{"id":57811,"date":"2026-04-16T09:25:00","date_gmt":"2026-04-16T09:25:00","guid":{"rendered":"https:\/\/thefundmentor.com\/0b0a3f06-607d-4a8a-b8b6-9f3e41a0f3a6\/"},"modified":"2026-04-16T09:25:52","modified_gmt":"2026-04-16T09:25:52","slug":"0b0a3f06-607d-4a8a-b8b6-9f3e41a0f3a6","status":"publish","type":"post","link":"https:\/\/thefundmentor.com\/pt\/0b0a3f06-607d-4a8a-b8b6-9f3e41a0f3a6\/","title":{"rendered":"Novas regras para cr\u00e9dito malparado: volta a ser poss\u00edvel retomar o empr\u00e9stimo"},"content":{"rendered":"<\/p>\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">recomendado para si<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Cr\u00e9dito Malparado Portugal<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Retome o seu cr\u00e9dito mesmo ap\u00f3s venda a terceiros. Novas regras legais protegem os seus direitos e mant\u00eam condi\u00e7\u00f5es vantajosas.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/pt\/redirect\/?https:\/\/eco.sapo.pt\/2025\/09\/11\/novas-regras-permitem-ao-cliente-retomar-credito-malparado-vendido-pelo-banco\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Pedir agora<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Ser\u00e1 redirecionado para outro site<\/small>\n<\/div>\n<p>A recente publica\u00e7\u00e3o do decreto-lei traz \u00f3timas perspetivas para quem teve o cr\u00e9dito malparado vendido pelo banco. Agora, os clientes podem recuperar o seu empr\u00e9stimo e regularizar a d\u00edvida de forma justa. Esta medida harmoniza as regras nacionais com a diretiva europeia, garantindo maior prote\u00e7\u00e3o ao consumidor e neutralidade na cess\u00e3o de cr\u00e9ditos.<\/p>\n<p>Com estas altera\u00e7\u00f5es, mesmo ap\u00f3s o cr\u00e9dito ser transferido a uma empresa externa, o mutu\u00e1rio n\u00e3o perde os direitos que tinha com o banco. O objetivo \u00e9 n\u00e3o colocar os consumidores em situa\u00e7\u00e3o jur\u00eddica pior do que anteriormente. Esta novidade \u00e9 especialmente relevante nos cr\u00e9ditos habita\u00e7\u00e3o, onde os clientes costumavam perder o acesso ao regime legal ap\u00f3s a venda.<\/p>\n<p><strong>Como pedir para retomar o cr\u00e9dito malparado<\/strong><\/p>\n<ul>\n<li>Aguarde a notifica\u00e7\u00e3o oficial sobre a venda do seu cr\u00e9dito<\/li>\n<li>Contacte a nova entidade gestora ou titular do cr\u00e9dito<\/li>\n<li>Solicite as condi\u00e7\u00f5es de regulariza\u00e7\u00e3o e retoma<\/li>\n<li>Apresente proposta de pagamento ou renegocia\u00e7\u00e3o<\/li>\n<li>Aguarde confirma\u00e7\u00e3o de aceita\u00e7\u00e3o e formalize o acordo<\/li>\n<\/ul>\n<p><strong>Pontos fortes do novo regime<\/strong><\/p>\n<p>O principal benef\u00edcio \u00e9 a prote\u00e7\u00e3o refor\u00e7ada do consumidor: os mutu\u00e1rios mant\u00eam os seus direitos, mesmo com a venda do cr\u00e9dito. Al\u00e9m disso, h\u00e1 transpar\u00eancia obrigat\u00f3ria: o devedor deve ser informado sobre quem gere o cr\u00e9dito, valores em d\u00edvida e toda a legisla\u00e7\u00e3o aplic\u00e1vel.<\/p>\n<p>Outra vantagem reside na maior supervis\u00e3o. O Banco de Portugal passa a acompanhar n\u00e3o s\u00f3 os bancos, mas tamb\u00e9m os fundos compradores e entidades gestoras. Isto assegura maior rigor, credibilidade e confian\u00e7a para o consumidor.<\/p>\n<p><strong>Pontos menos positivos a considerar<\/strong><\/p>\n<p>Pode haver burocracia extra no processo de regulariza\u00e7\u00e3o, uma vez que envolve novas entidades que talvez n\u00e3o tenham canais de contacto t\u00e3o acess\u00edveis como um banco tradicional.<\/p>\n<p>Nem todas as empresas compradoras est\u00e3o sob supervis\u00e3o apertada do Banco de Portugal, especialmente fundos internacionais, o que pode limitar a rapidez na resolu\u00e7\u00e3o de problemas.<\/p>\n<p><strong>Veredicto<\/strong><\/p>\n<p>A nova legisla\u00e7\u00e3o relativa ao cr\u00e9dito malparado representa um claro avan\u00e7o para os consumidores portugueses. Traz mais salvaguardas e controlo, melhorando a sua posi\u00e7\u00e3o negocial. Para quem procura renegociar ou regularizar empr\u00e9stimos ap\u00f3s uma venda, h\u00e1 agora condi\u00e7\u00f5es mais equilibradas e seguras. Recomenda-se que todos os afetados procurem rapidamente os detalhes do novo enquadramento para agir atempadamente.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">recomendado para si<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Cr\u00e9dito Malparado Portugal<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Retome o seu cr\u00e9dito mesmo ap\u00f3s venda a terceiros. Novas regras legais protegem os seus direitos e mant\u00eam condi\u00e7\u00f5es vantajosas.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/pt\/redirect\/?https:\/\/eco.sapo.pt\/2025\/09\/11\/novas-regras-permitem-ao-cliente-retomar-credito-malparado-vendido-pelo-banco\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Pedir agora<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Ser\u00e1 redirecionado para outro site<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Descubra como as novas regras em Portugal permitem aos clientes recuperar cr\u00e9dito malparado vendido pelos bancos. Saiba como funciona e os principais benef\u00edcios.<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Novas regras para cr\u00e9dito malparado: volta a ser poss\u00edvel retomar o empr\u00e9stimo - The Fund Mentor<\/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:\/\/thefundmentor.com\/pt\/0b0a3f06-607d-4a8a-b8b6-9f3e41a0f3a6\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Novas regras para cr\u00e9dito malparado: volta a ser poss\u00edvel retomar o empr\u00e9stimo - The Fund Mentor\" \/>\n<meta property=\"og:description\" content=\"Descubra como as novas regras em Portugal permitem aos clientes recuperar cr\u00e9dito malparado vendido pelos bancos. 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