{"id":14859,"date":"2021-02-19T12:38:03","date_gmt":"2021-02-19T12:38:03","guid":{"rendered":"https:\/\/www.multicredit.ch\/?p=14859"},"modified":"2021-06-02T13:53:34","modified_gmt":"2021-06-02T13:53:34","slug":"diferencas-entre-leasing-e-credito-automovel","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/pt-pt\/diferencas-entre-leasing-e-credito-automovel\/","title":{"rendered":"Diferen\u00e7as entre leasing e cr\u00e9dito autom\u00f3vel"},"content":{"rendered":"<style>\ntable, th, td {<br \/>  border: 1px solid black;<br \/>  border-collapse: collapse;<br \/>}<br \/>td {word-wrap: break-word; word-break: break-all;}<br \/><\/style>\n<table style=\"height: 1786px;\" width=\"100%\">\n<tbody>\n<tr>\n<td width=\"260\"><\/td>\n<td width=\"268\"><strong>Se voc\u00ea compra um ve\u00edculo com um cr\u00e9dito autom\u00f3vel<\/strong><\/td>\n<td width=\"267\"><strong>Se voc\u00ea opta por um leasing<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Quilometragem<\/p>\n<\/td>\n<td width=\"268\">Sem limites. O ve\u00edculo \u00e9 seu e pode us\u00e1-lo como quiser.<\/td>\n<td width=\"267\">Com limites inscritos no contrato. Se passar do limite anual, 0.3 ou 0.5 Chf a pagar por quil\u00f4metro em excesso.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Prazo de reembolso<\/p>\n<\/td>\n<td width=\"268\">At\u00e9 84 meses.<\/td>\n<td width=\"267\">60 meses.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Propriet\u00e1rio do ve\u00edculo<\/p>\n<\/td>\n<td width=\"268\">O cliente.<\/td>\n<td width=\"267\">O banco.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Valor residual<\/p>\n<\/td>\n<td width=\"268\">Nenhum.<\/td>\n<td width=\"267\">Sim + TVA a pagar.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Seguro \u201ccasco-compl\u00e8te\u201d<\/p>\n<\/td>\n<td width=\"268\">Liberdade de escolha.<\/td>\n<td width=\"267\">Seguro \u201ccasco-compl\u00e8te\u201d obrigat\u00f3rio.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Seguro de morte cobrindo o saldo do financiamento<\/p>\n<\/td>\n<td width=\"268\">Sim, incluido nos juros. Sem suplementos.<\/td>\n<td width=\"267\">N\u00e3o, op\u00e7\u00e3o paga a adicionar.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Pagamento de entrada<\/p>\n<\/td>\n<td width=\"268\">N\u00e3o necess\u00e1rio.<\/td>\n<td width=\"267\">Necess\u00e1rio muitas vezes.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Juros sobre a TVA<\/p>\n<\/td>\n<td width=\"268\">Nenhum.<\/td>\n<td width=\"267\">Sim.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">C\u00f3digo 178 na carta cinza do ve\u00edculo<\/p>\n<\/td>\n<td width=\"268\">N\u00e3o.<\/td>\n<td width=\"267\">Sim, n\u00e3o \u00e9 poss\u00edvel revender o ve\u00edculo a terceiros.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Servi\u00e7o e manuten\u00e7\u00e3o<\/p>\n<\/td>\n<td width=\"268\">Livre, sem obriga\u00e7\u00f5es.<\/td>\n<td width=\"267\">Obrigat\u00f3rio.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Reembolso antecipado do contrato.<\/p>\n<\/td>\n<td width=\"268\">Poss\u00edvel a qualquer momento, com redu\u00e7\u00e3o dos juros.<\/td>\n<td width=\"267\">Poss\u00edvel com penalidades e custos.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Compra do ve\u00edculo com desconto<\/p>\n<\/td>\n<td width=\"268\">Poss\u00edvel negociar desconto com o garagista pagando em cash.<\/td>\n<td width=\"267\">Pouca margem de manobra para negocia\u00e7\u00e3o.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Ao t\u00e9rmino do contrato<\/p>\n<\/td>\n<td width=\"268\">Sem retomada ou relan\u00e7amento.<\/td>\n<td width=\"267\">Valor residual a pagar ou relan\u00e7amento.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Em caso de acidente, com dano total ou parcial<\/p>\n<\/td>\n<td width=\"268\">O seguro paga para si o valor comercial do ve\u00edculo, de acordo com o contrato do seguro.<\/td>\n<td width=\"267\">Obriga\u00e7\u00e3o de reparar se houver dano parcial e, em caso de dano total, o seguro paga a empresa que realizou o leasing.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Revenda do ve\u00edculo<\/p>\n<\/td>\n<td width=\"268\">Sim, quando quiser e a pre\u00e7o de mercado.<\/td>\n<td width=\"267\">O momento e o pre\u00e7o depender\u00e3o da empresa de leasing.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Danos \u00e0 parte interna do ve\u00edculo<\/p>\n<\/td>\n<td width=\"268\">Voc\u00ea \u00e9 o propriet\u00e1rio.<\/td>\n<td width=\"267\">Se o carro for retomado pela empresa, os danos ocasionados dever\u00e3o ser pagos pelo cliente.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Dedu\u00e7\u00e3o fiscal de juros e de d\u00edvidas<\/p>\n<\/td>\n<td width=\"268\">Totalmente dedut\u00edveis.<\/td>\n<td width=\"267\">Nenhuma dedu\u00e7\u00e3o poss\u00edvel.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Problema com a garantia do ve\u00edculo<\/p>\n<\/td>\n<td width=\"268\">Voc\u00ea tem flexibilidade.<\/td>\n<td width=\"267\">Voc\u00ea deve continuar a pagar o leasing.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Registro oficial de entrega de ve\u00edculo \u00e0 garagem<\/p>\n<\/td>\n<td width=\"268\">Nenhum, o ve\u00edculo \u00e9 seu.<\/td>\n<td width=\"267\">Exigido pela empresa de leasing, que verifica o estado do ve\u00edculo.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Processos e lit\u00edgios sobre as mensalidades do leasing<\/p>\n<\/td>\n<td width=\"268\">Sem retoma de ve\u00edculo, ele \u00e9 seu.<\/td>\n<td width=\"267\">Retoma do ve\u00edculo pela empresa de leasing em caso de processo.<\/td>\n<\/tr>\n<tr>\n<td width=\"260\">\n<p style=\"font-weight: bold;\">Uso do ve\u00edculo<\/p>\n<\/td>\n<td width=\"268\">Livre.<\/td>\n<td width=\"267\">Restri\u00e7\u00e3o de motoristas.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>Artigo de M\u00fcn\u00fcr ASLAN Director Executivo da <a href=\"https:\/\/g.page\/Multicredit?share\">Cashflex MultiCredit.<\/a><\/p>\n<p><a href=\"https:\/\/www.linkedin.com\/in\/maslan-credit-kredit-loan\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone \" src=\"https:\/\/www.multicredit.ch\/wp\/wp-content\/uploads\/icons-linkedin.svg\" width=\"55\" height=\"55\" alt=\"\" title=\"\"><\/a><a href=\"mailto:info@multicredit.ch\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone \" src=\"https:\/\/www.multicredit.ch\/wp\/wp-content\/uploads\/icons-email.svg\" width=\"55\" height=\"55\" alt=\"\" title=\"\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Se voc\u00ea compra um ve\u00edculo com um cr\u00e9dito autom\u00f3vel Se voc\u00ea opta por um leasing Quilometragem Sem limites. O ve\u00edculo \u00e9 seu e pode us\u00e1-lo como quiser. Com limites inscritos no contrato. Se passar do limite anual, 0.3 ou 0.5 Chf a pagar por quil\u00f4metro em excesso. Prazo de reembolso At\u00e9 84 meses. 60 meses. [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":11490,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[336,343],"tags":[],"class_list":["post-14859","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-pt-pt","category-credito-automovel"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/pt-pt\/wp-json\/wp\/v2\/posts\/14859","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/pt-pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/pt-pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/pt-pt\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/pt-pt\/wp-json\/wp\/v2\/comments?post=14859"}],"version-history":[{"count":7,"href":"https:\/\/multicredit.ch\/pt-pt\/wp-json\/wp\/v2\/posts\/14859\/revisions"}],"predecessor-version":[{"id":16289,"href":"https:\/\/multicredit.ch\/pt-pt\/wp-json\/wp\/v2\/posts\/14859\/revisions\/16289"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/pt-pt\/wp-json\/wp\/v2\/media\/11490"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/pt-pt\/wp-json\/wp\/v2\/media?parent=14859"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/pt-pt\/wp-json\/wp\/v2\/categories?post=14859"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/pt-pt\/wp-json\/wp\/v2\/tags?post=14859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}