Portaria n.º 302/94, de 18 de Maio de 1994
Portaria n.° 302/94 de 18 de Maio O acesso ao crédito destinado a habitação própria permanente encontra-se regulado pelo Decreto-Lei n.° 328-B/86, de 30 de Setembro, que tem vindo a ser sucessivamente flexibilizado nos últimos anos, concretamente na vertente bonificada, pela introdução de novas modalidades, como as das prestações constantes com bonificação fixa ou decrescente e a das taxas fixas.
Foi paralelamente criado em 1992 um regime apoiado de acesso à habitação no mercado do arrendamento, destinado aos jovens, e que tem tido um sucesso crescente, justificando plenamente a oportunidade da iniciativa a par da flexibilização da legislação do arrendamento.
Desde então, as taxas de juro no crédito bonificado desceram mais de sete pontos percentuais, tornando-se as mais baixas desde que foram criados os regimes bonificados de crédito para habitação própria em 1976, trazendo aos mutuários particulares vantagens como o acesso mais fácil ao crédito e a redução do esforço do mutuário.
Importa garantir que o esforço global do Estado em matéria de acesso à habitação assegure a continuidade da dinamização do mercado do arrendamento e o acesso à habitação nesta alternativa que oferece soluções mais flexíveis e de maior mobilidade populacional, afectando-lhe recursos financeiros que por aquela via se vão disponibilizando.
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