{"id":7786,"date":"2020-05-11T10:16:45","date_gmt":"2020-05-11T10:16:45","guid":{"rendered":"https:\/\/bcn.cv\/pt_PT\/?page_id=7786"},"modified":"2026-04-07T15:16:49","modified_gmt":"2026-04-07T16:16:49","slug":"bcn-credito-auto","status":"publish","type":"page","link":"https:\/\/bcn.cv\/pt_PT\/emigrantes\/emigrantes-credito\/bcn-credito-auto\/","title":{"rendered":"BCN Cr\u00e9dito Auto"},"content":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1585215108093{margin-top: 50px !important;margin-bottom: 100px !important;padding-bottom: 0px !important;}&#8221;][vc_column width=&#8221;2\/3&#8243; el_class=&#8221;align-content left&#8221;][vc_column_text]Se a sua atual viatura necessita de ser trocada, se encontrou o carro dos seus sonhos ou se pretende oferecer ao seu filho o primeiro autom\u00f3vel, esta \u00e9 a solu\u00e7\u00e3o de cr\u00e9dito de que precisa.<\/p>\n<p>Com as excelentes condi\u00e7\u00f5es do\u00a0<strong>BCN Cr\u00e9dito Auto<\/strong> comprar um carro ser\u00e1 mais simples do que imagina.[\/vc_column_text][vc_column_text el_class=&#8221;bullet-red&#8221;]<\/p>\n<h4><strong>Finalidade<\/strong><\/h4>\n<p style=\"text-align: left;\">O <strong>BCN Cr\u00e9dito Auto<\/strong> \u00e9 destinado a financiar a aquisi\u00e7\u00e3o de viaturas novas ou usadas, ligeiras de passageiros ou mistas, com um prazo de at\u00e9 7 anos para reembolso.<\/p>\n<h4><strong>Condi\u00e7\u00f5es<\/strong><\/h4>\n<p>[\/vc_column_text][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1586189145050{padding-right: 50px !important;}&#8221;][vc_column_inner el_class=&#8221;info-box&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1583842420497{padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1588959446970{padding-top: 16px !important;padding-bottom: 16px !important;background-color: #eff3f8 !important;}&#8221;]<\/p>\n<h5 style=\"text-align: center; color: #ffffff;\"><span style=\"color: #da3535;\"><strong>Prazo<\/strong><\/span><\/h5>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1588959523676{margin-top: 15px !important;margin-bottom: 15px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-right: 15px !important;padding-left: 15px !important;border-radius: 5px !important;}&#8221;]Viaturas novas at\u00e9 um m\u00e1ximo de 7 anos (84 meses)<\/p>\n<p>Viaturas para explora\u00e7\u00e3o o prazo m\u00e1ximo \u00e9 de 5 anos (60 meses) *[\/vc_column_text][\/vc_column_inner][vc_column_inner el_class=&#8221;info-box&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1583842424177{padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1588959570602{padding-top: 16px !important;padding-bottom: 16px !important;background-color: #eff3f8 !important;}&#8221;]<\/p>\n<h5 style=\"text-align: center; color: #ffffff;\"><span style=\"color: #da3535;\"><strong>Taxa<\/strong><\/span><\/h5>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1589312488768{margin-top: 15px !important;margin-bottom: 15px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 15px !important;padding-left: 15px !important;border-radius: 5px !important;}&#8221;]&nbsp;<\/p>\n<p style=\"text-align: center;\">Apartir de 8.0%<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner el_class=&#8221;info-box&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1583842427721{padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1589115598853{padding-top: 16px !important;padding-bottom: 16px !important;background-color: #eff3f8 !important;}&#8221;]<\/p>\n<h5 style=\"text-align: center; color: #ffffff;\"><span style=\"color: #da3535;\"><strong>Montantes<\/strong><\/span><\/h5>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1589312493472{margin-top: 15px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 10px !important;padding-left: 10px !important;border-radius: 5px !important;}&#8221;]&nbsp;<\/p>\n<p style=\"text-align: center;\">M\u00ednimo: 500.000$<br \/>\nM\u00e1ximo: 4.000.000$[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text css=&#8221;.vc_custom_1596483189820{margin-top: 35px !important;margin-bottom: 0px !important;padding-bottom: 0px !important;}&#8221; el_class=&#8221;bullet-red&#8221;]* Viaturas usadas, o prazo m\u00e1ximo \u00e9 igual ao prazo m\u00e1ximo para viaturas novas, deduzindo a idade da viatura \u00e0 data da concess\u00e3o do cr\u00e9dito.<\/p>\n<p><span style=\"color: #da3535;\"><strong>Condi\u00e7\u00f5es especiais para Emigrantes:<\/strong><\/span><\/p>\n<ul>\n<li>Redu\u00e7\u00e3o de 1% (face \u00e0 taxa standard) &#8211; Desde que o Cliente apresente \u00e0 data da proposta de cr\u00e9dito DP(s) no valor superior a 5.000 Cts h\u00e1 mais de 12 meses;<\/li>\n<li>Redu\u00e7\u00e3o de 0,5% (face \u00e0 taxa standard) &#8211; Desde que o Cliente apresente \u00e0 data da proposta de cr\u00e9dito DP(s) de valor superior a 2.500 Cts h\u00e1 mais de 12 meses.<\/li>\n<\/ul>\n<h4><strong>Presta\u00e7\u00f5es<\/strong><\/h4>\n<p>Presta\u00e7\u00e3o mensal, constante, de capital e juros.<\/p>\n<h4><b>Seguros<\/b><\/h4>\n<p><span data-contrast=\"auto\">Possibilidade de incorpora\u00e7\u00e3o do seguro Auto IMPAR no montante do cr\u00e9dito.<\/span><\/p>\n<h4><b>Como pedir um Cr\u00e9dito Auto no BCN?<\/b><\/h4>\n<p><span style=\"color: #da3535;\"><strong>1.<\/strong>\u00a0<strong>Fa\u00e7a uma simula\u00e7\u00e3o <\/strong><\/span>online do Cr\u00e9dito Auto com a nossa ferramenta aqui no site assim como submeta o seu pedido de cr\u00e9dito sem ter que se deslocar a uma ag\u00eancia BCN. <strong>Simular \u00e9 f\u00e1cil e r\u00e1pido.<\/strong><\/p>\n<p>Caso pretender deslocar-se a uma das nossas ag\u00eancias BCN fazemos uma simula\u00e7\u00e3o de cr\u00e9dito na Hora.<\/p>\n<p><span style=\"color: #da3535;\"><strong>2. Submeta a documenta\u00e7\u00e3o necess\u00e1ria para formaliza\u00e7\u00e3o da proposta:<\/strong><\/span><\/p>\n<ul>\n<li>Proposta de Cr\u00e9dito devidamente preenchida e assinada;<\/li>\n<li>Factura pr\u00f3-forma onde dever\u00e1 indicar o ano de fabrico, em caso de viatura nova;<\/li>\n<li>Livrete da viatura, em caso de viatura usada;<\/li>\n<li>Fotoc\u00f3pia de BI (frente e verso);<\/li>\n<li>Declara\u00e7\u00e3o de NIF;<\/li>\n<li>Comprovativo de rendimento (se existirem, IUR do ano anterior e\/ou \u00faltimos 3 recibos de vencimento).<\/li>\n<\/ul>\n<p><strong>Custos<\/strong><\/p>\n<p>Comiss\u00e3o de abertura de cr\u00e9dito (consulte o nosso <a href=\"https:\/\/bcn.cv\/pt_PT\/wp-content\/uploads\/2020\/05\/Precario-BCN.pdf\">Pre\u00e7\u00e1rio<\/a>).<\/p>\n<p><span style=\"color: #da3535;\"><strong>3.<\/strong> \u00a0<strong>Avalia\u00e7\u00e3o e Confirma\u00e7\u00e3o<\/strong><\/span><\/p>\n<p>Ap\u00f3s entrega dos documentos necess\u00e1rios, contact\u00e1-lo-emos por telefone para confirma\u00e7\u00e3o dos pressupostos da simula\u00e7\u00e3o e pedido de cr\u00e9dito submetido.<\/p>\n<p><strong>Custos<\/strong><\/p>\n<p>Comiss\u00e3o de avalia\u00e7\u00e3o (consulte o nosso\u00a0<a href=\"https:\/\/bcn.cv\/pt_PT\/wp-content\/uploads\/2020\/05\/Precario-BCN.pdf\">Pre\u00e7\u00e1rio<\/a>).<\/p>\n<p>&nbsp;[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; el_class=&#8221;align-content right&#8221;][vc_column_text css=&#8221;.vc_custom_1588957637387{padding-top: 5px !important;padding-right: 10px !important;padding-left: 10px !important;background-color: #ed1f27 !important;}&#8221;]<\/p>\n<h4 style=\"color: #ffffff !important; padding: 20px 0 0 20px; line-height: 18px;\"><strong><span style=\"color: #ffffff !important; margin-bottom: 0; line-height: 18px;\">SIMULE O SEU CR\u00c9DITO EM 3 PASSOS<\/span><\/strong><\/h4>\n<p style=\"color: #ffffff; margin: 5px 0 0 20px; margin-bottom: 0; line-height: 18px;\"><span style=\"color: #ffffff;\">Fa\u00e7a j\u00e1 uma simula\u00e7\u00e3o do cr\u00e9dito e submeta o seu pedido online. <b>Simular \u00e9 r\u00e1pido e f\u00e1cil<\/b>.<\/span><\/p>\n<p><iframe style=\"margin: 0; padding: 0;\" src=\"https:\/\/bcn.cv\/pt_PT\/calculators\/loan-calculator.html\" width=\"100%\" height=\"490\" frameborder=\"0\" scrolling=\"no\"><\/iframe>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column css=&#8221;.vc_custom_1582213073468{margin-top: -75px !important;}&#8221;]<div class=\"title-vertical-line\"><h2><span>Informa\u00e7\u00e3o<\/span> \u00datil<\/h2><p><\/p><\/div>[\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1584698679942{margin-right: 14% !important;margin-left: 14% !important;}&#8221; el_class=&#8221;useful-info&#8221;][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1554915538453{padding-right: 20px !important;padding-left: 20px !important;}&#8221;][vc_row_inner css=&#8221;.vc_custom_1562689691580{margin-top: 0px !important;padding-top: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;3916&#8243; alignment=&#8221;center&#8221; el_class=&#8221;info-icon&#8221; css=&#8221;.vc_custom_1584639152674{padding-right: -3px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;.vc_custom_1588092435234{margin-top: 20px !important;margin-left: 0px !important;padding-left: 0px !important;}&#8221;]<\/p>\n<h5><span style=\"color: #333333;\"><a style=\"color: #333333;\" href=\"https:\/\/bcn.cv\/pt_PT\/precario\/\"><strong>PRE\u00c7\u00c1RIO<\/strong><\/a><\/span><\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/5&#8243; css=&#8221;.vc_custom_1554915650188{padding-right: 20px !important;padding-left: 20px !important;}&#8221;][vc_row_inner css=&#8221;.vc_custom_1562689691580{margin-top: 0px !important;padding-top: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;3941&#8243; alignment=&#8221;center&#8221; el_class=&#8221;info-icon&#8221; css=&#8221;.vc_custom_1584639170837{margin-right: -3px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;.vc_custom_1588092449909{margin-top: 20px !important;margin-left: 0px !important;padding-left: 0px !important;}&#8221;]<\/p>\n<h5><strong><span style=\"color: #333333;\"><span style=\"color: #333336;\"><a style=\"color: #333336;\" href=\"https:\/\/bcnonline.bcn.cv\/\">\u00c1REA DE CLIENTE<\/a><\/span><br \/>\n<\/span><\/strong><\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;2\/5&#8243; css=&#8221;.vc_custom_1554915579391{padding-right: 20px !important;padding-left: 20px !important;}&#8221;][vc_row_inner css=&#8221;.vc_custom_1562689691580{margin-top: 0px !important;padding-top: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;3905&#8243; alignment=&#8221;right&#8221; el_class=&#8221;info-icon&#8221; css=&#8221;.vc_custom_1584639180305{margin-right: 13px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;.vc_custom_1588171567287{margin-top: 20px !important;margin-left: 0px !important;padding-left: 0px !important;}&#8221;]<\/p>\n<h5><strong><span style=\"color: #333333;\"><a style=\"color: #333333;\" href=\"https:\/\/bcn.cv\/pt_PT\/formularios\/\">DOCUMENTOS E FORMUL\u00c1RIOS<\/a><br \/>\n<\/span><\/strong><\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/5&#8243;][vc_row_inner css=&#8221;.vc_custom_1562689691580{margin-top: 0px !important;padding-top: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;3918&#8243; alignment=&#8221;center&#8221; el_class=&#8221;info-icon last&#8221; css=&#8221;.vc_custom_1584639195656{margin-right: -17px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;.vc_custom_1588092471365{margin-top: 20px !important;margin-left: 10px !important;padding-left: 0px !important;}&#8221;]<\/p>\n<h5><strong><span style=\"color: #333333;\"><a style=\"color: #333333;\" href=\"https:\/\/bcn.cv\/pt_PT\/protocolos\/\">PROTOCOLOS<\/a><br \/>\n<\/span><\/strong><\/h5>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1585215108093{margin-top: 50px !important;margin-bottom: 100px !important;padding-bottom: 0px !important;}&#8221;][vc_column width=&#8221;2\/3&#8243; el_class=&#8221;align-content left&#8221;][vc_column_text]Se a sua atual viatura necessita de ser trocada, se encontrou o carro dos seus sonhos ou se pretende oferecer ao seu filho o primeiro autom\u00f3vel, esta \u00e9 a solu\u00e7\u00e3o de cr\u00e9dito de que precisa. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2225,"menu_order":16,"comment_status":"closed","ping_status":"closed","template":"template-builder.php","meta":{"inline_featured_image":false},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/bcn.cv\/pt_PT\/wp-json\/wp\/v2\/pages\/7786"}],"collection":[{"href":"https:\/\/bcn.cv\/pt_PT\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bcn.cv\/pt_PT\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bcn.cv\/pt_PT\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bcn.cv\/pt_PT\/wp-json\/wp\/v2\/comments?post=7786"}],"version-history":[{"count":8,"href":"https:\/\/bcn.cv\/pt_PT\/wp-json\/wp\/v2\/pages\/7786\/revisions"}],"predecessor-version":[{"id":16394,"href":"https:\/\/bcn.cv\/pt_PT\/wp-json\/wp\/v2\/pages\/7786\/revisions\/16394"}],"up":[{"embeddable":true,"href":"https:\/\/bcn.cv\/pt_PT\/wp-json\/wp\/v2\/pages\/2225"}],"wp:attachment":[{"href":"https:\/\/bcn.cv\/pt_PT\/wp-json\/wp\/v2\/media?parent=7786"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}