{"id":201576,"date":"2023-07-06T20:37:14","date_gmt":"2023-07-06T18:37:14","guid":{"rendered":"https:\/\/atena.sk\/blog\/aumento-acentuado-das-taxas-de-juro-da-ue-o-que-podemos-fazer-para-preservar-o-nosso-estilo-de-vida\/"},"modified":"2023-07-06T20:43:26","modified_gmt":"2023-07-06T18:43:26","slug":"aumento-acentuado-das-taxas-de-juro-da-ue-o-que-podemos-fazer-para-preservar-o-nosso-estilo-de-vida","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/pt-pt\/aumento-acentuado-das-taxas-de-juro-da-ue-o-que-podemos-fazer-para-preservar-o-nosso-estilo-de-vida\/","title":{"rendered":"Aumento acentuado das taxas de juro da UE &#8211; o que podemos fazer para preservar o nosso estilo de vida?"},"content":{"rendered":"\n<p>As taxas de juro podem afetar significativamente as nossas vidas. Recentemente, as taxas de juro aumentaram na Uni\u00e3o Europeia (UE), o que teve um impacto significativo nas pessoas sobrecarregadas com d\u00edvidas.<\/p>\n\n<p>Com a subida das taxas de juro, as pessoas endividadas enfrentam o desafio do aumento dos custos do servi\u00e7o da d\u00edvida. No entanto, surge um problema significativo, uma vez que os sal\u00e1rios e as remunera\u00e7\u00f5es n\u00e3o est\u00e3o a crescer ao mesmo ritmo. Esta disparidade significa que o peso da d\u00edvida se torna relativamente mais pesado, reduzindo o poder de compra da classe econ\u00f3mica m\u00e9dia. \u00c0 medida que mais do seu rendimento \u00e9 utilizado para pagar as d\u00edvidas, as pessoas t\u00eam menos dinheiro dispon\u00edvel para as despesas do dia a dia ou para as poupan\u00e7as. Isto conduz a um n\u00edvel de vida mais baixo.<\/p>\n\n<!--more-->\n\n<h2 class=\"wp-block-heading\">Qual \u00e9 a consequ\u00eancia imediata do aumento das taxas de juro?<\/h2>\n\n<p>\u00c0 medida que as taxas de juro aumentam, os mutu\u00e1rios t\u00eam muito mais dificuldade em efetuar os pagamentos mensais, o que pode levar a incumprimentos, atrasos nos pagamentos ou incumprimentos. Esta situa\u00e7\u00e3o pode ter consequ\u00eancias graves, incluindo uma pontua\u00e7\u00e3o de cr\u00e9dito prejudicada e a acumula\u00e7\u00e3o de penaliza\u00e7\u00f5es e taxas. A espiral descendente que surge pode, em \u00faltima an\u00e1lise, resultar num c\u00edrculo vicioso de problemas financeiros e limitar as possibilidades de mobilidade econ\u00f3mica.<\/p>\n\n<h2 class=\"wp-block-heading\">Desigualdade de rendimentos<\/h2>\n\n<p>O aumento das taxas de juro pode aprofundar a desigualdade de rendimentos na sociedade. As pessoas com rendimentos mais elevados s\u00e3o mais capazes de lidar com o impacto do aumento dos custos do servi\u00e7o da d\u00edvida, enquanto as pessoas com rendimentos mais baixos enfrentam desafios mais significativos. Esta desigualdade contribui para aumentar as disparidades de riqueza e pode conduzir a diferen\u00e7as de classe cada vez maiores. A classe m\u00e9dia, em particular, v\u00ea-se muitas vezes encurralada entre o aumento das taxas de juro e o crescimento limitado dos rendimentos, correndo o risco de cair num estrato socioecon\u00f3mico inferior.<\/p>\n\n<p>A combina\u00e7\u00e3o da redu\u00e7\u00e3o do poder de compra, das dificuldades financeiras e da desigualdade de rendimentos pode levar um n\u00famero significativo de pessoas a aproximar-se do limiar de pobreza ou a situar-se abaixo dele. \u00c0 medida que cada vez mais pessoas lutam para fazer face \u00e0s despesas, o risco de pobreza est\u00e1 a tornar-se mais comum. O aumento das taxas de juro pode tamb\u00e9m contribuir para que os indiv\u00edduos e as fam\u00edlias caiam na pobreza. Esta situa\u00e7\u00e3o pode ter implica\u00e7\u00f5es sociais de grande alcance e colocar ainda mais press\u00e3o sobre os sistemas de apoio social.<\/p>\n\n<h2 class=\"wp-block-heading\">Qual \u00e9 a gravidade da situa\u00e7\u00e3o?<\/h2>\n\n<p>Nos gr\u00e1ficos seguintes, podemos ver as taxas de juro fixadas pelo BCE<em>(Banco Central Europeu<\/em>) nos \u00faltimos tr\u00eas anos. Alguns por cento podem n\u00e3o parecer assim t\u00e3o maus. No entanto, quando se coloca tudo em perspetiva, as mudan\u00e7as s\u00e3o surpreendentes.<\/p>\n\n<figure class=\"wp-block-table aligncenter is-style-regular\"><table><tbody><tr><td class=\"has-text-align-right\" data-align=\"right\">Paisagem<\/td><td class=\"has-text-align-left\" data-align=\"left\">Taxas de juro do BCE de maio de 2020 a maio de 2023<\/td><td>Taxa m\u00ednima<\/td><td>Taxa m\u00e1xima<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><img decoding=\"async\" width=\"2780\" height=\"1847\" class=\"lazyload wp-image-201045\" style=\"width: 100px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-scaled.jpeg\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-scaled.jpeg\" alt=\"BANDEIRA SK\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272780%27%20height%3D%271847%27%20viewBox%3D%270%200%202780%201847%27%3E%3Crect%20width%3D%272780%27%20height%3D%271847%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-200x133.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-300x199.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-400x266.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-600x399.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-768x510.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-800x532.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-1024x680.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-1200x797.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-1536x1021.jpeg 1536w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-scaled.jpeg 2780w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 2780px) 100vw, 2780px\" \/><\/td><td class=\"has-text-align-left\" data-align=\"left\"><img decoding=\"async\" width=\"1177\" height=\"269\" class=\"lazyload wp-image-201214\" style=\"width: 500px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest.png\" alt=\"Sobrancelhas SK\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271177%27%20height%3D%27269%27%20viewBox%3D%270%200%201177%20269%27%3E%3Crect%20width%3D%271177%27%20height%3D%27269%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-200x46.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-300x69.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-400x91.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-600x137.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-768x176.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-800x183.png 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-1024x234.png 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest.png 1177w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1177px) 100vw, 1177px\" \/><\/td><td>-0,52%<\/td><td>3,66%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><img decoding=\"async\" width=\"2780\" height=\"1853\" class=\"lazyload wp-image-201073\" style=\"width: 100px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-scaled.jpeg\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-scaled.jpeg\" alt=\"BANDEIRA DE CZ\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272780%27%20height%3D%271853%27%20viewBox%3D%270%200%202780%201853%27%3E%3Crect%20width%3D%272780%27%20height%3D%271853%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-200x133.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-300x200.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-400x267.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-600x400.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-768x512.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-800x533.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-1024x683.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-1200x800.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-1536x1024.jpeg 1536w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-scaled.jpeg 2780w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 2780px) 100vw, 2780px\" \/><\/td><td class=\"has-text-align-left\" data-align=\"left\"><img decoding=\"async\" width=\"1160\" height=\"235\" class=\"lazyload wp-image-201298\" style=\"width: 500px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES.png\" alt=\"CZrates\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271160%27%20height%3D%27235%27%20viewBox%3D%270%200%201160%20235%27%3E%3Crect%20width%3D%271160%27%20height%3D%27235%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-200x41.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-300x61.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-400x81.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-600x122.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-768x156.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-800x162.png 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-1024x207.png 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES.png 1160w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1160px) 100vw, 1160px\" \/><\/td><td>0,86%<\/td><td>5,11%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><img decoding=\"async\" width=\"2780\" height=\"1668\" class=\"lazyload wp-image-201101\" style=\"width: 100px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-scaled.jpeg\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-scaled.jpeg\" alt=\"BANDEIRA DE HU\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272780%27%20height%3D%271668%27%20viewBox%3D%270%200%202780%201668%27%3E%3Crect%20width%3D%272780%27%20height%3D%271668%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-200x120.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-300x180.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-400x240.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-600x360.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-768x461.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-800x480.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-1024x615.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-1200x720.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-1536x922.jpeg 1536w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-scaled.jpeg 2780w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 2780px) 100vw, 2780px\" \/><\/td><td class=\"has-text-align-left\" data-align=\"left\"><img decoding=\"async\" width=\"1163\" height=\"254\" class=\"lazyload wp-image-201270\" style=\"width: 500px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1.png\" alt=\"HUrates\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271163%27%20height%3D%27254%27%20viewBox%3D%270%200%201163%20254%27%3E%3Crect%20width%3D%271163%27%20height%3D%27254%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-200x44.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-300x66.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-400x87.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-600x131.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-768x168.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-800x175.png 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-1024x224.png 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1.png 1163w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1163px) 100vw, 1163px\" \/><\/td><td>1,99%<\/td><td>10,25%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><img decoding=\"async\" width=\"2780\" height=\"1853\" class=\"lazyload wp-image-201130\" style=\"width: 100px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-scaled.jpeg\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-scaled.jpeg\" alt=\"BANDEIRA RO\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272780%27%20height%3D%271853%27%20viewBox%3D%270%200%202780%201853%27%3E%3Crect%20width%3D%272780%27%20height%3D%271853%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-200x133.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-300x200.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-400x267.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-600x400.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-768x512.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-800x533.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-1024x683.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-1200x800.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-1536x1024.jpeg 1536w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-scaled.jpeg 2780w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 2780px) 100vw, 2780px\" \/><\/td><td class=\"has-text-align-left\" data-align=\"left\"><img decoding=\"async\" width=\"1158\" height=\"274\" class=\"lazyload wp-image-201326\" style=\"width: 500px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates.png\" alt=\"Taxas de RO\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271158%27%20height%3D%27274%27%20viewBox%3D%270%200%201158%20274%27%3E%3Crect%20width%3D%271158%27%20height%3D%27274%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-200x47.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-300x71.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-400x95.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-600x142.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-768x182.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-800x189.png 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-1024x242.png 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates.png 1158w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1158px) 100vw, 1158px\" \/><\/td><td>2,65%<\/td><td>9,26%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><img decoding=\"async\" width=\"2780\" height=\"1807\" class=\"lazyload wp-image-201158\" style=\"width: 100px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-scaled.jpeg\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-scaled.jpeg\" alt=\"BANDEIRA BG\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272780%27%20height%3D%271807%27%20viewBox%3D%270%200%202780%201807%27%3E%3Crect%20width%3D%272780%27%20height%3D%271807%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-200x130.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-300x195.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-400x260.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-600x390.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-768x499.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-800x520.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-1024x665.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-1200x780.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-1536x998.jpeg 1536w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-scaled.jpeg 2780w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 2780px) 100vw, 2780px\" \/><\/td><td class=\"has-text-align-left\" data-align=\"left\"><img decoding=\"async\" width=\"1160\" height=\"242\" class=\"lazyload wp-image-201382\" style=\"width: 500px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1.png\" alt=\"BGrates\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271160%27%20height%3D%27242%27%20viewBox%3D%270%200%201160%20242%27%3E%3Crect%20width%3D%271160%27%20height%3D%27242%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-200x42.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-300x63.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-400x83.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-600x125.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-768x160.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-800x167.png 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-1024x214.png 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1.png 1160w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1160px) 100vw, 1160px\" \/><\/td><td>0,14%<\/td><td>4,21%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><img decoding=\"async\" width=\"2780\" height=\"1668\" class=\"lazyload wp-image-201186\" style=\"width: 100px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-scaled.jpeg\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-scaled.jpeg\" alt=\"BANDEIRA LT\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272780%27%20height%3D%271668%27%20viewBox%3D%270%200%202780%201668%27%3E%3Crect%20width%3D%272780%27%20height%3D%271668%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-200x120.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-300x180.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-400x240.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-600x360.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-768x461.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-800x480.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-1024x614.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-1200x720.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-1536x922.jpeg 1536w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-scaled.jpeg 2780w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 2780px) 100vw, 2780px\" \/><\/td><td class=\"has-text-align-left\" data-align=\"left\"><img decoding=\"async\" width=\"1167\" height=\"248\" class=\"lazyload wp-image-201467\" style=\"width: 500px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1.png\" alt=\"LTratos\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271167%27%20height%3D%27248%27%20viewBox%3D%270%200%201167%20248%27%3E%3Crect%20width%3D%271167%27%20height%3D%27248%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-200x43.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-300x64.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-400x85.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-600x128.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-768x163.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-800x170.png 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-1024x218.png 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1.png 1167w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1167px) 100vw, 1167px\" \/><\/td><td>0,16%<\/td><td>2,88%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p>Veja-se o caso da Rep\u00fablica Checa, por exemplo. H\u00e1 cerca de tr\u00eas anos, a taxa de juro era de <strong>0,86%<\/strong>. Se algu\u00e9m contra\u00edsse uma hipoteca de 100 000 euros durante 30 anos, a sua presta\u00e7\u00e3o mensal seria de cerca de <strong>315 euros<\/strong>. Uma vez que o sal\u00e1rio m\u00ednimo neste pa\u00eds \u00e9 de cerca de 678 euros, quase todas as fam\u00edlias com duas pessoas a trabalhar poderiam pagar uma hipoteca. No entanto, com a taxa de juro mais elevada, a mesma hipoteca custaria pelo menos <strong>543<\/strong> euros. \u00c9 mais de <strong>70%<\/strong> &#8211; e isto para o mesmo montante de dinheiro emprestado! Na Hungria, a situa\u00e7\u00e3o \u00e9 ainda muito pior. Se pedisse o mesmo montante emprestado, o seu reembolso mensal seria de cerca de <strong>896 euros<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\">Como \u00e9 que as pessoas podem resolver este problema?<\/h2>\n\n<p>Se n\u00e3o for um milion\u00e1rio, 200 a 600 euros adicionados \u00e0s suas despesas mensais far\u00e3o certamente a diferen\u00e7a. Algumas pessoas podem nem sequer ser capazes de pagar. Como \u00e9 que podemos resolver isto?<\/p>\n\n<ol>\n<li><strong>Gastar menos<\/strong>: Analise atentamente o seu or\u00e7amento e identifique as \u00e1reas em que pode reduzir as despesas. Ao concentrar-se nos aspectos b\u00e1sicos, pode libertar mais fundos para cobrir o aumento das presta\u00e7\u00f5es da hipoteca. Procure formas de poupar em meios de comunica\u00e7\u00e3o, alimenta\u00e7\u00e3o, entretenimento e outros artigos n\u00e3o essenciais.<\/li>\n\n\n\n<li><strong>Reduzir as suas despesas<\/strong>: se o im\u00f3vel que comprou for relativamente grande e estiver em bom estado, pode arrend\u00e1-lo e, ao mesmo tempo, alugar um local mais barato para viver. No entanto, isto s\u00f3 funciona se houver uma diferen\u00e7a significativa entre os custos de aluguer das duas propriedades.<\/li>\n\n\n\n<li><strong>Procurar programas de assist\u00eancia financeira<\/strong>: em caso de subida r\u00e1pida dos pre\u00e7os, existem por vezes pol\u00edticas governamentais para ajudar as pessoas que j\u00e1 n\u00e3o conseguem pagar as suas d\u00edvidas. Estes programas podem proporcionar um al\u00edvio tempor\u00e1rio ou ajudar no pagamento da hipoteca durante um per\u00edodo de dificuldades financeiras.<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\">Existe uma forma melhor?<\/h2>\n\n<p>Mesmo que as suas despesas mensais subam em flecha, ainda h\u00e1 uma forma de manter o seu estilo de vida. S\u00f3 precisa de<strong> ganhar mais<\/strong>. E como n\u00e3o \u00e9 poss\u00edvel obter uma melhor forma\u00e7\u00e3o ou muita experi\u00eancia num curto espa\u00e7o de tempo, a melhor maneira \u00e9 procurar emprego num pa\u00eds onde os sal\u00e1rios sejam mais elevados. Por outro lado, \u00e9 mais f\u00e1cil falar do que fazer. Nem toda a gente pode simplesmente fazer uma mala, pagar a sua viagem para longe, pagar a renda e sustentar-se at\u00e9 encontrar um emprego e ser pago.<\/p>\n\n<p>Mas mesmo que n\u00e3o possa pagar tudo o que mencion\u00e1mos, <a href=\"https:\/\/atena.org\">a Atena <\/a>pode ajudar! <strong>Encontramos-lhe um emprego<\/strong>, pagamos-lhe <strong>a entrada<\/strong> e escolhemos um posto de trabalho<em> <\/em>com <strong>alojamento seguro<\/strong>! <a href=\"https:\/\/atena.org\">A Atena <\/a>tamb\u00e9m o ajudar\u00e1 a tratar de toda a documenta\u00e7\u00e3o necess\u00e1ria e estar\u00e1 \u00e0 sua disposi\u00e7\u00e3o em qualquer altura durante a sua estadia no estrangeiro. E a melhor parte \u00e9 que, quando sair, pode alugar a sua propriedade no seu pa\u00eds &#8211; algu\u00e9m pagar\u00e1 a sua hipoteca enquanto voc\u00ea ganha duas a tr\u00eas vezes mais do que pode ganhar no seu pa\u00eds.<\/p>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As taxas de juro, tal como os pre\u00e7os de muitas outras coisas, subiram. A sua hipoteca pode ser duas vezes mais cara agora. E, embora pare\u00e7a imposs\u00edvel, h\u00e1 uma forma de o pagar e de manter o seu estilo de vida.<\/p>\n","protected":false},"author":20,"featured_media":201522,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[418],"tags":[],"acf":{"facebookpost":"Em consequ\u00eancia dos acontecimentos recentes, os pre\u00e7os de muitas coisas aumentaram fortemente. As taxas de juro tamb\u00e9m aumentaram ????. Nalguns pa\u00edses, uma hipoteca que custava 400 euros por m\u00eas custa agora mais de 900 euros! De qualquer modo, como \u00e9 que se pode pagar? Existe alguma forma de manter o seu estilo de vida? Descubra aqui.  ","popis_socialneho_obrazku":"Como \u00e9 que se pode continuar a pagar a hipoteca?"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Aumento acentuado das taxas de juro da UE - o que podemos fazer para preservar o nosso estilo de vida? - Blog Atena<\/title>\n<meta name=\"description\" content=\"As taxas de juro est\u00e3o a subir em toda a UE. Saiba o que pode fazer para manter a sua hipoteca em dia aqui.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/atena.sk\/blog\/pt-pt\/aumento-acentuado-das-taxas-de-juro-da-ue-o-que-podemos-fazer-para-preservar-o-nosso-estilo-de-vida\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Aumento acentuado das taxas de juro da UE - o que podemos fazer para preservar o nosso estilo de vida? - Blog Atena\" \/>\n<meta property=\"og:description\" content=\"As taxas de juro desempenham um papel importante nas nossas vidas, especialmente para as pessoas que t\u00eam uma hipoteca ou um empr\u00e9stimo a longo prazo. Infelizmente, os acontecimentos recentes provocaram um aumento acentuado. Algumas pessoas pagar\u00e3o o dobro do que pagavam antes. 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