{"id":7627,"date":"2019-10-18T12:40:29","date_gmt":"2019-10-18T12:40:29","guid":{"rendered":"https:\/\/credxperts.ch\/dev\/dev\/dev\/dev\/?page_id=7627"},"modified":"2026-02-10T20:29:39","modified_gmt":"2026-02-10T19:29:39","slug":"comparacao-de-taxas-de-juro-2","status":"publish","type":"page","link":"https:\/\/credxperts.angularity.de\/pt\/zinsvergleich-2\/","title":{"rendered":"Compara\u00e7\u00e3o de taxas de juro"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid vc_custom_1571323691160 vc_row-has-padding-top vc_row-has-padding-bottom\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_raw_html wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n<div id=\"calculator\">\n    <div id=\"cx_calculator\">\n        <div class=\"calc left\">\n            <div class=\"upper\">\n                <label for=\"pricipal\">Empr\u00e9stimo pretendido<\/label>\n                <div class=\"result\">\n                    <span class=\"currency\">CHF<\/span>\n                    <span id=\"principal_result\">0.0<\/span>\n                <\/div>\n                <input name=\"pricipal_range\" \n                       type=\"range\" \n                       id=\"pricipal\" \n                       min=\"5000\" \n                       max=\"250000\" \n                       value=\"450000\" \n                       step=\"1000\">\n                       <!--<p class=\"rightTrackPrincipal\"><\/p>-->\n            <\/div>\n            <div class=\"lower\">\n                <label for=\"duration\">Dura\u00e7\u00e3o<\/label>\n                <div class=\"result\">\n                    <span id=\"duration_result\">120<\/span>\n                    <span class=\"time\">Meses<\/span>\n                <\/div>\n                <input name=\"duration_range\" \n                       type=\"range\" \n                       id=\"duration\"\n                       min=\"6\" \n                       max=\"120\" \n                       value=\"84\" \n                       step=\"6\">\n                       <!--<p class=\"rightTrackDuration\"><\/p>-->\n            <\/div>\n        <\/div>\n        <div class=\"calc right\">\n            <h4>Taxa mensal<\/h4>\n            <div class=\"half\">\n                <p>de 5.8%<\/p>\n                <span id=\"lower_rate\"><\/span>\n            <\/div>\n            <div class=\"half\">\n                <p>at\u00e9 9.95%<\/p>\n                <span id=\"higher_rate\"><\/span>        \n            <\/div><div class=\"cx-calc-button\">\n                <a href=\"https:\/\/credxperts.angularity.de\/pt\/kreditantrag\/\" id=\"cx-button\">\n                    Iniciar a compara\u00e7\u00e3o de empr\u00e9stimos\n                <\/a>        \n            <\/div><\/div>\n    <\/div>\n<\/div>\n<div id=\"offer_list\">\n        <div class=\"offer-item\"\n            data-min-duration=\"12\"        \n            data-max-duration=\"84\"        \n        >\n            <div class=\"offer-name\">\n                <strong>Cembra Money Bank<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"7.95\"\n                 data-interest-to=\"9.95\"\n            >\n                <span>Taxa de juro anual efectiva<\/span>\n                <strong>7.95% a 9.95%<\/strong>\n                <span class=\"additional-cost\">Custos adicionais: N\u00e3o<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"1000\"            \n                data-principal-max=\"250000\"            \n            >\n                <span>Montante do empr\u00e9stimo<\/span>\n                <strong>1'000\n                CHF at\u00e9 <br>250.000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Custos mensais<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Custos totais<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/pt\/kreditantrag\/\">Pedir agora<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"6\"        \n            data-max-duration=\"84\"        \n        >\n            <div class=\"offer-name\">\n                <strong>Banco-agora<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"7.90\"\n                 data-interest-to=\"9.90\"\n            >\n                <span>Taxa de juro anual efectiva<\/span>\n                <strong>7.90% a 9.90%<\/strong>\n                <span class=\"additional-cost\">Custos adicionais: N\u00e3o<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"1000\"            \n                data-principal-max=\"250000\"            \n            >\n                <span>Montante do empr\u00e9stimo<\/span>\n                <strong>1'000\n                CHF at\u00e9 <br>250.000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Custos mensais<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Custos totais<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/pt\/kreditantrag\/\">Pedir agora<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"6\"        \n            data-max-duration=\"84\"        \n        >\n            <div class=\"offer-name\">\n                <strong>Banco Migros <\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"4.7\"\n                 data-interest-to=\"5.9\"\n            >\n                <span>Taxa de juro anual efectiva<\/span>\n                <strong>4,7% a 5,9%<\/strong>\n                <span class=\"additional-cost\">Custos adicionais: N\u00e3o<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"1000\"            \n                data-principal-max=\"100000\"            \n            >\n                <span>Montante do empr\u00e9stimo<\/span>\n                <strong>1'000\n                CHF at\u00e9 <br>CHF 100.000\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Custos mensais<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Custos totais<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/pt\/kreditantrag\/\">Pedir agora<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"6\"        \n            data-max-duration=\"120\"        \n        >\n            <div class=\"offer-name\">\n                <strong>bob Finan\u00e7as<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"4.9\"\n                 data-interest-to=\"9.9\"\n            >\n                <span>Taxa de juro anual efectiva<\/span>\n                <strong>4,9% a 9,9%<\/strong>\n                <span class=\"additional-cost\">Custos adicionais: N\u00e3o<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"1000\"            \n                data-principal-max=\"80000\"            \n            >\n                <span>Montante do empr\u00e9stimo<\/span>\n                <strong>1'000\n                CHF at\u00e9 <br>80'000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Custos mensais<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Custos totais<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/pt\/kreditantrag\/\">Pedir agora<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"6\"        \n            data-max-duration=\"60\"        \n        >\n            <div class=\"offer-name\">\n                <strong>BCGE<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"6.40\"\n                 data-interest-to=\"6.40\"\n            >\n                <span>Taxa de juro anual efectiva<\/span>\n                <strong>6.40% a 6.40%<\/strong>\n                <span class=\"additional-cost\">Custos adicionais: N\u00e3o<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"2500\"            \n                data-principal-max=\"70000\"            \n            >\n                <span>Montante do empr\u00e9stimo<\/span>\n                <strong>2'500\n                CHF at\u00e9 <br>70'000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Custos mensais<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Custos totais<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/pt\/kreditantrag\/\">Pedir agora<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"12\"        \n            data-max-duration=\"60\"        \n        >\n            <div class=\"offer-name\">\n                <strong>CreditGate24<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"4.80\"\n                 data-interest-to=\"9.90\"\n            >\n                <span>Taxa de juro anual efectiva<\/span>\n                <strong>4.80% a 9.90%<\/strong>\n                <span class=\"additional-cost\">Custos adicionais: Sim<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"5000\"            \n                data-principal-max=\"5000000\"            \n            >\n                <span>Montante do empr\u00e9stimo<\/span>\n                <strong>5'000\n                CHF at\u00e9 <br>CHF 5.000.000\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Custos mensais<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Custos totais<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/pt\/kreditantrag\/\">Pedir agora<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"12\"        \n            data-max-duration=\"72\"        \n        >\n            <div class=\"offer-name\">\n                <strong>LEND - Switzerlend<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"3.5\"\n                 data-interest-to=\"9.8\"\n            >\n                <span>Taxa de juro anual efectiva<\/span>\n                <strong>3,5% a 9,8%<\/strong>\n                <span class=\"additional-cost\">Custos adicionais: Sim<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"5000\"            \n                data-principal-max=\"200000\"            \n            >\n                <span>Montante do empr\u00e9stimo<\/span>\n                <strong>5'000\n                CHF at\u00e9 <br>CHF 200.000\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Custos mensais<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Custos totais<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/pt\/kreditantrag\/\">Pedir agora<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"1\"        \n            data-max-duration=\"60\"        \n        >\n            <div class=\"offer-name\">\n                <strong>Cashare<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"3.90\"\n                 data-interest-to=\"9.90\"\n            >\n                <span>Taxa de juro anual efectiva<\/span>\n                <strong>3.90% a 9.90%<\/strong>\n                <span class=\"additional-cost\">Custos adicionais: Sim<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"1000\"            \n                data-principal-max=\"1000000\"            \n            >\n                <span>Montante do empr\u00e9stimo<\/span>\n                <strong>1'000\n                CHF at\u00e9 <br>CHF 1.000.000\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Custos mensais<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Custos totais<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/pt\/kreditantrag\/\">Pedir agora<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"1\"        \n            data-max-duration=\"60\"        \n        >\n            <div class=\"offer-name\">\n                <strong>Crowd4Cash<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"3.9\"\n                 data-interest-to=\"8.9\"\n            >\n                <span>Taxa de juro anual efectiva<\/span>\n                <strong>3,9% a 8,9%<\/strong>\n                <span class=\"additional-cost\">Custos adicionais: Sim<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"5000\"            \n                data-principal-max=\"250000\"            \n            >\n                <span>Montante do empr\u00e9stimo<\/span>\n                <strong>5'000\n                CHF at\u00e9 <br>250.000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Custos mensais<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Custos totais<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF at\u00e9<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/pt\/kreditantrag\/\">Pedir agora<\/a>                         \n            <\/div>\n        <\/div>\n<\/div>\n\t\t<\/div>\n\t<\/div>\n<div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><header class=\"kd-section-title col-lg-12 text-left\" ><h2 class=\"separator_off\" >Na credXperts encontrar\u00e1 a melhor taxa de juro na Su\u00ed\u00e7a<\/h2><\/header><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Compara\u00e7\u00e3o de taxas de juro: O que deve saber sobre juros e taxas de juro<\/strong><\/p>\n<p>Qualquer pessoa que pretenda efetuar uma compara\u00e7\u00e3o de taxas de juro deve ter uma resposta a estas perguntas: O que s\u00e3o exatamente as taxas de juro? Porque \u00e9 que existem diferentes taxas de juro? E qual \u00e9 a diferen\u00e7a entre uma taxa de juro efectiva e uma taxa de juro nominal? Nas sec\u00e7\u00f5es seguintes, responderemos a estas e outras perguntas sobre taxas de juro. Entre outras coisas, abordaremos estes t\u00f3picos:<\/p>\n<ul>\n<li>Juros: defini\u00e7\u00e3o e fun\u00e7\u00e3o.<\/li>\n<li>Montante da taxa de juro: Que factores desempenham aqui um papel?<\/li>\n<li>Compara\u00e7\u00e3o das taxas de juro: Porque \u00e9 que vale a pena comparar as taxas de juro dos empr\u00e9stimos pessoais?<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1571323835557 vc_row-has-fill vc_row-has-padding-top vc_row-has-padding-bottom\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><header class=\"kd-section-title col-lg-12 text-left\" ><h2 class=\"separator_off\" >O que s\u00e3o juros?<\/h2><\/header><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Os juros s\u00e3o o montante que o devedor paga pelo dinheiro emprestado, como um empr\u00e9stimo ou uma hipoteca. O montante dos juros \u00e9 medido em percentagem e indicado como taxa de juro, que \u00e9 fixada em cada caso durante um determinado per\u00edodo de tempo. O que se aplica aos empr\u00e9stimos tamb\u00e9m se aplica \u00e0 poupan\u00e7a: Neste caso, empresta o seu dinheiro ao banco e este paga-lhe um juro de poupan\u00e7a (= juro de cr\u00e9dito) em troca, o que, no entanto, n\u00e3o vale muito a pena atualmente, devido \u00e0s baixas taxas de juro.<\/p>\n<p>O que vale a pena, no entanto, \u00e9 comparar as taxas de juro - tal como quando se pede um empr\u00e9stimo pessoal: Porque com a compara\u00e7\u00e3o das taxas de juro de um empr\u00e9stimo, poupa-se dinheiro. <a href=\"https:\/\/de.wikipedia.org\/wiki\/Zins\" target=\"_blank\" rel=\"noopener noreferrer\">Se quiser saber ainda mais sobre o tema de interesse, pode encontrar mais informa\u00e7\u00f5es aqui.<\/a><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div class=\"vc_row wpb_row vc_row-fluid vc_custom_1571323691160 vc_row-has-padding-top vc_row-has-padding-bottom\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><header class=\"kd-section-title col-lg-12 text-left\" ><h2 class=\"separator_off\" >Porque \u00e9 que existem diferentes taxas de juro?<\/h2><\/header><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>O pre\u00e7o de um empr\u00e9stimo depende da taxa de juro, que por sua vez depende de v\u00e1rios factores. \u00c9 por isso que vale a pena comparar as taxas de juro, porque isso pode poupar-lhe muito dinheiro. Pode ver aqui quais os factores que est\u00e3o na origem de taxas de juro diferentes:<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<div class=\"key-icon-box icon-default  cont-left ib-hover-2  kd-animated fadeInUp\" style=\"background-color: transparent;\" data-animation-delay=\"200\"><div class=\"ib-wrapper\"><h6 class=\"service-heading\" >R\u00e1cio da oferta e da procura<\/h6><p >Se, por exemplo, muitas empresas investirem em investiga\u00e7\u00e3o e desenvolvimento e contra\u00edrem empr\u00e9stimos para esse efeito, o n\u00edvel da taxa de juro sobe. Se a procura de empr\u00e9stimos diminuir, a taxa de juro tamb\u00e9m desce.<\/p><\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div class=\"key-icon-box icon-default  cont-left ib-hover-2  kd-animated fadeInUp\" style=\"background-color: transparent;\" data-animation-delay=\"400\"><div class=\"ib-wrapper\"><h6 class=\"service-heading\" >Avalia\u00e7\u00e3o da fiabilidade credit\u00edcia e do risco<\/h6><p >Para al\u00e9m dos factores acima referidos que influenciam a taxa de juro, os bancos e os fornecedores de cr\u00e9dito tamb\u00e9m verificam a sua pr\u00f3pria solvabilidade. Se essa avalia\u00e7\u00e3o de risco n\u00e3o for correcta, o risco aumenta para os credores, o que deve ser compensado com uma taxa de juro mais elevada. Assim, se pedir um empr\u00e9stimo e a sua solvabilidade significar um risco acrescido para o credor, deve contar com uma taxa de juro mais elevada para o empr\u00e9stimo. Mas tamb\u00e9m aqui vale a pena comparar as diferentes institui\u00e7\u00f5es de cr\u00e9dito e as taxas de juro do cr\u00e9dito para obter o cr\u00e9dito mais favor\u00e1vel poss\u00edvel.<\/p><\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div class=\"key-icon-box icon-default  cont-left ib-hover-2  kd-animated fadeInUp\" style=\"background-color: transparent;\" data-animation-delay=\"600\"><div class=\"ib-wrapper\"><h6 class=\"service-heading\" >Tipo e objetivo do cr\u00e9dito<\/h6><p >Al\u00e9m disso, tamb\u00e9m \u00e9 importante o tipo de empr\u00e9stimo que se pede num banco - com finalidade espec\u00edfica, como para um autom\u00f3vel ou para um im\u00f3vel, ou gratuito. No caso de um empr\u00e9stimo com finalidade espec\u00edfica, obt\u00e9m-se uma taxa de juro mais baixa em compara\u00e7\u00e3o com um empr\u00e9stimo gratuito, porque o banco tem garantias para o mesmo - como o autom\u00f3vel ou o im\u00f3vel. Um empr\u00e9stimo gratuito, por outro lado, implica um maior risco de incumprimento para o banco, raz\u00e3o pela qual a taxa de juro pode ser correspondentemente mais elevada. No entanto, tamb\u00e9m aqui \u00e9 importante verificar as diferentes ofertas, uma vez que nem todos os credores tratam esta quest\u00e3o da mesma forma e n\u00e3o associam o objetivo de um empr\u00e9stimo \u00e0 taxa de juro.<\/p><\/div><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Uma vez que v\u00e1rios factores influenciam a taxa de juro, pode valer a pena comparar as taxas de juro de diferentes fornecedores de cr\u00e9dito. Enquanto corretor de cr\u00e9dito, comparamos constantemente as taxas de juro actuais dos empr\u00e9stimos pessoais: Gra\u00e7as \u00e0 nossa independ\u00eancia, podemos oferecer-lhe a melhor taxa de juro de cr\u00e9dito na Su\u00ed\u00e7a. <strong>Dica: compare tamb\u00e9m a taxa de juro com a sua taxa de juro atual <a href=\"https:\/\/credxperts.angularity.de\/pt\/\">Cr\u00e9dito<\/a>.<\/strong> Possivelmente, poderia come\u00e7ar com um <a href=\"https:\/\/credxperts.angularity.de\/pt\/resgatar-credito\/\" target=\"_blank\" rel=\"noopener noreferrer\">Reembolso de empr\u00e9stimos<\/a> obter taxas de juro mais baixas.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" data-vc-kd-parallax=\"1.5\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1584116012365 vc_row-has-fill vc_row-has-padding-top vc_row-has-padding-bottom vc_general kd_vc_parallax kd_vc_parallax-content-moving\"><div class=\"parallax-overlay\" data-vc-kd-parallax=\"1.5\"><\/div><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><header class=\"kd-section-title col-lg-12 text-center\" ><h2 class=\"separator_off\" style=\"color: #ffffff;\">Mais informa\u00e7\u00f5es \u00fateis<\/h2><\/header><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_row-o-equal-height vc_row-flex\"><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"key-icon-box icon-default icon-top cont-center ib-no-effect  kd-animated fadeIn\" style=\"background-color: #ffffff;\" data-animation-delay=\"200\"><a href=\"\/pt\/pedido-de-credito\/\" target=\"_blank\"><i class=\"\" style=\" \"><\/i> <h6 class=\"service-heading\" >Calcular o meu cr\u00e9dito<\/h6><\/a><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"key-icon-box icon-default icon-top cont-center ib-no-effect  kd-animated fadeIn\" style=\"background-color: #ffffff;\" data-animation-delay=\"400\"><a href=\"\/pt\/perguntas-frequentes-respostas\/\" target=\"_blank\"><i class=\"\" style=\" \"><\/i> <h6 class=\"service-heading\" >Perguntas e respostas frequentes<\/h6><\/a><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"key-icon-box icon-default icon-top cont-center ib-no-effect  kd-animated fadeIn\" style=\"background-color: #ffffff;\" data-animation-delay=\"600\"><a href=\"\/pt\/pedir-credito\/\" target=\"_blank\"><i class=\"\" style=\" \"><\/i> <h6 class=\"service-heading\" >Crit\u00e9rios para a contra\u00e7\u00e3o de empr\u00e9stimos<\/h6><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1571323835557 vc_row-has-fill vc_row-has-padding-top vc_row-has-padding-bottom\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><header class=\"kd-section-title col-lg-12 text-left\" ><h2 class=\"separator_off\" >Qual \u00e9 a diferen\u00e7a entre a taxa de juro efectiva e a taxa de juro nominal?<\/h2><\/header><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Um banco fixa a taxa de juro nominal de um empr\u00e9stimo durante um determinado prazo. Esta taxa \u00e9 tamb\u00e9m designada por taxa de juro de d\u00e9bito e corresponde ao montante que o devedor deve pagar pelo seu empr\u00e9stimo. A taxa de juro efectiva \u00e9 utilizada quando, para al\u00e9m da <strong>Taxa de juro nominal<\/strong> incluem tamb\u00e9m outros factores, tais como <strong>Comiss\u00f5es de processamento, per\u00edodo de cr\u00e9dito e presta\u00e7\u00f5es de reembolso<\/strong>Um prazo mais longo de um empr\u00e9stimo pessoal est\u00e1 associado a custos de juros mais elevados, desde que o empr\u00e9stimo tamb\u00e9m seja utilizado durante todo o prazo. No entanto, um prazo mais longo<strong> per\u00edodo mais longo<\/strong> tamb\u00e9m vale a pena, porque pode <strong>Repartir melhor os riscos<\/strong> e s\u00e3o, portanto, mais flex\u00edveis. E se puder reembolsar um empr\u00e9stimo antecipadamente, pode <strong>beneficiar de uma ren\u00fancia \u00e0 taxa de juro<\/strong>. Para isso, pode utilizar o nosso <a href=\"https:\/\/credxperts.angularity.de\/pt\/calculadora-de-drenagem\/\">Calculadora de resgate de empr\u00e9stimos<\/a> utiliza\u00e7\u00e3o. \u00c9 por isso que \u00e9 importante pesar todos os pr\u00f3s e contras e compar\u00e1-los com a sua situa\u00e7\u00e3o pessoal para encontrar a oferta de cr\u00e9dito mais adequada para si.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div class=\"vc_row wpb_row vc_row-fluid vc_custom_1571323691160 vc_row-has-padding-top vc_row-has-padding-bottom\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><header class=\"kd-section-title col-lg-12 text-left\" ><h2 class=\"separator_off\" >Taxa de juro anual efectiva entre 4,4 % e 9,95 %<\/h2><\/header><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Tudo sobre taxas de juro, taxas de juro e compara\u00e7\u00e3o de taxas de juro<\/strong><\/p>\n<p>Gra\u00e7as a um <a href=\"https:\/\/credxperts.angularity.de\/pt\/comparacao-de-taxas-de-juro\/\">Compara\u00e7\u00e3o de taxas de juro em toda a Su\u00ed\u00e7a, obt\u00e9m a melhor taxa de juro na credXperts.<\/a> Su\u00ed\u00e7a - flex\u00edvel, r\u00e1pida e transparente. <strong>As taxas de juro efectivas variam entre 4,4 % e 9,95 % - dependendo da sua pontua\u00e7\u00e3o de cr\u00e9dito.<\/strong> Como a nossa corretora de cr\u00e9dito \u00e9 independente, temos mais margem de manobra do que os bancos de cr\u00e9dito tradicionais quando se trata de definir e comparar taxas de juro.<\/p>\n<p class=\"translation-block\">Se quiser beneficiar de melhores taxas de juros para um empr\u00e9stimo pessoal em compara\u00e7\u00e3o com outros fornecedores de empr\u00e9stimos, deixe-nos calcular o montante do empr\u00e9stimo desejado. O prazo pode ser escolhido entre <strong>6 e 120 meses.<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1584116180125 vc_row-has-fill vc_row-has-padding-top vc_row-has-padding-bottom\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><header class=\"kd-section-title col-lg-12 text-center\" ><h2 class=\"separator_off\" style=\"color: #ffffff;font-size: 32px;\">Pedir um empr\u00e9stimo agora e calcular a taxa de juro efectiva<\/h2><\/header>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">Connosco, pode obter rapidamente o empr\u00e9stimo que deseja ao menor custo poss\u00edvel!<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<a style=\"width: 360px;\" href=\"\/pt\/pedido-de-credito\/\"  target=\"_self\"  title=\"\" class=\"tt_button tt_primary_button btn_primary_color  button-center button-action-link  kd-animated fadeInUp\" data-animation-delay=\"200\"><span class=\"prim_text\">Solicite agora um empr\u00e9stimo.<\/span><\/a><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Pedir empr\u00e9stimo CHF 0,0 Prazo 120 meses Presta\u00e7\u00e3o mensal de 5,8% a 9,95% Iniciar compara\u00e7\u00e3o de cr\u00e9dito Cembra Money Bank Taxa de juro anual efectiva 7,95% a 9,95% Custos adicionais: N\u00e3o Montante do empr\u00e9stimo 1.000 CHF a 250.000 CHF Custos mensais 0 CHF a 0 CHF Custos totais 0 CHF a 0 CHF Consultar agora Bank-now Taxa de juro anual efectiva 7,90% a 9,90% Custos adicionais: N\u00e3o Montante do empr\u00e9stimo 1.000 <strong><a href=\"https:\/\/credxperts.angularity.de\/pt\/zinsvergleich-2\/\">mais...<\/a><\/strong>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7627","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Zinsvergleich in der Schweiz: Der beste Kreditzins bei credXperts<\/title>\n<meta name=\"description\" content=\"Machen Sie einen Zinsvergleich, bevor Sie einen Kredit beantragen. credXperts hilft Ihnen, f\u00fcr den besten Kreditzins der Schweiz zu finden.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zinsvergleich in der Schweiz: Der beste Kreditzins bei credXperts\" \/>\n<meta property=\"og:description\" content=\"Machen Sie einen Zinsvergleich, bevor Sie einen Kredit beantragen. credXperts hilft Ihnen, f\u00fcr den besten Kreditzins der Schweiz zu finden.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/credxperts.angularity.de\/pt\/comparacao-de-taxas-de-juro-2\/\" \/>\n<meta property=\"og:site_name\" content=\"credXperts AG\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-10T19:29:39+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Tempo estimado de leitura\" \/>\n\t<meta name=\"twitter:data1\" content=\"9 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/credxperts.angularity.de\/zinsvergleich-2\/\",\"url\":\"https:\/\/credxperts.angularity.de\/zinsvergleich-2\/\",\"name\":\"Zinsvergleich in der Schweiz: Der beste Kreditzins bei credXperts\",\"isPartOf\":{\"@id\":\"https:\/\/credxperts.angularity.de\/#website\"},\"datePublished\":\"2019-10-18T12:40:29+00:00\",\"dateModified\":\"2026-02-10T19:29:39+00:00\",\"description\":\"Machen Sie einen Zinsvergleich, bevor Sie einen Kredit beantragen. credXperts hilft Ihnen, f\u00fcr den besten Kreditzins der Schweiz zu finden.\",\"breadcrumb\":{\"@id\":\"https:\/\/credxperts.angularity.de\/zinsvergleich-2\/#breadcrumb\"},\"inLanguage\":\"pt-PT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/credxperts.angularity.de\/zinsvergleich-2\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/credxperts.angularity.de\/zinsvergleich-2\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/credxperts.angularity.de\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Zinsvergleich\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/credxperts.angularity.de\/#website\",\"url\":\"https:\/\/credxperts.angularity.de\/\",\"name\":\"credXperts AG\",\"description\":\"vergleichen - 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