One floor house with open concept living kitchen

House T5 (3+, two divisions in the attic)isolated with garage, garden, sea view located in the village of Ericeira. LU: 99/2010 _ AU: 244.20 m² The property is composed as follows: - Floor 0 with entrance hall, living room with fireplace and access to garden, dining room and kitchen in open space with access to outdoor space, bathroom with shower base, one bedroom. - Floor 1, hall of the bedrooms, three suites (two with wardrobe, one with closet). - Floor 2, bedroom with access to terrace with sea view, storage area, bathroom with polyban, office. Large garage with storage area, garden, terrace and barbecue. Equipment: Kitchen equipped with hob, oven, hood, water heater, microwave, refrigerator, dishwasher and washing machine. * Not included in the project. Rental conditions: * 2 lace, * 1 deposit, *Surety * Proof of income, * 1-year renewable contract, * Does not accept AL (local accommodation) * All available information does not dispense with confirmation by the mediator as well as consultation of the property documentation. *

* Appointments in advance* Gaveto villa in excellent condition, excellent solar orientation, good areas and outdoor space, 800 meters from São Julião Beach and about 7 km from the village of Ericeira. You can take advantage of this property for holidays or live day by day!! House T2 + 1 (attic transformed into living room / office) composed of: - Floor 0 with entrance hall, living room with fireplace with stove and open space kitchen with balcony to make separation, support bathroom. - Floor 1 with bedroom hall, two bedrooms with wardrobe, bathroom with shower base and pre installation for bathtub. - Floor 2 with attic with area of 21 m² transformed into living room and office with fireplace with stove, pre installation for toilet, with windows. Exterior with shed with barbecue area and space to park cars. equipment: kitchen-oven, hob, central heating * All available information does not dispense with confirmation by the mediator as well as consultation of the property documentation. * --------------------------------------------------------------------------------------------------- This region, known as the saloia area, allows to slow down the city's daily life while maintaining a pleasant pace of life and a desirable lifestyle. Located about 20 minutes from Lisbon, access: A8 and A21. Ericeira - 'Where the sea is bluer' is considered the 2nd world surf reserve since 2011, and the only one in Europe. It has very prestigious beaches for the practice of it, such as Ribeira d' Ilhas, Foz do Lizandro, Praia dos Coxos in Ribamar, among many others. Kitesurfing, windsurfing, bodyboarding and stand-up paddle boarding are also highly practiced. This fishing village was also elected, in 2018, the 2nd best parish of Lisbon to live, being under analysis the security, access and leisure spaces. Among the customs and traditions, Ericeira is a land of seafood and the art of fishing. The 3rd place was awarded to the parish of Mafra, county seat (currently with 11 parishes) and was considered in 2021 the 2nd national municipality with the highest population growth in the last decade. A village rich in history, marked by the construction of the National Palace of Mafra, classified as a World Heritage Site by UNESCO in 2019. Mafra also has some hidden treasures as is the case of the only National Tapada of Mafra.

**Rented property, appointment spree in advance** 3 bedroom villa of contemporary architecture with energy certification A+, located 800 meters from the beach, and about 2 km from Ericeira, inserted in a quiet area of villas and easy access to the center of the village of Ericeira as well as the traditional trade and main access routes. House composed of: - Basement with garage for two cars plus storage, laundry area and bathroom support. - Floor 0 with entrance hall, living room with dining area in open space with kitchen and double-sided fireplace, access to balcony, cas and social bath with window. - On the 1st floor we have three suites, any of them with access to balcony or terrace, two with wardrobe and one with closet, bathroom with shower base. Outside we have a garden around the villa and barbecue in the back. Equipment: Kitchen equipped with: combined, dishwasher, induction hob, oven, hood and microwave. Pre-installation of air conditioning and central vacuum and washing machine in the laundry room. Solar panels for heating sanitary water. - Areas removed from the LU and CPU - * All available information does not dispense with confirmation by the mediator as well as consultation of the property documentation. *

House T2 +2 (1 bedroom in the attic + 1 bedroom in the basement), inserted in a plot of 651 m² in a quiet village 7 km from Ericeira. Excellent areas, great sun exposure and a privileged view of the countryside. House composed of: - Floor 0 for garage for two cars and a storage area with a bedroom(*), a laundry(*), a bathroom(*) and also space to transform into an office(*), games room or gym(*). - Floor 1 with entrance hall with stairs to the other floors, living room with fireplace and with a 5.5 m right foot prepared for the construction of a mezzanine, with access to the 1st floor, window overlooking the sea and all the necessary electrical and communications installation, two bedrooms (one en suite) two bathrooms, kitchen and also a large terrace outside. - Floor 2, attic in open space with a bedroom(*) and a bathroom(*). Equipment: House equipped with central vacuum, pre-installation of air conditioning, solar panels for water heating, double-glazed frames and windows with doors, automatic gates. Kitchen equipped with oven, hob, hood, water heater and dishwasher. (*) They are not included in the project * All available information does not dispense with confirmation by the mediator as well as consultation of the property documentation. *

House T3 +1, isolated, inserted in a plot of 600 m² with excellent solar orientation, space for swimming pool, and covered barbecue in the back. Located about 1 km from the center of ericeira village, with excellent access to the beach. House composed of: - Entrance to living room and kitchen in open space, with fireplace and stove, both rooms with access to the outside, kitchen, hall of the rooms with support bathroom with window and shower base, two bedrooms (one with wardrobe), suite (bathroom with window and shower base), access to the attic (*). Attic (*) with bathroom with window and shower base, and two bedrooms. Abroad we have: Landscaped area, with hole and automatic irrigation, barbecue covered with electricity, dishwasher and wood oven and garage for 1 car more storage. We also have an area with a floor that serves as parking inside the property. Equipment: Kitchen equipped with stove, oven, extractor hood, dishwasher and washing machine. (*) Attic is not included in the project and has low right foot. * All available information does not dispense with confirmation by the mediator as well as consultation of the property documentation. * _______________ This region, known as the saloia area, allows to slow down the city's daily life while maintaining a pleasant pace of life and a desirable lifestyle. Located about 30 minutes from Lisbon, access: A8 and A21. 'Where the sea is bluer' ? Ericeira, was elected in 2018 the 2nd best parish of Lisbon to live, being in analysis security, access and leisure spaces. Between customs and traditions, Ericeira is a land of seafood and surfing. The 3rd place was assigned to the parish of Mafra, county seat (currently with 11 parishes). A village rich in history, marked by the construction of the National Palace of Mafra, yet focused on the needs of modern day-to-day life.

Moradia T3 Isolada Moradia de arquitetura contemporania, em fase de construção. Possibilidade de escolha dos materiais de acabamentos, e assim tornar esta casa a sua casa de sonho. Moradia res do chão, com sala e cozinha em open space, 3 quartos, sendo um deles uma suite (todos com roupeiros embutidos) e um Wc completo. Cave com garagem, lavandaria e 2 espaços que podem ser convertidos em escritorio e arrumos. A propriedade tem uma excelente exposição solar e encontra-se a poucos minutos da Praia. Zona tranquila, com facil acesso. Proximo de escolas e zonas de comércio. House of contemporary architecture design, under construction. Possibility of choice of the finishing materials and thus make this house your dream home. One floor House, with open concept living room and kitchen, 3 bedrooms, one of which is a suite (all with built-in closet) and a complete bathroom. Basement with garage, laundry room and 2 rooms that can be converted into an office and the other into a storage room. This property has excellent sun exposure. Located a few minutes from the beach. Quiet area with easy access. Close to schools and shopping area. Maison Individuelle avec 3 chambres Maison Á l'architecture contemporaine, en construction. Possibilité de choisir les matériaux de finition, et ainsi faire de cette maison la maison de vos rêves. Maison au rez-de-chaussée, avec salon et cuisine Á aire ouverte, 3 chambres dont une suite (toutes avec placards intégrés) et une salle de bain complí¨te. Sous-sol avec garage, buanderie et 2 espaces pouvant être aménagés en bureau et rangement. La propriété bénéficie d'une excellente exposition au soleil et se trouve Á seulement quelques minutes de la plage. Quartier calme, avec un accí¨s facile. A proximité des écoles et des commerces. Maison Á l'architecture contemporaine, en construction. Possibilité de choisir les matériaux de finition, et ainsi faire de cette maison la maison de vos rêves. Maison au rez-de-chaussée, avec salon et cuisine Á aire ouverte, 3 chambres dont une suite (toutes avec placards intégrés) et une salle de bain complí¨te. Sous-sol avec garage, buanderie et 2 espaces pouvant être aménagés en bureau et rangement. La propriété bénéficie d'une excellente exposition au soleil et se trouve Á seulement quelques minutes de la plage. Quartier calme, avec un accí¨s facile. A proximité des écoles et des commerces. Se procura Consultoria Imobiliária de excelência, encontrá-la-á aqui, na Decisões e Soluções - Alto Minho Tem conosco um acompanhamento personalizado Á medida do seus pedidos e características. O nosso serviço de intermediação de crédito é o mais profissional e assertivo do mercado! Sem rodeios, sem demoras, nem incertezas, conheça conosco as melhores condições do mercado para o seu crédito habitação e a consolidação dos seus compromissos financeiros, para que possa conquistar a casa dos seus sonhos! Escolha Exclusiva, Mediação Imobiliária, Lda. Ami 18126. Intermediário de crédito vinculado pelo Banco de Portugal sob n. 6319.

Come and meet this fantastic 3 bedroom villa, with plenty of light and a beautiful glazed wall for an excellent end of the afternoon, located in a square with no way out, with garden and barbecue covered with wood oven. Plot of 394m², less than 600meters from the beach and about 2Km from the center of Ericeira. The villa develops as follows: - Entrance to a large entrance hall with light sensor, access to the laundry room that in turn accesses the garage, where we have space for a car, and also a small storage area. Both gates are automatic. Living room and kitchen in open space with access to the outside. We have a leisure area with pellet stove and a dining area with glazed wall overlooking the garden and very sunny. Kitchen with peninsula. - On the 1st floor we have a circulation hall, a bedroom with wardrobe and access to the terrace, support bathroom with bathtub and window, closet to support the second bedroom, also this one with access to the terrace. Terrace with 22m² and garden views with the sea on the horizon. Outside we have a landscaped area to the west of the villa, small cultivation areas and parking space of 1 or 2 cars in front of the villa. (*) The west there is a barbecue covered with wood oven and annex for storage, these unlicensed. Equipment: Kitchen equipped with hob, oven, hood, dishwasher and clothes, combined and microwave. * All available information does not dispense with confirmation by the mediator as well as consultation of the property documentation. *

Land with 4.190m² (area in the documentation) for construction of contemporary architecture house of typology T4 with approved project and license to pay, inserted in an area of very quiet, with a fantastic view of the countryside and very close to the beaches of Ericeira and the main access roads. Located about 8 km from the village of Ericeira and 4 km from Mafra. Land with feasibility approved on 2 August 2021, for construction of detached architecture villa with total gross area of 330.20m² contemporary and with implantation area of 215 m², with approved project, composed as follows: - Ground floor with living room and kitchen in open space with laundry area and pantry, three bedrooms being one en suite, full bathroom. Two-car garage. - Floor 1 master suite with fantastic countryside view. - Basement: room (potential for cinema). The exterior also includes an atelier of 50 m2 with bathroom. The project is approved and licensed for payment. ** Land area according to topographical survey is 3.945 m² **. * All available information does not dispense with confirmation by the mediator as well as consultation of the property documentation. * This region, known as the saloia area, allows to slow down the city's daily life while maintaining a pleasant pace of life and a desirable lifestyle. Located about 20 minutes from Lisbon, access: A8 and A21. Ericeira - 'Where the sea is bluer' is considered the 2nd world surf reserve since 2011, and the only one in Europe. It has very prestigious beaches for the practice of it, such as Ribeira d' Ilhas, Foz do Lizandro, Praia dos Coxos in Ribamar, among many others. Kitesurfing, windsurfing, bodyboarding and stand-up paddle boarding are also highly practiced. This fishing village was also elected, in 2018, the 2nd best parish of Lisbon to live, being under analysis the security, access and leisure spaces. Among the customs and traditions, Ericeira is a land of seafood and the art of fishing. The 3rd place was awarded to the parish of Mafra, county seat (currently with 11 parishes) and was considered in 2021 the 2nd national municipality with the highest population growth in the last decade. A village rich in history, marked by the construction of the National Palace of Mafra, classified as a World Heritage Site by UNESCO in 2019. Mafra still has some hidden treasures as is the case of the only National Tapada of Mafra

2 bedroom apartment, refurbished, with good sun exposure and terrace with sea view. Located in urbanization about 1.5 km from the center of ericeira village. The property consists of: - Entrance to living room and kitchen in open space plan, with dining area, fireplace and access to balcony with sea view, kitchen, area of the rooms with support bathroom with shower base, two bedrooms with wardrobe, one with access to balcony with sea view, another with access to closed balcony. Apartment refurbished to the level of plumbing, kitchen and new bathrooms, new floor, new windows in PVC oscillo-stop, electric blinds, false ceiling with foci. Equipment: Kitchen equipped with hob, oven, hood, dishwasher, washing machine, combined and microwave. * All available information does not dispense with confirmation by the mediator as well as consultation of the property documentation. *

Apartamento T3 duplex totalmente remodelado com logradouro localizado na zona da Graça, ao nível do R/C, de um prédio em ótimo estado de conservação. O apartamento distribui-se por 2 pisos e é composto por: - 3 quartos, um deles suite e um interior; - 2 casas de banho completas com duche; - sala e cozinha em open space totalmente equipada e com arrumação. O apartamento conta com janelas de vidro duplo e oscilobatentes de um lado e do outro lado janelas de vidro duplo de correr e piso radiante nas zonas frias (cozinha e casa). Fantástico chão em sucupira. Logradouro com 27 m2 com zona de refeições e jardim com rega automática nos canteiros e iluminação. Este apartamento prima pela sua localização central. Nas imediações podemos encontrar todo o tipo de comércio local e serviços, bancos, escolas, espaços verdes e de lazer. Com excelente potencial, seja para investimento ou para habitação própria. Venha conhecer a sua futura casa no Coração de Lisboa! 3 bedroom duplex apartment totally refurbished with patio located in the area of Graça, at the level of the Ground Floor, a building in great condition. The apartment is distributed over 2 floors and consists of: - 3 bedrooms, one of them suite and one interior; - 2 full bathrooms with shower; - living room and kitchen in open space fully equipped and with storage. The apartment has double-glazed windows and oscillobatentes on one side and on the other side double-glazed sliding windows and underfloor heating in the cold areas (kitchen and house). Great sucupira floor. Patio with 27 m2 with dining area and garden with automatic irrigation in the flower beds and lighting. This apartment excels in its... #ref:APA_2017 (2) (2)

PT - Moradia inserida num terreno com 3.620 m2 com Piscina e duas Garagens fechadas. A moradia divide-se por duas construções, onde a mais antiga, a necessitar de restauro, é composta por uma sala, uma cozinha, dois quartos, uma casa de banho e uma arrecadação. A construção mais recente é uma moradia duplex, habitável, composta por sala com lareira e mini bar, cozinha completamente equipada, um quarto, casa de banho e garagem fechada. No 1º piso tem cinco quartos e uma casa de banho com banheira. No exterior, com vista desafogada para campo e mar, tem um pequeno anexo, piscina virada a sul e bastante lugares de estacionamento. Devido à amplitude do terreno este tem bastante potencial para rentabilização, como unidade turística, ou para projeto de restauro para uma moradia isolada com bastante espaço útil, mais moderna, com enorme terreno, no centro de Albufeira perto de todos os bens e serviços. Contacte-nos para mais informações e conheça esta propriedade, ideal para residência permanente ou rentabilizar. EN - House inserted in a plot of 3620 m2 with swimming pool and two closed garages. The house is divided into two buildings, the oldest, in need of restoration, comprises a living room, a kitchen, two bedrooms, a bathroom and a storage room. The most recent construction is a duplex house, habitable, comprising living room with fireplace and mini bar, fully equipped kitchen, one bedroom, bathroom and garage. On the 1st floor there are five bedrooms and a bathroom with bathtub. Outside, with open views over the countryside and the sea, it has a small annex, a south-facing swimming pool and plenty of parking spaces. Due to the vastness of the land this has plenty of potential for profitability, as a tourist unit, or for a restoration project for a detached house with plenty of useful space, more modern, with huge land, in the center of Albufeira close to all goods and services. Contact us for more information and discover this property, ideal

Apartamento t2 remodelado com requinte, vidros duplos, cozinha equipada e ar condicionado, precianas eletricas a casa situa-se no centro da fantastica cidade de Olhao junto a avenida. Excelente apartamento t2, localizado na Cidade de Olhão muito próximo da Avenida da Republica e Escolas. Casa composto por uma sala e cozinha equipada em Open sepace, dois quartos com roupeiro sendo um em suite, duas casas de banho com duche, duas varandas, os quartos com pre instalaçao de ar condicionado, a cozinha possui ar condicionado, frigorifico, micro-ondas, forno, maquina de lavar loiça, maquina de lavar roupa, termoacumulador, exaustor e placa eletrica, duas casas de banho com duche. Excelente investimento para quem procure uma boa casa de família. O apartamento situa-se no segundo andar num edifício sem elevador. Visite e compre com Chave Na Casa! 917716095 / 289055656 T2 apartment refurbished with refinement, double glazing, equipped kitchen and air conditioning, electric precianas The house is located in the center of the fantastic city of Olhão, next to Avenida... Excellent 2 bedroom apartment, with very good areas located in the city of Olhão, very close to Avenida da Republica and Escolas. The apartment is located on the second floor in a building with no elevator. House consisting of a living room and kitchen in Open sepace, two bedrooms with wardrobes, one en suite, two bathrooms, two balconies, the bedrooms with pre-installation of air conditioning, the kitchen has air conditioning, fridge, microwave, oven, dishwasher, washing machine, water heater, extractor fan and electric hob, two bathrooms with shower. Excellent investment for those looking for a good family home. Visit and buy with Key Na Casa! 917716095 / 289055656 Appartement T2 rénové avec raffinement, double vitrage, cuisine équipée et climatisation, precianas électriques La maison est située dans le centre de la fantastique ville d'Olhão, à côté de l'Avenida... Excellent appartement de 2 chambres, avec de très bonnes zones situées dans la ville d'Olhão, très proche de l'Avenida da Republica et d'Escolas. L'appartement est situé au deuxième étage d'un immeuble sans ascenseur. Maison composée d'un salon et d'une cuisine en espace ouvert, deux chambres avec placards, une en suite, deux salles de bains, deux balcons, les chambres avec pré-installation de la climatisation, la cuisine dispose de la climatisation, réfrigérateur, micro-ondes, four, lave-vaisselle, lave-linge, chauffe-eau, hotte aspirante et plaques électriques, deux salles de bains avec douche. Excellent investissement pour ceux qui recherchent une bonne maison familiale. Visitez et achetez avec Key Na Casa! 917716095 / 289055656

Apartamento T3 duplex totalmente remodelado com logradouro localizado na zona da Graça, ao nível do R/C, de um prédio em ótimo estado de conservação. O apartamento distribui-se por 2 pisos e é composto por: - 3 quartos, um deles suite e um interior; - 2 casas de banho completas com duche; - sala e cozinha em open space totalmente equipada e com arrumação. O apartamento conta com janelas de vidro duplo e oscilobatentes de um lado e do outro lado janelas de vidro duplo de correr e piso radiante nas zonas frias (cozinha e casa). Logradouro com 27 m2 com zona de refeições e jardim com rega automática nos canteiros e iluminação. Este apartamento prima pela sua localização central. Nas imediações podemos encontrar todo o tipo de comércio local e serviços, bancos, escolas, espaços verdes e de lazer. Com excelente potencial, seja para investimento ou para habitação própria. Venha conhecer a sua futura casa no Coração de Lisboa! *********************************************************************************************************************************************************************** 3 bedroom duplex apartment totally refurbished with patio located in the area of Graça, at the level of the Ground Floor, a building in great condition. The apartment is distributed over 2 floors and consists of: - 3 bedrooms, one of them suite and one interior; - 2 full bathrooms with shower; - living room and kitchen in open space fully equipped and with storage. The apartment has double-glazed windows and oscillobatentes on one side and on the other side double-glazed sliding windows and underfloor heating in the cold areas (kitchen and house). Patio with 27 m2... #ref:APA_2017 (2)

Excelente moradia em banda T2 com logradouro e garagem. Esta moradia no rés do chão é composta por uma sala e cozinha amplas em conceito open space, dois quartos, sendo um dele suite, e duas casas de banho completas. Na cave possui uma garagem fechada para dois carros e uma lavandaria. No exterior dispõe ainda de um logradouro á luz natural e estacionamento para um carro. Excelente exposição solar, e com ótimos acessos. Com todos os serviços ao pé. Não perca. Marque já a sua visita! A história de sucesso da rede imobiliária LardeSonho deve-se a um serviço de excelência, personalizado para cada cliente, marcado por três premissas- SATISFAÇÃO- RECOMENDAÇÃO-FIDELIZAÇÃO. É a Maior Rede Imobiliária 100% Nacional tendo 24 agências distribuídas por todo o país com mais de 400 Consultores, o que garante uma presença forte junto de potenciais compradores e investidores. A Rede Imobiliária LardeSonho tem como ferramentas uma equipa de profissionais dinâmicos, motivados, com uma vasta experiência; uma carteira de imóveis aos preços mais competitivos do mercado; uma atitude proactiva que se carateriza por inúmeras iniciativas de marketing, campanhas, eventos publicitários, promovendo e divulgando com sucesso a sua carteira de imóveis em cada localidade onde tem Agência. Aliados a parcerias com instituições bancárias, gabinetes de arquitetura, empresas de construção, marketing e publicidade, a rede Imobiliária LardeSonho ajuda os seus clientes a encontrar a solução adequada às suas necessidades. ---- Excellent 2 bedroom townhouse with patio and garage. This villa on the ground floor consists of a large living room and kitchen in open space concept, two bedrooms, one of them being en suite, and two full bathrooms. In the basement there is a closed garage for two cars and a laundry room. Outside there is also a patio with natural light and parking for one car. Excellent sun exposure, with great access and fantastic views. Don't miss out. Check your visit now! The success story of LardeSonho Real Estate network is due to a service of excellence, personalized to each client, marked by three premises - Satisfaction, Recommendation and loyalty. It is the largest real estate network 100% national having 24 agencies distributed throughout the country with more than 400 consultants, which ensures a strong presence among potential buyers and investors. The Real Estate Network LardeSonho has as tools a team of dynamic professionals, motivated, with a vast experience; a portfolio of properties to the most competitive prices in the market; a proactive attitude that is characterized by numerous marketing initiatives, campaigns, advertising events, promoting and disseminating successfully its portfolio of properties in each location where it has Agency. Allied the partnerships with banking institutions, architecture offices, construction companies, marketing and advertising, the LardeSonho Real Estate network helps its clients to find the adequate solution to their needs.

(ref.: ss0396 - sara santos negócios) moradia t3 com 2 pisos - acabamentos modernos - 3 quartos (um deles suite) - 3 wcs - cozinha e sala em open space - caixilharia em alumínio com vidro duplo - portão automático - roupeiros embutidos com iluminação interior - cozinha equipada com eletrodomésticos e mobilada - sala ampla - luz natural em todas as divisões - piso flutuante - bomba de calor - ar condicionado (suite e na sala, restantes divisões pré instalação) - anexo (possibilidade de garagem ou escritório) - jardim marque já a sua visita obs. esta moradia vai iniciar a sua obra em abril de 2023 com prazo de 14 meses house t3 with 2 floors - modern finishes - 3 bedrooms (one suite) - 3 wc's - open space kitchen and living room - aluminum frame with double glazing - automatic gate - built-in wardrobes with interior lighting - kitchen equipped with appliances and furnished - large room - natural light in all rooms - floating floor - heat pump - air conditioning (suite and living room, other divisions pre installation) - annex (possibility of garage or office) - garden mark your visit 2 t3 - - 3 - 3 - - - - - - - - - - - - 2 céng lóu de t3 zhùzhái -xiàndài shì miàn - 3 jin wòshì (y jiàn tàofáng) - 3 gè wèishngjin -kifàng shì chúfáng hé kètng - dài shung céng blí de l zhì kuàngjià - zìdòng mén -dài shìnèi zhàomíng de nèizhì yguì - chúfáng pèibèi diànqì hé jijù - dà fángjin - suyu fángjin de zìrán cigung - fúdòng dìbn - rèbèng - kòngtiáo (tàofáng hé kètng, qít fnq yù zhung) - fùjiàn (chkù huò bàngngshì de knéng xìng) - huyuán biojì nín de fngwèn não se preocupe com a burocracia ou com a extenuante tarefa de analisar as propostas de crédito; temos à sua disposição um departamento jurídico que assegura que tudo é tratado dentro dos trâmites legais e de forma a salvaguardar os seus interesses, e departamento de análise de crédito que o auxiliará na interpreta