{"id":3807,"date":"2022-03-22T09:23:45","date_gmt":"2022-03-22T09:23:45","guid":{"rendered":"https:\/\/www.brummas.com\/?p=3807"},"modified":"2026-06-24T13:19:21","modified_gmt":"2026-06-24T13:19:21","slug":"hipoteca","status":"publish","type":"post","link":"https:\/\/www.brummas.com\/pt\/property\/mortgage\/","title":{"rendered":"Hipoteca"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3807\" class=\"elementor elementor-3807\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-748e33d elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"748e33d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ddf9545\" data-id=\"ddf9545\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a4d5d1 elementor-widget elementor-widget-image\" data-id=\"3a4d5d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.brummas.com\/wp-content\/uploads\/elementor\/thumbs\/KYVV3688_v2-rlp9c55wa6wz2v16kupui6rdhjazlx74laluyv2qh4.jpg\" title=\"Brummas\u00a9 2026\" alt=\"Brummas\u00a9 2026\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b28a36b elementor-widget elementor-widget-text-editor\" data-id=\"b28a36b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Embora para muitos n\u00e3o seja de todo uma quest\u00e3o, mesmo que pensem nisso, ter\u00e3o de se perguntar se uma hipoteca \u00e9 desej\u00e1vel no que diz respeito ao sector imobili\u00e1rio. Normalmente, n\u00e3o \u00e9 f\u00e1cil obter uma hipoteca no pa\u00eds de origem para um im\u00f3vel no estrangeiro, mesmo que se pretenda utiliz\u00e1-lo como resid\u00eancia principal semi-permanente. As op\u00e7\u00f5es s\u00e3o geralmente limitadas em termos de percentagem de capital e, nesse caso, apenas com (o valor excedente de) um im\u00f3vel no pa\u00eds de origem como garantia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0872276 elementor-widget elementor-widget-spacer\" data-id=\"0872276\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ece57d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"ece57d8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2f81166\" data-id=\"2f81166\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-175e1e7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"175e1e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db40083 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"db40083\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\"Uma estrat\u00e9gia comum \u00e9, portanto, comprar um im\u00f3vel sem hipoteca e abordar a reconstru\u00e7\u00e3o ou renova\u00e7\u00e3o por fases, se necess\u00e1rio ao longo de v\u00e1rios anos.\"<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbd053c elementor-widget elementor-widget-image\" data-id=\"bbd053c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.brummas.com\/wp-content\/uploads\/elementor\/thumbs\/MORR9354_v1-rmfmej9znhsjxcna9vh2je6bzhrs27pu8tocmluen4.jpg\" title=\"Brummas\u00a9 2026\" alt=\"Brummas\u00a9 2026\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffc73fa elementor-widget elementor-widget-spacer\" data-id=\"ffc73fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5eab2aa elementor-widget elementor-widget-text-editor\" data-id=\"5eab2aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Uma hipoteca local tamb\u00e9m n\u00e3o \u00e9 muito comum, a n\u00e3o ser que se instale permanentemente no pa\u00eds, mas, mais uma vez, dependendo do valor da garantia, n\u00e3o \u00e9 totalmente imposs\u00edvel. Para tal, ter\u00e1 de comprovar a exist\u00eancia de rendimentos fixos e de ativos relevantes. Ao contr\u00e1rio do que est\u00e1 habituado, as hipotecas locais s\u00e3o geralmente concedidas com base na Euribor, pelo que a taxa de juro varia consoante o mercado. Esta n\u00e3o \u00e9 uma perspetiva atrativa em todos os casos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52cb62f elementor-widget elementor-widget-spacer\" data-id=\"52cb62f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82e82c4 elementor-widget elementor-widget-image\" data-id=\"82e82c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.brummas.com\/wp-content\/uploads\/elementor\/thumbs\/IMG_0100_v1-scaled-rmmf90tc78heoxke3i0g907yq5klvcbxzeq79wdcps.jpg\" title=\"Brummas\u00a9 2026\" alt=\"Brummas\u00a9 2026\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-812c570 elementor-widget elementor-widget-spacer\" data-id=\"812c570\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba1bc32 elementor-widget elementor-widget-text-editor\" data-id=\"ba1bc32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Uma estrat\u00e9gia comum \u00e9, portanto, comprar um im\u00f3vel sem hipoteca e abordar a reconstru\u00e7\u00e3o ou renova\u00e7\u00e3o por fases, se necess\u00e1rio ao longo de v\u00e1rios anos.<\/p><p>A abordagem mais pr\u00e1tica \u00e9 come\u00e7ar por tornar ou manter pelo menos uma parte da propriedade habit\u00e1vel durante as obras, para que seja sempre poss\u00edvel uma estadia agrad\u00e1vel no local. E realizar a abordagem posterior (por fases) a partir desta base.<\/p><p>Se estiver prevista uma abordagem por fases ao longo de v\u00e1rios anos, \u00e9 importante que cada fase seja trabalhada em dire\u00e7\u00e3o a um ponto interm\u00e9dio ou final l\u00f3gico da reconstru\u00e7\u00e3o.\nUma boa reconstru\u00e7\u00e3o ter\u00e1, basicamente, de se centrar, em primeiro lugar, na impermeabiliza\u00e7\u00e3o dos alicerces, das paredes e do telhado, no isolamento da humidade e na instala\u00e7\u00e3o de janelas. Para tudo o resto, pode levar o seu tempo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"property\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1647941025\"\r\n\t            data-title=\"Mortgage\" \r\n\t            data-home=\"https:\/\/www.brummas.com\/pt\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Embora para muitos n\u00e3o seja de todo uma quest\u00e3o, mesmo que pensem nisso, ter\u00e3o de se perguntar se uma hipoteca \u00e9 desej\u00e1vel no que diz respeito ao sector imobili\u00e1rio...<\/p>","protected":false},"author":3,"featured_media":10008,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[64],"tags":[94],"class_list":["post-3807","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property","tag-en"],"_links":{"self":[{"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/posts\/3807","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/comments?post=3807"}],"version-history":[{"count":40,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/posts\/3807\/revisions"}],"predecessor-version":[{"id":12068,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/posts\/3807\/revisions\/12068"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/media\/10008"}],"wp:attachment":[{"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/media?parent=3807"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/categories?post=3807"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.brummas.com\/pt\/wp-json\/wp\/v2\/tags?post=3807"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}