{"id":18281,"date":"2024-04-18T11:01:16","date_gmt":"2024-04-18T11:01:16","guid":{"rendered":"https:\/\/abcimobiliario.pt\/?p=18281"},"modified":"2024-04-18T11:01:51","modified_gmt":"2024-04-18T11:01:51","slug":"o-financiamento-bancario-no-cpcv","status":"publish","type":"post","link":"https:\/\/abcimobiliario.pt\/index.php\/2024\/04\/18\/o-financiamento-bancario-no-cpcv\/","title":{"rendered":"O financiamento banc\u00e1rio no CPCV"},"content":{"rendered":"\n

Visitaste um im\u00f3vel, fizeste proposta, foi aceite pelo vendedor, e agora? N\u00e3o tens capitais pr\u00f3prios pelo que sabes que vais ter de recorrer a financiamento banc\u00e1rio e o pr\u00f3ximo passo para segurar o neg\u00f3cio \u00e9 a realiza\u00e7\u00e3o do Contrato Promessa de Compra e Venda (CPCV).<\/p>\n\n\n\n

Como estas duas situa\u00e7\u00f5es se podem articular?<\/p>\n\n\n\n

Pedes um empr\u00e9stimo e foi recusado. Significa que vais perder o valor do sinal?<\/p>\n\n\n\n

N\u00e3o necessariamente!<\/p>\n\n\n\n

Se vais recorrer a empr\u00e9stimo, sugiro que no CPCV esteja inserida a \u201cCl\u00e1usula de Financiamento Banc\u00e1rio\u201d.<\/p>\n\n\n\n

Esta cl\u00e1usula estabelece que o comprador vai recorrer a financiamento, o vendedor tem conhecimento da situa\u00e7\u00e3o, e permite prever que o CPCV fica sem efeito caso o financiamento seja recusado e consequentemente o valor do sinal \u00e9 devolvido ao comprador.<\/p>\n\n\n\n

\u00c9 importante saberes que para a cl\u00e1usula ser v\u00e1lida e eficaz, tem de constar do CPCV que:<\/h2>\n\n\n\n

– O comprador vai recorrer a financiamento e<\/p>\n\n\n\n

– Que o CPCV fica sem efeito no caso de:<\/p>\n\n\n\n

1- O financiamento ser recusado;<\/p>\n\n\n\n

2- N\u00e3o seja concedido o empr\u00e9stimo na modalidade pretendida (evitar contrata\u00e7\u00f5es excessivas de cr\u00e9ditos pessoais e endividamento)<\/p>\n\n\n\n

3- Seja concedido empr\u00e9stimo em montante inferior ao necess\u00e1rio para a celebra\u00e7\u00e3o do neg\u00f3cio (\u00e9 necess\u00e1rio 85% do valor da avalia\u00e7\u00e3o e 90% do valor de empr\u00e9stimo)<\/p>\n\n\n\n

Se a tua pergunta \u00e9 se esta cl\u00e1usula protege apenas o comprador, conv\u00e9m esclarecer que tamb\u00e9m h\u00e1 formas de proteger o vendedor. <\/p>\n\n\n\n

O vendedor tamb\u00e9m tem forma de se proteger, e pode faz\u00ea-lo de duas formas:<\/p>\n\n\n\n

– Na cl\u00e1usula fixar um prazo m\u00e1ximo para a comunica\u00e7\u00e3o do resultado do financiamento;<\/p>\n\n\n\n

– Estabelecer uma penaliza\u00e7\u00e3o a descontar ao valor que teriam de devolver a t\u00edtulo de sinal por n\u00e3o aprova\u00e7\u00e3o do cr\u00e9dito. Exemplo: O valor do sinal foi de 500\u20ac e o banco aprova o cr\u00e9dito, mas n\u00e3o nos moldes que o comprador queria ou podia suportar. Nesta situa\u00e7\u00e3o fica estabelecido que os vendedores em vez de devolverem os 500\u20ac, apenas t\u00eam de devolver 300\u20ac.<\/p>\n\n\n\n

Como podemos ver, a inser\u00e7\u00e3o desta clausula no CPCV \u00e9 de extrema relev\u00e2ncia se vais recorrer a cr\u00e9dito banc\u00e1rio para n\u00e3o perderes dinheiro. <\/p>\n\n\n\n

Contudo, \u00e9 tamb\u00e9m importante que o vendedor se proteja para n\u00e3o ficar \u00fanica e exclusivamente dependente de entidades banc\u00e1rias.<\/p>\n\n\n\n

Se n\u00e3o estiver prevista esta cl\u00e1usula e o cr\u00e9dito n\u00e3o for aprovado, o comprador perde o valor do sinal!<\/p>\n\n\n\n

Fonte: https:\/\/www.pgdlisboa.pt\/leis\/lei_mostra_articulado.php?artigo_id=775A0410&nid=775&tabela=leis&pagina=1&ficha=1&so_miolo=&nversao=#artigo<\/a><\/p>\n\n\n\n

Para ler mais artigos do nosso blog click aqui –> https:\/\/abcimobiliario.pt\/index.php\/blog\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Visitaste um im\u00f3vel, fizeste proposta, foi aceite pelo vendedor, e agora? N\u00e3o tens capitais pr\u00f3prios pelo que sabes que vais ter de recorrer a financiamento banc\u00e1rio e o pr\u00f3ximo passo para segurar o neg\u00f3cio \u00e9 a realiza\u00e7\u00e3o do Contrato Promessa de Compra e Venda (CPCV). Como estas duas situa\u00e7\u00f5es se podem articular? Pedes um empr\u00e9stimo […]<\/p>\n","protected":false},"author":1,"featured_media":18285,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"\nO financiamento banc\u00e1rio no CPCV - abcimobiliario<\/title>\n<meta name=\"description\" content=\"A cl\u00e1usula de financiamento banc\u00e1rio como forma de prote\u00e7\u00e3o do comprador e do vendedor para que n\u00e3o percam dinheiro.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/abcimobiliario.pt\/index.php\/2024\/04\/18\/o-financiamento-bancario-no-cpcv\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O financiamento banc\u00e1rio no CPCV - abcimobiliario\" \/>\n<meta property=\"og:description\" content=\"A cl\u00e1usula de financiamento banc\u00e1rio como forma de prote\u00e7\u00e3o do comprador e do vendedor para que n\u00e3o percam dinheiro.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/abcimobiliario.pt\/index.php\/2024\/04\/18\/o-financiamento-bancario-no-cpcv\/\" \/>\n<meta property=\"og:site_name\" content=\"abcimobiliario\" \/>\n<meta property=\"article:published_time\" content=\"2024-04-18T11:01:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-18T11:01:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/abcimobiliario.pt\/wp-content\/uploads\/2024\/04\/newtransferir.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"melissabarbosa9\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"melissabarbosa9\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tempo estimado de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/abcimobiliario.pt\/index.php\/2024\/04\/18\/o-financiamento-bancario-no-cpcv\/\",\"url\":\"https:\/\/abcimobiliario.pt\/index.php\/2024\/04\/18\/o-financiamento-bancario-no-cpcv\/\",\"name\":\"O financiamento banc\u00e1rio no CPCV - 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