{"id":3146,"date":"2019-07-16T19:13:31","date_gmt":"2019-07-16T19:13:31","guid":{"rendered":"https:\/\/bcn.cv\/pt_PT\/?page_id=3146"},"modified":"2026-04-07T14:32:41","modified_gmt":"2026-04-07T15:32:41","slug":"particulares-credito-a-construcao","status":"publish","type":"page","link":"https:\/\/bcn.cv\/pt_PT\/particulares\/particulares-credito\/particulares-credito-a-construcao\/","title":{"rendered":"BCN Cr\u00e9dito \u00e0 Constru\u00e7\u00e3o"},"content":{"rendered":"

[vc_row css=”.vc_custom_1585215108093{margin-top: 50px !important;margin-bottom: 100px !important;padding-bottom: 0px !important;}”][vc_column width=”2\/3″ el_class=”align-content left”][vc_column_text]O\u00a0BCN Cr\u00e9dito \u00e0 Constru\u00e7\u00e3o<\/strong>\u00a0\u00e9 uma linha de cr\u00e9dito destinada ao financiamento da constru\u00e7\u00e3o de habita\u00e7\u00e3o pr\u00f3pria, permanente ou secund\u00e1ria, com ou sem aquisi\u00e7\u00e3o de terreno.[\/vc_column_text][vc_empty_space][vc_column_text]<\/p>\n

Condi\u00e7\u00f5es<\/h3>\n

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Prazo<\/strong><\/span><\/h5>\n

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Per\u00edodo de utiliza\u00e7\u00e3o: at\u00e9 um m\u00e1ximo de 2 anos (24 meses).<\/p>\n

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Montantes<\/strong><\/span><\/h5>\n

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    \n
  • M\u00ednimo: 1.000.000$00<\/li>\n
  • M\u00e1ximo: 35.000.000$00<\/li>\n<\/ul>\n

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    Presta\u00e7\u00f5es<\/strong><\/span><\/h5>\n

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      \n
    • Durante o per\u00edodo de utiliza\u00e7\u00e3o: pagamento mensal de juros sobre o capital mutuado.<\/li>\n
    • Durante o per\u00edodo de reembolso: presta\u00e7\u00f5es mensais, constantes, de capital e juros.<\/li>\n<\/ul>\n

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      Como pedir um Cr\u00e9dito \u00e0 Constru\u00e7\u00e3o no BCN?<\/strong><\/h4>\n

      1.<\/strong> Dirija-se a uma ag\u00eancia<\/strong><\/span> e submeta o seu pedido.<\/p>\n

      Dirija-se a uma ag\u00eancia BCN, submeta o seu pedido e entregue a seguinte documenta\u00e7\u00e3o:<\/p>\n

        \n
      • Fotoc\u00f3pia de BI \/ CNI (frente e verso);<\/li>\n
      • Declara\u00e7\u00e3o de NIF;<\/li>\n
      • Comprovativo de rendimento;<\/li>\n
      • Fotoc\u00f3pia de caderneta predial;<\/li>\n
      • Planta da localiza\u00e7\u00e3o;<\/li>\n
      • Planta do pr\u00e9dio ou fra\u00e7\u00e3o;<\/li>\n
      • Projeto de constru\u00e7\u00e3o aprovado pela C\u00e2mara Municipal (caso exista);<\/li>\n
      • Or\u00e7amento da constru\u00e7\u00e3o;<\/li>\n
      • Mem\u00f3ria descritiva do projeto;<\/li>\n
      • Licen\u00e7a de constru\u00e7\u00e3o (caso exista).<\/li>\n<\/ul>\n

        2. An\u00e1lise e Despacho<\/strong><\/span><\/p>\n

        O BCN ir\u00e1 avaliar o seu pedido e ir\u00e1 contact\u00e1-lo para obter informa\u00e7\u00f5es adicionais se necess\u00e1rio. Ap\u00f3s a an\u00e1lise, informaremos se o seu pedido foi aprovado.<\/p>\n

        3. Formaliza\u00e7\u00e3o do processo<\/strong><\/span><\/p>\n

        Se o seu pedido de cr\u00e9dito for aprovado, daremos as instru\u00e7\u00f5es para que possa levar a cabo o processo de formaliza\u00e7\u00e3o para que o Banco possa avan\u00e7ar com o carregamento do valor na sua conta.<\/p>\n

        <\/h3>\n

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        SIMULE O SEU CR\u00c9DITO EM 3 PASSOS<\/span><\/strong><\/h4>\n

        Fa\u00e7a j\u00e1 uma simula\u00e7\u00e3o do cr\u00e9dito e submeta o seu pedido online. Simular \u00e9 r\u00e1pido e f\u00e1cil<\/b>.<\/span><\/p>\n