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Related Pages
O que é a TAEG e para que serve? O Banco de Portugal explica
A TAEG – taxa anual de encargos efetiva global – mede o custo do empréstimo para o cliente, por ano, em percentagem do montante emprestado.
Montante do empréstimo = 12 000 €
Prazo = 5 anos/60 meses
Taxa de juro anual nominal = 8%
Comissões iniciais = 200 € (acresce imposto do selo)
TAEG = 10,3%
Isto significa que, além de reembolsar o montante de 12 000 euros que pediu emprestado, o cliente terá de pagar em custos associados ao crédito, por ano, o equivalente a 10,3% do montante do empréstimo.
Separator
A TAEG pode ser usada para comparar propostas de crédito. Para propostas de crédito com o mesmo montante, prazo e modalidade de reembolso, a proposta com TAEG mais baixa é a mais barata para o cliente.
O cálculo da TAEG inclui:
- os juros;
- as comissões;
- as despesas, nomeadamente com impostos e com os emolumentos relativos ao registo da hipoteca, no caso de se tratar de um crédito com garantia hipotecária;
- os seguros exigidos para obtenção do crédito;
- a comissão de manutenção de conta à ordem, cuja abertura seja obrigatória para a gestão do empréstimo;
- a remuneração do intermediário de crédito, caso essa remuneração seja paga pelo consumidor, o que sucede quando recorre a um intermediário de crédito não vinculado;
- outros encargos associados ao contrato de crédito.
Não inclui:
- os valores a pagar caso o cliente não cumpra obrigações previstas no contrato;
- as comissões de reembolso antecipado do empréstimo;
- os custos notariais.
A TAEG distingue-se da TAN, a taxa anual nominal, por contabilizar, além dos juros dos empréstimos (expressos pela TAN), todos os outros encargos que o cliente terá de pagar pelo crédito.
Onde é indicada a TAEG?
A TAEG do crédito é indicada na informação pré-contratual que é fornecida ao cliente – ou seja:
- na FIN – ficha de informação normalizada, no caso do crédito aos consumidores, na secção “Custo do crédito”;
- na FINE – ficha de informação normalizada europeia, no caso do crédito à habitação e de outros créditos garantidos por hipoteca, na secção “Taxa de juro e outros custos”.
Tome nota.
A TAEG e o MTIC são duas medidas do custo do crédito e devem ser utilizadas para comparar diferentes propostas de crédito.
- Taxa anual de encargos efetiva global (TAEG): custo total do crédito expresso em percentagem anual do montante do crédito
- Inclui juros + comissões + despesas + impostos + seguros - Montante total imputado ao consumidor (MTIC): valor total dos pagamentos a efetuar pelo cliente no âmbito do contrato de crédito
- Inclui montante do empréstimo + total de custos (juros + comissões + despesas + impostos + seguros)