{"id":18054,"date":"2018-01-24T14:38:00","date_gmt":"2018-01-24T13:38:00","guid":{"rendered":"https:\/\/onekeycredito.pt\/put-all-your-credits-together\/"},"modified":"2024-05-06T15:36:58","modified_gmt":"2024-05-06T14:36:58","slug":"put-all-your-credits-together","status":"publish","type":"page","link":"https:\/\/onekeycredito.pt\/en\/put-all-your-credits-together\/","title":{"rendered":"Put all your credits together"},"content":{"rendered":"

[vc_row full_width=”stretch_row” css=”.vc_custom_1517506246250{padding-top: 3% !important;padding-bottom: 6% !important;}”][vc_column][vc_empty_space height=”55px”][vc_column_text]<\/p>\n

The consolidated credit<\/strong> or credit consolidation is a financing solution available to you,
\nwhich allows you to replace all your current credits with a single financing operation,
\nreplacing several monthly installments with one.<\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=”stretch_row_content_no_spaces” equal_height=”yes” css=”.vc_custom_1515599717265{background-color: #f5f5f5 !important;}”][vc_column width=”1\/2″ css=”.vc_custom_1529685016510{margin-top: 0px !important;margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-image: url(https:\/\/onekeycredito.pt\/wp-content\/uploads\/2018\/01\/onekey_creditoconsolidado.jpg?id=2448) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”imagem”][\/vc_column][vc_column width=”1\/2″ el_class=”about-section1 vcr_float_right” css=”.vc_custom_1515523870322{margin-top: 32px !important;margin-bottom: 32px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-right: 10% !important;padding-left: 5% !important;}”][vc_custom_heading text=”WHY PUT YOUR CREDITS TOGETHER?” font_container=”tag:h2|font_size:20|text_align:left” use_theme_fonts=”yes”][vc_empty_space height=”24px”][vc_column_text]To be able to pay less<\/strong>, since the average interest rate that is applied is lower;<\/p>\n

To have smoother monthly installments<\/strong>, because, by increasing the repayment period, you will be able to pay lower installments per month.[\/vc_column_text][vc_separator align=”align_left”][vc_custom_heading text=”How can One Key help you to reduce the monthly payment on your credits?” font_container=”tag:h2|font_size:20|text_align:left” use_theme_fonts=”yes”][vc_empty_space height=”24px”][vc_column_text]One Key<\/strong> finds the best credit solution for those who want to consolidate their credits into one.
\nThe One Key<\/strong> team will bring together the outstanding amounts from the various credits made at different credit institutions, into a single contract formalized at the selected credit institution. This way you will only pay one monthly installment, only to one credit institution, only on a certain date.[\/vc_column_text][vc_separator align=”align_left”][vc_custom_heading text=”Does the consolidated credit simulation imply any commitment?” font_container=”tag:h2|font_size:20|text_align:left” use_theme_fonts=”yes”][vc_empty_space height=”24px”][vc_column_text]No, the simulation can be done without any commitment and at no cost.<\/strong><\/p>\n

You will only make a new commitment when signing<\/strong> the new credit agreement with the financing entity.[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=”stretch_row_content_no_spaces” equal_height=”yes” css=”.vc_custom_1515599717265{background-color: #f5f5f5 !important;}”][vc_column width=”1\/2″ css=”.vc_custom_1516813925517{margin-top: 32px !important;margin-bottom: 32px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-right: 5% !important;padding-bottom: 0px !important;padding-left: 10% !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}”][vc_custom_heading text=”Advantages and benefits of consolidated credit” font_container=”tag:h2|font_size:26|text_align:left” use_theme_fonts=”yes” css=”.vc_custom_1516815593227{padding-top: 32px !important;}”][vc_column_text]Consolidated credit can be good support for reorganizing your treasury.[\/vc_column_text][vc_empty_space][\/vc_column][vc_column width=”1\/2″ el_class=”about-section1 vcr_float_right imagem” css=”.vc_custom_1529685108912{margin-top: 0px !important;margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-right: 0% !important;padding-bottom: 0px !important;padding-left: 0% !important;background-image: url(https:\/\/onekeycredito.pt\/wp-content\/uploads\/2018\/01\/onekey_creditoconsolidado3.jpg?id=2466) !important;}”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1516817223530{padding-top: 2% !important;padding-bottom: 4% !important;}”][vc_column][vc_custom_heading text=”What are the steps to follow to have your credit consolidated?” font_container=”tag:h2|font_size:32|text_align:left|color:%231da5db” use_theme_fonts=”yes”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row”][vc_column width=”1\/2″][vc_column_text]1.<\/span><\/strong> Access the Banco de Portuga<\/strong>l website, with your access details to the finance portal and consult your map of credit responsibilities<\/a>.<\/span>[\/vc_column_text][vc_separator align=”align_left”][vc_column_text css=”.vc_custom_1715006305440{padding-bottom: 2px !important;}”]2. <\/span><\/strong>In the credit responsibilities map <\/a> you will find detailed information about all credits<\/strong> in your name, the amount remaining to be settled and the respective settlement dates;[\/vc_column_text][vc_separator align=”align_left”][vc_column_text]3.<\/span><\/strong> After calculating the total value of your credits<\/strong>, carry out a consolidated credit simulation<\/a>;
\n<\/span>[\/vc_column_text][vc_separator align=”align_left”][vc_column_text]4. <\/span><\/strong>Consult the contractual documents of your loans<\/strong>, or request One Key’s<\/strong> support to identify possible costs with early loan repayment;<\/span>[\/vc_column_text][vc_separator align=”align_left”][vc_column_text]5.<\/span><\/strong>Fill in all the data in the credit simulator<\/strong> \u2013 value, term and characteristics of the consolidated credit;[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_column_text]6. <\/span><\/strong>Then, submit your credit application<\/strong> or, alternatively, request our contact;[\/vc_column_text][vc_separator align=”align_left”][vc_column_text]7. <\/span><\/strong>Use the total amount of credit<\/strong> you need to pay your current credits.[\/vc_column_text][vc_separator align=”align_left”][vc_column_text]8. <\/span><\/strong>If you decide to proceed<\/strong>, fill in the information requested on the credit form and One Key<\/strong> will submit the financing request to one of the partner financial entities;[\/vc_column_text][vc_separator align=”align_left”][vc_column_text]9. <\/span><\/strong>In case of approval<\/strong>, One Key<\/strong> will monitor the contractual formalization process.[\/vc_column_text][vc_separator align=”align_left”][vc_column_text]10. <\/span><\/strong>The approved average interest rate<\/strong> allows you to save on the monthly installment and at the end of the loan![\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1515508669754{padding-top: 8% !important;padding-bottom: 10% !important;}”][vc_column][vc_row_inner content_placement=”middle”][vc_column_inner el_align=”center” width=”1\/3″][vc_column_text]

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Proposal<\/h3><\/div>
<\/a>Complete the proposal and send us the requested documents<\/div> <\/div> <\/div> [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″][vc_column_text]
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Sign it<\/h3><\/div>
Print, check and sign the documentation sent after approval<\/div> <\/div> <\/div> [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″][vc_column_text]
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Send<\/h3><\/div>
Return the signed contract to us<\/div> <\/div> <\/div> [\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=”stretch_row_content” bg_type=”image” parallax_style=”vcpb-default” bg_image_new=”id^2468|url^http:\/\/onekeycredito.pt\/wp-content\/uploads\/2018\/01\/onekey_consolidado_bg.jpg|caption^Cr\u00e9dito Consolidado One Key|alt^Cr\u00e9dito Consolidado One Key|title^Cr\u00e9dito Consolidado One Key|description^null” bg_img_attach=”fixed” css=”.vc_custom_1517508909048{padding-top: 3% !important;}” text_color=”#ffffff” el_class=”dt-sc-dark-bg tabela”][vc_column el_class=”dt-sc-dark-bg”][vc_custom_heading text=”NECESSARY DOCUMENTS” font_container=”tag:h2|font_size:32|text_align:center|color:%23ffffff” use_theme_fonts=”yes” el_class=”title-responsive-size vcr_heading-right”][vc_empty_space][vc_wp_text]\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t
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Trabalhador por conta de Outr\u00e9m<\/p><\/th>

ENI (Profissional Liberal)<\/p><\/th>


\nEmpresa<\/p><\/th>\n<\/tr>\n<\/thead>\n

Comprovativo de Identifica\u00e7\u00e3o dos titulares do contrato<\/font>
Cart\u00e3o do Cidad\u00e3oouBilhete de Identidade + Cart\u00e3o de Contribuinte<\/font><\/td>
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Comprovativo de Resid\u00eancia<\/font>Apenas um dos documentos<\/font>
\u00daltima fatura de \u00c1gua, Luz, G\u00e1s, Telefone ou Servi\u00e7o de TV<\/font><\/td>
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Comprovativo IBAN nominativo de um dos titulares do contrato<\/font>
\nApenas um dos documentos<\/font>
Informa\u00e7\u00e3o de conta via HomeBanking;Tal\u00e3o de Multibanco com IBAN + Frente do Cart\u00e3o Multibanco;1\u00aa p\u00e1gina da Caderneta<\/font><\/td>
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\u00daltimos tr\u00eas recibos de vencimento dos titulares do contrato<\/font><\/td>
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\u00daltimo Modelo 3 do IRS ou C\u00f3digo de valida\u00e7\u00e3o de Entrega<\/font><\/td><\/td>
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Modelo 22 do \u00faltimo ano<\/font><\/td><\/td><\/td>
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