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Comprar casa ainda este ano: esperar ou avançar?
Há uma pergunta que milhares de portugueses fazem todos os anos: será melhor comprar casa agora ou esperar mais alguns meses?
O banco recusou o seu crédito habitação? Antes de desistir, fale com um intermediário de crédito.
Receber uma resposta negativa a um pedido de crédito habitação pode ser frustrante.
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Complementary information to the Credit Intermediation activity
- Legal name
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Epi’sphar, Lda
- Name
-
Joana Patricia de Jesus Monteiro I Nuno Miguel Merino da Rocha Leal de Moura
- Headquarters
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Avenida da Igreja, nº 183
4575-456 Várzea do Douro
Portugal - Establishment
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Avenida da Igreja 183
4575-456 Várzea do Douro
Portugal - Registration number
-
0007377 | Consult
- Category
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Vinculated
- Phone
More information
Civil Liability
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Mortgage Credit
206885963 - Companhia de Seguros Allianz Portugal, S.A.
Valid from until -
Consumer Credit
206885958 - Companhia de Seguros Allianz Portugal, S.A.
Valid from until
Lenders with a binding agreement
Conflict Resolution Centres
- TRIAVE
- RAL
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.