{"id":48633,"date":"2024-08-22T08:45:00","date_gmt":"2024-08-22T06:45:00","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=48633"},"modified":"2024-08-21T17:47:28","modified_gmt":"2024-08-21T15:47:28","slug":"como-esta-a-evoluir-o-mercado-hipotecario","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/","title":{"rendered":"Como est\u00e1 a evoluir o mercado hipotec\u00e1rio?"},"content":{"rendered":"\n

O mercado hipotec\u00e1rio avan\u00e7a timidamente na sua recupera\u00e7\u00e3o, embora n\u00e3o esteja isento de flutua\u00e7\u00f5es. Segundo os \u00faltimos dados sobre hipotecas publicados pelo Instituto Nacional de Estat\u00edstica (INE)<\/a>, referentes ao m\u00eas de maio, a assinatura de hipotecas voltou a n\u00fameros negativos ap\u00f3s ter visto uma ligeira recupera\u00e7\u00e3o em abril. Se no quarto m\u00eas do ano as opera\u00e7\u00f5es aumentaram 28%<\/strong>, registando o melhor m\u00eas de abril em 14 anos (34.264 hipotecas), os valores de maio (27.435) desceram 18,2%. A Andaluzia (5.496), Madrid (5.494) e a Catalunha (5.241) foram as regi\u00f5es que registaram o maior n\u00famero de hipotecas constitu\u00eddas sobre habita\u00e7\u00f5es em maio deste ano.<\/p>\n\n\n\n

Entretanto, as transa\u00e7\u00f5es de compra e venda<\/a> de im\u00f3veis ca\u00edram 21,5%, aguardando novas redu\u00e7\u00f5es nas taxas de juro. Maio terminou com 44.013 opera\u00e7\u00f5es e abril terminou com 53.091, a segunda melhor marca do ano. Estes n\u00fameros evidenciam as dificuldades de acesso \u00e0 habita\u00e7\u00e3o, com cada vez menos oferta dispon\u00edvel para venda<\/a> e condi\u00e7\u00f5es de financiamento muito exigentes.<\/p>\n\n\n\n

Por seu lado, o Banco Central Europeu (BCE) acaba de anunciar que manter\u00e1 as taxas de juro est\u00e1veis nos atuais 4,25% <\/a>e s\u00f3 em setembro voltar\u00e1 a avaliar a decis\u00e3o de fazer cortes ou n\u00e3o. Muitos futuros propriet\u00e1rios est\u00e3o atentos \u00e0 evolu\u00e7\u00e3o do \u00edndice de refer\u00eancia para avan\u00e7ar na compra de uma casa e solicitar um empr\u00e9stimo hipotec\u00e1rio. E \u00e9 que a redu\u00e7\u00e3o das taxas de juro ser\u00e1 a chave para a recupera\u00e7\u00e3o do mercado hipotec\u00e1rio em 2024.<\/a><\/p>\n\n\n\n

Perfil dos solicitantes de empr\u00e9stimos hipotec\u00e1rios<\/strong><\/h2>\n\n\n\n

Mas, quem assina as hipotecas em Espanha? De acordo com um estudo recente realizado pelo Conselho Geral do Notariado<\/a>, por ocasi\u00e3o do quinto anivers\u00e1rio da Lei que regula os contratos de cr\u00e9dito imobili\u00e1rio (LCCI),<\/a> a faixa et\u00e1ria em que mais hipotecas s\u00e3o contratadas em Espanha situa-se entre os 35 e os 44 anos<\/strong> (33,4% do total). Segue-se o grupo com idades compreendidas entre 45 e 54 anos, com 29,6%, e entre 25 e 34 anos, com 20,9%.<\/p>\n\n\n\n

As conclus\u00f5es desta an\u00e1lise indicam tamb\u00e9m que no primeiro trimestre do ano 51,8% dos futuros contratantes de empr\u00e9stimos hipotec\u00e1rios eram homens e 48,2% mulheres. E em 53,9% dos casos as hipotecas foram solicitadas por duas pessoas.<\/p>\n\n\n\n

Al\u00e9m disso, 89,7% dos signat\u00e1rios de atas notariais de transpar\u00eancia anteriores \u00e0s hipotecas eram de origem nacional, em compara\u00e7\u00e3o com 10,3% de estrangeiros. Neste caso, o relat\u00f3rio anual do mercado hipotec\u00e1rio em 2023 do Idealista<\/a> revela que os estrangeiros que mais assinaram hipotecas em 2023 foram os brit\u00e2nicos, com 15,5% do total, seguidos pelos alem\u00e3es (14,1%) e pelos su\u00ed\u00e7os (9%). \u00c9 importante destacar que as condi\u00e7\u00f5es das hipotecas para os n\u00e3o-residentes s\u00e3o mais restritivas do que para os residentes, uma vez que, em vez de cobrir 80% do valor da avalia\u00e7\u00e3o do im\u00f3vel, cobrem entre 70% e 60%.<\/p>\n\n\n\n

O esfor\u00e7o para comprar uma casa est\u00e1 a aumentar<\/strong><\/h2>\n\n\n\n

Hoje em dia, aceder a uma habita\u00e7\u00e3o em Espanha requer muito mais esfor\u00e7o do que h\u00e1 v\u00e1rias d\u00e9cadas. Um esfor\u00e7o que disparou especialmente nos \u00faltimos anos, a tal ponto que os espanh\u00f3is dedicam o sal\u00e1rio integral de 6,7 anos (81 meses) ao pagamento da hipoteca<\/strong>, segundo o estudo \u201cRela\u00e7\u00e3o entre sal\u00e1rios e a compra de habita\u00e7\u00e3o em 2023<\/a>\u201d<\/strong>, realizado pelo Fotocasa e InfoJobs. As Ilhas Baleares s\u00e3o a regi\u00e3o onde a maior parte do sal\u00e1rio bruto \u00e9 dedicada ao pagamento de uma propriedade (12 anos). Os residentes em Ciudad Real, por outro lado, dedicam 2,8 anos.<\/p>\n","protected":false},"excerpt":{"rendered":"

A faixa et\u00e1ria em que se contratam mais hipotecas em Espanha situa-se entre os 35 e os 44 anos.<\/p>\n","protected":false},"author":1,"featured_media":48689,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[1029],"tags":[1155],"class_list":["post-48633","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investimento-imobiliario-pt-pt","tag-hipotecas-pt-pt"],"yoast_head":"\nComo est\u00e1 a evoluir o mercado hipotec\u00e1rio? - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"O mercado hipotec\u00e1rio est\u00e1 a recuperar timidamente, embora a assinatura de hipotecas tenha regressado a n\u00fameros negativos ap\u00f3s ver a luz em abril.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Como est\u00e1 a evoluir o mercado hipotec\u00e1rio em Espanha?\" \/>\n<meta property=\"og:description\" content=\"O esfor\u00e7o para pagar uma hipoteca aumentou em Espanha em compara\u00e7\u00e3o com d\u00e9cadas anteriores, destinando agora o sal\u00e1rio integral de 6,7 anos.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/\" \/>\n<meta property=\"og:site_name\" content=\"Urbanitae Blog | As melhores not\u00edcias sobre investimentos imobili\u00e1rios\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/urbanitae\" \/>\n<meta property=\"article:published_time\" content=\"2024-08-22T06:45:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2024\/08\/mercado-hipetcario.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1400\" \/>\n\t<meta property=\"og:image:height\" content=\"735\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Equipo Urbanitae\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@urbanitae\" \/>\n<meta name=\"twitter:site\" content=\"@urbanitae\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Equipo Urbanitae\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tempo estimado de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/\"},\"author\":{\"name\":\"Equipo Urbanitae\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/#\\\/schema\\\/person\\\/e7b2d152f5654066832c53f5aa04fbf7\"},\"headline\":\"Como est\u00e1 a evoluir o mercado hipotec\u00e1rio?\",\"datePublished\":\"2024-08-22T06:45:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/\"},\"wordCount\":602,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/mercado-hipetcario.webp\",\"keywords\":[\"hipotecas\"],\"articleSection\":[\"Investimento imobili\u00e1rio\"],\"inLanguage\":\"pt-PT\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/#respond\"]}]},{\"@type\":[\"WebPage\",\"ItemPage\"],\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/\",\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/\",\"name\":\"Como est\u00e1 a evoluir o mercado hipotec\u00e1rio? - Urbanitae Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/mercado-hipetcario.webp\",\"datePublished\":\"2024-08-22T06:45:00+00:00\",\"description\":\"O mercado hipotec\u00e1rio est\u00e1 a recuperar timidamente, embora a assinatura de hipotecas tenha regressado a n\u00fameros negativos ap\u00f3s ver a luz em abril.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/#breadcrumb\"},\"inLanguage\":\"pt-PT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-PT\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/#primaryimage\",\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/mercado-hipetcario.webp\",\"contentUrl\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/mercado-hipetcario.webp\",\"width\":1400,\"height\":735,\"caption\":\"O mercado hipotec\u00e1rio avan\u00e7a timidamente na sua recupera\u00e7\u00e3o, embora n\u00e3o esteja isento de oscila\u00e7\u00f5es.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/2024\\\/08\\\/22\\\/como-esta-a-evoluir-o-mercado-hipotecario\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Como est\u00e1 a evoluir o mercado hipotec\u00e1rio?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/#website\",\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/\",\"name\":\"Urbanitae Blog | Las mejores noticias sobre inversi\u00f3n inmobiliaria\",\"description\":\"Investimento imobili\u00e1rio ao alcance de todos\",\"publisher\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-PT\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/#organization\",\"name\":\"Urbanitae\",\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-PT\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/2020\\\/04\\\/logo-verde_350x100.svg\",\"contentUrl\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/2020\\\/04\\\/logo-verde_350x100.svg\",\"width\":350,\"height\":100,\"caption\":\"Urbanitae\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/urbanitae\",\"https:\\\/\\\/x.com\\\/urbanitae\",\"https:\\\/\\\/www.instagram.com\\\/urbanitae\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/urbanitae\",\"https:\\\/\\\/www.pinterest.es\\\/UrbanitaeSL\\\/_created\\\/\",\"https:\\\/\\\/www.youtube.com\\\/c\\\/Urbanitae_RE\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/#\\\/schema\\\/person\\\/e7b2d152f5654066832c53f5aa04fbf7\",\"name\":\"Equipo Urbanitae\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-PT\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/609fc476d418cc335b448bbedc29eaff37167c473b42f9ca55d41a91a3f0a1df?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/609fc476d418cc335b448bbedc29eaff37167c473b42f9ca55d41a91a3f0a1df?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/609fc476d418cc335b448bbedc29eaff37167c473b42f9ca55d41a91a3f0a1df?s=96&d=mm&r=g\",\"caption\":\"Equipo Urbanitae\"},\"sameAs\":[\"https:\\\/\\\/urbanitae.com\"],\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/pt-pt\\\/author\\\/urbanitae\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Como est\u00e1 a evoluir o mercado hipotec\u00e1rio? - Urbanitae Blog","description":"O mercado hipotec\u00e1rio est\u00e1 a recuperar timidamente, embora a assinatura de hipotecas tenha regressado a n\u00fameros negativos ap\u00f3s ver a luz em abril.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/","og_locale":"pt_PT","og_type":"article","og_title":"Como est\u00e1 a evoluir o mercado hipotec\u00e1rio em Espanha?","og_description":"O esfor\u00e7o para pagar uma hipoteca aumentou em Espanha em compara\u00e7\u00e3o com d\u00e9cadas anteriores, destinando agora o sal\u00e1rio integral de 6,7 anos.","og_url":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/","og_site_name":"Urbanitae Blog | As melhores not\u00edcias sobre investimentos imobili\u00e1rios","article_publisher":"https:\/\/www.facebook.com\/urbanitae","article_published_time":"2024-08-22T06:45:00+00:00","og_image":[{"width":1400,"height":735,"url":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2024\/08\/mercado-hipetcario.webp","type":"image\/webp"}],"author":"Equipo Urbanitae","twitter_card":"summary_large_image","twitter_creator":"@urbanitae","twitter_site":"@urbanitae","twitter_misc":{"Escrito por":"Equipo Urbanitae","Tempo estimado de leitura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["Article","BlogPosting"],"@id":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/#article","isPartOf":{"@id":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/"},"author":{"name":"Equipo Urbanitae","@id":"https:\/\/blog.urbanitae.com\/pt-pt\/#\/schema\/person\/e7b2d152f5654066832c53f5aa04fbf7"},"headline":"Como est\u00e1 a evoluir o mercado hipotec\u00e1rio?","datePublished":"2024-08-22T06:45:00+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/"},"wordCount":602,"commentCount":0,"publisher":{"@id":"https:\/\/blog.urbanitae.com\/pt-pt\/#organization"},"image":{"@id":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2024\/08\/mercado-hipetcario.webp","keywords":["hipotecas"],"articleSection":["Investimento imobili\u00e1rio"],"inLanguage":"pt-PT","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/#respond"]}]},{"@type":["WebPage","ItemPage"],"@id":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/","url":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/","name":"Como est\u00e1 a evoluir o mercado hipotec\u00e1rio? - Urbanitae Blog","isPartOf":{"@id":"https:\/\/blog.urbanitae.com\/pt-pt\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/#primaryimage"},"image":{"@id":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2024\/08\/mercado-hipetcario.webp","datePublished":"2024-08-22T06:45:00+00:00","description":"O mercado hipotec\u00e1rio est\u00e1 a recuperar timidamente, embora a assinatura de hipotecas tenha regressado a n\u00fameros negativos ap\u00f3s ver a luz em abril.","breadcrumb":{"@id":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/#breadcrumb"},"inLanguage":"pt-PT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/"]}]},{"@type":"ImageObject","inLanguage":"pt-PT","@id":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/#primaryimage","url":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2024\/08\/mercado-hipetcario.webp","contentUrl":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2024\/08\/mercado-hipetcario.webp","width":1400,"height":735,"caption":"O mercado hipotec\u00e1rio avan\u00e7a timidamente na sua recupera\u00e7\u00e3o, embora n\u00e3o esteja isento de oscila\u00e7\u00f5es."},{"@type":"BreadcrumbList","@id":"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/08\/22\/como-esta-a-evoluir-o-mercado-hipotecario\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/blog.urbanitae.com\/pt-pt\/"},{"@type":"ListItem","position":2,"name":"Como est\u00e1 a evoluir o mercado hipotec\u00e1rio?"}]},{"@type":"WebSite","@id":"https:\/\/blog.urbanitae.com\/pt-pt\/#website","url":"https:\/\/blog.urbanitae.com\/pt-pt\/","name":"Urbanitae Blog | Las mejores noticias sobre inversi\u00f3n inmobiliaria","description":"Investimento imobili\u00e1rio ao alcance de todos","publisher":{"@id":"https:\/\/blog.urbanitae.com\/pt-pt\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blog.urbanitae.com\/pt-pt\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-PT"},{"@type":"Organization","@id":"https:\/\/blog.urbanitae.com\/pt-pt\/#organization","name":"Urbanitae","url":"https:\/\/blog.urbanitae.com\/pt-pt\/","logo":{"@type":"ImageObject","inLanguage":"pt-PT","@id":"https:\/\/blog.urbanitae.com\/pt-pt\/#\/schema\/logo\/image\/","url":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2020\/04\/logo-verde_350x100.svg","contentUrl":"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2020\/04\/logo-verde_350x100.svg","width":350,"height":100,"caption":"Urbanitae"},"image":{"@id":"https:\/\/blog.urbanitae.com\/pt-pt\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/urbanitae","https:\/\/x.com\/urbanitae","https:\/\/www.instagram.com\/urbanitae","https:\/\/www.linkedin.com\/company\/urbanitae","https:\/\/www.pinterest.es\/UrbanitaeSL\/_created\/","https:\/\/www.youtube.com\/c\/Urbanitae_RE"]},{"@type":"Person","@id":"https:\/\/blog.urbanitae.com\/pt-pt\/#\/schema\/person\/e7b2d152f5654066832c53f5aa04fbf7","name":"Equipo Urbanitae","image":{"@type":"ImageObject","inLanguage":"pt-PT","@id":"https:\/\/secure.gravatar.com\/avatar\/609fc476d418cc335b448bbedc29eaff37167c473b42f9ca55d41a91a3f0a1df?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/609fc476d418cc335b448bbedc29eaff37167c473b42f9ca55d41a91a3f0a1df?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/609fc476d418cc335b448bbedc29eaff37167c473b42f9ca55d41a91a3f0a1df?s=96&d=mm&r=g","caption":"Equipo Urbanitae"},"sameAs":["https:\/\/urbanitae.com"],"url":"https:\/\/blog.urbanitae.com\/pt-pt\/author\/urbanitae\/"}]}},"modified_by":null,"_links":{"self":[{"href":"https:\/\/blog.urbanitae.com\/pt-pt\/wp-json\/wp\/v2\/posts\/48633","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.urbanitae.com\/pt-pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.urbanitae.com\/pt-pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.urbanitae.com\/pt-pt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.urbanitae.com\/pt-pt\/wp-json\/wp\/v2\/comments?post=48633"}],"version-history":[{"count":1,"href":"https:\/\/blog.urbanitae.com\/pt-pt\/wp-json\/wp\/v2\/posts\/48633\/revisions"}],"predecessor-version":[{"id":48634,"href":"https:\/\/blog.urbanitae.com\/pt-pt\/wp-json\/wp\/v2\/posts\/48633\/revisions\/48634"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.urbanitae.com\/pt-pt\/wp-json\/wp\/v2\/media\/48689"}],"wp:attachment":[{"href":"https:\/\/blog.urbanitae.com\/pt-pt\/wp-json\/wp\/v2\/media?parent=48633"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.urbanitae.com\/pt-pt\/wp-json\/wp\/v2\/categories?post=48633"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.urbanitae.com\/pt-pt\/wp-json\/wp\/v2\/tags?post=48633"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}