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Spread do crédito habitação: o que é e como pode negociar melhores condições
Quando se fala em crédito habitação, fala-se também em Spread e, apesar de ser um dos principais fatores que influencia o valor da prestação mensal, continua a suscitar dúvidas em muitos consumidor
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Complementary information to the Credit Intermediation activity
- Legal name
-
Expressiva Aresta Lda
- Name
-
Maria de Fátima Martins Pereira
- Headquarters
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Av. Dr. Bernardino da Silva, nº. 13-E, Olhão
8700-301 Olhão
Portugal - Establishment
-
Avenida Dr. Bernardino da Silva, nº. 13-E
8700-301 Olhão
Portugal - Registration number
-
0007364 | Consult
- Category
-
Vinculated
- Phone
More information
Civil Liability
-
Mortgage Credit
2536665 - Hiscox S.A. - Sucursal em Portugal
Valid from until -
Consumer Credit
2536664 - Hiscox S.A. - Sucursal em Portugal
Valid from until
Lenders with a binding agreement
Conflict Resolution Centres
- CIMAAL - Centro de Arbitragem de Conflitos de Consumo do Algarve
- CNIACC - Centro Nacional de Informação e Arbitragem de Conflitos de Consumo
Value restriction
The Credit Intermediary is forbidden from receiving or delivering any sums related to the formation, execution and early performance of credit agreements, under the terms of article 46 of Decree-Law no. 81-C/2017 of 07 July on the Legal Framework of Credit Intermediaries.
Supervisory Entity
Credit Intermediation activity is subject to supervision by the Bank of Portugal (website: www.bportugal.pt )
Mortgage and consumer credit related services
- Presentation or proposal of consumer credit agreements
- Consumer support, by carrying out preparatory acts or other pre-contractual management work in relation to credit agreements which have not been presented or proposed by them
- Conclusion of credit agreements with consumers on behalf of creditors
- Consultancy services
Make a complaint
In the event of a complaint, it must be submitted in the following ways:
- By filling in the complaints booklet, available at www.livroreclamacoes.pt
- Directly to the Bank of Portugal, by letter or via the website www.livroreclamacoes.pt
- Complaints can also be made in person at the company's address.