{"id":1157,"date":"2023-03-27T12:09:00","date_gmt":"2023-03-27T12:09:00","guid":{"rendered":"https:\/\/www.optifinance.pt\/frequently-asked-questions\/"},"modified":"2025-05-12T13:46:35","modified_gmt":"2025-05-12T13:46:35","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/www.optifinance.pt\/en\/frequently-asked-questions\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1157\" class=\"elementor elementor-1157 elementor-108\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ee446a elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"6ee446a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5b8b229 jltma-glass-effect-no elementor-invisible\" data-id=\"5b8b229\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\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-54747ac jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"54747ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"color:#008576\">Frequently Asked Questions<span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eddf6fc jltma-glass-effect-no elementor-widget elementor-widget-ma-advanced-accordion jltma-addon ma-advanced-accordion\" data-id=\"eddf6fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;accordion_type&quot;:&quot;accordion&quot;,&quot;toggle_speed&quot;:300}\" data-widget_type=\"ma-advanced-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"jltma-advanced-accordion\" id=\"jltma-advanced-accordion-eddf6fc\" data-accordion-id=\"eddf6fc\" \t\tdata-accordion-id=\"eddf6fc\">\n\t\t\t<div class=\"ma-accordion-wrap ma-accordion-icon-align-right ma-accordion-eddf6fc\"\">\n\n\t\t\t\t\n\t\t\t\t\t<div\n\t\t\t\t\t\tclass=\"jltma-accordion-item elementor-repeater-item-ff3e3e5 \">\n\t\t\t\t\t\t<div id=\"jltma-accordion-tab-title-2491\" class=\"jltma-accordion-tab-title jltma-accordion-header\" tabindex=\"2491\" data-tab=\"1\" role=\"tab\" aria-controls=\"jltma-accordion-tab-content-2491\">\n\t\t\t\t\t\t\t<div class=\"jltma-accordion-title-icon\">\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"jltma-accordion-title-text\">\n\t\t\t\t\t\t\t\t\tQuais as vantagens de recorrer a um intermedi\u00e1rio de cr\u00e9dito?\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"jltma-accordion-toggle-icon\">\n\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"jltma-el-accordion-icon-closed fas fa-minus\"><\/i><i aria-hidden=\"true\" class=\"jltma-el-accordion-icon-opened fas fa-chevron-down\"><\/i>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div id=\"jltma-accordion-tab-content-2491\" class=\"jltma-accordion-tab-content\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"jltma-accordion-tab-title-2491\">\n\t\t\t\t\t\t\t<p>A atividade de intermedia\u00e7\u00e3o de cr\u00e9dito \u00e9 uma atividade regulada e supervisionada pelo Banco de Portugal, da mesma forma como as financeiras e os bancos o s\u00e3o na sua atividade principal de concess\u00e3o de cr\u00e9dito, tamb\u00e9m sujeitas ao mesmo regulador do mercado. Todos os intermedi\u00e1rios de cr\u00e9dito est\u00e3o assim sujeitos \u00e0 lei da intermedia\u00e7\u00e3o de cr\u00e9dito e devem actuar de acordo com o seu registo junto do Banco de Portugal. Sempre que n\u00e3o se verificar, os Clientes podem tamb\u00e9m recorrer diretamente ao regulador atrav\u00e9s da apresenta\u00e7\u00e3o de uma reclama\u00e7\u00e3o.<\/p><p>A autoriza\u00e7\u00e3o do desempenho da atividade de intermedia\u00e7\u00e3o de cr\u00e9dito \u00e9 feita tendo em conta diversos aspetos:<\/p><ol><li>Avalia\u00e7\u00e3o da idoneidade da pessoa respons\u00e1vel pela atividade;<\/li><li>Avalia\u00e7\u00e3o de eventuais incompatibilidades no desempenho da fun\u00e7\u00e3o;<\/li><li>Avalia\u00e7\u00e3o da experi\u00eancia profissional e habilita\u00e7\u00f5es acad\u00e9micas;<\/li><li>Avalia\u00e7\u00e3o da capacidade organizativa da sociedade, da sua estrutura e seu governo, procedimentos administrativos e contabil\u00edsticos.<\/li><\/ol><p>O desempenho da atividade de intermedia\u00e7\u00e3o de cr\u00e9dito vinculado, permite apresentar aos clientes v\u00e1rias op\u00e7\u00f5es de cr\u00e9dito das diversas entidades dispon\u00edveis no mercado com as quais mant\u00e9m uma rela\u00e7\u00e3o comercial. Este servi\u00e7o permite aumentar a competitividade, fazendo a compara\u00e7\u00e3o de propostas que permitam encontrar a melhor solu\u00e7\u00e3o para cada caso\/ cliente.<\/p>\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div\n\t\t\t\t\t\tclass=\"jltma-accordion-item elementor-repeater-item-210a296 \">\n\t\t\t\t\t\t<div id=\"jltma-accordion-tab-title-2492\" class=\"jltma-accordion-tab-title jltma-accordion-header\" tabindex=\"2492\" data-tab=\"2\" role=\"tab\" aria-controls=\"jltma-accordion-tab-content-2492\">\n\t\t\t\t\t\t\t<div class=\"jltma-accordion-title-icon\">\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"jltma-accordion-title-text\">\n\t\t\t\t\t\t\t\t\tQuais os custos deste servi\u00e7o?\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"jltma-accordion-toggle-icon\">\n\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"jltma-el-accordion-icon-closed fas fa-minus\"><\/i><i aria-hidden=\"true\" class=\"jltma-el-accordion-icon-opened fas fa-chevron-down\"><\/i>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div id=\"jltma-accordion-tab-content-2492\" class=\"jltma-accordion-tab-content\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"jltma-accordion-tab-title-2492\">\n\t\t\t\t\t\t\t<p>A Optifinance atua enquanto intermedi\u00e1rio de cr\u00e9dito vinculado, o que se traduz na celebra\u00e7\u00e3o de contratos de vincula\u00e7\u00e3o com diversos bancos e entidades financeiras, a actuar no mercado portugu\u00eas. Neste sentido, a Optifinance \u00e9 remunerada por estes parceiros e n\u00e3o pelo cliente final.<\/p>\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div\n\t\t\t\t\t\tclass=\"jltma-accordion-item elementor-repeater-item-a7b43af \">\n\t\t\t\t\t\t<div id=\"jltma-accordion-tab-title-2493\" class=\"jltma-accordion-tab-title jltma-accordion-header\" tabindex=\"2493\" data-tab=\"3\" role=\"tab\" aria-controls=\"jltma-accordion-tab-content-2493\">\n\t\t\t\t\t\t\t<div class=\"jltma-accordion-title-icon\">\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"jltma-accordion-title-text\">\n\t\t\t\t\t\t\t\t\tQuais os documentos necess\u00e1rios para solicitar um cr\u00e9dito?\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"jltma-accordion-toggle-icon\">\n\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"jltma-el-accordion-icon-closed fas fa-minus\"><\/i><i aria-hidden=\"true\" class=\"jltma-el-accordion-icon-opened fas fa-chevron-down\"><\/i>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div id=\"jltma-accordion-tab-content-2493\" class=\"jltma-accordion-tab-content\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"jltma-accordion-tab-title-2493\">\n\t\t\t\t\t\t\t<p>Para verificar a identidade do proponente\/ proponentes, v\u00ednculo laboral, rendimentos auferidos, entre outros, ser\u00e1 necess\u00e1ria a recolha de alguns documentos. Todos os documentos submetidos estar\u00e3o protegidos sob as regras de protec\u00e7\u00e3o, tratamento, armazenamento e livre circula\u00e7\u00e3o de dados pessoais definidos pela Uni\u00e3o Europeia, o chamado RGPD - Regulamento Geral sobre a Prote\u00e7\u00e3o de Dados:<\/p><ul><li>C\u00f3pia do cart\u00e3o de cidad\u00e3o ou autoriza\u00e7\u00e3o de resid\u00eancia para outras nacionalidades;<\/li><li>C\u00f3pias dos recibos de vencimento dos \u00faltimos 3 meses para trabalhadores por conta de outrem, comprovativos de reforma ou a \u00faltima declara\u00e7\u00e3o de IRS para trabalhadores por conta pr\u00f3pria;<\/li><li>C\u00f3pia da declara\u00e7\u00e3o de IRS modelo 3 do ano anterior (<a href=\"http:\/\/www.portaldasfinancas.gov.pt\">portaldasfinancas.gov.pt<\/a>)<\/li><li>Central das responsabilidades de cr\u00e9dito do Banco de Portugal (<a href=\"http:\/\/www.bportugal.pt\">www.bportugal.pt<\/a>)<\/li><li>3 \u00faltimos extratos banc\u00e1rios de todas as contas banc\u00e1rias<\/li><li>Comprovativo de morada<\/li><li>Comprovativo de IBAN<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b1be2a1 animated-slow jltma-glass-effect-no elementor-invisible\" data-id=\"b1be2a1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\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-cc540f2 e-transform jltma-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"cc540f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.1,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1180\" height=\"1000\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_faqs_green-1.jpg\" class=\"elementor-animation-hang attachment-full size-full wp-image-1145\" alt=\"\" srcset=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_faqs_green-1.jpg 1180w, https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_faqs_green-1-300x254.jpg 300w, https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_faqs_green-1-1024x868.jpg 1024w, https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_faqs_green-1-768x651.jpg 768w\" sizes=\"(max-width: 1180px) 100vw, 1180px\" \/>\t\t\t\t\t\t\t\t\t\t\t\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>Frequently Asked Questions Quais as vantagens de recorrer a um intermedi\u00e1rio de cr\u00e9dito? A atividade de intermedia\u00e7\u00e3o de cr\u00e9dito \u00e9 uma atividade regulada e supervisionada pelo Banco de Portugal, da mesma forma como as financeiras e os bancos o s\u00e3o na sua atividade principal de concess\u00e3o de cr\u00e9dito, tamb\u00e9m sujeitas ao mesmo regulador do mercado. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-1157","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Frequently Asked Questions - optifinance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.optifinance.pt\/en\/frequently-asked-questions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Frequently Asked Questions - optifinance\" \/>\n<meta property=\"og:description\" content=\"Frequently Asked Questions Quais as vantagens de recorrer a um intermedi\u00e1rio de cr\u00e9dito? A atividade de intermedia\u00e7\u00e3o de cr\u00e9dito \u00e9 uma atividade regulada e supervisionada pelo Banco de Portugal, da mesma forma como as financeiras e os bancos o s\u00e3o na sua atividade principal de concess\u00e3o de cr\u00e9dito, tamb\u00e9m sujeitas ao mesmo regulador do mercado. 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