{"id":1518,"date":"2026-01-28T20:32:00","date_gmt":"2026-01-29T01:32:00","guid":{"rendered":"https:\/\/ganhosegastos.ca\/?p=1518"},"modified":"2026-01-28T20:33:41","modified_gmt":"2026-01-29T01:33:41","slug":"2025-o-ano-perdido-e-a-incognita-de-2026","status":"publish","type":"post","link":"https:\/\/ganhosegastos.ca\/pt-pt\/2025-o-ano-perdido-e-a-incognita-de-2026\/","title":{"rendered":"2025: O Ano Perdido (e a Inc\u00f3gnita de 2026)"},"content":{"rendered":"<p data-path-to-node=\"3\">Come\u00e7\u00e1mos 2025 com um sentimento nervoso de incerteza e, para variar um pouco, estamos a come\u00e7ar 2026 sem qualquer tipo de mapa.<\/p>\n<p data-path-to-node=\"4\">Se o ano passado pareceu um &#8220;ano perdido&#8221; para o setor imobili\u00e1rio, foi porque pass\u00e1mos doze meses \u00e0 espera de uma retoma que nunca chegou a concretizar-se. Em janeiro passado, analisei o que 2025 nos poderia reservar no artigo: <b data-index-in-node=\"229\" data-path-to-node=\"4\"><a data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwi_5uPuqq6SAxUAAAAAHQAAAAAQgA4\" href=\"https:\/\/ganhosegastos.ca\/pt-pt\/2025-o-que-esperar-do-mercado-imobiliario\/\" target=\"_blank\" style=\"outline: none;\">Mercado Imobili\u00e1rio 2025: O Que Podemos Esperar?<\/a><\/b>.<\/p>\n<p data-path-to-node=\"5\">Olhando para tr\u00e1s, tivemos a descida das taxas de juro que tanto desej\u00e1vamos, mas o &#8220;salto&#8221; no mercado ficou-se pelo caminho. Agora, ao entrarmos em 2026, a verdade nua e crua \u00e9 que <b data-index-in-node=\"182\" data-path-to-node=\"5\">ainda n\u00e3o sabemos<\/b> se as coisas v\u00e3o finalmente avan\u00e7ar.<\/p>\n<h3 data-path-to-node=\"6\">Juros a descer, mas o mercado continua travado<\/h3>\n<p data-path-to-node=\"7\">Esta semana, o Banco do Canad\u00e1 manteve a taxa de juro nos 2,25%. Embora pare\u00e7a uma boa not\u00edcia em compara\u00e7\u00e3o com o cen\u00e1rio de h\u00e1 dois anos, a verdade \u00e9 que esta descida n\u00e3o gerou a corrida \u00e0s compras que muitos previam. Com o d\u00f3lar canadiano nos 0,74 USD e o peso das novas tarifas comerciais a afetar a economia, as pessoas est\u00e3o a ser extremamente cautelosas com o seu dinheiro.<\/p>\n<p data-path-to-node=\"8\">J\u00e1 n\u00e3o estamos a tentar adivinhar at\u00e9 onde v\u00e3o descer os juros. Agora, a d\u00favida \u00e9 se a economia tem for\u00e7a suficiente para que as fam\u00edlias se sintam confort\u00e1veis ao assumir um cr\u00e9dito \u00e0 habita\u00e7\u00e3o.<\/p>\n<h3 data-path-to-node=\"9\">Por que raz\u00e3o est\u00e1 tudo &#8220;em banho-maria&#8221;?<\/h3>\n<p data-path-to-node=\"10\">A realidade que vemos no terreno conta uma hist\u00f3ria de impasse:<\/p>\n<ul data-path-to-node=\"11\">\n<li>\n<p data-path-to-node=\"11,0,0\"><b data-index-in-node=\"0\" data-path-to-node=\"11,0,0\">O impasse dos condom\u00ednios:<\/b> Em zonas como a Grande Toronto (GTA), h\u00e1 mais apartamentos \u00e0 venda do que pessoas dispostas a comprar. Os vendedores continuam agarrados aos pre\u00e7os de 2023, mas os compradores olham para a economia e preferem esperar.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"11,1,0\"><b data-index-in-node=\"0\" data-path-to-node=\"11,1,0\">A seguran\u00e7a no emprego \u00e9 o que conta:<\/b> Com o desemprego nos 6,8%, a taxa de juro pouco importa se houver receio em rela\u00e7\u00e3o ao posto de trabalho. As decis\u00f5es de compra est\u00e3o agora mais ligadas \u00e0 estabilidade profissional do que ao custo do dinheiro.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"11,2,0\"><b data-index-in-node=\"0\" data-path-to-node=\"11,2,0\">Menos inquilinos no mercado:<\/b> As novas regras que reduziram o n\u00famero de estudantes internacionais e vistos de resid\u00eancia est\u00e3o finalmente a sentir-se no mercado de arrendamento. Para os investidores, as contas j\u00e1 n\u00e3o s\u00e3o t\u00e3o f\u00e1ceis como antes.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"12\">Conclus\u00e3o<\/h3>\n<p data-path-to-node=\"13\">Num mercado t\u00e3o nebuloso, ter paci\u00eancia \u00e9, por si s\u00f3, uma estrat\u00e9gia. 2026 poder\u00e1 eventualmente encontrar o seu equil\u00edbrio, mas, por agora, n\u00e3o h\u00e1 mal nenhum em ficar de fora a observar. Todos queremos a recupera\u00e7\u00e3o do mercado, mas fingir que tudo voltou ao normal \u00e9, neste momento, apenas um desejo sem fundamento.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Come\u00e7\u00e1mos 2025 com um sentimento nervoso de incerteza e, para variar um pouco, estamos a come\u00e7ar 2026 sem qualquer tipo de mapa. Se o ano passado pareceu um &#8220;ano perdido&#8221; para o setor imobili\u00e1rio, foi porque pass\u00e1mos doze meses \u00e0 espera de uma retoma que nunca chegou a concretizar-se. Em janeiro passado, analisei o que [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1520,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","tve_updated_post":"<div class=\"thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad\" data-css=\"tve-u-697ab73e132322\" style=\"\"><div class=\"tve-content-box-background\"><\/div><div class=\"tve-cb\"><div class=\"thrv_wrapper thrv_text_element\"><p data-path-to-node=\"3\">Come\u00e7\u00e1mos 2025 com um sentimento nervoso de incerteza e, para variar um pouco, estamos a come\u00e7ar 2026 sem qualquer tipo de mapa.<\/p><p data-path-to-node=\"4\">Se o ano passado pareceu um \"ano perdido\" para o setor imobili\u00e1rio, foi porque pass\u00e1mos doze meses \u00e0 espera de uma retoma que nunca chegou a concretizar-se. Em janeiro passado, analisei o que 2025 nos poderia reservar no artigo: <b data-index-in-node=\"229\" data-path-to-node=\"4\"><a data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwi_5uPuqq6SAxUAAAAAHQAAAAAQgA4\" href=\"https:\/\/ganhosegastos.ca\/pt-pt\/2025-o-que-esperar-do-mercado-imobiliario\/\" target=\"_blank\" class=\"\" style=\"outline: none;\">Mercado Imobili\u00e1rio 2025: O Que Podemos Esperar?<\/a><\/b>.<\/p><p data-path-to-node=\"5\">Olhando para tr\u00e1s, tivemos a descida das taxas de juro que tanto desej\u00e1vamos, mas o \"salto\" no mercado ficou-se pelo caminho. Agora, ao entrarmos em 2026, a verdade nua e crua \u00e9 que <b data-index-in-node=\"182\" data-path-to-node=\"5\">ainda n\u00e3o sabemos<\/b> se as coisas v\u00e3o finalmente avan\u00e7ar.<\/p><h3 data-path-to-node=\"6\">Juros a descer, mas o mercado continua travado<\/h3><p data-path-to-node=\"7\">Esta semana, o Banco do Canad\u00e1 manteve a taxa de juro nos 2,25%. Embora pare\u00e7a uma boa not\u00edcia em compara\u00e7\u00e3o com o cen\u00e1rio de h\u00e1 dois anos, a verdade \u00e9 que esta descida n\u00e3o gerou a corrida \u00e0s compras que muitos previam. Com o d\u00f3lar canadiano nos 0,74 USD e o peso das novas tarifas comerciais a afetar a economia, as pessoas est\u00e3o a ser extremamente cautelosas com o seu dinheiro.<\/p><p data-path-to-node=\"8\">J\u00e1 n\u00e3o estamos a tentar adivinhar at\u00e9 onde v\u00e3o descer os juros. Agora, a d\u00favida \u00e9 se a economia tem for\u00e7a suficiente para que as fam\u00edlias se sintam confort\u00e1veis ao assumir um cr\u00e9dito \u00e0 habita\u00e7\u00e3o.<\/p><h3 data-path-to-node=\"9\">Por que raz\u00e3o est\u00e1 tudo \"em banho-maria\"?<\/h3><p data-path-to-node=\"10\">A realidade que vemos no terreno conta uma hist\u00f3ria de impasse:<\/p><ul data-path-to-node=\"11\"><li><p data-path-to-node=\"11,0,0\"><b data-index-in-node=\"0\" data-path-to-node=\"11,0,0\">O impasse dos condom\u00ednios:<\/b> Em zonas como a Grande Toronto (GTA), h\u00e1 mais apartamentos \u00e0 venda do que pessoas dispostas a comprar. Os vendedores continuam agarrados aos pre\u00e7os de 2023, mas os compradores olham para a economia e preferem esperar.<\/p><\/li><li><p data-path-to-node=\"11,1,0\"><b data-index-in-node=\"0\" data-path-to-node=\"11,1,0\">A seguran\u00e7a no emprego \u00e9 o que conta:<\/b> Com o desemprego nos 6,8%, a taxa de juro pouco importa se houver receio em rela\u00e7\u00e3o ao posto de trabalho. As decis\u00f5es de compra est\u00e3o agora mais ligadas \u00e0 estabilidade profissional do que ao custo do dinheiro.<\/p><\/li><li><p data-path-to-node=\"11,2,0\"><b data-index-in-node=\"0\" data-path-to-node=\"11,2,0\">Menos inquilinos no mercado:<\/b> As novas regras que reduziram o n\u00famero de estudantes internacionais e vistos de resid\u00eancia est\u00e3o finalmente a sentir-se no mercado de arrendamento. Para os investidores, as contas j\u00e1 n\u00e3o s\u00e3o t\u00e3o f\u00e1ceis como antes.<\/p><\/li><\/ul><h3 data-path-to-node=\"12\">Conclus\u00e3o<\/h3><p data-path-to-node=\"13\">Num mercado t\u00e3o nebuloso, ter paci\u00eancia \u00e9, por si s\u00f3, uma estrat\u00e9gia. 2026 poder\u00e1 eventualmente encontrar o seu equil\u00edbrio, mas, por agora, n\u00e3o h\u00e1 mal nenhum em ficar de fora a observar. Todos queremos a recupera\u00e7\u00e3o do mercado, mas fingir que tudo voltou ao normal \u00e9, neste momento, apenas um desejo sem fundamento.<\/p><\/div><\/div><\/div>","tve_custom_css":"@media (min-width: 300px){[data-css=\"tve-u-697ab73e132322\"] { padding: 0px !important; margin: 0px !important; }.tcb-post-list[data-css=\"tve-u-19673ade9c7\"] .post-wrapper.thrv_wrapper { width: calc(33.3333% - 10px); }.tcb-post-list[data-css=\"tve-u-19673ade9c7\"] .post-wrapper.thrv_wrapper:nth-child(n+4) { margin-top: 35px !important; }.tcb-post-list[data-css=\"tve-u-19673ade9c7\"] .post-wrapper.thrv_wrapper:not(:nth-child(n+4)) { margin-top: 0px !important; }.tcb-post-list[data-css=\"tve-u-19673ade9c7\"] .post-wrapper.thrv_wrapper:not(:nth-child(3n)) { margin-right: 15px !important; }.tcb-post-list[data-css=\"tve-u-19673ade9c7\"] .post-wrapper.thrv_wrapper:nth-child(3n) { margin-right: 0px !important; }.tcb-post-list[data-css=\"tve-u-1964ef8b98d\"] .post-wrapper.thrv_wrapper { width: calc(100% + 0px); }.tcb-post-list[data-css=\"tve-u-1964ef8b98d\"] .post-wrapper.thrv_wrapper:nth-child(n+2) { margin-top: 15px !important; }.tcb-post-list[data-css=\"tve-u-1964ef8b98d\"] .post-wrapper.thrv_wrapper:not(:nth-child(n+2)) { margin-top: 0px !important; }.tcb-post-list[data-css=\"tve-u-1964ef8b98d\"] .post-wrapper.thrv_wrapper:not(:nth-child(n)) { margin-right: 15px !important; }.tcb-post-list[data-css=\"tve-u-1964ef8b98d\"] .post-wrapper.thrv_wrapper:nth-child(n) { margin-right: 0px !important; }}","tve_user_custom_css":"","tve_globals":{"e":"1","font_cls":[]},"tcb2_ready":1,"tcb_editor_enabled":1,"tve_landing_page":"","_tve_header":"","_tve_footer":""},"categories":[7,4,66,1],"tags":[],"class_list":["post-1518","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-imobilario","category-juros","category-sem-categoria","post-wrapper","thrv_wrapper"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2025: O Ano Perdido (e a Inc\u00f3gnita de 2026) - Ganhos &amp; Gastoss<\/title>\n<meta name=\"description\" content=\"2025 foi um &quot;ano perdido&quot; no imobili\u00e1rio. Com juros a 2,25% e o d\u00f3lar a 0,74$, ser\u00e1 que 2026 traz a retoma ou mais incerteza?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ganhosegastos.ca\/pt-pt\/2025-o-ano-perdido-e-a-incognita-de-2026\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2025: O Ano Perdido (e a Inc\u00f3gnita de 2026) - Ganhos &amp; Gastoss\" \/>\n<meta property=\"og:description\" content=\"2025 foi um &quot;ano perdido&quot; no imobili\u00e1rio. 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