{"id":5810,"date":"2023-10-20T17:26:00","date_gmt":"2023-10-20T15:26:00","guid":{"rendered":"https:\/\/test.lica.ch\/?p=5810"},"modified":"2026-08-10T15:58:24","modified_gmt":"2026-08-10T14:58:24","slug":"credito-para-reformados-avs-e-ai","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/credit-rentier\/credit-pour-les-rentiers-avs-et-ai\/","title":{"rendered":"O cr\u00e9dito pessoal para pensionistas AVS e AI"},"content":{"rendered":"<h2 id=\"viewer-52egu\" class=\"wp-block-heading\">\u00c9 titular de uma pens\u00e3o AVS ou AVI?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-5cl6a\">A AVS e o AI s\u00e3o os dois prestadores do primeiro pilar. O seguro de velhice e sobreviv\u00eancia (<a href=\"https:\/\/www.ahv-iv.ch\/fr\/assurances-sociales\/assurance-vieillesse-et-survivants-avs\" data-type=\"link\" data-id=\"https:\/\/www.ahv-iv.ch\/fr\/assurances-sociales\/assurance-vieillesse-et-survivants-avs\" target=\"_blank\" rel=\"noreferrer noopener\">AVS<\/a>) paga pens\u00f5es aos reformados e pens\u00f5es de viuvez e de \u00f3rf\u00e3os aos sobreviventes. Enquanto o seguro de invalidez (<a href=\"https:\/\/www.ahv-iv.ch\/fr\/assurances-sociales\/assurance-invalidit%C3%A9-ai\" data-type=\"link\" data-id=\"https:\/\/www.ahv-iv.ch\/fr\/assurances-sociales\/assurance-invalidit%C3%A9-ai\" target=\"_blank\" rel=\"noreferrer noopener\">IA<\/a>), ela atribui presta\u00e7\u00f5es (pens\u00f5es) \u00e0s pessoas que s\u00e3o inv\u00e1lidas. Vamos ent\u00e3o ver como estes tr\u00eas tipos de benefici\u00e1rios podem beneficiar de um financiamento quando realmente precisam dele.<\/p>\n\n\n\n<h2 id=\"viewer-p87s\" class=\"wp-block-heading\">Quais s\u00e3o as condi\u00e7\u00f5es para obter um cr\u00e9dito privado?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-7srk6\">Mesmo que seja poss\u00edvel<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-brand-color\"> <\/mark>a<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-brand-color\"> <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/demande-de-credit-prive-en-ligne\/\" target=\"_blank\" rel=\"noreferrer noopener\">pedido de empr\u00e9stimo pessoal<\/a> <\/mark>se for titular de uma pens\u00e3o AVS\/AI, nem todos os bancos aceitar\u00e3o o seu pedido. Para que o seu pedido seja aceite por um banco, ter\u00e1 de preencher as seguintes condi\u00e7\u00f5es<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>As suas presta\u00e7\u00f5es do AVS ou do AI, as suas pens\u00f5es do segundo pilar e qualquer outra eventual fonte de rendimento (excluindo as presta\u00e7\u00f5es complementares) ascendem, no total, a, pelo menos, CHF 3\u2019000.- por m\u00eas.<\/li>\n\n\n\n<li>Tem menos de 65 anos no momento da celebra\u00e7\u00e3o do contrato.<\/li>\n\n\n\n<li>N\u00e3o tem <a href=\"https:\/\/www.lica.ch\/pt\/solvabilidade\/funcionamento-dos-processos-de-execucao-na-suica\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/solvabilite\/fonctionnement-des-poursuites-en-suisse\/\">ac\u00e7\u00f5es judiciais<\/a> em curso (incluindo atestados de insufici\u00eancia de bens).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Com o Lica, tem todas as hip\u00f3teses de obter um cr\u00e9dito em condi\u00e7\u00f5es muito vantajosas <a href=\"https:\/\/www.lica.ch\/pt\/credito-pensionista\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-rentier\/\">sendo rentista<\/a>. Aproveite para fazer o seu pedido gratuitamente e sem compromisso. Juntos encontraremos uma solu\u00e7\u00e3o para lhe obter o financiamento pretendido.<\/p>\n\n\n\n<h2 id=\"viewer-56i6b\" class=\"wp-block-heading\">Taxas de juro para reformados<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-3gbre\">Para as pessoas benefici\u00e1rias de uma renda, as taxas de juro para <a href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-personnel\/\">os empr\u00e9stimos pessoais<\/a> variam, em geral, entre 5,9% e 9,9%. A taxa depender\u00e1 principalmente da situa\u00e7\u00e3o individual de cada requerente. A Lica oferece-lhe sempre as melhores taxas dispon\u00edveis para o seu cr\u00e9dito pessoal, com base nos resultados que os nossos consultores obt\u00eam ap\u00f3s negocia\u00e7\u00e3o.<\/p>\n\n\n\n<h2 id=\"viewer-epfhv\" class=\"wp-block-heading\">Cr\u00e9dito para reformados: que documentos devo apresentar?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-8ao3f\">Para que a sua candidatura seja processada corretamente, deve fornecer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u00f3pia do bilhete de identidade<\/li>\n\n\n\n<li>C\u00f3pia da decis\u00e3o AI \/ AVS \/ Caisse de pension<\/li>\n\n\n\n<li>C\u00f3pia dos 3 \u00faltimos extractos da conta de onde recebe a(s) sua(s) pens\u00e3o(\u00f5es)<\/li>\n\n\n\n<li>C\u00f3pias dos seus 3 \u00faltimos recibos de vencimento para rendimentos adicionais (se aplic\u00e1vel)<\/li>\n\n\n\n<li>Contrato de arrendamento ou de hipoteca<\/li>\n\n\n\n<li>Se forem casados ou viverem em uni\u00e3o de facto :<\/li>\n\n\n\n<li>C\u00f3pia do bilhete de identidade su\u00ed\u00e7o ou da autoriza\u00e7\u00e3o de resid\u00eancia do seu parceiro.<\/li>\n\n\n\n<li>C\u00f3pia dos seus 3 \u00faltimos recibos de vencimento e das 3 \u00faltimas declara\u00e7\u00f5es de rendimentos complementares do seu parceiro (se aplic\u00e1vel).<\/li>\n<\/ul>\n\n\n\n<h2 id=\"viewer-7gqvu\" class=\"wp-block-heading\">Porqu\u00ea escolher a Lica?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-3s1s9\">Os consultores da Lica tratam o seu processo de forma transparente e muito eficiente. Analisamos a sua situa\u00e7\u00e3o atual e temos em conta <a href=\"https:\/\/www.lica.ch\/pt\/solvabilidade\/gerir-bem-as-financas-e-otimizar-o-orcamento\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/solvabilite\/bien-gerer-ses-finances-et-optimiser-son-budget\/\">o seu or\u00e7amento<\/a>, e, al\u00e9m disso, propomos-lhe solu\u00e7\u00f5es de financiamento perfeitamente adaptadas \u00e0 sua situa\u00e7\u00e3o. A Lica tamb\u00e9m negocia a sua taxa de juro para que obtenha a oferta mais vantajosa do mercado.<\/p>","protected":false},"excerpt":{"rendered":"<p>Vous \u00eates rentier AVS ou AVI ? AVS et l\u2019AI sont les deux prestataires du premier pilier. L\u2019assurance vieillesse et survivants (AVS) verse des rentes aux retrait\u00e9s et des rentes de veufs, veuves et orphelins aux survivants. Alors que l\u2019assurance invalidit\u00e9 (AI), elle verse des prestations (rentes) aux personnes qui sont invalides. Nous allons donc [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":27888,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-5810","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-rentier"],"_yoast_wpseo_focuskw":"Cr\u00e9dit pour les rentiers","_yoast_wpseo_title":"Le cr\u00e9dit priv\u00e9 pour les rentiers AVS et AI %%sep%% Lica cr\u00e9dit priv\u00e9 \u00e0 Vevey","_yoast_wpseo_metadesc":"Le cr\u00e9dit pour les rentiers AVS et AI est possible \u00e0 condition de respecter certaines conditions. 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