{"id":1413,"date":"2025-05-14T10:39:02","date_gmt":"2025-05-14T10:39:02","guid":{"rendered":"https:\/\/www.optifinance.pt\/home-2\/"},"modified":"2025-05-14T10:46:20","modified_gmt":"2025-05-14T10:46:20","slug":"home-2","status":"publish","type":"page","link":"https:\/\/www.optifinance.pt\/en\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1413\" class=\"elementor elementor-1413 elementor-1404\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-eb38699 elementor-section-full_width elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"eb38699\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;triangle-asymmetrical&quot;,&quot;shape_divider_top_negative&quot;:&quot;yes&quot;,&quot;shape_divider_bottom&quot;:&quot;triangle-asymmetrical&quot;,&quot;shape_divider_bottom_negative&quot;:&quot;yes&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"true\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M737.9,94.7L0,0v100h1000V0L737.9,94.7z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"true\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M737.9,94.7L0,0v100h1000V0L737.9,94.7z\"\/>\n<\/svg>\t\t<\/div>\n\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-b2ec604 jltma-glass-effect-no\" data-id=\"b2ec604\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0e358d2 elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"0e358d2\" data-element_type=\"section\" data-e-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-inner-column elementor-element elementor-element-6caf64d jltma-glass-effect-no\" data-id=\"6caf64d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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-inner-section elementor-element elementor-element-8c2564c elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"8c2564c\" data-element_type=\"section\" data-e-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-50 elementor-inner-column elementor-element elementor-element-06078cf jltma-glass-effect-no\" data-id=\"06078cf\" data-element_type=\"column\" data-e-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-0db5644 elementor-hidden-desktop elementor-hidden-tablet jltma-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"0db5644\" data-element_type=\"widget\" data-e-type=\"widget\" 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=\"800\" height=\"856\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/05\/house-exp01.svg\" class=\"attachment-large size-large wp-image-1127\" alt=\"\" \/>\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<div class=\"elementor-element elementor-element-bd30edf elementor-hidden-mobile jltma-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"bd30edf\" data-element_type=\"widget\" data-e-type=\"widget\" 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=\"800\" height=\"856\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/05\/house-exp01.svg\" class=\"attachment-large size-large wp-image-1127\" alt=\"\" \/>\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<div class=\"elementor-element elementor-element-d576b6d jltma-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"d576b6d\" data-element_type=\"widget\" data-e-type=\"widget\" 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\">Mortgage Loan <span style=\"color:#008576\"><span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76cca2d jltma-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"76cca2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A mortgage loan aims to finance the acquisition of a primary residence, a second home, the purchase of property for investment, or construction.<\/p><p>Finding the best mortgage loan options is a time-consuming and bureaucratic process.<\/p><p><strong>Optifinance does this work for you \u2013 at no cost. <\/strong><\/p><p>With access to the main Portuguese banks, we find the bank that offers the best conditions for your situation, avoiding bureaucracy, reducing procedural costs, and obtaining the best market conditions.<\/p>\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bc5b4f2 jltma-glass-effect-no\" data-id=\"bc5b4f2\" data-element_type=\"column\" data-e-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-c8f0b39 jltma-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"c8f0b39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><form class=\"form-cred\" id=\"credito-habitacao\">\n                        <div class=\"my-2\">\n                            <label class=\"my-2 fw-normal\">Purpose of Loan:<\/label>\n                            <div class=\"row g-3\">\n                                <select class=\"form-select\" name=\"finalidadeCredito\">\n                                <option value=\"Select\">Select<\/option><option value=\"Buy\">Buy<\/option><option value=\"Build\">Build<\/option><option value=\"Renovate\">Renovate<\/option><option value=\"Transfer\">Transfer<\/option><option value=\"Others\">Others<\/option>\n                                <\/select>\n                            <\/div>\n                        <\/div>\n                        \n                    <div class=\"my-2\">\n                        <label class=\"my-2 fw-normal\">Property acquisition value:<span id=\"valorAquisicao-val\" class=\"fw-bold\">75.000<\/span><span class=\"fw-bold\">\u20ac<\/span><\/label>\n                            <div class=\"d-flex justify-content-between\">\n                                <div style=\"width:30px;>\n                                    <small class=\"text-muted\" style=\"vertical-align: baseline;\">75.000\u20ac<\/small>\n                                <\/div>\n                                <div style=\"width:85%;\" class=\"opt-input-width px-3\">\n                                    <input data-format=currency class=\"form-range\" name=\"valorAquisicao\" id=\"valorAquisicao\"type=\"range\" min=75000 max=\"2000000\"value=\"75000\">\n                                <\/div>\n                                <div style=\"width:30px;>\n                                    <small class=\"text-muted\" style=\"vertical-align: baseline;\">2.000.000\u20ac<\/small>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n                    \n                    <div class=\"my-2\">\n                        <label class=\"my-2 fw-normal\">Financed amount:<span id=\"montanteFinanciado-val\" class=\"fw-bold\">75.000<\/span><span class=\"fw-bold\">\u20ac<\/span><\/label>\n                            <div class=\"d-flex justify-content-between\">\n                                <div style=\"width:30px;>\n                                    <small class=\"text-muted\" style=\"vertical-align: baseline;\">75.000\u20ac<\/small>\n                                <\/div>\n                                <div style=\"width:85%;\" class=\"opt-input-width px-3\">\n                                    <input data-format=currency class=\"form-range\" name=\"montanteFinanciado\" id=\"montanteFinanciado\"type=\"range\" min=75000 max=\"2000000\"value=\"75000\">\n                                <\/div>\n                                <div style=\"width:30px;>\n                                    <small class=\"text-muted\" style=\"vertical-align: baseline;\">2.000.000\u20ac<\/small>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n                    \n                    <div class=\"my-2\">\n                        <label class=\"my-2 fw-normal\">Term:<span id=\"prazo-val\" class=\"fw-bold\">5<\/span><span class=\"fw-bold\"><\/span><\/label>\n                            <div class=\"d-flex justify-content-between\">\n                                <div style=\"width:30px;>\n                                    <small class=\"text-muted\" style=\"vertical-align: baseline;\">5<\/small>\n                                <\/div>\n                                <div style=\"width:85%;\" class=\"opt-input-width px-3\">\n                                    <input data-format=currency class=\"form-range\" name=\"prazo\" id=\"prazo\"type=\"range\" min=5 max=\"40\"value=\"5\">\n                                <\/div>\n                                <div style=\"width:30px;>\n                                    <small class=\"text-muted\" style=\"vertical-align: baseline;\">40<\/small>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n                    \n                    <div class=\"my-2\">\n                        <label class=\"my-2 fw-normal\">Net monthly income:<span id=\"rendimentoMensal-val\" class=\"fw-bold\">700<\/span><span class=\"fw-bold\">\u20ac<\/span><\/label>\n                            <div class=\"d-flex justify-content-between\">\n                                <div style=\"width:30px;>\n                                    <small class=\"text-muted\" style=\"vertical-align: baseline;\">700\u20ac<\/small>\n                                <\/div>\n                                <div style=\"width:85%;\" class=\"opt-input-width px-3\">\n                                    <input data-format=currency class=\"form-range\" name=\"rendimentoMensal\" id=\"rendimentoMensal\"type=\"range\" min=700 max=\"10000\"value=\"700\">\n                                <\/div>\n                                <div style=\"width:30px;>\n                                    <small class=\"text-muted\" style=\"vertical-align: baseline;\">10.000\u20ac<\/small>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n                    \n                    <div class=\"my-2\">\n                        <label class=\"my-2 fw-normal\">Number of household members:<\/label>\n                        <div class=\"d-flex align-items-center my-2 \" style=\"width:160px;\">\n                            <span data-input-num=\"-\" data-input-id=\"agregados-num\"  class=\"btn w-25\">-<\/span>\n                            <input class=\"mx-2 member-input\" type=\"number\" name=\"agregados\" id=\"agregados-num\" value=0>\n                            <span data-input-num=\"+\" data-input-id=\"agregados-num\" class=\"w-25 btn\">+<\/span>\n                        <\/div>\n                    <\/div>\n                    \n                    <div class=\"my-2\">\n                        <label class=\"my-2 fw-normal\">Monthly credit expenses: <span id=\"despesasMensais-val\" class=\"fw-bold\">0<\/span><span class=\"fw-bold\">\u20ac<\/span><\/label>\n                            <div class=\"d-flex justify-content-between\">\n                                <div style=\"width:30px;>\n                                    <small class=\"text-muted\" style=\"vertical-align: baseline;\">0\u20ac<\/small>\n                                <\/div>\n                                <div style=\"width:85%;\" class=\"opt-input-width px-3\">\n                                    <input data-format=currency class=\"form-range\" name=\"despesasMensais\" id=\"despesasMensais\"type=\"range\" min=0 max=\"5000\"value=\"0\">\n                                <\/div>\n                                <div style=\"width:30px;>\n                                    <small class=\"text-muted\" style=\"vertical-align: baseline;\">5.000\u20ac<\/small>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n                    \n                        <div class=\"my-2\">\n                            <label class=\"my-2 fw-normal\">Do you have overdue installments? <\/label>\n                            <div class=\"row g-3\">\n                                <select class=\"form-select\" name=\"prestacaoEmAtraso\">\n                                <option value=\"Yes\">Yes<\/option><option value=\"No\">No<\/option>\n                                <\/select>\n                            <\/div>\n                        <\/div>\n                        \n                        <div class=\"my-2\">\n                            <label class=\"my-2 fw-normal\">Professional Situation: <\/label>\n                            <div class=\"row g-3\">\n                                <select class=\"form-select\" name=\"situacaoProfissional\">\n                                <option value=\"Select\">Select<\/option><option value=\"Private Sector\">Private Sector<\/option><option value=\"Public Sector\">Public Sector<\/option><option value=\"Liberal Professional\">Liberal Professional<\/option><option value=\"Unemployed\">Unemployed<\/option><option value=\"Retired\">Retired<\/option><option value=\"Other\">Other<\/option>\n                                <\/select>\n                            <\/div>\n                        <\/div>\n                        \n            <div class=\"text-center my-4\">\n                <input id=\"form-submit\" type=\"submit\" class=\"bg-dark text-white btn-outline-dark border-0\" value=\"Evaluate New Credit\" \/>\n            <\/div>\n            <\/form> <\/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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9f3622 elementor-absolute jltma-glass-effect-no elementor-widget elementor-widget-html\" data-id=\"a9f3622\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"area\">\r\n            <ul class=\"circles\">\r\n                    <li><img decoding=\"async\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/03\/element.svg\" alt=\"\"><\/li>\r\n                    <li><img decoding=\"async\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/03\/element.svg\" alt=\"\"><\/li>\r\n                    <li><img decoding=\"async\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/03\/element.svg\" alt=\"\"><\/li>\r\n                    <li><img decoding=\"async\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/03\/element.svg\" alt=\"\"><\/li>\r\n                    <li><img decoding=\"async\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/03\/element.svg\" alt=\"\"><\/li>\r\n                    <li><img decoding=\"async\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/03\/element.svg\" alt=\"\"><\/li>\r\n                    <li><img decoding=\"async\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/03\/element.svg\" alt=\"\"><\/li>\r\n                    <li><img decoding=\"async\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/03\/element.svg\" alt=\"\"><\/li>\r\n                    <li><img decoding=\"async\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/03\/element.svg\" alt=\"\"><\/li>\r\n                    <li><img decoding=\"async\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/03\/element.svg\" alt=\"\"><\/li>\r\n            <\/ul>\r\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-46beff1 elementor-section-full_width elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"46beff1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;shape_divider_top&quot;:&quot;triangle-asymmetrical&quot;,&quot;shape_divider_top_negative&quot;:&quot;yes&quot;,&quot;shape_divider_bottom&quot;:&quot;triangle-asymmetrical&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"true\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M737.9,94.7L0,0v100h1000V0L737.9,94.7z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M738,99l262-93V0H0v5.6L738,99z\"\/>\n<\/svg>\t\t<\/div>\n\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-afdebf3 jltma-glass-effect-no\" data-id=\"afdebf3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-64fee66 elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"64fee66\" data-element_type=\"section\" data-e-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-inner-column elementor-element elementor-element-ef9f7f3 jltma-glass-effect-no\" data-id=\"ef9f7f3\" data-element_type=\"column\" data-e-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-b25abea jltma-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"b25abea\" data-element_type=\"widget\" data-e-type=\"widget\" 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\">Our <span style=\"color:#008576\">solutions<span><\/h2>\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-inner-section elementor-element elementor-element-af1121f elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"af1121f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-inner-column elementor-element elementor-element-f12cfa5 jltma-glass-effect-no\" data-id=\"f12cfa5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1533dde elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no elementor-invisible\" data-id=\"1533dde\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;animation_delay&quot;:300,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\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-50 elementor-inner-column elementor-element elementor-element-60aa2ce jltma-glass-effect-no\" data-id=\"60aa2ce\" data-element_type=\"column\" data-e-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-086d22f jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-image\" data-id=\"086d22f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;_animation_delay&quot;:400}\" 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 decoding=\"async\" width=\"800\" height=\"856\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/03\/icon-house.svg\" class=\"attachment-large size-large wp-image-1117\" alt=\"\" \/>\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b7a10fb jltma-glass-effect-no\" data-id=\"b7a10fb\" data-element_type=\"column\" data-e-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-abf9ac2 jltma-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"abf9ac2\" data-element_type=\"widget\" data-e-type=\"widget\" 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-large\">Mortgage Loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6bdd77 jltma-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"a6bdd77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Acquisition of a primary residence, a second home, the purchase of a property for investment, or a home construction. Why choose Optifinance? <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76b716f elementor-icon-list--layout-inline elementor-list-item-link-full_width jltma-glass-effect-no elementor-widget elementor-widget-icon-list\" data-id=\"76b716f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Personalized advice<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Time-saving<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No costs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cab2fc3 elementor-icon-list--layout-inline elementor-list-item-link-full_width jltma-glass-effect-no elementor-widget elementor-widget-icon-list\" data-id=\"cab2fc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">We negotiate for you best rates<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Several offers so you can compare what the marketing is offering<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d0c694 jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-button\" data-id=\"1d0c694\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.optifinance.pt\/en\/housing\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_2_00000112613063140906066600000017405903199585062333_\" x=\"0px\" y=\"0px\" viewBox=\"0 0 14.8 16.2\" style=\"enable-background:new 0 0 14.8 16.2;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{fill:#FFFFFF;}<\/style><g id=\"Layer_1-2\">\t<path class=\"st0\" d=\"M0.1,3.9C0,6.9,0,9.8,0.1,12.8c0,0.4,0,0.7,0.1,1c0,0.5,0.1,1,0.4,1.5c0.2,0.6,0.7,0.8,1.2,0.8h0   c0.3,0,0.6,0,0.8-0.1c0.7-0.2,1.4-0.5,2.2-0.9c1.9-1,3.8-2.1,5.8-3.3c1-0.6,2-1.2,3-1.9c0.4-0.3,0.8-0.6,1-1   c0.2-0.4,0.3-0.7,0.2-1.1c-0.1-0.4-0.3-0.7-0.4-0.8c-0.4-0.5-0.9-0.9-1.6-1.3c-1.2-0.7-2.5-1.5-3.8-2.3C7.5,2.5,6,1.7,4.3,0.8   C3.7,0.5,2.9,0.1,2,0C1.4-0.1,1,0.2,0.7,0.6C0.4,1,0.3,1.5,0.2,2.1C0.2,2.6,0.1,3.3,0.1,3.9\"><\/path><\/g><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Credit Evaluation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2977ab0 elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no elementor-invisible\" data-id=\"2977ab0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;animation_delay&quot;:200,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\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-50 elementor-inner-column elementor-element elementor-element-d29b92b jltma-glass-effect-no\" data-id=\"d29b92b\" data-element_type=\"column\" data-e-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-60c9fb3 jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-image\" data-id=\"60c9fb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;_animation_delay&quot;:400}\" 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 decoding=\"async\" width=\"800\" height=\"856\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/03\/icon-users.svg\" class=\"attachment-large size-large wp-image-1119\" alt=\"\" \/>\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0975117 jltma-glass-effect-no\" data-id=\"0975117\" data-element_type=\"column\" data-e-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-f2b4853 jltma-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"f2b4853\" data-element_type=\"widget\" data-e-type=\"widget\" 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-large\">Personal Loan <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d40fe45 jltma-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"d40fe45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A personal loan allows you to borrow an amount and repay it through fixed installments over a certain period. Personal loans can be used to pay, per example: <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71cd58a elementor-icon-list--layout-inline elementor-list-item-link-full_width jltma-glass-effect-no elementor-widget elementor-widget-icon-list\" data-id=\"71cd58a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Car loan<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home Improvements<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Holidays<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11b5616 elementor-icon-list--layout-inline elementor-list-item-link-full_width jltma-glass-effect-no elementor-widget elementor-widget-icon-list\" data-id=\"11b5616\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Health Expenses <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Education Expenses<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a13ebf8 jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-button\" data-id=\"a13ebf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.optifinance.pt\/en\/staff\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_2_00000112613063140906066600000017405903199585062333_\" x=\"0px\" y=\"0px\" viewBox=\"0 0 14.8 16.2\" style=\"enable-background:new 0 0 14.8 16.2;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{fill:#FFFFFF;}<\/style><g id=\"Layer_1-2\">\t<path class=\"st0\" d=\"M0.1,3.9C0,6.9,0,9.8,0.1,12.8c0,0.4,0,0.7,0.1,1c0,0.5,0.1,1,0.4,1.5c0.2,0.6,0.7,0.8,1.2,0.8h0   c0.3,0,0.6,0,0.8-0.1c0.7-0.2,1.4-0.5,2.2-0.9c1.9-1,3.8-2.1,5.8-3.3c1-0.6,2-1.2,3-1.9c0.4-0.3,0.8-0.6,1-1   c0.2-0.4,0.3-0.7,0.2-1.1c-0.1-0.4-0.3-0.7-0.4-0.8c-0.4-0.5-0.9-0.9-1.6-1.3c-1.2-0.7-2.5-1.5-3.8-2.3C7.5,2.5,6,1.7,4.3,0.8   C3.7,0.5,2.9,0.1,2,0C1.4-0.1,1,0.2,0.7,0.6C0.4,1,0.3,1.5,0.2,2.1C0.2,2.6,0.1,3.3,0.1,3.9\"><\/path><\/g><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Credit Evaluation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a296e5d elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no elementor-invisible\" data-id=\"a296e5d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;animation_delay&quot;:100,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\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-50 elementor-inner-column elementor-element elementor-element-a57b717 jltma-glass-effect-no\" data-id=\"a57b717\" data-element_type=\"column\" data-e-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-41bf4c8 jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-image\" data-id=\"41bf4c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;_animation_delay&quot;:400}\" 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 loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/05\/icon-consolidado.svg\" class=\"attachment-large size-large wp-image-1122\" alt=\"\" \/>\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b53010a jltma-glass-effect-no\" data-id=\"b53010a\" data-element_type=\"column\" data-e-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-03ae31e jltma-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"03ae31e\" data-element_type=\"widget\" data-e-type=\"widget\" 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-large\">Consolidated Loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0c1f42 jltma-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"a0c1f42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Debt consolidation refers to taking out a new loan to pay off other existing loans or credit cards, by combining multiple debts into a single, larger loan, it\u2019s likely to obtain more favorable payoff terms, such as a lower interest rate\/ lower monthly payment. Some advantages of the consolidated loan are: <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad42641 elementor-icon-list--layout-inline elementor-list-item-link-full_width jltma-glass-effect-no elementor-widget elementor-widget-icon-list\" data-id=\"ad42641\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Monthly savings<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Only one monthly payment to a single creditor<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-595752a elementor-icon-list--layout-inline elementor-list-item-link-full_width jltma-glass-effect-no elementor-widget elementor-widget-icon-list\" data-id=\"595752a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Reduction of total monthly payments<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Monthly cash flow<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15659df jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-button\" data-id=\"15659df\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.optifinance.pt\/en\/consolidated-credit\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_2_00000112613063140906066600000017405903199585062333_\" x=\"0px\" y=\"0px\" viewBox=\"0 0 14.8 16.2\" style=\"enable-background:new 0 0 14.8 16.2;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{fill:#FFFFFF;}<\/style><g id=\"Layer_1-2\">\t<path class=\"st0\" d=\"M0.1,3.9C0,6.9,0,9.8,0.1,12.8c0,0.4,0,0.7,0.1,1c0,0.5,0.1,1,0.4,1.5c0.2,0.6,0.7,0.8,1.2,0.8h0   c0.3,0,0.6,0,0.8-0.1c0.7-0.2,1.4-0.5,2.2-0.9c1.9-1,3.8-2.1,5.8-3.3c1-0.6,2-1.2,3-1.9c0.4-0.3,0.8-0.6,1-1   c0.2-0.4,0.3-0.7,0.2-1.1c-0.1-0.4-0.3-0.7-0.4-0.8c-0.4-0.5-0.9-0.9-1.6-1.3c-1.2-0.7-2.5-1.5-3.8-2.3C7.5,2.5,6,1.7,4.3,0.8   C3.7,0.5,2.9,0.1,2,0C1.4-0.1,1,0.2,0.7,0.6C0.4,1,0.3,1.5,0.2,2.1C0.2,2.6,0.1,3.3,0.1,3.9\"><\/path><\/g><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Credit Evaluation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\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-6c6d99e elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no elementor-invisible\" data-id=\"6c6d99e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;shape_divider_bottom&quot;:&quot;triangle-asymmetrical&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M738,99l262-93V0H0v5.6L738,99z\"\/>\n<\/svg>\t\t<\/div>\n\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-50 elementor-top-column elementor-element elementor-element-8a1ec85 jltma-glass-effect-no elementor-invisible\" data-id=\"8a1ec85\" 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-6781830 jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"6781830\" 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\">Why work with<span style=\"color:#008576\"> Optifinance?<span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd666f7 elementor--h-position-left elementor-pagination-position-inside jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-slides\" data-id=\"fd666f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;navigation&quot;:&quot;dots&quot;,&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;transition&quot;:&quot;fade&quot;,&quot;transition_speed&quot;:500}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\" dir=\"ltr\" data-animation=\"\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-ff03722 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Personalized advice<\/div><div class=\"elementor-slide-description\"><p>Credit intermediaries are specialists who provide advice and guidance tailored to each client.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-9670632 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Time and Effort Savings<\/div><div class=\"elementor-slide-description\"><p>The credit intermediary carries out the customer's research into the different solutions available on the market.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-4187f90 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Several offers so you can compare what the marketing is offering<\/div><div class=\"elementor-slide-description\"><p>By collaborating with various financial institutions, the customer will have access to the best conditions available on the market.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-f93d368 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">We negotiate for you best rates<\/div><div class=\"elementor-slide-description\"><p>Better interest rates and payment terms.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-ce8f70b swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Higher Probability of Credit Approval<\/div><div class=\"elementor-slide-description\"><p>Extensive relations with different financial institutions and reduction of administrative obstacles.<\/p>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\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\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-7ef86e3 animated-slow jltma-glass-effect-no elementor-invisible\" data-id=\"7ef86e3\" 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-e0ecdd0 e-transform elementor-hidden-mobile e-transform jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-image\" data-id=\"e0ecdd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.1,&quot;sizes&quot;:[]},&quot;_transform_scale_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&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 loading=\"lazy\" decoding=\"async\" width=\"1180\" height=\"1000\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_vantagens_green-1.jpg\" class=\"elementor-animation-hang attachment-full size-full wp-image-1143\" alt=\"\" srcset=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_vantagens_green-1.jpg 1180w, https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_vantagens_green-1-300x254.jpg 300w, https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_vantagens_green-1-1024x868.jpg 1024w, https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_vantagens_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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4ac0e5a elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"4ac0e5a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;triangle-asymmetrical&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M738,99l262-93V0H0v5.6L738,99z\"\/>\n<\/svg>\t\t<\/div>\n\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-9e54be9 animated-slow jltma-glass-effect-no elementor-invisible\" data-id=\"9e54be9\" 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-e486a97 elementor-hidden-mobile e-transform jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-image\" data-id=\"e486a97\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&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 loading=\"lazy\" decoding=\"async\" width=\"1180\" height=\"1000\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_simples_green-1.jpg\" class=\"elementor-animation-hang attachment-full size-full wp-image-1144\" alt=\"\" srcset=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_simples_green-1.jpg 1180w, https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_simples_green-1-300x254.jpg 300w, https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_simples_green-1-1024x868.jpg 1024w, https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/07\/optifinance_simples_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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-21c7165 jltma-glass-effect-no elementor-invisible\" data-id=\"21c7165\" 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-ded5a96 jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ded5a96\" 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\">Just 3 Simple Steps <span style=\"color:#008576\"><span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4e0bd31 d-none elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"4e0bd31\" data-element_type=\"section\" data-e-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-50 elementor-inner-column elementor-element elementor-element-23b20a1 jltma-glass-effect-no\" data-id=\"23b20a1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&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-d9cf8e5 jltma-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"d9cf8e5\" data-element_type=\"widget\" data-e-type=\"widget\" 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\">1<\/h2>\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-inner-column elementor-element elementor-element-aeceb81 jltma-glass-effect-no\" data-id=\"aeceb81\" data-element_type=\"column\" data-e-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-f3f007d jltma-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"f3f007d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorem ipsum dolorsit amet, consecteturadipiscingelit. Crasaliquam, nisi egetscelerisqueinterdum, dolormi eleifendante, necultriciesmassametusvitae risus. <\/p>\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 class=\"elementor-element elementor-element-5fd5960 elementor--h-position-left elementor-pagination-position-inside jltma-glass-effect-no elementor-widget elementor-widget-slides\" data-id=\"5fd5960\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;navigation&quot;:&quot;dots&quot;,&quot;transition&quot;:&quot;fade&quot;,&quot;transition_speed&quot;:500}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\" dir=\"ltr\" data-animation=\"\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-ff03722 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-description\"><div class=\"step-row\">\n<img decoding=\"async\" width=\"45\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/06\/icon-passo-1.png\"><\/p>\n<p>Gathering information \/ documentation from the client.<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-1ba2144 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-description\"><div class=\"step-row\">\n<img decoding=\"async\" width=\"45\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/06\/icon-passo-2.png\"><\/p>\n<p>Market analysis and consultation.<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-afe493d swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-description\"><div class=\"step-row\">\n<img decoding=\"async\" width=\"45\" src=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2023\/06\/icon-passo-3.png\"><\/p>\n<p>Presenting proposals and choosing the best solution for the client.<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\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\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-8733224 elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"8733224\" data-element_type=\"section\" data-e-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-1211e02 jltma-glass-effect-no\" data-id=\"1211e02\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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-dd951d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"dd951d8\" 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-8c06444 jltma-glass-effect-no elementor-invisible\" data-id=\"8c06444\" 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-903d378 jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"903d378\" 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-9203f98 jltma-glass-effect-no elementor-widget elementor-widget-accordion\" data-id=\"9203f98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1531\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1531\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What are the advantages of using a mortgage broker?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1531\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1531\"><p>The mortgage broker is highly regulated and supervised by the Bank of Portugal, just like financial institutions and banks in their main credit granting activity, also subject to the same market regulator. All mortgage brokers are thus subject to strict laws and must act according to their registration with the Bank of Portugal. Whenever this is not verified, clients can also directly contact the regulator by filing a complaint.  <\/p>\n<p>The authorization to perform this kind if mediation considers several aspects:<\/p>\n<ol>\n<li>Assessment of the suitability of the person responsible for the activity;<\/li>\n<li>Assessment of any incompatibilities in the performance of the activity;<\/li>\n<li>Assessment of professional experience and academic qualifications;<\/li>\n<li>Assessment of the organizational capacity of the company, its structure and governance, administrative and accounting procedures.<\/li>\n<\/ol>\n<p>The performance of the credit intermediation activity allows you to present clients with several credit options from different entities available in the market with which the credit company maintains a commercial relationship. This service increases competitiveness by comparing different offers to find the best solution for each case\/client. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1532\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1532\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What are the costs of this service?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1532\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1532\"><p>Optifinance acts as a binding mortgage broker, which translates into the signing of binding contracts with several banks and financial entities working in the Portuguese market. Optifinance is remunerated by these partners and not by the final client. <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1533\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1533\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What documents are needed to apply for a loan?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1533\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1533\"><p>To verify the identity of the applicant(s), employment relationship, earned income, among others, some documents will be required. All submitted documents will be protected under the rules of protection, processing, storage, and free movement of personal data defined by the European Union, the so-called GDPR &#8211; General Data Protection Regulation: <\/p>\n<ul>\n<li>Copy of the citizen card or passport and residence permit for other nationalities than Portuguese;<\/li>\n<li>Copies of the last 3 months&#8217; pay slips for employees, pension proof, or the last IRS declaration for self-employed workers;<\/li>\n<li>Copy of the previous year&#8217;s IRS model 3 declaration <a href=\"http:\/\/www.portaldasfinancas.gov.pt\/\">(portaldasfinancas.gov.pt<\/a>)<\/li>\n<li>Central Credit Register of the Bank of Portugal<a href=\"http:\/\/www.bportugal.pt\/\">(www.bportugal.pt)<\/a><\/li>\n<li>Last 3 bank statements of all bank accounts<\/li>\n<li>Proof of address<\/li>\n<li>Proof of IBAN<\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\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\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-6d4f4b7 animated-slow jltma-glass-effect-no elementor-invisible\" data-id=\"6d4f4b7\" 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-8b76f14 elementor-hidden-mobile e-transform jltma-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"8b76f14\" 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 loading=\"lazy\" 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>Mortgage Loan A mortgage loan aims to finance the acquisition of a primary residence, a second home, the purchase of property for investment, or construction. Finding the best mortgage loan options is a time-consuming and bureaucratic process. Optifinance does this work for you \u2013 at no cost. With access to the main Portuguese banks, we [&hellip;]<\/p>\n","protected":false},"author":2,"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-1413","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>Home - 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\/home-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home - optifinance\" \/>\n<meta property=\"og:description\" content=\"Mortgage Loan A mortgage loan aims to finance the acquisition of a primary residence, a second home, the purchase of property for investment, or construction. Finding the best mortgage loan options is a time-consuming and bureaucratic process. Optifinance does this work for you \u2013 at no cost. 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