{"id":17384,"date":"2025-08-19T10:11:41","date_gmt":"2025-08-19T08:11:41","guid":{"rendered":"https:\/\/lica.ch\/?p=17384"},"modified":"2025-12-10T18:21:44","modified_gmt":"2025-12-10T17:21:44","slug":"calcular-montante-maximo-de-um-credito","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/","title":{"rendered":"Como calcular o montante m\u00e1ximo de um cr\u00e9dito?"},"content":{"rendered":"<p>Os pedidos de empr\u00e9stimos banc\u00e1rios explodiram nos \u00faltimos anos. Os clientes procuram cada vez mais financiar os seus projectos ou regularizar a sua situa\u00e7\u00e3o financeira, optando por <a href=\"https:\/\/www.lica.ch\/pt\/\">cr\u00e9dito privado<\/a>. Perante esta tend\u00eancia, surge frequentemente uma quest\u00e3o: como calcular o montante m\u00e1ximo que se pode pedir emprestado? Eis um m\u00e9todo simples para saber quanto \u00e9 que um banco lhe pode emprestar. Vamos descobrir o processo juntos!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Calcular o montante m\u00e1ximo de cr\u00e9dito: o princ\u00edpio do r\u00e1cio de endividamento<\/h2>\n\n\n\n<p>O c\u00e1lculo da capacidade de endividamento indica a taxa m\u00e1xima que uma fam\u00edlia pode utilizar para pagar os seus empr\u00e9stimos mensais. Esta taxa \u00e9 equivalente a 1\/3 do rendimento do agregado familiar. Este limite tem como objetivo manter um subs\u00eddio de subsist\u00eancia adequado para que as fam\u00edlias possam continuar a <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/solvable\/reduzir-as-despesas-e-otimizar-o-orcamento\/\" target=\"_blank\" rel=\"noreferrer noopener\">fazer face \u00e0s suas despesas quotidianas<\/a>. Regra geral, a capacidade m\u00e1xima de endividamento \u00e9, portanto, igual a 33 % do rendimento do agregado familiar. Isto significa que todos os pagamentos mensais de empr\u00e9stimos n\u00e3o podem totalizar mais de um ter\u00e7o do rendimento. Este limiar de capacidade de endividamento de 33 % corresponde ao n\u00edvel mais elevado de endividamento da maioria das fam\u00edlias. A n\u00e3o ultrapassagem do limite m\u00e1ximo de cr\u00e9dito constitui uma prote\u00e7\u00e3o m\u00fatua entre mutuantes e mutu\u00e1rios.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Primeira etapa do c\u00e1lculo do montante m\u00e1ximo do cr\u00e9dito<\/h2>\n\n\n\n<p>A primeira etapa do c\u00e1lculo consiste em conhecer o saldo mensal do agregado familiar. Para o efeito, aplicamos a seguinte f\u00f3rmula: total dos rendimentos menos total das despesas.<\/p>\n\n\n\n<p>Para calcular o rendimento total, somam-se o sal\u00e1rio do mutu\u00e1rio, os rendimentos secund\u00e1rios, as rendas e todas as outras fontes sustent\u00e1veis de rendimento. O total das despesas inclui todas as despesas que s\u00e3o da responsabilidade do mutu\u00e1rio. Por conseguinte, \u00e9 geralmente inclu\u00eddo um montante fixo para despesas de subsist\u00eancia, renda, seguro de sa\u00fade, despesas m\u00e9dicas, etc. <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal-2\/porque-realizar-uma-consolidacao-de-creditos\/\" target=\"_blank\" rel=\"noreferrer noopener\">presta\u00e7\u00f5es mensais existentes<\/a>, Al\u00e9m disso, o mutu\u00e1rio deve pagar qualquer pens\u00e3o de alimentos, pens\u00e3o de alimentos para os filhos e quaisquer outras despesas dom\u00e9sticas que sejam permanentes.<\/p>\n\n\n\n<p>Em suma, sem arrancar os cabelos, o montante m\u00e1ximo do cr\u00e9dito \u00e9 calculado previamente com base nas informa\u00e7\u00f5es seguintes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Receitas totais ;<\/li>\n\n\n\n<li>E o total de todos os encargos existentes;<\/li>\n<\/ul>\n\n\n\n<p>J\u00e1 vimos como calcular o seu saldo mensal dispon\u00edvel. Passemos agora ao passo seguinte, para calcular com exatid\u00e3o o montante m\u00e1ximo que pode pedir emprestado.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Segunda etapa para conhecer o montante m\u00e1ximo do cr\u00e9dito <\/h2>\n\n\n\n<p>Para saber quanto pode pedir emprestado, basta multiplicar o seu saldo dispon\u00edvel no final do m\u00eas da seguinte forma:<\/p>\n\n\n\n<p>Como vimos anteriormente, para cada agregado familiar, a f\u00f3rmula \u00e9 determinada com base na diferen\u00e7a entre os rendimentos e as despesas. Dito de forma simples : <strong>Receitas - Despesas = Montante que pode ser afetado por m\u00eas ao reembolso de um empr\u00e9stimo.<\/strong> No entanto, existe ainda um limite m\u00e1ximo de cr\u00e9dito que pode ser concedido. Para o saber, basta multiplicar o seu saldo mensal por 32 (saldo mensal x 32).  Eis a f\u00f3rmula completa para calcular o montante m\u00e1ximo de cr\u00e9dito:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>(Total das receitas - Total das despesas) * 32<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>Consequentemente, o montante m\u00e1ximo de cr\u00e9dito concedido ser\u00e1 o saldo mensal dispon\u00edvel do agregado familiar multiplicado por 32.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Segue-se um exemplo num\u00e9rico para o ajudar a compreender como funciona o c\u00e1lculo:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-white-background-color has-background\"><tbody><tr><td><strong>Lista de receitas<\/strong><\/td><td><strong>CHF<\/strong><\/td><td><strong>Lista de despesas<\/strong><\/td><td><strong>CHF<\/strong><\/td><\/tr><tr><td>Rendimento da atividade principal<\/td><td>4\u2019500.-<\/td><td>Taxa mensal para uma pessoa solteira<\/td><td>1\u2019200.-<\/td><\/tr><tr><td>Rendimento da atividade secund\u00e1ria<\/td><td>300.-<\/td><td>Aluguer de habita\u00e7\u00e3o<\/td><td>1\u2019800.-<\/td><\/tr><tr><td>Pens\u00e3o de alimentos recebida<\/td><td>500.-<\/td><td>Pr\u00e9mio de seguro de doen\u00e7a<\/td><td>450.-<\/td><\/tr><tr><td>B\u00f3nus anual mensal<\/td><td>350.-<\/td><td>Loca\u00e7\u00f5es existentes<\/td><td>350.-<\/td><\/tr><tr><td><\/td><td><\/td><td>Imposto<\/td><td>400.-<\/td><\/tr><tr><td><strong>Rendimento total<\/strong><\/td><td><strong>5\u2019650<\/strong>.-<\/td><td><strong>Despesas totais<\/strong><\/td><td><strong>4\u2019200.-<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>O saldo mensal dispon\u00edvel \u00e9 de : CHF 5\u2019650.- - CHF 4\u2019200.- = CHF 1\u2019450.-. Para saber o montante m\u00e1ximo do cr\u00e9dito, basta multiplicar este resultado por 32: CHF 1\u2019450.- * 32 = CHF 46\u2019400.-.<\/p>\n\n\n\n<p>Neste exemplo, o mutu\u00e1rio poder\u00e1 <a href=\"https:\/\/www.lica.ch\/pt\/demande-de-credit-prive-en-ligne\/\">pedir cr\u00e9dito<\/a> m\u00e1ximo de CHF 46.400.  <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1lculo do montante do cr\u00e9dito para empr\u00e9stimos superiores a CHF 80\u2019000.-<\/h2>\n\n\n\n<p>Para montantes superiores a CHF 80\u2019000.-, os bancos j\u00e1 n\u00e3o s\u00e3o obrigados a aplicar <a class=\"lien-blog\" href=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/2002\/593\/fr\" target=\"_blank\" rel=\"noreferrer noopener\">Artigo 28\u00ba da LCC<\/a>. O conte\u00fado deste artigo diz respeito ao montante m\u00e1ximo concedido aquando do c\u00e1lculo do or\u00e7amento. Por conseguinte, os bancos podem conceder cr\u00e9ditos muito para al\u00e9m do montante m\u00e1ximo ligado \u00e0 solvabilidade do mutu\u00e1rio. <\/p>\n\n\n\n<p>A apresenta\u00e7\u00e3o de um pedido de empr\u00e9stimo que ultrapasse a sua capacidade financeira pode dar origem a uma recusa, mesmo que preencha todas as outras condi\u00e7\u00f5es. Embora o artigo 28\u00ba da LCC n\u00e3o seja aplic\u00e1vel, os bancos utilizam os seus pr\u00f3prios c\u00e1lculos para limitar o risco de insolv\u00eancia. \u00c9 por isso que \u00e9 sempre melhor procurar os servi\u00e7os de um intermedi\u00e1rio conhecedor do assunto antes de apresentar o seu pedido. <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/lica\/porque-recorrer-a-um-corretor-de-credito-pessoal\/\" target=\"_blank\" rel=\"noreferrer noopener\">um pedido de financiamento<\/a>. Ele ou ela saber\u00e1 como preparar a sua candidatura para maximizar as suas hip\u00f3teses de ser aceite. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Novos factores entram em jogo no c\u00e1lculo do seu or\u00e7amento!<\/h2>\n\n\n\n<p>Desde 2015, as condi\u00e7\u00f5es de elegibilidade tornaram-se mais rigorosas devido \u00e0 introdu\u00e7\u00e3o de novos par\u00e2metros para o c\u00e1lculo do or\u00e7amento. Estes incluem, por exemplo, as despesas de guarda de crian\u00e7as para as pessoas com filhos a seu cargo, v\u00e1rias despesas de desloca\u00e7\u00e3o, almo\u00e7os, etc. Para al\u00e9m dos crit\u00e9rios acima referidos, desde janeiro de 2016, foi tamb\u00e9m acrescentada uma margem de seguran\u00e7a para antecipar problemas graves que possam afetar a sua sa\u00fade, a sua vida profissional e a sua vida privada. Estes v\u00e1rios factores tornam absolutamente essencial que procure ajuda junto de <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/lica\/vantagens-do-credito-com-a-lica\/\" target=\"_blank\" rel=\"noreferrer noopener\">um corretor de cr\u00e9dito profissional <\/a>quando se candidata a um cr\u00e9dito.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O meu or\u00e7amento \u00e9 bom, mas o banco n\u00e3o me d\u00e1 cr\u00e9dito!<\/h2>\n\n\n\n<p>Por vezes, apesar de um or\u00e7amento excedent\u00e1rio, <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal-2\/principais-razoes-de-um-credito-recusado\/\" target=\"_blank\" rel=\"noreferrer noopener\">os bancos recusam-se a conceder-lhe um empr\u00e9stimo<\/a>. Infelizmente, isto acontece quando n\u00e3o est\u00e3o preenchidos outros crit\u00e9rios. Estes s\u00e3o geralmente os seguintes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tem processos judiciais pendentes e, por conseguinte, um risco elevado de penhora de sal\u00e1rio<\/li>\n\n\n\n<li>As entradas negativas sobre si podem ser vistas em <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/solvable\/apagar-codigo-zek\/\" target=\"_blank\" rel=\"noreferrer noopener\">o ficheiro central ZEK<\/a><\/li>\n\n\n\n<li>Ou foram fornecidas informa\u00e7\u00f5es incorrectas ao banco no momento do pedido<\/li>\n<\/ul>\n\n\n\n<p>Nestas tr\u00eas situa\u00e7\u00f5es, o melhor a fazer \u00e9 suspender todos os pedidos de cr\u00e9dito e contactar o Lica. <a href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal-na-suica\/\">Os nossos especialistas<\/a> analisar\u00e1 a sua situa\u00e7\u00e3o e aconselh\u00e1-lo-\u00e1 sobre a melhor forma de obter financiamento o mais rapidamente poss\u00edvel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A nossa conclus\u00e3o sobre o c\u00e1lculo do montante m\u00e1ximo de cr\u00e9dito<\/h2>\n\n\n\n<p>Uma estimativa r\u00e1pida da sua capacidade de endividamento \u00e9 muito \u00fatil para planear os seus objectivos futuros. Como provavelmente j\u00e1 mostr\u00e1mos neste artigo, a f\u00f3rmula \u00e9 simples, mas requer um bom conhecimento do seu or\u00e7amento. H\u00e1 tamb\u00e9m alguns outros aspectos a ter em conta se quiser <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\">maximizar as suas hip\u00f3teses de obter cr\u00e9dito<\/a> em condi\u00e7\u00f5es favor\u00e1veis.<\/p>\n\n\n\n<p>Apesar da exist\u00eancia de uma f\u00f3rmula simples, \u00e9 aconselh\u00e1vel consultar um intermedi\u00e1rio de qualidade para maximizar as suas hip\u00f3teses de obter financiamento para o seu projeto nas melhores condi\u00e7\u00f5es do mercado.<\/p>\n\n\n\n<p>Agora que sabe exatamente como calcular o montante m\u00e1ximo de cr\u00e9dito, aproveite para falar com os nossos especialistas. Eles gui\u00e1-lo-\u00e3o ao longo do processo de uma forma neutra e confidencial.<\/p>","protected":false},"excerpt":{"rendered":"<p>Les demandes de pr\u00eats bancaires ont explos\u00e9 ces derni\u00e8res ann\u00e9es. Les clients cherchent de plus en plus \u00e0 financer leurs projets ou \u00e0 r\u00e9gulariser leur situation financi\u00e8re en optant pour le cr\u00e9dit priv\u00e9. Face \u00e0 cette tendance, une question revient souvent : comment calculer le montant maximal d\u2019un cr\u00e9dit ? Nous vous proposons une m\u00e9thode [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":27701,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-17384","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-personnel"],"_yoast_wpseo_focuskw":"Montant maximal d\u2019un cr\u00e9dit","_yoast_wpseo_title":"Comment faire pour calculer le montant maximal d\u2019un cr\u00e9dit ?","_yoast_wpseo_metadesc":"Le montant maximal d'un cr\u00e9dit peut se calculer \u00e0 l'avance. On vous explique comment conna\u00eetre le montant de votre cr\u00e9dit avec une formule.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment faire pour calculer le montant maximal d\u2019un cr\u00e9dit ?<\/title>\n<meta name=\"description\" content=\"Le montant maximal d&#039;un cr\u00e9dit peut se calculer \u00e0 l&#039;avance. On vous explique comment conna\u00eetre le montant de votre cr\u00e9dit avec une formule.\" \/>\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.lica.ch\/pt\/credito-pessoal\/calcular-montante-maximo-de-um-credito\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment faire pour calculer le montant maximal d\u2019un cr\u00e9dit ?\" \/>\n<meta property=\"og:description\" content=\"Le montant maximal d&#039;un cr\u00e9dit peut se calculer \u00e0 l&#039;avance. On vous explique comment conna\u00eetre le montant de votre cr\u00e9dit avec une formule.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lica.ch\/pt\/credito-pessoal\/calcular-montante-maximo-de-um-credito\/\" \/>\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=\"2025-08-19T08:11:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-10T17:21:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lica.ch\/wp-content\/uploads\/2024\/02\/Montant-maximal-dun-credit_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=\"writer-login\" \/>\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\\\/credit-personnel\\\/comment-calculer-le-montant-maximal-d-un-credit\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-personnel\\\/comment-calculer-le-montant-maximal-d-un-credit\\\/\"},\"author\":{\"name\":\"writer-login\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/person\\\/43f9fd6c0991b2ea4e0ce88a7472a04c\"},\"headline\":\"Comment calculer le montant maximal d\u2019un cr\u00e9dit ?\",\"datePublished\":\"2025-08-19T08:11:41+00:00\",\"dateModified\":\"2025-12-10T17:21:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-personnel\\\/comment-calculer-le-montant-maximal-d-un-credit\\\/\"},\"wordCount\":1281,\"publisher\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-personnel\\\/comment-calculer-le-montant-maximal-d-un-credit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Montant-maximal-dun-credit_IMA.webp\",\"articleSection\":[\"Cr\u00e9dit personnel\"],\"inLanguage\":\"pt-PT\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-personnel\\\/comment-calculer-le-montant-maximal-d-un-credit\\\/\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/credit-personnel\\\/comment-calculer-le-montant-maximal-d-un-credit\\\/\",\"name\":\"Comment faire pour calculer le montant maximal d\u2019un cr\u00e9dit ?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-personnel\\\/comment-calculer-le-montant-maximal-d-un-credit\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-personnel\\\/comment-calculer-le-montant-maximal-d-un-credit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Montant-maximal-dun-credit_IMA.webp\",\"datePublished\":\"2025-08-19T08:11:41+00:00\",\"dateModified\":\"2025-12-10T17:21:44+00:00\",\"description\":\"Le montant maximal d'un cr\u00e9dit peut se calculer \u00e0 l'avance. On vous explique comment conna\u00eetre le montant de votre cr\u00e9dit avec une formule.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-personnel\\\/comment-calculer-le-montant-maximal-d-un-credit\\\/#breadcrumb\"},\"inLanguage\":\"pt-PT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lica.ch\\\/credit-personnel\\\/comment-calculer-le-montant-maximal-d-un-credit\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-PT\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-personnel\\\/comment-calculer-le-montant-maximal-d-un-credit\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Montant-maximal-dun-credit_IMA.webp\",\"contentUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Montant-maximal-dun-credit_IMA.webp\",\"width\":1000,\"height\":650,\"caption\":\"Montant maximal d\u2019un cr\u00e9dit\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/credit-personnel\\\/comment-calculer-le-montant-maximal-d-un-credit\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.lica.ch\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Comment calculer le montant maximal d\u2019un cr\u00e9dit ?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/\",\"name\":\"Lica\",\"description\":\"Cr\u00e9dit priv\u00e9\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#organization\"},\"alternateName\":\"Lica\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-PT\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#organization\",\"name\":\"Lica\",\"alternateName\":\"Lica\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-PT\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/Logo_Yoast_Jaune_696x696.webp\",\"contentUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/Logo_Yoast_Jaune_696x696.webp\",\"width\":696,\"height\":696,\"caption\":\"Lica\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/lica.suisse\\\/\",\"https:\\\/\\\/ch.linkedin.com\\\/company\\\/lica-cr\u00e9dit\",\"https:\\\/\\\/www.tiktok.com\\\/@lica.ch\",\"https:\\\/\\\/www.instagram.com\\\/licacredit\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/person\\\/43f9fd6c0991b2ea4e0ce88a7472a04c\",\"name\":\"writer-login\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-PT\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d4854fc4223da2b976f9705ce04407a3e99c4bf956d6190ffef0815d95f87bef?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d4854fc4223da2b976f9705ce04407a3e99c4bf956d6190ffef0815d95f87bef?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d4854fc4223da2b976f9705ce04407a3e99c4bf956d6190ffef0815d95f87bef?s=96&d=mm&r=g\",\"caption\":\"writer-login\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Como calcular o montante m\u00e1ximo de um cr\u00e9dito?","description":"O montante m\u00e1ximo de um cr\u00e9dito pode ser calculado antecipadamente. Explicamos-lhe como determin\u00e1-lo com uma f\u00f3rmula simples.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.lica.ch\/pt\/credito-pessoal\/calcular-montante-maximo-de-um-credito\/","og_locale":"pt_PT","og_type":"article","og_title":"Comment faire pour calculer le montant maximal d\u2019un cr\u00e9dit ?","og_description":"Le montant maximal d'un cr\u00e9dit peut se calculer \u00e0 l'avance. On vous explique comment conna\u00eetre le montant de votre cr\u00e9dit avec une formule.","og_url":"https:\/\/www.lica.ch\/pt\/credito-pessoal\/calcular-montante-maximo-de-um-credito\/","og_site_name":"Lica cr\u00e9dit priv\u00e9","article_publisher":"https:\/\/www.facebook.com\/lica.suisse\/","article_published_time":"2025-08-19T08:11:41+00:00","article_modified_time":"2025-12-10T17:21:44+00:00","og_image":[{"width":1000,"height":650,"url":"https:\/\/www.lica.ch\/wp-content\/uploads\/2024\/02\/Montant-maximal-dun-credit_IMA.webp","type":"image\/webp"}],"author":"writer-login","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/#article","isPartOf":{"@id":"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/"},"author":{"name":"writer-login","@id":"https:\/\/www.lica.ch\/en\/#\/schema\/person\/43f9fd6c0991b2ea4e0ce88a7472a04c"},"headline":"Comment calculer le montant maximal d\u2019un cr\u00e9dit ?","datePublished":"2025-08-19T08:11:41+00:00","dateModified":"2025-12-10T17:21:44+00:00","mainEntityOfPage":{"@id":"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/"},"wordCount":1281,"publisher":{"@id":"https:\/\/www.lica.ch\/en\/#organization"},"image":{"@id":"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2024\/02\/Montant-maximal-dun-credit_IMA.webp","articleSection":["Cr\u00e9dit personnel"],"inLanguage":"pt-PT"},{"@type":"WebPage","@id":"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/","url":"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/","name":"Como calcular o montante m\u00e1ximo de um cr\u00e9dito?","isPartOf":{"@id":"https:\/\/www.lica.ch\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/#primaryimage"},"image":{"@id":"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2024\/02\/Montant-maximal-dun-credit_IMA.webp","datePublished":"2025-08-19T08:11:41+00:00","dateModified":"2025-12-10T17:21:44+00:00","description":"O montante m\u00e1ximo de um cr\u00e9dito pode ser calculado antecipadamente. Explicamos-lhe como determin\u00e1-lo com uma f\u00f3rmula simples.","breadcrumb":{"@id":"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/#breadcrumb"},"inLanguage":"pt-PT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/"]}]},{"@type":"ImageObject","inLanguage":"pt-PT","@id":"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/#primaryimage","url":"https:\/\/www.lica.ch\/wp-content\/uploads\/2024\/02\/Montant-maximal-dun-credit_IMA.webp","contentUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2024\/02\/Montant-maximal-dun-credit_IMA.webp","width":1000,"height":650,"caption":"Montant maximal d\u2019un cr\u00e9dit"},{"@type":"BreadcrumbList","@id":"https:\/\/www.lica.ch\/credit-personnel\/comment-calculer-le-montant-maximal-d-un-credit\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.lica.ch\/"},{"@type":"ListItem","position":2,"name":"Comment calculer le montant maximal d\u2019un cr\u00e9dit ?"}]},{"@type":"WebSite","@id":"https:\/\/www.lica.ch\/en\/#website","url":"https:\/\/www.lica.ch\/en\/","name":"Lica","description":"Cr\u00e9dito pessoal","publisher":{"@id":"https:\/\/www.lica.ch\/en\/#organization"},"alternateName":"Lica","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.lica.ch\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-PT"},{"@type":"Organization","@id":"https:\/\/www.lica.ch\/en\/#organization","name":"Lica","alternateName":"Lica","url":"https:\/\/www.lica.ch\/en\/","logo":{"@type":"ImageObject","inLanguage":"pt-PT","@id":"https:\/\/www.lica.ch\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.lica.ch\/wp-content\/uploads\/2025\/10\/Logo_Yoast_Jaune_696x696.webp","contentUrl":"https:\/\/www.lica.ch\/wp-content\/uploads\/2025\/10\/Logo_Yoast_Jaune_696x696.webp","width":696,"height":696,"caption":"Lica"},"image":{"@id":"https:\/\/www.lica.ch\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/lica.suisse\/","https:\/\/ch.linkedin.com\/company\/lica-cr\u00e9dit","https:\/\/www.tiktok.com\/@lica.ch","https:\/\/www.instagram.com\/licacredit\/"]},{"@type":"Person","@id":"https:\/\/www.lica.ch\/en\/#\/schema\/person\/43f9fd6c0991b2ea4e0ce88a7472a04c","name":"login do escritor","image":{"@type":"ImageObject","inLanguage":"pt-PT","@id":"https:\/\/secure.gravatar.com\/avatar\/d4854fc4223da2b976f9705ce04407a3e99c4bf956d6190ffef0815d95f87bef?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d4854fc4223da2b976f9705ce04407a3e99c4bf956d6190ffef0815d95f87bef?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d4854fc4223da2b976f9705ce04407a3e99c4bf956d6190ffef0815d95f87bef?s=96&d=mm&r=g","caption":"writer-login"}}]}},"_links":{"self":[{"href":"https:\/\/www.lica.ch\/pt\/wp-json\/wp\/v2\/posts\/17384","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lica.ch\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lica.ch\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lica.ch\/pt\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lica.ch\/pt\/wp-json\/wp\/v2\/comments?post=17384"}],"version-history":[{"count":0,"href":"https:\/\/www.lica.ch\/pt\/wp-json\/wp\/v2\/posts\/17384\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lica.ch\/pt\/wp-json\/wp\/v2\/media\/27701"}],"wp:attachment":[{"href":"https:\/\/www.lica.ch\/pt\/wp-json\/wp\/v2\/media?parent=17384"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lica.ch\/pt\/wp-json\/wp\/v2\/categories?post=17384"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lica.ch\/pt\/wp-json\/wp\/v2\/tags?post=17384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}