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    Financiei um veículo para outra pessoa e ela não paga

    Financiei um veículo para outra pessoa e ela não paga

    É crime financiar veículo para outra pessoa?

    DEVER DE INDENIZAR. 1. Aquele que se obriga ao pagamento das prestações de financiamento para aquisição de veículo em nome de terceiro e deixa de adimplir o contrato, deve ser responsabilizado pela negativação indevida do nome do terceiro decorrente da sua inadimplência.

    O que fazer quando você vende um veículo e a pessoa não paga?

    Protesto: Se o comprador não pagar a dívida após a notificação extrajudicial, você pode protestar o título referente à venda do bem em cartório.

    Como recuperar um carro financiado em meu nome?

    DEVOLUÇÃO DO VEÍCULO FINANCIADO: COMO FUNCIONA?
    1
    Entre em contato com o banco financeiro para conferir se precisa agendar o serviço; Após ter feito isto,
    2
    Espere que o banco irá mandar um profissional para fazer uma vistoria no carro.

    Como passar a responsabilidade de um veículo financiado para outra pessoa?

    Blog Rodobens: Educação financeira e muito mais

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    Blog Rodobens: Educação financeira, notícias e muito mais

    Com sede em São José do Rio Preto, SP e presença em todo o território nacional, somos reconhecidas por ter uma sólida cultura de inovação e tradição, ao entregar uma experiência completa aos nossos clientes, parceiros, colaboradores e fornecedores.

    Possuímos um ecossistema único de distribuição, com amplo portfólio de serviços financeiros: Consórcio, Seguros, Crédito, Leasing e Locação, suportados por plataforma sinérgica de rede de concessionárias próprias de automóveis Toyota, Mercedes-Benz, Hyundai e veículos comerciais Mercedes-Benz, redes de parceiros e canais digitais.

    Quando a pessoa empresta o nome para financiamento?

    Sabemos que nem sempre é fácil negar o empréstimo do nome. Afinal, cada caso é específico e urgências podem acontecer com qualquer pessoa, inclusive as que são próximas de nós.

    No entanto, eis a dúvida de muita gente: Emprestei meu nome e não pagaram. O que fazer?

    O primeiro passo é saber que a responsabilidade é da pessoa que emprestou o nome – afinal, seus dados pessoais estão no contrato de concessão do crédito.

    O segundo passo é entrar em contato com a pessoa que pegou o empréstimo para saber o que aconteceu e negociar uma resolução.

    Em geral, o banco ou instituição financeira credora entrará em contato avisando sobre o débito, antes de negativar o CPF de quem emprestou o nome. O ideal é negociar antes da negativação.

    Caso ocorram a inadimplência e consequente inscrição do CPF nos órgãos de proteção ao crédito, é preciso tentar acordos de negociação de pagamento – e nesse caso, a pessoa que emprestou precisa assumir a dívida (ou negociar para que o devedor pague o acordo).

    Em todos os casos, lembre-se: a responsabilidade final do pagamento é de quem está com o nome no contrato. Ou seja, de quem emprestou o nome.

    A Serasa tem uma plataforma online grátis em que é possível consultar a situação do CPF e do Serasa Score – que também é um importante critério para analisar o crédito a ser concedido a quem vai emprestar ou não o nome.

    É crime financiar carro para outra pessoa?

    Blog Rodobens: Educação financeira e muito mais

    Compartilhar: facebook | whatsapp

    Blog Rodobens: Educação financeira, notícias e muito mais

    Com sede em São José do Rio Preto, SP e presença em todo o território nacional, somos reconhecidas por ter uma sólida cultura de inovação e tradição, ao entregar uma experiência completa aos nossos clientes, parceiros, colaboradores e fornecedores.

    Possuímos um ecossistema único de distribuição, com amplo portfólio de serviços financeiros: Consórcio, Seguros, Crédito, Leasing e Locação, suportados por plataforma sinérgica de rede de concessionárias próprias de automóveis Toyota, Mercedes-Benz, Hyundai e veículos comerciais Mercedes-Benz, redes de parceiros e canais digitais.

    Tem como financiar carro no nome de outra pessoa?

    O financiamento é uma das formas mais usadas para quitar veículos comprados em concessionárias ou revendedoras. Mas você sabia que também é possível utilizar esse método de pagamento entre pessoas físicas?

    Leia mais:

    • Como vender meu carro? O que fazer depois?
    • Como vender meu carro pelo melhor valor possível?
    • Como comprar o primeiro carro? Dicas te ajudam a escolher

    Essa alternativa pode ser muito mais simples do se imagina e, dependendo do banco, os envolvidos sequer precisam ser clientes de uma instituição bancária específica.

    Como iniciar o processo de financiamento de veículo?

    Para facilitar a operação, os interessados podem enviar uma proposta on-line para ser analisada pelo banco ou entrar em contato diretamente com o gerente (caso seja correntista). No Itaú, a simulação pode ser feita clicando aqui e selecionando “Simule agora!”.

    Após ser feita a análise de crédito e o sistema de negociação for aceito, os envolvidos podem dar entrada na documentação. Com o contrato assinado, o comprador poderá sair de veículo novo e o vendedor receber o valor acertado entre as partes.

    É importante lembrar que as taxas variam de acordo com os perfis de crédito, independentemente de haver concessionária ou revendedora no meio do negócio.

    Vendi um carro e o comprador não pagou o financiamento bancário. Devo me preocupar?

    De acordo com Rodnei Bernardino de Souza, diretor do Itaú Unibanco, não há motivos para o vendedor ficar preocupado.

    “Não há nenhum risco para o vendedor do carro, que recebe o valor total da venda direto do banco, no caso o Itaú. Se o comprador tiver imprevistos com o financiamento, o Itaú também oferece soluções para regularizar o pagamento de forma sustentável para evitar a retomada do bem”

    Posso fazer a transferência do financiamento de um carro para outra pessoa?

    Conhecida como cessão de direitos, a transferência do financiamento é possível desde que o novo cliente tenha mais de 18 anos. O perfil desta nova pessoa envolvida também será avaliado (análise de crédito) pelo banco. Se o contrato estiver sem atrasos e as três primeiras parcelas já tiverem sido pagas, o negócio poderá seguir.

    Posso trocar o meu carro por outro enquanto ainda estou pagando o financiando do primeiro?

    Sim. É possível trocar o veículo durante o curso do financiamento (Substituição de Garantia). O novo veículo deve ter o mesmo valor ou valor superior ao atual e o contrato deve estar com as parcelas em dia.

    Neste caso, também não haverá alteração nas condições do contrato (prazo, taxa de juros e valor de parcela). O banco deve aprovar o negócio e formalizar as alterações.

    O financiamento pode ser uma opção para quem tem dinheiro para pagar à vista?

    Pagar à vista na grande maioria das vezes é uma opção mais econômica, mas existem pessoas que possuem dinheiro aplicado e não pretendem tirá-lo de um investimento vantajoso.

    É sempre preciso analisar bem as taxas de juros para tomar a decisão com consciência.

    O que acontece se emprestar meu nome para outra pessoa?

    Ou seja, se uma pessoa empresta o seu nome para outra e essa pessoa utiliza um documento falso para realizar uma compra, ambas podem ser acusadas de falsidade ideológica. Outro crime que pode ser cometido nessa situação é o estelionato, previsto no artigo 171 do Código Penal.

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