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{"id":3678,"date":"2024-03-04T12:27:31","date_gmt":"2024-03-04T12:27:31","guid":{"rendered":"https:\/\/dsprivate.crochet.com.pt\/simulador-de-despesas\/"},"modified":"2024-03-04T13:06:50","modified_gmt":"2024-03-04T13:06:50","slug":"expense-simulator","status":"publish","type":"page","link":"https:\/\/www.dsprivate.crochet.com.pt\/en\/expense-simulator\/","title":{"rendered":"Expense Simulator"},"content":{"rendered":"\n<section id=\"block_65e5bdb601fb3\" class=\"intro-inner-section\">\n    <div class=\"container\">\n                    <h1>Expense Simulator<\/h1>\n            <\/div>\n    <figure class=\"bg-img\">\n                        <img src=\"https:\/\/www.dsprivate.crochet.com.pt\/wp-content\/uploads\/2024\/01\/laptop-email-and-worker-typing-for-marketing-adv-2023-11-27-05-28-29-utc-1.jpg\" alt=\"Pesso\">\n                <\/figure>\n<\/section>\n<!-- .intro-inner-section -->\n\n\n\n<div class=\"container\">\n<div style=\"margin-bottom: 6rem; text-align: center;\">\n<p>When it comes to buying a new property it is very important to know all the expenses that involve this acquisition. In order for us to help you fill out all the fields in the form below.<\/p>\n<\/div>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f3676-o1\" lang=\"en-US\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/3678#wpcf7-f3676-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"3676\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.2\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f3676-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<input type=\"hidden\" name=\"_uacf7_hidden_conditional_fields\" value=\"\" \/>\n<\/div>\n            <style>\n                :root {\n                    --uacf7-slider-Selection-Color:\n                        #1e90ff                    ;\n                    --uacf7-slider-handle-color:\n                        #3498db                    ;\n                    --uacf7-slider-handle-width:\n                        24px                    ;\n                    --uacf7-slider-handle-height:\n                        24px                    ;\n                    --uacf7-slider-handle-border-radius:\n                        24px                    ;\n                    --uacf7-slider-range-slider-height:\n                        9px                    ;\n                }\n\n                .uacf7-form-3676 .ui-slider-horizontal .ui-slider-range {\n                    background-color:\n                        #1e90ff                    ;\n                    height:\n                        9px                    ;\n                }\n\n                .uacf7-form-3676 .ui-widget.ui-widget-content {\n                    height:\n                        9px                    ;\n                    border: 1px solid\n                        #1e90ff                    ;\n                    background-color: #EEE;\n                }\n\n                .uacf7-form-3676 .ui-state-default,\n                .ui-widget-content .ui-state-default {\n                    background-color:\n                        #3498db                    ;\n                    width:\n                        24px                    ;\n                    height:\n                        24px                    ;\n                    border-radius:\n                        24px                    ;\n                    cursor: pointer;\n                    border: none !important;\n                    top: -8px;\n                    position: absolute;\n\n                }\n\n                .uacf7-form-3676 .ui-slider-horizontal .ui-slider-handle {\n                    top: -8.5px;\n                }\n\n                .uacf7-form-3676 input[type=range] {\n                    background-color:\n                        #1e90ff                    ;\n                    height:\n                        9px                    ;\n                    border-radius: 5px;\n                }\n\n                .uacf7-form-3676 .ui-slider-horizontal {\n                    height:\n                        9px                    ;\n                }\n\n                .uacf7-form-3676 .uacf7-slider::-webkit-slider-thumb {\n                    -webkit-appearance: none;\n                    appearance: none;\n                    width:\n                        24px                    ;\n                    height:\n                        24px                    ;\n                    background:\n                        #3498db                    ;\n                    border-radius:\n                        24                        px;\n                    cursor: pointer;\n                }\n\n                .uacf7-form-3676 .uacf7-slider::-moz-range-thumb {\n                    width:\n                        24px                    ;\n                    height:\n                        24px                    ;\n                    background:\n                        #3498db                    ;\n                    border-radius:\n                        24                        px;\n                    cursor: pointer;\n                }\n            <\/style>\n\n            <div class=\"uacf7-form-3676\"><div class=\"uacf7-form-3676\"><style>\n.input-group-addon{padding: 6px;}\n.input-group-addon span{background-color: #000; border-radius: 0; padding: 5px 10px; color: #dbc6a2;}\n.form-group .wpcf7-form-control-wrap{width: 85%;}\n.wpcf7-form-control.btn-primary{border: none;}\n.result-value-simulator p{background-color: #FFF; color: #000; border-radius: 0; margin: 0; padding: 10px 15px;}\n.result-value-simulator span{font-weight: bold; margin-right: 10px;}\n.result-value-simulator .input-group-addon{padding: 10px 15px !important;}\n#calculationResult .simulator-section{background-color: #eeeeec;}\n.simulator-notice{font-size: 0.9rem; margin-top: 3rem;}\n.row-submit .wpcf7-spinner{ display: none;}\n@media screen and (min-width: 767px){ .row-submit{display: flex; flex-direction: row; justify-content: end;} #calculationResult .simulator-section{padding: 5rem 2rem; margin: 3rem 0;}}\n<\/style>\n<div class=\"div-form simulator-form container-form\">\n            <div class=\"uacf7-step uacf7-step-3676 step-content\" next-btn-text=\"\" prev-btn-text=\"Previous\">\n        \n<ul id=\"progressbar\">\n                <li class=\"active\">Personal Details<\/li>\n                <li>Details<\/li>\n            <\/ul>\n    <h3>Please fill in your details<\/h3>\n    <div class=\"form-group\">\n        <span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n    <\/div>\n    <div class=\"form-group\">\n        <span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email form-control\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n    <\/div>\n            <p>\n            <button class=\"uacf7-prev\" data-form-id=\"3676\" >Previous<\/button>\n            <button class=\"uacf7-next\" data-form-id=\"3676\">Next<\/button>\n            <span class=\"wpcf7-spinner uacf7-ajax-loader\"><\/span>\n        <\/p>\n        <\/div>\n        \n    \n            <div class=\"uacf7-step uacf7-step-3676 step-content\" next-btn-text=\"Next\" prev-btn-text=\"\">\n        \n<ul id=\"progressbar\">\n                <li class=\"active\">Personal Details<\/li>\n                <li class=\"active\">Details<\/li>\n            <\/ul>\n    <h3>CREATE EXPENSE REPORT<\/h3>\n<div class=\"form-group\">\n    <span class=\"wpcf7-form-control-wrap\" data-name=\"propertyType\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"propertyType\"><option value=\"\">Type of property*<\/option><option value=\"Own permanent residence\">Own permanent residence<\/option><option value=\"Secondary dwelling\">Secondary dwelling<\/option><option value=\"Rural property\">Rural property<\/option><option value=\"Other urban property\">Other urban property<\/option><\/select><\/span>\n<\/div>    \n<div class=\"form-group\"><h4 style=\"margin-top: 3rem;\">SEAL TAX<\/h4>\n\n        <span class=\"wpcf7-form-control-wrap\" data-name=\"businessType\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"businessType\"><option value=\"\">Type of Business*<\/option><option value=\"Purchase\">Purchase<\/option><option value=\"Exchange\">Exchange<\/option><\/select><\/span>\n    <\/div>\n<div class=\"form-row\">\n<div class=\"form-group col-md-6 input-group\">\n\n        <span class=\"wpcf7-form-control-wrap\" data-name=\"saleValue\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-required wpcf7-validates-as-number form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Property purchase price\" value=\"\" type=\"number\" name=\"saleValue\" \/><\/span>\n        <div class=\"input-group-addon\"><span>\u20ac<\/span><\/div>\n<\/div>\n<div class=\"form-group col-md-6 input-group\">\n        <span class=\"wpcf7-form-control-wrap\" data-name=\"patrimonialValue\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-required wpcf7-validates-as-number form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Tax Asset Value\" value=\"\" type=\"number\" name=\"patrimonialValue\" \/><\/span>\n        <div class=\"input-group-addon\"><span>\u20ac<\/span><\/div>\n<\/div>\n<\/div>\n<div class=\"uacf7_conditional conditional-permuta\">\n<div class=\"form-row\">\n<div class=\"form-group col-md-6 input-group\">\n\n        <span class=\"wpcf7-form-control-wrap\" data-name=\"saleValueExchange\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-required wpcf7-validates-as-number form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Purchase price of current property\" value=\"\" type=\"number\" name=\"saleValueExchange\" \/><\/span>\n        <div class=\"input-group-addon\"><span>\u20ac<\/span><\/div>\n<\/div>\n<div class=\"form-group col-md-6 input-group\">\n        <span class=\"wpcf7-form-control-wrap\" data-name=\"patrimonialValueExchange\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-required wpcf7-validates-as-number form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Taxable Asset Value of the current property\" value=\"\" type=\"number\" name=\"patrimonialValueExchange\" \/><\/span>\n        <div class=\"input-group-addon\"><span>\u20ac<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"form-row\">\n<div class=\"form-group col-md-6 input-group\">\n\n        <span class=\"wpcf7-form-control-wrap\" data-name=\"creditValue\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-required wpcf7-validates-as-number form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Mortgage Value\" value=\"\" type=\"number\" name=\"creditValue\" \/><\/span>\n        <div class=\"input-group-addon\"><span>\u20ac<\/span><\/div>\n<\/div>\n<\/div>\n\n<div class=\"form-row\">\n<div class=\"col-md-6\">\n<h4>IMT<\/h4>\n<div class=\"form-group\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"location\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"location\"><option value=\"\">Location<\/option><option value=\"Mainland Portugal\">Mainland Portugal<\/option><option value=\"Autonomous Regions\">Autonomous Regions<\/option><\/select><\/span>\n<\/div>\n<\/div>\n<div class=\"col-md-6\">\n<h4>IMI<\/h4>\n<div class=\"form-group input-group\">\n\n        <span class=\"wpcf7-form-control-wrap\" data-name=\"municipalityTax\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-required wpcf7-validates-as-number form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Municipal tax\" value=\"\" type=\"number\" name=\"municipalityTax\" \/><\/span>\n        <div class=\"input-group-addon\"><span>%<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"row-submit\">\n\n<input class=\"wpcf7-form-control has-spinner wpcf7-submit btn btn-dark\" type=\"submit\" value=\"Calculate\" \/>\n  <\/div>\n<\/div>\n<div id=\"calculationResult\"><\/div>\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function() {\n    const form = document.querySelector('.wpcf7-form');\n    form.addEventListener('submit', function(event) {\n        event.preventDefault();\n\n        \/\/ Obter valores dos campos\n        const propertyType = document.querySelector('[name=\"propertyType\"]').value;\n        const location = document.querySelector('[name=\"location\"]').value;\n        const saleValue = parseFloat(document.querySelector('[name=\"saleValue\"]').value);\n        const creditValue = parseFloat(document.querySelector('[name=\"creditValue\"]').value) || 0;\n        const patrimonialValue = parseFloat(document.querySelector('[name=\"patrimonialValue\"]').value);\n        const municipalityTax = parseFloat(document.querySelector('[name=\"municipalityTax\"]').value);\n        const businessType = document.querySelector('[name=\"businessType\"]').value;\n        const valorVendaExchange = parseFloat(document.querySelector('[name=\"saleValueExchange\"]').value) || 0;\n        const patrimonialValueExchange = parseFloat(document.querySelector('[name=\"patrimonialValueExchange\"]').value) || 0;\n        const valorEscritura = businessType === \"Permuta\" ? 1075 : 700;\n\n        \/\/ Realizar c\u00e1lculos\n        const imt = calcularIMT(saleValue, propertyType, location);\n        const impostoSeloCompra = calcularImpostoSelo(saleValue);\n        const impostoSeloCredito = calcularImpostoSeloHipoteca(creditValue);\n        const imi = calcularIMI(patrimonialValue, municipalityTax);\n        const valorTotal = imt + impostoSeloCompra + impostoSeloCredito + imi + valorEscritura;\n\n        document.getElementById('calculationResult').innerHTML = `\n        <div class=\"simulator-section\">\n        <h3>Calculating the Costs of Buying a Property<\/h3>\n        <div class=\"form-group col-md-6 input-group result-value-simulator\">\n        <p><span>Deed:<\/span>${valorEscritura.toFixed(2)}<\/p>\n        <div class=\"input-group-addon\"><span>\u20ac<\/span><\/div>\n         <\/div>\n        <div class=\"form-group col-md-6 input-group result-value-simulator\">\n        <p><span>IS Acquisition:<\/span>${impostoSeloCompra.toFixed(2)}<\/p>\n        <div class=\"input-group-addon\"><span>\u20ac<\/span><\/div>\n        <\/div>\n        <div class=\"form-group col-md-6 input-group result-value-simulator\">\n        <p><span>IS Mortgage:<\/span>${impostoSeloCredito.toFixed(2)}<\/p>\n        <div class=\"input-group-addon\"><span>\u20ac<\/span><\/div>\n        <\/div>\n        <div class=\"form-group col-md-6 input-group result-value-simulator\">\n        <p><span>IMT:<\/span>${imt.toFixed(2)}<\/p>\n        <div class=\"input-group-addon\"><span>\u20ac<\/span><\/div>\n        <\/div>\n        <div class=\"form-group col-md-6 input-group result-value-simulator\">\n        <p><span>Annual IMI:<\/span>${imi.toFixed(2)}<\/p>\n        <div class=\"input-group-addon\"><span>\u20ac<\/span><\/div>\n        <\/div>\n        <div class=\"form-group col-md-6 input-group result-value-simulator\">\n        <p><span>TOTAL:<\/span>${valorTotal.toFixed(2)}<\/p>\n        <div class=\"input-group-addon\"><span>\u20ac<\/span><\/div>\n        <\/div>\n        \n<p class=\"simulator-notice\">These figures may vary depending on changes to certain elements. The figures are updated by the State Budget for 2023 Expenses for Acts carried out in Casa Pronta in accordance with Decree-Law 322-A\/2001 of 14 December.<\/p>\n<div>`;\n    });\n});\nfunction calcularIMT(valorVenda, valorVendaExchange, patrimonialValue, patrimonialValueExchange, tipoImovel, businessType) {\n    let taxaIMT = 0, parcelaAbater = 0, valorBaseIMT;\n\n    if (businessType === \"Permuta\") {\n        const diferencaValorVenda = Math.abs(valorVenda - valorVendaExchange);\n        const diferencaVPT = Math.abs(patrimonialValue - patrimonialValueExchange);\n        valorBaseIMT = Math.max(diferencaValorVenda, diferencaVPT);\n    } else {\n        valorBaseIMT = valorVenda;\n    }\n\n    if (tipoImovel === \"Habilita\u00e7\u00e3o Pr\u00f3pria e Permanente\") {\n        if (valorVenda <= 97064) {\n            taxaIMT = 0; parcelaAbater = 0;\n        } else if (valorVenda <= 132774) {\n            taxaIMT = 0.02; parcelaAbater = 1941.28;\n        } else if (valorVenda <= 181034) {\n            taxaIMT = 0.05; parcelaAbater = 5924.50;\n        } else if (valorVenda <= 301688) {\n            taxaIMT = 0.07; parcelaAbater = 9545.18;\n        } else if (valorVenda <= 603289) {\n            taxaIMT = 0.08; parcelaAbater = 12562.06;\n        } else if (valorVenda <= 1050400) {\n            taxaIMT = 0.06; parcelaAbater = 0; \/\/ Sem parcela a abater\n        } else {\n            taxaIMT = 0.075; parcelaAbater = 0; \/\/ Sem parcela a abater\n        }\n    } else if (tipoImovel === \"Habita\u00e7\u00e3o Secund\u00e1ria ou Arrendamento\") {\n        \/\/ L\u00f3gica completa para Habita\u00e7\u00e3o Secund\u00e1ria ou Arrendamento\n        if (valorVenda <= 97064) {\n            taxaIMT = 0.01; parcelaAbater = 0;\n        } else if (valorVenda <= 132774) {\n            taxaIMT = 0.02; parcelaAbater = 970.64;\n        } else if (valorVenda <= 181034) {\n            taxaIMT = 0.05; parcelaAbater = 4953.86;\n        } else if (valorVenda <= 301688) {\n            taxaIMT = 0.07; parcelaAbater = 8574.54;\n        } else if (valorVenda <= 603289) {\n            taxaIMT = 0.08; parcelaAbater = 11591.42;\n        } else {\n            taxaIMT = valorVenda <= 1050400 ? 0.06 : 0.075; \/\/ Sem parcela a abater\n            parcelaAbater = 0;\n        }\n    } else if (tipoImovel === \"Pr\u00e9dios R\u00fasticos\") {\n        taxaIMT = 0.05; parcelaAbater = 0; \/\/ Para Pr\u00e9dios R\u00fasticos\n    } else {\n        taxaIMT = 0.065; parcelaAbater = 0; \/\/ Para Pr\u00e9dios Urbanos e Outros\n    }\n\n        return (valorBaseIMT * taxaIMT) - parcelaAbater;\n}\n    \n\nfunction calcularIMI(vpt, taxaMunicipio) {\n    const taxaDecimal = taxaMunicipio \/ 100;\n    return vpt * taxaDecimal;\n}\n\n\nfunction calcularImpostoSelo(valorVenda) {\n    return valorVenda * 0.008; \/\/ 0,8% do valor de venda\n}\n\nfunction calcularImpostoSeloHipoteca(valorCredito) {\n    return valorCredito * 0.006; \/\/ 0,6% do valor do cr\u00e9dito\n}\nfunction printCalculation() {\n    window.print();\n}\n<\/script>\n\n<script>\nconst btn_prox=document.querySelector('.uacf7-next');btn_prox.textContent='Next';\nconst button = document.querySelector('.row-submit button'); button.textContent = 'Back';\n<\/script><\/div><\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div><\/form><\/div>\n<\/div>\n\n\n<div style=\"height:10rem\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to buying a new property it is very important to know all the expenses that involve this acquisition. In order for us to help you fill out all the fields in the form below.<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false},"acf":[],"_links":{"self":[{"href":"https:\/\/www.dsprivate.crochet.com.pt\/en\/wp-json\/wp\/v2\/pages\/3678"}],"collection":[{"href":"https:\/\/www.dsprivate.crochet.com.pt\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.dsprivate.crochet.com.pt\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.dsprivate.crochet.com.pt\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dsprivate.crochet.com.pt\/en\/wp-json\/wp\/v2\/comments?post=3678"}],"version-history":[{"count":9,"href":"https:\/\/www.dsprivate.crochet.com.pt\/en\/wp-json\/wp\/v2\/pages\/3678\/revisions"}],"predecessor-version":[{"id":3689,"href":"https:\/\/www.dsprivate.crochet.com.pt\/en\/wp-json\/wp\/v2\/pages\/3678\/revisions\/3689"}],"wp:attachment":[{"href":"https:\/\/www.dsprivate.crochet.com.pt\/en\/wp-json\/wp\/v2\/media?parent=3678"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}