{"id":4026,"date":"2020-04-01T11:00:46","date_gmt":"2020-04-01T11:00:46","guid":{"rendered":"http:\/\/euseguros.pt\/?p=4026"},"modified":"2020-10-03T14:03:51","modified_gmt":"2020-10-03T14:03:51","slug":"seguro-de-vida-devolucao-credito-habitacao","status":"publish","type":"post","link":"https:\/\/euseguros.pt\/en\/seguro-de-vida-devolucao-credito-habitacao\/","title":{"rendered":"seguro de vida devolu\u00e7\u00e3o cr\u00e9dito habita\u00e7\u00e3o"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.4.2&#8243;][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.4.2&#8243;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.4.2&#8243;][et_pb_text _builder_version=&#8221;4.4.2&#8243;]<\/p>\n<h2><strong>INTRODU\u00c7\u00c3O<\/strong><\/h2>\n<p>Se pagaste o cr\u00e9dito-habita\u00e7\u00e3o antes do tempo, ou vendeste a casa antes do prazo, pede o valor do seguro de vida que pagaste de volta.<\/p>\n<p>Escrevo este artigo para ajudar todas as pessoas que liquidaram recentemente um cr\u00e9dito-habita\u00e7\u00e3o num banco tradicional.<\/p>\n<h2><strong>FIZESTE UM SEGURO DE VIDA LIGADO AO CR\u00c9DITO-HABITA\u00c7\u00c3O?<\/strong><\/h2>\n<p>Quando fazes um cr\u00e9dito-habita\u00e7\u00e3o, os bancos querem uma garantia que t\u00eam o dinheiro de volta, caso fiques inv\u00e1lido ou morras. Este seguro de vida tem como \u00fanico benefici\u00e1rio o banco. Chama-se benefici\u00e1rio irrevog\u00e1vel.<\/p>\n<p>O que n\u00e3o te dizem \u00e9 que te v\u00e3o cobrar o seguro de vida ligado ao cr\u00e9dito-habita\u00e7\u00e3o do per\u00edodo todo do empr\u00e9stimo ou pelo menos de uma s\u00e9rie de anos.<\/p>\n<p>Por isso \u00e9 que n\u00e3o gostam que leves tu a tua cota\u00e7\u00e3o de seguro de vida ligado ao cr\u00e9dito-habita\u00e7\u00e3o com a seguradora da tua escolha. Mas n\u00e3o o podem recusar.<\/p>\n<p>No entanto \u00e9 precisamente isso que deves fazer, porque as renova\u00e7\u00f5es s\u00e3o anuais e o controlo est\u00e1 do teu lado.<\/p>\n<h2><strong>VENDESTE A CASA? E AGORA?<\/strong><\/h2>\n<p>Quando as pessoas fazem o seguro de vida com o banco, e vendem a casa antes do termo, significa duas coisas para o banco: perda de rendimento e que j\u00e1 n\u00e3o precisam de garantias, dado que a d\u00edvida est\u00e1 saldada.<\/p>\n<p>Se fizeste um seguro de vida com o banco, o mais prov\u00e1vel foi terem-te cobrado os anos todos do contrato ou uma s\u00e9rie deles em avan\u00e7o. Em qualquer dos casos, pede a devolu\u00e7\u00e3o do pr\u00e9mio do seguro de vida. Podes ter milhares de euros a receber, se te cobraram anos em avan\u00e7o.<\/p>\n<p>Se o objectivo do banco ao exigir um seguro de vida \u00e9 ter uma garantia de receber o valor de empr\u00e9stimo, ent\u00e3o este seguro deixa de fazer sentido se vendes a casa. Por isso n\u00e3o h\u00e1 nenhum argumento que te possam indicar que seja v\u00e1lido.<\/p>\n<h2><strong>CONCLUS\u00c3O<\/strong><\/h2>\n<p>N\u00e3o te esque\u00e7as que a maior parte das pessoas que trabalha na caixa do banco, n\u00e3o t\u00eam qualifica\u00e7\u00f5es financeiras quase nenhumas, apenas se mostram como tal. S\u00e3o vendedores e ganham comiss\u00f5es sobre os contratos que fazem. N\u00e3o informam convenientemente as pessoas, por interesse-pr\u00f3prio e posicionam muitas vezes, para n\u00e3o deizer na maior parte, que as pessoas paguem coisas que n\u00e3o precisam.<\/p>\n<p>Questiona o que te dizem. Neste caso, deves na maior parte dos casos fazer um seguro de vida separado do banco. Assim como pagas anualmente, quando venderes a casa, podes terminar o seguro sem ter de estar a passar por mais um intermedi\u00e1rio, mais interessado nele do que contigo.<\/p>\n<p>[\/et_pb_text][et_pb_contact_form title=&#8221;Sim! 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Gosto de ajudar as pessoas a terem informa\u00e7\u00e3o mais clara sobre os servi\u00e7os que adquirem.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"color: #ffffff;\">Criei este website para te ajudar\u00a0 a compreender melhor porque deves ter um seguro de vida.<\/span><\/p>\n<p>[\/et_pb_cta][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;3.3.1&#8243; global_module=&#8221;1777&#8243; saved_tabs=&#8221;all&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;3.27.4&#8243;]<\/p>\n<p><strong>Partilha este post nas redes sociais<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_social_media_follow _builder_version=&#8221;3.3.1&#8243;][et_pb_social_media_follow_network social_network=&#8221;facebook&#8221; _builder_version=&#8221;3.3.1&#8243; background_color=&#8221;#3b5998&#8243; follow_button=&#8221;off&#8221; 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