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Related Pages
MTIC. Uma sigla do crédito que vale a pena decorar.
Nos anúncios sobre crédito, tornou-se habitual falar do MTIC. Sabe o que é? O Banco de Portugal explica-lhe.
MTIC é a sigla de “montante total imputado ao consumidor”.
O MTIC corresponde ao montante total que o cliente terá de pagar à instituição durante todo o período do empréstimo. Resulta da soma do montante total do empréstimo com os custos do crédito (juros, comissões, impostos e outros encargos).
Montante do empréstimo = 12 000 €
Prazo = 5 anos/60 meses
Taxa de juro anual nominal = 8%
Comissões iniciais = 200 € (acresce imposto do selo)
MTIC = 15 128,72 €
Isto significa que, além de reembolsar o montante de 12 000 €, terá de suportar 3128,72 € de custos do crédito.
Pode utilizar o MTIC para comparar propostas. Para o mesmo montante e prazo, o MTIC permite comparar o valor dos juros e outros encargos que irá ter de pagar quando reembolsa o seu crédito.
Separator
O MTIC é especialmente relevante no momento que contrata o crédito. Ao longo da vigência do empréstimo a taxa de juro ou outros encargos podem ser alterados.
Por exemplo, nos empréstimos contratados a taxa de juro variável ou mista, o MTIC é apenas indicativo. Como, nestes empréstimos, a taxa de juro pode variar ao longo do tempo, o MTIC pode não corresponder ao montante total que o cliente irá pagar durante a vigência do empréstimo.
Se as demais caraterísticas do crédito forem semelhantes:
- Um crédito com a taxa de juro mais elevada terá um MTIC mais elevado, uma vez que os juros pagos serão superiores;
- Um crédito a prazo mais longo terá um MTIC mais elevado, porque terá pago mais juros por esse crédito do que num crédito semelhante com prazo mais curto.
Onde é indicado o MTIC?
O MTIC do crédito é indicado na informação pré-contratual que é fornecida ao cliente – ou seja:
- na chamada “FIN – ficha de informação normalizada”, no caso do crédito aos consumidores, na secção “Montante total imputado ao consumidor”;
- na “FINE – ficha de informação normalizada europeia”, no caso do crédito à habitação e de outros créditos garantidos por hipoteca, na Seção “Principais caraterísticas do empréstimo”, no campo “Montante total a reembolsar (MTIC)”.
Esta informação é também referida em todas as campanhas publicitárias que indiquem uma taxa de juro ou outros valores relativos ao custo do crédito.