{"id":8345,"date":"2025-02-11T02:46:57","date_gmt":"2025-02-11T02:46:57","guid":{"rendered":"https:\/\/onelegal.pt\/?p=8345"},"modified":"2025-02-11T02:49:11","modified_gmt":"2025-02-11T02:49:11","slug":"portugal-banco-de-portugal-altera-o-aviso-relativo-a-prestacao-de-informacao-aos-clientes-bancarios-sobre-o-regime-de-garantia-pessoal-do-estado-para-a-concessao-de-credito-a-habitacao-propria-e-perma","status":"publish","type":"post","link":"https:\/\/onelegal.pt\/pt-pt\/blog-pt-pt\/portugal-banco-de-portugal-altera-o-aviso-relativo-a-prestacao-de-informacao-aos-clientes-bancarios-sobre-o-regime-de-garantia-pessoal-do-estado-para-a-concessao-de-credito-a-habitacao-propria-e-perma\/","title":{"rendered":"Portugal | Banco de Portugal altera o Aviso relativo \u00e0 presta\u00e7\u00e3o de informa\u00e7\u00e3o aos clientes banc\u00e1rios sobre o regime de garantia pessoal do Estado para a concess\u00e3o de cr\u00e9dito \u00e0 habita\u00e7\u00e3o pr\u00f3pria e permanente a jovens at\u00e9 35 anos."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8345\" class=\"elementor elementor-8345\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50804ee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"50804ee\" data-element_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-d9f8f5e\" data-id=\"d9f8f5e\" data-element_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-1764073 bt-links esq elementor-widget elementor-widget-button\" data-id=\"1764073\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/onelegal.pt\/blog\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"><div class=\"ic-arrow\"><\/div>Other Posts<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-516be33 videofoto elementor-skin-carousel elementor-widget elementor-widget-media-carousel\" data-id=\"516be33\" data-element_type=\"widget\" data-settings=\"{&quot;slides_per_view&quot;:&quot;1&quot;,&quot;skin&quot;:&quot;carousel&quot;,&quot;effect&quot;:&quot;slide&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"media-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/onelegal.pt\/wp-content\/plugins\/pro-elements\/assets\/css\/widget-carousel.min.css\">\t\t<div class=\"elementor-swiper\">\n\t\t\t<div class=\"elementor-main-swiper swiper\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/onelegal.pt\/wp-content\/uploads\/2025\/02\/Blog-2025-02-10.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"516be33\" data-elementor-lightbox-title=\"Blog 2025 02 10\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6ODM0OSwidXJsIjoiaHR0cHM6XC9cL29uZWxlZ2FsLnB0XC93cC1jb250ZW50XC91cGxvYWRzXC8yMDI1XC8wMlwvQmxvZy0yMDI1LTAyLTEwLmpwZyIsInNsaWRlc2hvdyI6IjUxNmJlMzMifQ%3D%3D\" data-elementor-lightbox-video=\"\">\t\t<div class=\"elementor-carousel-image\" role=\"img\" aria-label=\"Blog 2025 02 10\" style=\"background-image: url(&#039;https:\/\/onelegal.pt\/wp-content\/uploads\/2025\/02\/Blog-2025-02-10.jpg&#039;)\">\n\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t<span class=\"elementor-screen-only\">Play<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5781a55 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5781a55\" data-element_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-b13b9ed\" data-id=\"b13b9ed\" data-element_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-5b02df7 elementor-widget elementor-widget-heading\" data-id=\"5b02df7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h3 class=\"elementor-heading-title elementor-size-default\">11\/02\/2025<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e4e4d8 elementor-widget elementor-widget-heading\" data-id=\"2e4e4d8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Portugal | Banco de Portugal altera o Aviso relativo \u00e0 presta\u00e7\u00e3o de informa\u00e7\u00e3o aos clientes banc\u00e1rios sobre o regime de garantia pessoal do Estado para a concess\u00e3o de cr\u00e9dito \u00e0 habita\u00e7\u00e3o pr\u00f3pria e permanente a jovens at\u00e9 35 anos.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b17eebf elementor-author-box--align-left elementor-author-box--image-valign-middle elementor-author-box--layout-image-left elementor-author-box--avatar-yes elementor-author-box--name-yes elementor-author-box--biography-yes elementor-author-box--link-no elementor-widget elementor-widget-author-box\" data-id=\"b17eebf\" data-element_type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/onelegal.pt\/wp-content\/plugins\/pro-elements\/assets\/css\/widget-theme-elements.min.css\">\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onelegal.pt\/wp-content\/uploads\/2022\/01\/cropped-onelegal-onepeople-4-300x300.jpg\" alt=\"Picture of Rui Amendoeira\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<span class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tRui Amendoeira\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-181dd8d elementor-widget elementor-widget-text-editor\" data-id=\"181dd8d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>No dia, 17 de Janeiro de 2025, o Banco de Portugal emitiu o Aviso n.\u00ba 1\/2025, que introduz uma atualiza\u00e7\u00e3o relacionada ao regime de garantia pessoal do Estado para a concess\u00e3o de cr\u00e9dito \u00e0 habita\u00e7\u00e3o pr\u00f3pria e permanente a jovens at\u00e9 35 anos, conforme estabelecido no Decreto-Lei n.\u00ba 44\/2024, de 10 de julho, e regulamentado pela Portaria n.\u00ba 236-A\/2024\/1, de 27 de setembro. Anteriormente, o Aviso n.\u00ba 6\/2024 do Banco de Portugal havia definido os deveres das institui\u00e7\u00f5es financeiras no que diz respeito \u00e0 divulga\u00e7\u00e3o de informa\u00e7\u00f5es ao p\u00fablico e aos clientes sobre este regime, incluindo a obrigatoriedade de fornecer detalhes em suporte duradouro aos clientes que manifestassem interesse, seja presencialmente ou por meios de comunica\u00e7\u00e3o \u00e0 dist\u00e2ncia. Para auxiliar nessa divulga\u00e7\u00e3o, foi disponibilizado um modelo de informa\u00e7\u00e3o anexo ao Aviso n.\u00ba 6\/2024, que inclu\u00eda um exemplo ilustrativo para calcular o montante coberto pela garantia pessoal do Estado, especialmente em casos em que o valor financiado fosse inferior ao valor da transa\u00e7\u00e3o imobili\u00e1ria.<\/p><p>No entanto, com a Dire\u00e7\u00e3o-Geral do Tesouro e Finan\u00e7as, entidade respons\u00e1vel pela garantia pessoal do Estado, divulgando publicamente um entendimento sobre o c\u00e1lculo da garantia e fornecendo exemplos ilustrativos que auxiliam os clientes banc\u00e1rios nesse processo, o Banco de Portugal entende que a divulga\u00e7\u00e3o do exemplo de c\u00e1lculo pelas institui\u00e7\u00f5es financeiras deixa de ser necess\u00e1ria. Dessa forma, o Aviso n.\u00ba 1\/2025 dispensa as institui\u00e7\u00f5es de inclu\u00edrem o exemplo de c\u00e1lculo no modelo de informa\u00e7\u00e3o, uma vez que a informa\u00e7\u00e3o j\u00e1 est\u00e1 dispon\u00edvel de forma clara e acess\u00edvel aos clientes por meio da Dire\u00e7\u00e3o-Geral do Tesouro e Finan\u00e7as. A altera\u00e7\u00e3o no modelo de informa\u00e7\u00e3o \u00e9 considerada uma modifica\u00e7\u00e3o ligeira e de car\u00e1ter volunt\u00e1rio para as institui\u00e7\u00f5es, n\u00e3o afetando diretamente ou imediatamente direitos ou interesses legalmente protegidos dos cidad\u00e3os. Por esse motivo, o Banco de Portugal dispensou a realiza\u00e7\u00e3o de uma audi\u00eancia pr\u00e9via dos interessados, conforme previsto no C\u00f3digo do Procedimento Administrativo (Decreto-Lei n.\u00ba 4\/2015, de 7 de janeiro). Em resumo, o Aviso n.\u00ba 1\/2025 simplifica o processo de divulga\u00e7\u00e3o de informa\u00e7\u00f5es pelas institui\u00e7\u00f5es financeiras, mantendo o foco na transpar\u00eancia e no acesso \u00e0 informa\u00e7\u00e3o pelos clientes, sem preju\u00edzo da clareza e da compreens\u00e3o do regime de garantia pessoal do Estado.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b231f4c elementor-widget elementor-widget-heading\" data-id=\"b231f4c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">SHARE<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8440de elementor-share-buttons--view-icon elementor-share-buttons--skin-minimal elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"a8440de\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/onelegal.pt\/wp-content\/plugins\/pro-elements\/assets\/css\/widget-share-buttons.min.css\">\t\t<div class=\"elementor-grid\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_facebook\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on facebook\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_twitter\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on twitter\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_linkedin\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on linkedin\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_whatsapp\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on whatsapp\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-whatsapp\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\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","protected":false},"excerpt":{"rendered":"<p>Other Posts Play No dia, 17 de Janeiro de 2025, o Banco de Portugal emitiu o Aviso n.\u00ba 1\/2025, que introduz uma atualiza\u00e7\u00e3o relacionada ao regime de garantia pessoal do Estado para a concess\u00e3o de cr\u00e9dito \u00e0 habita\u00e7\u00e3o pr\u00f3pria e permanente a jovens at\u00e9 35 anos, conforme estabelecido no Decreto-Lei n.\u00ba 44\/2024, de 10 de [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":8347,"comment_status":"open","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[39,67],"tags":[],"class_list":["post-8345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-pt-pt","category-novidades"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Portugal | Banco de Portugal altera o Aviso relativo \u00e0 presta\u00e7\u00e3o de informa\u00e7\u00e3o aos clientes banc\u00e1rios sobre o regime de garantia pessoal do Estado para a concess\u00e3o de cr\u00e9dito \u00e0 habita\u00e7\u00e3o pr\u00f3pria e permanente a jovens at\u00e9 35 anos. - OneLegal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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