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    Assessoria juridica na renegociacao de juros imobiliarios

    assessoria juridica na renegociacao de juros imobiliarios

    Como reduzir a taxa de juros do financiamento imobiliário?

    Diminuir os gastos com o pagamento de taxas durante a compra de um imóvel é o desejo da maioria dos compradores. Afinal, aquele valor que será economizado pode ser direcionado para outras demandas como reforma ou mobília. Pensando nisso, preparamos este artigo com cinco dicas de como reduzir os juros do financiamento na hora de comprar o seu imóvel e como identificar se os juros do seu financiamento estão altos. Confira!

    A taxa Selic influencia diretamente o valor dos juros.

    Quem deseja reduzir os juros de financiamento precisa saber que a taxa Selic (Sistema Especial de Liquidação e Custódia) tem um papel fundamental nesse processo. É por meio dela que bancos e outras instituições financeiras calculam quanto um consumidor deve pagar quando solicita um empréstimo.

    O Comitê de Política Monetária do Banco Central (Copom) é quem decide o valor da Selic. A cada 45 dias é realizada uma reunião para decidir o valor da taxa. Durante o encontro, o conselho indica se a Selic aumenta, diminui ou permanece estável.

    Porém, mais do que uma taxa, a Selic é um sistema inteiro que trata de operações entre bancos. A taxação, por sua vez, funciona desde 1999 e hoje é a única que trata dos juros no país, seja qual for a área.

    Nesse sistema, é preciso entender que quando a taxa Selic, por algum motivo, está alta, fica mais caro fazer o empréstimo. Por outro lado, se os juros ficarem abaixo da média no mercado, a tendência é que os preços de basicamente tudo o que é consumido aumentem.

    Ou seja, é preciso manter-se vigilante sobre essa taxa para saber se é a melhor hora de pedir um empréstimo, assim como estar por dentro das altas e baixas da inflação no país.

    Como identificar se os juros do financiamento imobiliário estão altos?

    Atualmente, não existe uma tabela que indique ao consumidor o que é normal e o que é excessivo no setor imobiliário.

    Para identificar se os juros praticados estão altos, o que deve ser feito é ter atenção nas demais opções de financiamento e pesquisar se o que estão cobrando de você está muito acima do que é praticado no mercado.

    Contudo, os valores dos juros flutuam bastante durante o ano, afinal, eles variam de acordo com a economia do momento, principalmente com a taxa Selic.

    5 dicas para reduzir juros de financiamento imobiliário

    Agora que você entendeu um pouco sobre as taxas, é hora de entender na prática como evitar os juros abusivos na compra do imóvel. Por isso, separamos algumas dicas para que você aprenda a reduzir os juros de financiamento imobiliário. Papel e caneta na mão, porque é hora de anotar tudo!

    1. Fazer a amortização da dívida
    2. Quando você pensa em reduzir juros de financiamento de um imóvel, a primeira opção é tentar quitar a dívida. Basta olhar seu contrato com o banco. Por lá, é possível saber quanto você gastaria hoje para fazer a amortização.

      Quem está no final do pagamento ou tem um dinheiro extra consegue ficar livre e receber um desconto para quitar a dívida com a instituição financeira. Às vezes, os juros estão tão excessivos que pode valer a pena pagar para se livrar deles.

    Que tipo de advogado cuida de financiamento?

    Está cada vez mais comum a busca por financiamento imobiliário. Todavia, em algumas situações será preciso realizar uma revisão do referido financiamento. Com base nisso, muitos usuários chegam até o nosso escritório por meio de pesquisas de termos como:

    • Revisão de financiamento imobiliário
    • Renegociação de contrato de financiamento
    • Consultoria com advogado especialista em direito imobiliário

    Essa realidade deixa cristalino que a procura pelo tema está cada vez mais frequente entre a população. O assunto em questão é tão sério que contamos com uma equipe de advogados especialistas em revisão de financiamento imobiliário em nosso escritório.

    No presente artigo, você ficará sabendo como solicitar a revisão do seu contrato junto ao banco, bem como quando será necessário ingressar com uma ação judicial. Trata-se de um empréstimo para que o indivíduo consiga comprar um imóvel, como, por exemplo, uma casa ou apartamento. Desse modo, é uma forma de empréstimo feita por instituições financeiras. O cliente compromete-se a pagar as parcelas do empréstimo (com juros) em um prazo estabelecido. O imóvel comprado, normalmente, é colocado como a garantia do contrato, assim, em caso de inadimplência, o banco ou a instituição financeira poderá retomá-lo para fazer a quitação da dívida.

    Ligue e agende sua consultoria com o Advogado Especialista em Direito Imobiliário. Normalmente, é preciso apresentar a seguinte documentação:

    – Documentos pessoais

    – Contrato de financiamento

    – Comprovantes de renda

    – Comprovante de residência

    Sim, você pode usar o seu saldo do FGTS no momento da contratação de financiamento imobiliário, usando como entrada, sendo então uma parte do pagamento do valor total. É importante ressaltar que o uso do saldo FGTS é para compra de imóvel residencial.

    A revisão de financiamento de imóvel é realizada quando o cliente do banco percebe que precisa renegociar o empréstimo, seja em razão da discordância com as taxas praticadas ou com a existência de cláusulas abusivas. Trata-se de um direito do usuário que deseja estar com suas parcelas adimplentes, sem fazer o pagamento de excessos contidos no contrato. Dessa forma, a revisão do contrato busca a reversão dessa situação e a obtenção de um contrato com juros que condizem com os praticados no mercado.

    Assim, por meio da revisão será possível averiguar se as condições do seu contrato estão sendo cumpridas de forma correta. Todavia, é imperioso destacar que a renegociação pode mudar o valor total do financiamento. Logo, é preciso ter cuidado ao analisar suas implicações.

    Por isso, você vai precisar contar com um advogado especialista em revisão de financiamento imobiliário para auxiliar nessa análise e fazer todos os trâmites legais, caso seja necessário. Ligue e agende sua consultoria com o Advogado Especialista em Direito Imobiliário.

    Há algumas formas possíveis de fazer uma revisão contratual de financiamento: ingressar com ação judicial, renegociar sua dívida junto ao banco ou recorrer a portabilidade de crédito. Sobre a ação judicial explicaremos melhor nos próximos tópicos.

    Quanto à renegociação da dívida junto ao banco, você precisa entrar em contato com o seu banco e falar sobre a sua atual situação financeira, é importante demonstrar estar.

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