{"id":496820,"date":"2026-05-27T10:02:57","date_gmt":"2026-05-27T13:02:57","guid":{"rendered":"https:\/\/portaltela.pt\/noticias\/2026\/05\/27\/credito-a-habitacao-santos-pereira-defende-taxa-de-esforco-de-45-e-regras-bdp\/"},"modified":"2026-05-27T10:02:57","modified_gmt":"2026-05-27T13:02:57","slug":"credito-a-habitacao-santos-pereira-defende-taxa-de-esforco-de-45-e-regras-bdp","status":"publish","type":"post","link":"https:\/\/portaltela.pt\/noticias\/economia\/2026\/05\/27\/credito-a-habitacao-santos-pereira-defende-taxa-de-esforco-de-45-e-regras-bdp\/","title":{"rendered":"Cr\u00e9dito \u00e0 habita\u00e7\u00e3o: Santos Pereira defende taxa de esfor\u00e7o de 45% e regras BdP"},"content":{"rendered":"<p>\u00c1lvaro Santos Pereira defende que a taxa de esfor\u00e7o para cr\u00e9dito \u00e0 habita\u00e7\u00e3o passe de 50% para 45%, tornando a regra vinculativa e n\u00e3o apenas recomenda\u00e7\u00e3o, em Portugal, para refor\u00e7ar a estabilidade financeira.<\/p>\n<p>A proposta visa alinhar Portugal com regras macroprudenciais j\u00e1 aplicadas noutros pa\u00edses europeus, tornando o aperto no acesso ao cr\u00e9dito mais definitivo.<\/p>\n<p>A altera\u00e7\u00e3o seria parte de medidas para melhorar a resili\u00eancia do sistema financeiro, avaliando impactos sobre fam\u00edlias e mercados.<\/p>\n","protected":false},"excerpt":{"rendered":"<ul>\n<li>\u00c1lvaro Santos Pereira defende tornar vinculativas as regras macroprudenciais sobre cr\u00e9dito \u00e0 habita\u00e7\u00e3o em Portugal.<\/li>\n<li>Prop\u00f5e reduzir a taxa de esfor\u00e7o de 50% para 45% para acesso ao cr\u00e9dito.<\/li>\n<li>Sinaliza que tais regras devem ser obrigat\u00f3rias, n\u00e3o apenas recomenda\u00e7\u00f5es.<\/li>\n<li>A ideia visa alinhar Portugal com pr\u00e1ticas j\u00e1 aplicadas noutros pa\u00edses europeus.<\/li>\n<li>O objetivo \u00e9 refor\u00e7ar a estabilidade financeira e facilitar o acesso das fam\u00edlias ao cr\u00e9dito.<\/li>\n<\/ul>\n","protected":false},"author":2,"featured_media":496822,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,6850],"tags":[4365,2323,28,733,5334,150],"class_list":["post-496820","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-financas","tag-banco-de-portugal","tag-credito-habitacao","tag-economia","tag-financas-publicas","tag-gestao-publica","tag-habitacao"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dito \u00e0 habita\u00e7\u00e3o: Santos Pereira defende taxa de esfor\u00e7o de 45% e regras BdP - Portal Tela Portugal<\/title>\n<meta name=\"robots\" content=\"index, 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=\"Cr\u00e9dito \u00e0 habita\u00e7\u00e3o: Santos Pereira defende taxa de esfor\u00e7o de 45% e regras BdP - Portal Tela Portugal\" \/>\n<meta property=\"og:description\" content=\"\u00c1lvaro Santos Pereira defende tornar vinculativas as regras macroprudenciais sobre cr\u00e9dito \u00e0 habita\u00e7\u00e3o em Portugal. Prop\u00f5e reduzir a taxa de esfor\u00e7o de 50% para 45% para acesso ao cr\u00e9dito. Sinaliza que tais regras devem ser obrigat\u00f3rias, n\u00e3o apenas recomenda\u00e7\u00f5es. A ideia visa alinhar Portugal com pr\u00e1ticas j\u00e1 aplicadas noutros pa\u00edses europeus. 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