{"id":6676,"date":"2024-03-28T18:25:36","date_gmt":"2024-03-28T18:25:36","guid":{"rendered":"https:\/\/phc24.yourcode-staging.com\/pt\/artigo\/menor-retencao-na-fonte-para-quem-tem-credito-a-habitacao-sim-e-possivel\/"},"modified":"2026-01-06T15:31:15","modified_gmt":"2026-01-06T15:31:15","slug":"menor-retencao-fonte-credito-habitacao-software-certo","status":"publish","type":"artigo","link":"https:\/\/phcsoftware.com\/pt\/artigo\/menor-retencao-fonte-credito-habitacao-software-certo","title":{"rendered":"Menor reten\u00e7\u00e3o na fonte para quem tem cr\u00e9dito \u00e0 habita\u00e7\u00e3o? Sim, \u00e9 poss\u00edvel."},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_image=&#8221;https:\/\/phcsoftware.com\/pt\/wp-content\/uploads\/sites\/3\/2024\/03\/pessoas_produtividade.jpg&#8221; bg_position=&#8221;left top&#8221; background_image_loading=&#8221;default&#8221; bg_repeat=&#8221;no-repeat&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;7%&#8221; constrain_group_1=&#8221;yes&#8221; bottom_padding=&#8221;7%&#8221; left_padding_desktop=&#8221;5%&#8221; constrain_group_2=&#8221;yes&#8221; right_padding_desktop=&#8221;5%&#8221; right_margin=&#8221;0&#8243; top_margin_phone=&#8221;20%&#8221; text_color=&#8221;light&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;10px&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; color_overlay=&#8221;#383838&#8243; overlay_strength=&#8221;0.8&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;center&#8221; phone_text_alignment=&#8221;center&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;2\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][vc_column_text]Artigo[\/vc_column_text][vc_column_text]\r\n<h2>Menor reten\u00e7\u00e3o na fonte para quem tem cr\u00e9dito \u00e0 habita\u00e7\u00e3o? Sim, \u00e9 poss\u00edvel.<\/h2>\r\n[\/vc_column_text][\/vc_column][vc_column column_padding=&#8221;padding-10-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;left&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;3%&#8221; left_padding_desktop=&#8221;5%&#8221; constrain_group_2=&#8221;yes&#8221; right_padding_desktop=&#8221;5%&#8221; left_padding_tablet=&#8221;0%&#8221; constrain_group_4=&#8221;yes&#8221; right_padding_tablet=&#8221;0%&#8221; left_padding_phone=&#8221;0%&#8221; constrain_group_6=&#8221;yes&#8221; right_padding_phone=&#8221;0%&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;2\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221; class=&#8221;linhaTempoLeitura&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;horizontal&#8221; column_element_alignment=&#8221;center&#8221; column_element_spacing=&#8221;50px&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][vc_column_text]27 de Outubro 2023[\/vc_column_text][vc_column_text]Tempo de leitura: 5min[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][divider line_type=&#8221;No Line&#8221; custom_height=&#8221;25px&#8221;][vc_column_text]\r\n<p>A subida das taxas de juro tem estado na ordem do dia e teve um enorme impacto nas presta\u00e7\u00f5es do <strong>cr\u00e9dito \u00e0 habita\u00e7\u00e3o<\/strong> pr\u00f3pria ou permanente.<\/p>\r\n<p>De forma a mitigar o seu impacto junto das fam\u00edlias, o Or\u00e7amento do Estado para 2023 prev\u00ea a diminui\u00e7\u00e3o da <strong>reten\u00e7\u00e3o na fonte em<\/strong> sede de IRS.<\/p>\r\n<p>O objetivo \u00e9 que todos os contribuintes tenham mais folga no pagamento das presta\u00e7\u00f5es da casa, ainda que a medida n\u00e3o abranja todos eles.<\/p>\r\n<p>Caso re\u00fanam condi\u00e7\u00f5es para usufruir deste benef\u00edcio e tenham interesse em pedi-lo, os contribuintes podem ver reduzida a <strong>taxa de reten\u00e7\u00e3o<\/strong> na fonte aplicada aos seus rendimentos.<\/p>\r\n<p>&nbsp;<\/p>\r\n<h2>Quem \u00e9 que pode usufruir desta medida?<\/h2>\r\n<ul>\r\n<li>A redu\u00e7\u00e3o da taxa de reten\u00e7\u00e3o na fonte \u00e9 exclusiva para trabalhadores por conta de outrem, que sejam titulares de um cr\u00e9dito destinado \u00e0 compra de habita\u00e7\u00e3o pr\u00f3pria e permanente;<\/li>\r\n<li>Os interessados t\u00eam de auferir um m\u00e1ximo de 2.700 euros brutos por m\u00eas;<\/li>\r\n<li>Os trabalhadores que ganham o sal\u00e1rio m\u00ednimo n\u00e3o poder\u00e3o usufruir deste benef\u00edcio, dado que n\u00e3o fazem reten\u00e7\u00e3o na fonte.<\/li>\r\n<\/ul>\r\n<p>&nbsp;<\/p>\r\n<h2>O que diz a lei?<\/h2>\r\n<p>Tal como se pode ler no documento do <strong>Or\u00e7amento do Estado<\/strong>: \u201cA reten\u00e7\u00e3o na fonte sobre rendimentos de Categoria A de IRS \u00e9 reduzida para a taxa do escal\u00e3o imediatamente inferior \u00e0 correspondente \u00e0 remunera\u00e7\u00e3o mensal e situa\u00e7\u00e3o familiar aplic\u00e1vel ao respetivo titular de rendimentos, nos termos do despacho a que se refere o artigo 99.\u00ba-F do C\u00f3digo do IRS.\u201d<\/p>\r\n<p>Isto significa que ser\u00e1 feita uma <strong>antecipa\u00e7\u00e3o do reembolso<\/strong> que o contribuinte teria em 2024. Se, por um lado, adiantam menos dinheiro ao Estado todos os meses, a contrapartida \u00e9 que receber\u00e3o um reembolso menor em sede de IRS no ano seguinte.<\/p>\r\n<p>&nbsp;<\/p>\r\n<h2>Como \u00e9 que os colaboradores podem aderir?<\/h2>\r\n<p>Segundo o site Doutor Finan\u00e7as \u201ca poupan\u00e7a mensal mais comum oscilar\u00e1 entre os 10 e os 25 euros\u201d mas, ainda mais importante do que isso, \u00e9 o facto de as empresas terem de estar preparadas, desde j\u00e1, para <strong>dar a resposta<\/strong> que a lei exige.<\/p>\r\n<p>Os colaboradores podem consultar as <strong>tabelas de reten\u00e7\u00e3o na fonte de IRS<\/strong>, disponibilizadas no site das Finan\u00e7as, para saberem se a medida compensa. E, caso tenham interesse em aderir, basta que o contribuinte comunique a sua vontade \u00e0 entidade patronal.<\/p>\r\n<p><strong>Como?<\/strong> \u201cAtrav\u00e9s de uma declara\u00e7\u00e3o acompanhada dos elementos indispens\u00e1veis \u00e0 verifica\u00e7\u00e3o das condi\u00e7\u00f5es referidas, bem como qualquer outra informa\u00e7\u00e3o fiscalmente relevante ocorrida posteriormente.\u201d<\/p>\r\n<p>&nbsp;<\/p>\r\n<h2>Qual a resposta das empresas?<\/h2>\r\n<p>As exig\u00eancias fiscais e legais s\u00e3o uma constante na vida das empresas. Por isso, \u00e9 determinante optar por um <strong>software de gest\u00e3o<\/strong> que lhe d\u00ea garantias tanto de seguran\u00e7a como de confian\u00e7a.<\/p>\r\n<p>A ades\u00e3o a esta <strong>medida \u00e9 volunt\u00e1ria<\/strong> e tem impacto no processamento de vencimentos. \u00c9 necess\u00e1rio que o software esteja, desde j\u00e1, preparado para dar a resposta certa.<\/p>\r\n<p>O PHC CS est\u00e1.<\/p>\r\n<p>&nbsp;<\/p>\r\n<p><strong>Procura um <a href=\"https:\/\/phcsoftware.com\/pt\/phc-cs\">ERP<\/a> \u00e0 medida das suas necessidades?<\/strong><\/p>\r\n<p><strong>Com o PHC CS, querer \u00e9 poder.<\/strong><\/p>\r\n\r\n<p>&nbsp;<\/p>\r\n[\/vc_column_text][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; 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