributa\u00e7\u00e3o do seu empr\u00e9stimo<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Como \u00e9 que escolhe o seu corretor?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Existem muitas empresas de cr\u00e9dito no mercado su\u00ed\u00e7o, e o mesmo acontece com os corretores de cr\u00e9dito privados. Por conseguinte, a escolha do corretor certo \u00e9 tamb\u00e9m um fator crucial antes de apresentar o seu pedido. Para ter a certeza de que utiliza o prestador de servi\u00e7os correto, eis as nossas recomenda\u00e7\u00f5es:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Certifique-se de que tem boas cr\u00edticas sobre a empresa.<\/strong> Uma simples verifica\u00e7\u00e3o do <a class=\"lien-blog\" href=\"https:\/\/www.google.com\/maps\/place\/Lica\/@46.4651195,6.8397549,17z\/data=!3m1!4b1!4m5!3m4!1s0x0:0x4e8a0be518bb082f!8m2!3d46.4651195!4d6.8397549\" target=\"_blank\" rel=\"noreferrer noopener\">Ficha Google<\/a> deve ser o suficiente. Se o feedback for bom, esse \u00e9 o primeiro sinal de que est\u00e1 a lidar com uma empresa s\u00e9ria.   <\/li>\n\n\n\n<li><strong>Verificar se o corretor est\u00e1 autorizado a exercer a sua atividade.<\/strong> Na Su\u00ed\u00e7a, os corretores de cr\u00e9dito privados necessitam de uma autoriza\u00e7\u00e3o cantonal. Se necess\u00e1rio, pe\u00e7a autoriza\u00e7\u00e3o ao seu contacto.<\/li>\n\n\n\n<li><strong>Os pequenos extras da corretora. <\/strong> Num mercado competitivo, as empresas de corretagem est\u00e3o a intensificar os seus esfor\u00e7os para oferecer aos clientes servi\u00e7os adicionais. Na Lica, por exemplo, oferecemos um <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/tous-les-articles\/cashback-partilha-de-comissao\/\" target=\"_blank\" rel=\"noreferrer noopener\">cashback<\/a> na nossa comiss\u00e3o para vos dar mais dinheiro.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Como j\u00e1 deve ter percebido, fazer uma breve compara\u00e7\u00e3o das ofertas adicionais dispon\u00edveis antes de escolher o seu corretor de cr\u00e9dito privado \u00e9 uma excelente forma de garantir o melhor servi\u00e7o!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A nossa conclus\u00e3o sobre os corretores de cr\u00e9dito privados<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Recorrer a um corretor de cr\u00e9dito privado \u00e9 certamente a melhor forma de obter financiamento a tempo e em condi\u00e7\u00f5es favor\u00e1veis. Embora existam muitos fornecedores, com o poder da Internet, pode facilmente escolher o melhor corretor de cr\u00e9dito. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neste contexto, o Lica esfor\u00e7a-se por lhe dar conselhos neutros e por realizar um trabalho da mais elevada qualidade.  No entanto, outros prestadores de servi\u00e7os tamb\u00e9m fazem um excelente trabalho e podem ser uma alternativa igualmente interessante ao trabalho com o Lica.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Agora que sabe exatamente o que est\u00e1 envolvido na escolha do seu corretor de cr\u00e9dito privado, aproveite para falar com os nossos especialistas. Eles gui\u00e1-lo-\u00e3o ao longo de todo o processo de uma forma neutra e confidencial.<\/p>","protected":false},"excerpt":{"rendered":"<p>Vous souhaitez obtenir des liquidit\u00e9s pour concr\u00e9tiser un projet ? Ou peut-\u00eatre avez-vous urgemment besoin de fonds pour r\u00e9soudre une situation financi\u00e8re ? Comme beaucoup de personnes, vous vous rendez donc sur internet et tapez \u00ab\u00a0Cr\u00e9dit priv\u00e9\u00ab\u00a0. Et l\u00e0, le r\u00e9sultat de votre recherche affiche une multitude d&rsquo;offres plus attirantes les unes que les autres. [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":27877,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"class_list":["post-16247","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lica"],"_yoast_wpseo_focuskw":"Courtier en cr\u00e9dit priv\u00e9","_yoast_wpseo_title":"Courtier en cr\u00e9dit priv\u00e9 - Bien le choisir et obtenir votre cr\u00e9dit !","_yoast_wpseo_metadesc":"Choisir son courtier en cr\u00e9dit priv\u00e9 n'est pas facile avec la concurrence sur ce secteur. Lica vous donne les cl\u00e9s pour bien le choisir.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Courtier en cr\u00e9dit priv\u00e9 - Bien le choisir et obtenir votre cr\u00e9dit !<\/title>\n<meta name=\"description\" content=\"Choisir son courtier en cr\u00e9dit priv\u00e9 n&#039;est pas facile avec la concurrence sur ce secteur. 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Lica vous donne les cl\u00e9s pour bien le choisir.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lica.ch\/pt\/lica\/porque-recorrer-a-um-corretor-de-credito-pessoal\/\" \/>\n<meta property=\"og:site_name\" content=\"Lica cr\u00e9dit priv\u00e9\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/lica.suisse\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-01-15T12:17:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-09T20:37:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lica.ch\/wp-content\/uploads\/2022\/03\/Courtier-en-credit-prive_IMA.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Manuel Ognissanti\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/lica\\\/pourquoi-solliciter-un-courtier-en-credit-prive\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/lica\\\/pourquoi-solliciter-un-courtier-en-credit-prive\\\/\"},\"author\":{\"name\":\"Manuel Ognissanti\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/person\\\/0e4c27387da111c483379d04ac44e092\"},\"headline\":\"Pourquoi solliciter un courtier en cr\u00e9dit priv\u00e9 ?\",\"datePublished\":\"2024-01-15T12:17:54+00:00\",\"dateModified\":\"2026-06-09T20:37:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/lica\\\/pourquoi-solliciter-un-courtier-en-credit-prive\\\/\"},\"wordCount\":1022,\"publisher\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/lica\\\/pourquoi-solliciter-un-courtier-en-credit-prive\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/Courtier-en-credit-prive_IMA.webp\",\"articleSection\":[\"Lica\"],\"inLanguage\":\"pt-PT\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/lica\\\/pourquoi-solliciter-un-courtier-en-credit-prive\\\/\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/lica\\\/pourquoi-solliciter-un-courtier-en-credit-prive\\\/\",\"name\":\"Courtier en cr\u00e9dit priv\u00e9 - Bien le choisir et obtenir votre cr\u00e9dit !\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/lica\\\/pourquoi-solliciter-un-courtier-en-credit-prive\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/lica\\\/pourquoi-solliciter-un-courtier-en-credit-prive\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/Courtier-en-credit-prive_IMA.webp\",\"datePublished\":\"2024-01-15T12:17:54+00:00\",\"dateModified\":\"2026-06-09T20:37:37+00:00\",\"description\":\"Choisir son courtier en cr\u00e9dit priv\u00e9 n'est pas facile avec la concurrence sur ce secteur. 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