tag:blogger.com,1999:blog-38800358823081314322024-03-07T15:07:32.339-03:00DIREITO IMOBILIARIO PARA O CONSUMIDOREste Blog tem a finalidade de ajudar a solucionar duvidas surgidas no dia a dia, nas questões ligadas ao Direito Imobiliário. Faça seus questionamentos que tentaremos responder o mais breve possível. Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.comBlogger128125tag:blogger.com,1999:blog-3880035882308131432.post-60309397339774321272024-03-07T15:06:00.002-03:002024-03-07T15:06:36.487-03:00Contrato de Incorporação Imobiliária com Construtoras – Observações necessárias<p> <!--[if gte mso 9]><xml>
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</p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieVGYW2VC1-SAn4k2cOyimTz3A9BN81AG7lqxxAoxpcfZTOEaS272ELx8yakXvCjASnstFy04qoPrXqO7L_sTZgsvWe9AjuOrPDIQo3EmVKfL6NEWhklcifJKatvReI-O4CNVucQxddw6G2Z6BO2nce6HPo7H8xz3Ds_SLJx8pSM89aBxKNRAOnz2f7fQ/s301/Terreno.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="167" data-original-width="301" height="167" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieVGYW2VC1-SAn4k2cOyimTz3A9BN81AG7lqxxAoxpcfZTOEaS272ELx8yakXvCjASnstFy04qoPrXqO7L_sTZgsvWe9AjuOrPDIQo3EmVKfL6NEWhklcifJKatvReI-O4CNVucQxddw6G2Z6BO2nce6HPo7H8xz3Ds_SLJx8pSM89aBxKNRAOnz2f7fQ/s1600/Terreno.jpg" width="301" /></a></div><br /><p></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">A incorporação imobiliária é um
processo complexo que envolve diversos aspectos legais e técnicos. Antes de
assinar qualquer contrato, é fundamental que o proprietário esteja ciente dos
seus direitos e obrigações conforme estabelecido na Lei de Incorporação
Imobiliária e demais legislações pertinentes. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Hoje, abordaremos os principais
procedimentos que o proprietário do terreno deve seguir antes de firmar um contrato
de incorporação com uma construtora.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">1. Verificação da Regularidade do
Terreno</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Antes de iniciar qualquer negociação
com uma construtora, o proprietário do terreno deve verificar se o imóvel está
devidamente regularizado perante os órgãos competentes. Isso inclui a obtenção
da matrícula atualizada no cartório de registro de imóveis, certidões negativas
de débitos municipais, estaduais e federais, e verificação da situação
cadastral junto à prefeitura local.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">2. Documentação do Terreno</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">É imprescindível que o proprietário
do terreno reúna e organize toda a documentação relacionada ao imóvel,
incluindo escrituras, registros, plantas, e eventuais licenças e autorizações
para uso do solo. Esses documentos serão essenciais durante as negociações com
a construtora e para a elaboração do contrato de incorporação.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">3. Negociação do Contrato de
Incorporação</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">O contrato de incorporação é o
documento que irá estabelecer os termos e condições da parceria entre o
proprietário do terreno e a construtora. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">É fundamental que este contrato seja
elaborado de forma clara e abrangente, contemplando aspectos como prazo para
início e término da obra, forma de pagamento pela incorporação do terreno,
responsabilidades de cada parte, e possíveis penalidades por descumprimento de
cláusulas.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">4. Proteção dos Interesses do
Proprietário</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Durante as negociações e elaboração
do contrato de incorporação, o proprietário do terreno deve sempre buscar
proteger seus interesses e garantir que seus direitos sejam devidamente
resguardados. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Isso inclui definir cláusulas que
assegurem a qualidade da construção, estabeleça garantias e penalidades em caso
de descumprimento por parte da construtora, e garanta a transparência durante
todo o processo.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">5. Acompanhamento Técnico e Jurídico</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Por cautela, durante todas as etapas
do processo de incorporação, é recomendável que o proprietário do terreno conte
com o acompanhamento de profissionais especializados, como advogados
especializados em direito imobiliário e engenheiros civis. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Esses profissionais poderão auxiliar
na análise e negociação do contrato, na fiscalização da obra e no cumprimento
das obrigações legais.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">6. Cumprimento das Obrigações Legais</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Por fim, é importante que se cumpram
todas as obrigações legais estabelecidas pela legislação de incorporação
imobiliária, como o registro do memorial de incorporação junto ao cartório de
registro de imóveis, pagamento das taxas e impostos devidos, e cumprimento das
normas de segurança e urbanismo durante a execução da obra.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Assim, antes de assinar um contrato
de incorporação com uma construtora, o proprietário do terreno deve seguir uma
série de procedimentos legais e técnicos para garantir uma parceria sólida e
segura. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Ao cumprir esses e outros passos,
juntamente com o auxílio de profissionais especializados, o proprietário poderá
realizar a incorporação do seu terreno com a tranquilidade de estar agindo
dentro da legalidade e protegendo seus interesses.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Fica dica e até a próxima.</span></p>
<br />Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-2975537161622138972024-02-27T16:54:00.004-03:002024-02-27T16:54:50.848-03:00Possibilidade de Reativação do Contrato de Financiamento Imobiliário Após a Consolidação do Imóvel pelo Banco<div class="separator"><p style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"> <img alt="" class="alignnone size-full wp-image-449" data-attachment-id="449" data-comments-opened="1" data-image-caption="" data-image-description="" data-image-meta="{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"}" data-image-title="Inventario" data-large-file="https://i0.wp.com/direitoimobiliario.blogsdagazetaweb.com/wp-content/uploads/sites/23/2023/01/Inventario.jpg?fit=275%2C183&ssl=1" data-medium-file="https://i0.wp.com/direitoimobiliario.blogsdagazetaweb.com/wp-content/uploads/sites/23/2023/01/Inventario.jpg?fit=275%2C183&ssl=1" data-orig-file="https://i0.wp.com/direitoimobiliario.blogsdagazetaweb.com/wp-content/uploads/sites/23/2023/01/Inventario.jpg?fit=275%2C183&ssl=1" data-orig-size="275,183" data-permalink="https://direitoimobiliario.blogsdagazetaweb.com/2023/01/24/posso-comprar-um-imovel-antes-da-formalizacao-do-inventario/inventario/" height="183" src="https://i0.wp.com/direitoimobiliario.blogsdagazetaweb.com/wp-content/uploads/sites/23/2023/01/Inventario.jpg?resize=275%2C183&ssl=1" width="275" /> <br /></p></div><p> </p><!--[if gte mso 9]><xml>
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<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">O financiamento imobiliário é uma
ferramenta amplamente utilizada por aqueles que buscam adquirir um imóvel,
permitindo o pagamento do mesmo de forma parcelada ao longo do tempo. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">No entanto, em situações em que o
devedor não cumpre com as obrigações contratuais, como o não pagamento das
prestações, o banco credor pode se utilizar do instituto da execução
extrajudicial, por força da alienação fiduciária e consolidar a propriedade
imobiliária.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">A consolidação da propriedade é um
procedimento previsto na legislação brasileira, especialmente no âmbito do
Sistema Financeiro de Habitação (SFH), que permite ao banco credor consolidar
em seu nome a propriedade do imóvel financiado quando o devedor deixa de honrar
com suas obrigações contratuais.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Entretanto, mesmo após a consolidação
do imóvel pelo banco, ainda é possível discutir a reativação do contrato de
financiamento, dependendo das circunstâncias específicas do caso.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Uma das possibilidades de reativação
do contrato de financiamento imobiliário após a consolidação do imóvel é a
existência de cláusulas contratuais que prevejam essa situação. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Outra possibilidade de acordo com a
legislação vigente, é o exercício do direito de preferência, até a realização
do segundo leilão. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Além disso, mesmo na ausência de previsão
contratual expressa, é possível discutir a reativação do contrato com base em nulidades
do procedimento de execução extrajudicial, princípios gerais do direito, como o
princípio da boa-fé objetiva e o princípio da função social do contrato. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Nesse sentido, é possível demonstrar
que a instituição bancária não seguiu à risca a legislação atinente a matéria,
maculando toda a execução extrajudicial.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Por outro lado, caso o devedor
consiga demonstrar sua capacidade de honrar com as obrigações contratuais, é
legítimo que se permita a reativação do contrato, evitando assim prejuízos
desnecessários para ambas as partes envolvidas.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Contudo, é importante ressaltar que a
reativação do contrato após a consolidação do imóvel pelo banco não é
automática e está sujeita à análise do caso concreto pelo Poder Judiciário. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Portanto, é fundamental que o devedor
busque orientação jurídica especializada para avaliar a viabilidade de discutir
a reativação do contrato e adotar as medidas cabíveis para proteger seus
interesses.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Em suma, embora a consolidação da
propriedade pelo banco credor represente uma medida drástica decorrente do
inadimplemento do devedor, ainda é possível discutir a reativação do contrato
de financiamento imobiliário em determinadas situações, seja com base em
cláusulas contratuais específicas, ausência de cumprimento da legislação ou pelos
princípios gerais do direito. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Todavia, tal discussão deve ser
pautada em uma análise criteriosa do caso concreto e acompanhada por
profissionais especializados em direito imobiliário e contratual.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Fica a dica e até a próxima.</span></p>
<p> </p><p> </p><p> </p><p> </p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-7400821056623131282024-02-20T15:16:00.000-03:002024-02-20T15:16:24.946-03:00Como Regularizar um Imóvel Adquirido por Contrato de Gaveta<p></p><p></p><p></p><p></p><p></p><p></p><p><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgotqu9Pzu4tTxxbuF5Q6QCb6slWcR5xOmvj43A1kV_FnxWZD3Fd7BRh3VZJIPJuA9r607jgdDdefcyxSHdvpb0A8feu-L1Gw6G7oVVHQD92Sg-4ZL7HgssfVI_DSkKc0Lht5UMRebMeaM/s800/ASSINATURA+DE+CONTRATO.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="530" data-original-width="800" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgotqu9Pzu4tTxxbuF5Q6QCb6slWcR5xOmvj43A1kV_FnxWZD3Fd7BRh3VZJIPJuA9r607jgdDdefcyxSHdvpb0A8feu-L1Gw6G7oVVHQD92Sg-4ZL7HgssfVI_DSkKc0Lht5UMRebMeaM/s320/ASSINATURA+DE+CONTRATO.jpg" width="320" /></a></p><p></p><p><!--[if gte mso 9]><xml>
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</p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Adquirir um imóvel é um dos marcos
mais significativos na vida de uma pessoa. No entanto, em muitos casos, essa
transação ocorre por meio de um contrato de gaveta, uma prática comum no
mercado imobiliário brasileiro.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"><span style="mso-spacerun: yes;"> </span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Apesar da praticidade inicial, essa
forma de aquisição pode acarretar problemas legais no futuro. Neste artigo,
abordaremos como regularizar um imóvel adquirido por contrato de gaveta,
garantindo segurança jurídica ao comprador.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">O contrato de gaveta é uma modalidade
informal de compra e venda de imóveis, na qual o vendedor transfere a posse do
imóvel ao comprador, mas a propriedade permanece em seu nome. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Essa prática é comum em situações em
que o vendedor ainda está quitando o financiamento do imóvel ou quando deseja
evitar custos relacionadas à transferência oficial da propriedade. <br /></span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Embora o contrato de gaveta seja uma
alternativa rápida e acessível para aquisição de imóveis, ele apresenta alguns
riscos para ambas as partes envolvidas. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Para o vendedor, há o risco de o comprador
não cumprir com suas obrigações, como pagar as prestações do financiamento, por
exemplo, resultando na perda do imóvel. Além disso, o vendedor ainda é o
proprietário legal do imóvel, o que pode gerar complicações em caso de disputas
judiciais ou problemas com credores.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Assim visando evitar problemas,
apresentamos alguns passos para regularizar o imóvel.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">1. Verificar a situação do imóvel: O
primeiro passo é obter todas as informações relevantes sobre o imóvel, analisar
possíveis pendências judiciais, dívidas, incluindo a situação do financiamento
(caso haja), dentre outros.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">2. Negociar com o vendedor: Uma vez
que o comprador tenha ciência da situação do imóvel, é importante negociar com
o vendedor os termos da transferência da propriedade. Isso pode incluir o
pagamento das parcelas restantes do financiamento, quitação de dívidas e
assinatura de um contrato de compra e venda oficial. <br /></span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">3. Realizar a escritura pública: Após
chegar a um acordo com o vendedor, é necessário lavrar uma escritura pública de
compra e venda em cartório. Nesse documento, as partes envolvidas formalizam a
transferência da propriedade do imóvel, garantindo segurança jurídica ao
comprador. <br /></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">4. Registrar a escritura no Cartório
de Registro de Imóveis: Após a lavratura da escritura pública, é fundamental
registrar o documento no Cartório de Registro de Imóveis competente. Esse
registro é essencial para que a transferência de propriedade tenha validade
perante terceiros e para evitar problemas futuros.</span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> <br /></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">5. Atualizar o cadastro junto aos
órgãos competentes: Por fim, o comprador deve atualizar o cadastro do imóvel
junto aos órgãos competentes, como prefeitura e concessionárias de serviços
públicos, garantindo que todas as informações estejam corretas e atualizadas.</span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> <br /></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Regularizar um imóvel adquirido por
contrato de gaveta pode parecer uma tarefa complexa, mas é fundamental para
garantir segurança jurídica ao comprador e evitar problemas futuros. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Ao seguir os passos descritos e
contar com a assistência de profissionais especializados, é possível realizar
essa regularização de forma eficiente e sem complicações.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Lembre-se sempre da importância de
buscar orientação jurídica adequada para garantir que todas as etapas sejam
realizadas corretamente.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Fica a dica e até a próxima.</span></p>
<p><br /></p><p><br /></p><p><br /></p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-44541690618221362262023-08-31T17:50:00.000-03:002023-08-31T17:50:16.806-03:00O fiador e suas responsabilidades no contrato de locação<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMK50A9tkLT94c8ijRQv-9TXQdpvA-2qXP6YxBau0IeVaevXKbv9ouWs9d7EJS38cPsMTcw_xVv9JjWvzML8igeZLm5w1Uv2IjZngAmsp0stihDUIJJaZuEswTUg9YJXQeT6b3WNe9NrZsqUURFypFza0gDNT2Hhg83gbNns-YW7f3d_QZ_goVwq_A0dA/s1920/fiador.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1280" data-original-width="1920" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMK50A9tkLT94c8ijRQv-9TXQdpvA-2qXP6YxBau0IeVaevXKbv9ouWs9d7EJS38cPsMTcw_xVv9JjWvzML8igeZLm5w1Uv2IjZngAmsp0stihDUIJJaZuEswTUg9YJXQeT6b3WNe9NrZsqUURFypFza0gDNT2Hhg83gbNns-YW7f3d_QZ_goVwq_A0dA/s320/fiador.jpeg" width="320" /></a></div><!--[if gte mso 9]><xml>
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<p></p><p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">O tema a ser abordado hoje partiu da
dúvida enviada pelo Sr. José Henrique, o qual foi sondado para ser fiador em um
contrato de locação imobiliária. As dúvidas residem tanto na responsabilidade quanto
nas consequências advindas deste encargo.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Pois bem, a fiança é a forma tradicionalmente
mais utilizada nas locações imobiliárias. Nesta modalidade o locatário indica
uma pessoa física ou jurídica para garantir a liquidez do débito em caso de
inadimplência do mesmo.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Nesta modalidade, o fiador na
qualidade de devedor solidário, responsabiliza-se inclusive com seu patrimônio pessoal,
pela satisfação das obrigações financeira assumidas pelo locatário, assumindo também
os acessórios da dívida principal.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Em sendo o fiador pessoa física, o
locador fará uma análise minuciosa nos cadastros restritivos de créditos, além
de verificar sua capacidade econômica e financeira.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Já se o fiador for pessoa jurídica, o
locador irá analisar os documentos societários, bem como solicitar certidões na
junta comercial e nos órgãos do Poder Judiciário.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Apresentado o fiador, o locador não
pode ser obrigado a aceitá-lo, caso o mesmo não seja pessoa idônea, se não for
domiciliado no mesmo município onde tenha que prestar a fiança ou se não
possuir bens suficientes para o cumprimento da obrigação assumida.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Lembre-se que neste caso o locador
não só pode como deve exigir a substituição do fiador apresentado. Outra coisa
a ser observada é que o instituto da fiança é regulado pelo Código civil, o
qual em seu artigo 818 conceitua a responsabilidade do fiador em satisfazer a
obrigação assumida pelo devedor, caso ele não cumpra.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Deve-se registrar que o fiador pode
ser exonerado de sua obrigação a qualquer tempo, se assim lhe convier. Que não
é aconselhável a renúncia ao benefício de ordem e que em caso de ser casado
precisará da autorização de seu cônjuge.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Por fim é crucial que o propenso
fiador tenha em mente o grau de sua responsabilidade nesta garantia, uma vez
que em caso de ter um único bem, poderá vir a perdê-lo diante da inadimplência
do locatário.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Isto porque o artigo 3º da Lei nº
8.009/90 deixa claro que a impenhorabilidade é oponível em qualquer processo de
execução, salvo se movida por obrigação decorrente de fiança concedida em
contrato de locação.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Portanto, não se mostra aconselhável
ser fiador se a pessoa tem um único imóvel.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Fica a dica e até a próxima.</span></p>
Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-79971870623155340692023-08-25T14:49:00.001-03:002023-08-25T14:49:14.936-03:00Venda do imóvel durante o prazo de locação<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGuxPeIJ2KoJ4G9xd-JPhoWr4fatZT8UdRNb0L9ng0aRNHVHiXzfB13RZlPlwq1ecyaeZoCcPGVMaLNGg2wLyJn1pKciYvPIhLiXwL_vKrSZ8fdALQbMo36jTH3hO5WSpcBAJ8XTf088EhOsm4N1fYRFs7JBeJ6in9o9N7eVc7sJNfrpi1qbm1Nyed5r4/s780/PREFER%C3%8ANCIA.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="520" data-original-width="780" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGuxPeIJ2KoJ4G9xd-JPhoWr4fatZT8UdRNb0L9ng0aRNHVHiXzfB13RZlPlwq1ecyaeZoCcPGVMaLNGg2wLyJn1pKciYvPIhLiXwL_vKrSZ8fdALQbMo36jTH3hO5WSpcBAJ8XTf088EhOsm4N1fYRFs7JBeJ6in9o9N7eVc7sJNfrpi1qbm1Nyed5r4/s320/PREFER%C3%8ANCIA.jpg" width="320" /></a></div><br /> <!--[if gte mso 9]><xml>
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<p></p><p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">O maior receio de um inquilino é ser
surpreendido com a notícia de que o imóvel em que habita será vendido. Tenham certeza
que a pergunta mais recorrente em relação a isso é: Mas qual o meu direito como
locatário?</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Partindo dessa dúvida iremos abordar
o tema de forma simples e tentar tranquilizar aqueles que moram de aluguel.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">A princípio deve-se destacar que de
acordo com o artigo 27 da lei de locações, o locatário tem direito de preferência
na aquisição do imóvel e o locador deve dar ao locatário conhecimento de seu
interesse de vender o bem, por escrito, mediante notificação.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Deve ainda informar ao locatário
todas as condições relativas a venda a exemplo do preço, forma de pagamento e
existência de algum ônus reais (se for o caso).</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Assim que o locatário receber a
respectiva notificação, o mesmo tem o prazo de 30 dias para manifestar sua
aceitação ou não. No entanto, caso entenda que o valor requerido pelo imóvel
está alto, ou seja, fora da realidade de mercado, o locatário deve buscar
avaliações do imóvel e demonstrar que o preço está acima do mercado.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Nota-se, portanto, que o direito de
preferência do locatário é uma obrigação legal imposta ao locador e caso ele
não observe essa regra, o locatário pode requerer a propriedade para ele, além
de perdas e danos.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Contudo, o locatário deve observar
que caso queira reivindicar seu direito à aquisição da propriedade, o contrato
de locação deve estar averbado à margem da matrícula do imóvel, pelo menos
trinta dias antes da alienação.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Além disso e caso seu direito de
preferência tenha sido preterido, o locatário ainda deve depositar em juízo o
mesmo valor pago pelo adquirente, juntamente com as despesas do ato de
transferência. O respectivo deposito judicial deve ser realizado no prazo de
180 dias contados a partir do registro de transferência da propriedade do
imóvel a terceiros.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Sendo assim é necessário que tanto o
locador quanto o locatário observem as regras instituídas em lei na hora de
desejar vender e/ou adquirir a propriedade alugada.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Fica a dica e até a próxima</span></p>
Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-3427681656496994142023-08-17T17:54:00.001-03:002023-08-17T17:54:22.140-03:00Regularização de imóveis <p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBSVPhpeRRCsW1aaWV-ypMOeRCI4wvoRzMvLaj7FycXJ2UviubaXpQruD8qPVzlU9VzF0i0o-eBq2y-VzXZKz6Jal1tRBan1iNiciK2QSOLTnHUJA0GPeosGL8PtptZCu4m2p2IyX2TkXONFA3VMJ_fB76UoJo6dVFVHd5pyrMwjcGRHVTtRda0DhsZGk/s290/Escritura.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="174" data-original-width="290" height="174" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBSVPhpeRRCsW1aaWV-ypMOeRCI4wvoRzMvLaj7FycXJ2UviubaXpQruD8qPVzlU9VzF0i0o-eBq2y-VzXZKz6Jal1tRBan1iNiciK2QSOLTnHUJA0GPeosGL8PtptZCu4m2p2IyX2TkXONFA3VMJ_fB76UoJo6dVFVHd5pyrMwjcGRHVTtRda0DhsZGk/s1600/Escritura.jpg" width="290" /></a></div><br /> <!--[if gte mso 9]><xml>
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<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 115%;">A aquisição de um imóvel é sempre um
passo muito importante na vida das pessoas, pois geralmente se trata de um
planejamento de anos, aliado a um bom tempo de reserva financeira.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 115%;">No entanto, alguns pecam quando
adquirem um bem tão valioso sem as devidas cautelas. As vezes fazem a transação
imobiliária sem que o imóvel esteja regularizado, ou seja, devidamente
documentado.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 115%;">Sabemos o quando é dispendioso escriturar
e registrar um imóvel, no entanto, este ato se mostra necessário para a
segurança jurídica da transação imobiliária.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 115%;">Além disso, o imóvel regularizado goza
dos seguintes benefícios:</span></p>
<p class="MsoListParagraphCxSpFirst" style="margin-left: 131.4pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Valorização: um imóvel regular tem o
seu valor de mercado real acompanhado sempre a valorização imobiliária da
região; <br /></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-left: 131.4pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Crédito imobiliário: Estando o imóvel
com toda a documentação em dia, pode o mesmo ser financiado por qualquer
instituição bancária; <br /></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-left: 131.4pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Facilitação na venda: imóveis
regularizados tem a venda facilitada tanto da forma a vista quanto financiada,
uma vez que diminui despesas com eventuais correções de documentos e registros. <br /></span></p>
<p class="MsoListParagraphCxSpLast" style="margin-left: 131.4pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">d)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Transmissão aos herdeiros: Quando o
imóvel está devidamente escriturado, registrado e com seus impostos em dia, em
caso de falecimento de seu titular, a transmissão através da herança mostra-se
mais simples, para os herdeiros fazendo com que se ganhe tempo e poupe dinheiro.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 115%;">Como se vê as vantagens de estar com
o imóvel regularizado são muitas e só trazem benefícios ao seu titular e a quem
está adquirindo.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 115%;">Assim, na hora de se fazer uma
aquisição imobiliária, procure sempre um imóvel com toda a documentação em
ordem. Fazendo isso você evitará problemas futuros.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 115%;">Fica a dica e até a próxima.</span></p>
Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-13695244168596612502023-08-08T17:59:00.002-03:002023-08-08T17:59:37.869-03:00A impenhorabilidade do bem de família<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKYkEhf-oIy4PKBo6NkSpuY02G-hT7sBAAjHzlZzheVkXi4x1SGQOV34wUW1Szkp-uvMRNuXoBtOpP_IIsr2lN4mVcN1fDHpApRGcjvOIwWkjUKyRLOIyyXBV9PLioEJQYjfVqSQCx3Jlw13NRF3gbVM_uJaSGcT_1oI7G-w9Myc0fqbUu6dMPC9BMiWg/s880/Bem%20de%20familia.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="486" data-original-width="880" height="177" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKYkEhf-oIy4PKBo6NkSpuY02G-hT7sBAAjHzlZzheVkXi4x1SGQOV34wUW1Szkp-uvMRNuXoBtOpP_IIsr2lN4mVcN1fDHpApRGcjvOIwWkjUKyRLOIyyXBV9PLioEJQYjfVqSQCx3Jlw13NRF3gbVM_uJaSGcT_1oI7G-w9Myc0fqbUu6dMPC9BMiWg/s320/Bem%20de%20familia.jpg" width="320" /></a></div><!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
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<p></p><p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">A situação de uma senhora que soube
que seu imóvel estava indo a leilão pelo atraso no pagamento de algumas
parcelas relativas a um empréstimo chamou a atenção para uma situação cada vez
mais comum, a qua seja: a aquisição de empréstimo e a garantia do imóvel em
caso de não pagamento das parcelas.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Esta modalidade de empréstimo está
sendo cada vez mais comum entre os brasileiros, sendo denominada de Home Equity.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">No home Equity a instituição
financeira concede o crédito, independentemente a finalidade e utiliza o imóvel
como garantia de pagamento. Assim, não exige vinculação na destinação do valor
emprestado e o maior atrativo são as taxas de juros.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Nesta modalidade, o imóvel dado em
garantia é gravado com hipoteca ou com alienação fiduciária, podendo o
proprietário usufruir do bem enquanto paga pelo empréstimo concedido.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Há de se destacar que a alienação
fiduciária estará presente como forma de garantia de recebimento do crédito,
uma vez que em caso de atraso no pagamento das prestações a forma na execução do
contrato é bem mais célere.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Mas por se tratar de um único imóvel,
assim entendido como bem de família, poderia ele responder pelo pagamento do
débito? Não seria ele impenhorável?</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Para responder a essa pergunta vamos
nos valer da Lei 8.009/90, a qual em seu artigo 1º trata o imóvel residencial
próprio do casal como impenhorável, não respondendo o mesmo por qualquer tipo
de dívida civil, comercial, fiscal, etc.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Partindo dessa premissa o imóvel seria
impenhorável!</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">No entanto, como toda regra existem
as exceções e aqui não poderia ser diferente já que a própria legislação prevê
as hipóteses em que o bem de família será passível de penhora, vejamos:</span></p>
<p class="MsoListParagraphCxSpFirst" style="margin-left: 1.0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 0cm;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span style="font-size: 12.0pt; line-height: 107%;">Fiança em locação</span></u><span style="font-size: 12.0pt; line-height: 107%;">: O fiador no contrato de locação pode sofrer os efeitos da penhora em imóvel
de sua titularidade; <br /></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 0cm;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span style="font-size: 12.0pt; line-height: 107%;">Dívidas de Condomínio</span></u><span style="font-size: 12.0pt; line-height: 107%;">: O bem de Família em relação ao qual exista débito condominial, poderá ser
penhorado para a quitação dessa dívida; <br /></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 0cm;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span style="font-size: 12.0pt; line-height: 107%;">Débito de Financiamento</span></u><span style="font-size: 12.0pt; line-height: 107%;">: em casos desta natureza a impenhorabilidade é afastada
quando a origem do débito for relativa a financiamento para aquisição ou
construção no próprio imóvel; <br /></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 0cm;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span style="font-size: 12.0pt; line-height: 107%;">Pensão Alimentícia</span></u><span style="font-size: 12.0pt; line-height: 107%;">: Dívida de caráter alimentar, faz com que o imóvel seja objeto de
penhora para o pagamento do respectivo debito; <br /></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 0cm;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span style="font-size: 12.0pt; line-height: 107%;">Cobrança de Impostos</span></u><span style="font-size: 12.0pt; line-height: 107%;">: também afasta a impenhorabilidade do bem de família para o pagamento de
impostos decorrentes do próprio imóvel, a exemplo do IPTU; <br /></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 0cm;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span style="font-size: 12.0pt; line-height: 107%;">Hipoteca</span></u><span style="font-size: 12.0pt; line-height: 107%;">:
Sendo o imóvel indicado na condição de hipoteca, como forma de garantir o
pagamento de dívidas, o imóvel pode sim ser penhorado. <br /></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0cm; mso-add-space: auto; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Como
se vê, existem exceções à regra, as quais podem fazer com que a pessoa perca
seu único bem e, portanto, a impenhorabilidade do bem de família não é
absoluta. <br /></span></p>
<p class="MsoListParagraphCxSpLast" style="margin-left: 1.0cm; mso-add-space: auto; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Veja que
essas hipóteses não esgotam as exceções à impenhorabilidade do bem de família. Atentem-se
ao fato de que a alienação fiduciária é uma garantia de pagamento de uma dívida
e, portanto, segue o mesmo preceito da hipoteca, em razão de sua natureza
jurídica.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Assim, em caso de necessidade de
solicitação deste tipo de empréstimo deve-se avaliar as condições estabelecidas
pelas instituições financeiras, já que cada uma tem sua própria regra a exemplo
da exigência ou não de seguros, valor mínimo do imóvel, valor máximo do
empréstimo e concessão ou não do valor solicitado em caso de imóvel já
financiado.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Portanto fique bem atento a esta
modalidade e em caso de dúvidas procure alguém de sua confiança, antes de
firmar o contrato, para que você tenha noção de todo o conteúdo contratual e
suas consequências.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Fica a dica e até a próxima.</span></p>
Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-85293447606002267122023-05-08T10:27:00.000-03:002023-05-08T10:27:29.237-03:00IGP-M negativo diminui o valor do aluguel?<p style="text-align: left;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAdZ4lFaW4g_K73ZhvqULIUgU9PN0si6NVgjx2qqwxOD8HSuU4tAM6s_8Hk5SqHwBLGCacE3dUzys6v9vwNEUUPRNCg0JxIXxDMXfxzLX_q5f_vc_gjXQFwb2qLX0C0PQ7BTpBXwerBqElKEUQGM5UTt0mOesG9Ns7gbDQv2t38r0-jV111f7LPM85/s2121/CASA%20VERDE%20AMARELA%20FINANCIAMENTO.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1414" data-original-width="2121" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAdZ4lFaW4g_K73ZhvqULIUgU9PN0si6NVgjx2qqwxOD8HSuU4tAM6s_8Hk5SqHwBLGCacE3dUzys6v9vwNEUUPRNCg0JxIXxDMXfxzLX_q5f_vc_gjXQFwb2qLX0C0PQ7BTpBXwerBqElKEUQGM5UTt0mOesG9Ns7gbDQv2t38r0-jV111f7LPM85/s320/CASA%20VERDE%20AMARELA%20FINANCIAMENTO.jpeg" width="320" /></a></div><br /> <br /><span style="font-family: times;">O índice que mede a inflação dos alugueis é o IGP-M e, para surpresa de muitos, o mesmo mostrou-se negativo no mês de abril em -0,95% e seu acumulado nos últimos 12 meses foi de -2,17%. <br /><br />O respectivo índice é calculado com base na variação de preços de produção, do consumidor e custos da construção civil. Desde o ano de 2018, o índice não tinha variação negativa. <br /><br />Entretanto, mesmo o IGP-M apontando negatividade, o mercado de alugueis encontra-se em alta. Isso porque o preço do aluguel está mais ligado a oferta e demanda do que mesmo as próprias variações do IGP-M, uma vez que o índice é utilizado apenas para atualização dos contratos de aluguel em vigência, não servindo como parâmetro para oferta de imóveis no mercado. <br /><br />Assim, quem pretende alugar imóvel irá se deparar com os preços do mercado, pouco importando neste momento as oscilações do índice. <br /><br />Por outro lado, quem está com contrato ativo e com previsão de reajuste para o mês de maio, por exemplo, poderá usar como argumentação a queda do IGP-M para que seu contrato permaneça com o valor inalterado. <br /><br />Destaque-se que isto não é uma máxima e sim um ponto de debate entre inquilino e proprietário. <br /><br />Deve-se destacar que não existe contrato de locação que preveja ou atrele a queda do IGP-M a uma diminuição do valor do aluguel, até porque este índice tem em seu fator a correção do período contratual. <br /><br />Diante deste cenário, algumas imobiliárias já estão adotando outros índices de reajustes dos alugueis, a exemplo do IPCA, que é o índice que mede a inflação. <br /><br />Sendo assim na hora de firmar um contrato de aluguel, fique atento ao índice de reajuste que será utilizado. <br /><br />Já na hora do reajuste anual, procure manter a harmonia entre partes, ajustando corretamente o valor mensal ou mantendo o mesmo, para não espantar o inquilino. Nessa hora o bom senso entre locador e locatário, sempre prevalece. <br /><br />Fica a dica e até a próxima.</span><p></p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-3634693022614885372023-04-27T18:21:00.000-03:002023-04-27T18:21:00.783-03:00O prazo Máximo da Renovação do Contrato Comercial<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoUfnUYTozsdFbGOR4EAlTAt4ykhfrIueYJxeS3uFNVrvg0k-Pfbiqgy7fGIZmlYfQD3r9YQwwE_aHs6u3FCpD7aMxhIUdFw-KsD_KM-E8llYWg_lOqr6i6EqXbqtAvFf1IVq4AQeIkp4mO4F3PqYS4ViU5V9FCUccplfeOAbFDcjE2fU4Ax9WYcWb/s1200/Imovel%20Comercial.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="768" data-original-width="1200" height="205" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoUfnUYTozsdFbGOR4EAlTAt4ykhfrIueYJxeS3uFNVrvg0k-Pfbiqgy7fGIZmlYfQD3r9YQwwE_aHs6u3FCpD7aMxhIUdFw-KsD_KM-E8llYWg_lOqr6i6EqXbqtAvFf1IVq4AQeIkp4mO4F3PqYS4ViU5V9FCUccplfeOAbFDcjE2fU4Ax9WYcWb/s320/Imovel%20Comercial.jpeg" width="320" /></a></div><p></p><p><!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="page number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of authorities"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="macro"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="toa heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
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<![endif]--><br /><br /><span style="font-family: inherit;">Assunto importante e instigante quando se trata de locação comercial, reside no prazo máximo do respectivo contrato e de sua renovação. <br /><br />Este tema é sempre muito debatido entre empresários e proprietários de imóveis nesta modalidade, já que o tempo é um influenciador nato nesta modalidade de locação, tanto no transcorrer do período normal da locação, quanto na sua renovação, por isso a necessidade de estar sempre ciente destes fatos na hora da negociação. <br /><br />Geralmente quando se realiza um contrato comercial, é comum estipular prazos de 05, 10 ou 15 anos, não sendo esse tempo uma regra absoluta, pois existem exceções. <br /><br />Já no tocante a renovação do respectivo contrato, a Lei 8.245/91 estabeleceu critérios específicos para que a mesma ocorra, destacando-se que o locatário tem direito a renovação do contrato por igual prazo, desde que cumpra alguns requisitos de forma cumulativa, a exemplo da obrigatoriedade da existência de contrato escrito e com prazo determinado, dentre outros. <br /><br />Ressalta-se que além da exigência do contrato escrito o locador ainda deve ficar atento para que o prazo mínimo do contrato a renovar ou a soma dos prazos ininterruptos dos contratos escritos seja de cinco anos. <br /><br />Ademais, também é necessário que o locatário esteja explorando seu comércio, no mesmo ramo e com prazo mínimo e ininterrupto de três anos. <br /><br />Assim, caso o locador não deseje renovar o contrato de locação comercial, deve notificar o locatário com pelo menos seis meses de antecedência do término do prazo. Já no caso do locatário pleitear seu direito à renovação compulsória, caso tenha direito, poderá acionar a justiça para garanti-lo. <br /><br />Em relação ao tema, o superior Tribunal de Justiça analisando recentemente um caso sobre o prazo máximo para a renovação de contrato de locação, chegou à conclusão de que o mesmo é de 05 anos, podendo ser requerido novamente pelo locatário ao final do período. <br /><br />Na visão da relatora do processo Ministra Nancy Andrighi: "Permitir a renovação por prazos maiores, de dez, quinze, vinte anos, poderia acabar contrariando a própria finalidade do instituto, dadas as sensíveis mudanças de conjuntura econômica, passíveis de ocorrer em tão longo período, além de outros fatores que possam ter influência na decisão das partes em renovar, ou não, o contrato" <br /><br />A ministra relatora destacou em seu voto que a ação renovatória tem por objetivo evitar o enriquecimento injustificado do locador, tutelando, sobretudo, o fundo de comércio criado e desenvolvido pelo inquilino durante a execução do contrato. <br /><br />A ministra ainda ponderou que o benefício, anteriormente tratado pelo Decreto 24.150/1934 (Lei de Luvas) e, atualmente, pela Lei 8.245/1991, também deve preservar os direitos do locador, evitando que a eternização do contrato restrinja o direito de propriedade e viole a própria natureza bilateral e consensual da locação. <br /><br />Esta decisão denota consonância com a legislação alinhada aos direitos do proprietário e inquilino, permitindo assim uma harmonia contratual em aliança com a finalidade do instituto da locação comercial. <br /><br />Fica a dica e até a próxima.</span></p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-61692174849932311172023-03-30T17:53:00.001-03:002023-03-30T17:53:29.077-03:00Compra de imóvel, taxa de Juros e os cuidados necessários<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKz5BQD6RIlWgMP8-T8P4JNEVtjP7FnyplywTEK8PsiJQAQVeJjffajZ0BWUOWimxe7Cz6Sg7oAx1TbcEFOFVYBqx1dZon3HxB9PGQW624pH7DxsUp71IBt47SFR0RcbDZTkH6VL0AJIfiP6SeL94E7ZXQS8DMYPoa08l20D95uF1vwF7zd0ejYSSJ/s770/Juros%20abusivos.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="478" data-original-width="770" height="199" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKz5BQD6RIlWgMP8-T8P4JNEVtjP7FnyplywTEK8PsiJQAQVeJjffajZ0BWUOWimxe7Cz6Sg7oAx1TbcEFOFVYBqx1dZon3HxB9PGQW624pH7DxsUp71IBt47SFR0RcbDZTkH6VL0AJIfiP6SeL94E7ZXQS8DMYPoa08l20D95uF1vwF7zd0ejYSSJ/s320/Juros%20abusivos.jpg" width="320" /></a></div><p></p><p><!--[if gte mso 9]><xml>
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<style>
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table.MsoNormalTable
{mso-style-name:"Tabela normal";
mso-tstyle-rowband-size:0;
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</p><p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">A compra de
um imóvel é um passo importante na vida das pessoas, já que representa um
investimento financeiro considerável. </span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Assim, para
a obtenção de sucesso na escolha da propriedade ideal deve ser considerado diversos
fatores de ordem emocional, financeira e pessoal. </span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Por isso, é
essencial a cautela na hora de fechar o negócio e realizar o sonho da casa
própria.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Visando
garantir uma compra segura e evitar possíveis problemas no futuro, listamos
algumas observações que devem ser adotadas:</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 0cm;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: PT-BR;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> <b>
</b></span></span></span><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;"><b>Definição de necessidades</b> </span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Quais são
as suas necessidades e expectativas? Pergunta extremamente necessária antes de
começar a buscar por imóveis, já que é importante ter clareza do que precisa.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Defina a
localização ideal, o tamanho do imóvel, a quantidade de quartos, a presença de
área de lazer, dentre outros fatores que você considera importantes para sua
família.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-list: l4 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 0cm;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: PT-BR;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;"><b>Pesquisa de mercado</b></span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">A
quantidade de imóveis disposta a venda é enorme, por isso a pesquisa é
fundamental na hora da escolha. Você deve visitar bairros, conversar com
moradores, analisar os preços praticados no mercado e comparar as opções
disponíveis. O importante é ter paciência e cautela para não fechar negócio de
forma precipitada ou por impulso.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-list: l5 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 0cm;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: PT-BR;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;"><b>Documentação</b></span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Solicite
toda a documentação referente ao imóvel, bem como de seus proprietários, observe
se aquele que está vendendo é o real proprietário do imóvel e se não existe
nenhum gravame sobre o bem, a exemplo de penhora, hipoteca, pendência judicial
ou dívida em relação ao imóvel.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-list: l2 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 0cm;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: PT-BR;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;"><b>Faça visitas e vistoria no imóvel</b></span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Nunca
assine o contrato de compra sem antes visitar o imóvel em horários distintos.
Além disso é importante fazer uma vistoria minuciosa, analisar o tempo de
construção, as condições da estrutura, instalações elétricas e hidráulicas,
móveis e acabamentos. Se possível, contrate um profissional especializado para
tal ato.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-list: l1 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 0cm;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: PT-BR;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;"><b>Tenha um advogado de confiança e faça um planejamento
imobiliário</b></span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Um advogado
de confiança é fundamental para garantir uma compra segura e evitar possíveis
problemas jurídicos. Ele irá auxiliá-lo na análise dos documentos, na
elaboração do contrato e na verificação de possíveis cláusulas abusivas.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Além disso
é de suma importância que você solicite um planejamento imobiliário, o advogado
juntamente com o contador irá elaborar um plano jurídico/financeiro, de acordo
com seus rendimentos, para que você consiga conquistar sua casa própria sem
problemas.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-list: l3 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 0cm;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: PT-BR;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;"><b>Financiamento bancário e via construtora</b></span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">São
questões bem distintas, mas que devem ser levadas em consideração na hora de
firmar o contrato.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Se você
adotar o financiamento bancário observe a taxa de juros que será aplicada ao
seu contrato, bem como o índice de correção monetária. Neste caso procure não
aceitar índices setoriais, a exemplo do IPCA para corrigir as prestações e o
saldo devedor. Prefira a TR. A Lei lhe garante essa escolha.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Já no
tocante a contrato direto com construtora, observe que tanto as prestações
quanto as intercaladas, durante o período de construção são reajustadas pelo
INCC de forma cumulativa. Analise, pois talvez essa cumulatividade não seja tão
benéfica assim.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Já quando a
construtora entrega a obra, o índice modifica passando geralmente para IGPM com
o acréscimo de 0,5 a 1%, ou seja, aqui existe uma capitalização e em caso de
inviabilidade de pagamento é hora de você procurar um financiamento bancário
com taxas mais atraentes. Pense nisso.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Por fim
acreditamos que com esses cuidados é possível realizar a compra de um imóvel
com mais segurança e tranquilidade. </span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Lembre-se
de que se trata de um investimento de longo prazo, por isso é importante
dedicar tempo e atenção a todas as etapas do processo.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-left: 1.0cm; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR;">Fica a dica
e até a próxima.</span></p>
<p></p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-66656629212777646572023-01-24T16:20:00.000-03:002023-01-24T16:20:15.608-03:00Posso comprar um imóvel antes da formalização do inventário?<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRbnxCpABgMOdjJpvq0-RhlZP8OwGzye_z5QDGJcejRNMwPYj_nzqQgU-q1pBz1WY7pLlAXhF28jwYMNRMnnUkyf1vaaxYD_Ef3tzRAMR3_XvG6RT-d9lE3Sfsow1GqPR0t2i9FgD6lHMC7DtRmkIH1WWiBH0zviUV3-v9Gna4-FcS57gBhl5KdfMn/s275/Inventario.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="183" data-original-width="275" height="183" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRbnxCpABgMOdjJpvq0-RhlZP8OwGzye_z5QDGJcejRNMwPYj_nzqQgU-q1pBz1WY7pLlAXhF28jwYMNRMnnUkyf1vaaxYD_Ef3tzRAMR3_XvG6RT-d9lE3Sfsow1GqPR0t2i9FgD6lHMC7DtRmkIH1WWiBH0zviUV3-v9Gna4-FcS57gBhl5KdfMn/s1600/Inventario.jpg" width="275" /></a></div><p></p><p><!--[if gte mso 9]><xml>
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</xml><![endif]--><!--[if gte mso 10]>
<style>
/* Style Definitions */
table.MsoNormalTable
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mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
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mso-para-margin-top:0cm;
mso-para-margin-right:0cm;
mso-para-margin-bottom:8.0pt;
mso-para-margin-left:0cm;
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mso-pagination:widow-orphan;
font-size:11.0pt;
font-family:"Calibri",sans-serif;
mso-ascii-font-family:Calibri;
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</p><p class="MsoNormal" style="margin-left: 21.3pt; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">A princípio podemos afirmar que sim e
tal ato se dará através do instrumento jurídico adequado, o qual seja uma
cessão de direitos hereditários. </span></p>
<p class="MsoNormal" style="margin-left: 21.3pt; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">A cessão de direitos hereditários
está prevista no art. 1.793 do Código Civil, e consiste na transferência da
herança de um herdeiro para uma terceira pessoa. </span></p>
<p class="MsoNormal" style="margin-left: 21.3pt; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">A Cessão de Direitos deve ser lavrada
de através de Escritura Pública e não simplesmente por contrato de compra e
venda!</span></p>
<p class="MsoNormal" style="margin-left: 21.3pt; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Na etapa da regularização, o novo
comprador deverá realizar o inventário ou se habilitar no mesmo, para que o
imóvel lhe seja adjudicado e consequentemente haja o registro da compra dos
direitos hereditários na matrícula do imóvel.</span></p>
<p class="MsoNormal" style="margin-left: 21.3pt; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Mas existem riscos? Sim! O que
poderia ser uma ótima oportunidade de negócio, pode tornar-se uma grande dor de
cabeça caso não haja uma análise detalhada e preventiva de toda a situação!</span></p>
<p class="MsoNormal" style="margin-left: 21.3pt; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Dívidas em nome do falecido ou até
mesmo má fé por parte dos herdeiros, são alguns dos diversos riscos que o
comprador pode correr.</span></p>
<p class="MsoNormal" style="margin-left: 21.3pt; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Assim, na iminência de aquisição de
um imóvel nesta condição é essencial a orientação de um advogado especializado,
cujo objetivo principal é o de evitar prejuízos.</span></p>
<p class="MsoNormal" style="margin-left: 21.3pt; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Fica a dica e até a próxima.</span></p>
<p></p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-90676061539716175142023-01-16T12:03:00.000-03:002023-01-16T12:03:08.613-03:00FGTS nas prestações em atraso<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVFkMlVM4kLNa9ce1cUzQ_d1DYi0Ufl2MgxAX8Xfk-_NiwhjIUs0ywypiqnJRLlyWmeyn7M8ZJjcDXHsCpuc07B2XqwhmpaAX_wuqESPWCEzSqBpFPaqZ0yuoF781cgczMhthLpDuJkZlXgF7FnEFmEVyjgdUAdWVW-pqStyuvUcTdkR51bn0hMzMy/s870/FGTS%201.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="450" data-original-width="870" height="166" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVFkMlVM4kLNa9ce1cUzQ_d1DYi0Ufl2MgxAX8Xfk-_NiwhjIUs0ywypiqnJRLlyWmeyn7M8ZJjcDXHsCpuc07B2XqwhmpaAX_wuqESPWCEzSqBpFPaqZ0yuoF781cgczMhthLpDuJkZlXgF7FnEFmEVyjgdUAdWVW-pqStyuvUcTdkR51bn0hMzMy/s320/FGTS%201.jpg" width="320" /></a></div><p></p><p><!--[if gte mso 9]><xml>
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</p><p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">A partir deste mês de janeiro de 2023
as pessoas que estiverem com até 06 parcelas da prestação de seu financiamento
habitacional em atraso, poderão utilizar o seu FGTS para o pagamento das
mesmas.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Esta medida se dá por decisão do
Conselho Curador do respectivo órgão. Há de se destacar que até dezembro de
2022 as pessoas podiam se valer de até 12 meses, no entanto, a partir deste ano
houve a redução.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">A utilização do FGTS para essa
situação é bastante importante, já que evita que o mutuário perca seu imóvel,
pois diversas são as variantes que levam a pessoa a atrasar suas parcelas de
financiamento. </span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Por outro lado, também se entende que
não adianta você ter uma boa quantia depositada no FGTS, cujo rendimento é
baixíssimo e pagar juros altos no financiamento imobiliário.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Assim é muito mais vantajoso você
adotar o procedimento de sempre procurar diminuir o seu saldo devedor
utilizando-se deste recurso, lembrando que para a utilização do FGTS terá que
comprovar t</span><span style="font-size: 12.0pt; line-height: 107%; mso-fareast-language: PT-BR;">rês anos completos de trabalho sob o regime do FGTS, consecutivos ou não
e não ter financiamento imobiliário ativo no SFH, no mesmo município;</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%; mso-fareast-language: PT-BR;">Fica a
dica e até a próxima</span></p>
<p></p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-29951944905409526432022-08-30T15:20:00.000-03:002022-08-30T15:20:11.998-03:00Financiamento Imobiliário X Home Equity - Conheça as diferenças<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOvGrmojrinD9gxxpzyFnF1o90vE6uDMeL9pxYPJFGafRnQ0bZdavCfK8vhm0epQxVEqUDus1Ab37pVWl7eYAcHRfqijQSspCkASf44V0zjLGbqKGBMT87FqNitKfxquksYzFU9DqInh3p5DQsQ_fpolE0cJGOBcgpRaoMf4rBGhOrmwREAjl13HH3/s845/Equity.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="475" data-original-width="845" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOvGrmojrinD9gxxpzyFnF1o90vE6uDMeL9pxYPJFGafRnQ0bZdavCfK8vhm0epQxVEqUDus1Ab37pVWl7eYAcHRfqijQSspCkASf44V0zjLGbqKGBMT87FqNitKfxquksYzFU9DqInh3p5DQsQ_fpolE0cJGOBcgpRaoMf4rBGhOrmwREAjl13HH3/s320/Equity.jpg" width="320" /></a></div><p></p><p><!--[if gte mso 9]><xml>
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</p><p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Partindo da dúvida de um internauta
decidimos abordar o tema do Home Equity, uma vez que esta modalidade de
empréstimo está sendo cada vez mais comum entre os brasileiros.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">No entanto, é preciso distingui-la do
financiamento habitacional, já que este tem uma finalidade clara e precisa, a
qual seja a aquisição da casa própria.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">É que o financiamento habitacional
tem legislação específica é atrelado ao Sistema Financeiro da Habitação e possui
regras próprias. Assim o recurso é vinculado e conta ainda com a exigência da
contratação de seguro de danos físicos no imóvel e de morte e invalidez
permanente.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Em relação a taxas de juros, a mesma
segue a linha média de mercado e geralmente está atrelada à taxa Selic e a
depender do índice de correção monetária, tem-se patamares mais atrativos. </span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Já no home Equity a instituição
financeira concede o crédito, independentemente para que o mesmo sirva e
utiliza o seu imóvel como garantia de pagamento. Assim, não exige vinculação na
destinação do valor emprestado e de acordo com algumas instituições os juros
são mais baixos.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Nesta modalidade, o imóvel dado em
garantia é gravado com alienação fiduciária, podendo o proprietário usufruir do
bem enquanto paga pelo empréstimo concedido.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Há de se destacar que em ambas as
modalidades a alienação fiduciária estará presente como forma de garantia de
recebimento do crédito, uma vez que em caso de atraso no pagamento das
prestações a forma na execução do contrato é bem mais célere.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Por fim, em caso de necessidade de
solicitação deste tipo de empréstimo deve-se avaliar as condições estabelecidas
pelas instituições financeiras, já que cada uma tem sua própria regra a exemplo
da exigência ou não de seguros, valor mínimo do imóvel, valor máximo do
empréstimo e concessão ou não do valor solicitado em caso de imóvel já
financiado.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Portanto fique bem atento a esta
modalidade e em caso de dúvidas procure alguém de sua confiança tendo bem
delineado as condições ofertadas para a concessão do crédito.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Fica a dica e até a próxima.</span></p>
<p></p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-15726363779334594202022-08-03T15:43:00.004-03:002022-08-03T15:43:59.014-03:00Seguros e limites de cobertura<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidMuu9a0JUrQ64ynY8nkTTy5BuNuyprDSJS4hA9wkDxOXq2EDMxBnGux8U_82sNzrLBb_3ENf5TX610LTQAMxKZLAn0usyOMH8GmF2nbsAvEyZNEgiPhWn_aFZOXha2eEBDfceNqVGe608ws2vsDVQVdZEIi8yratHq7e_dIMpEQpLG2cE37DS8UJr/s660/SEGURO%20IMAGEM.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="330" data-original-width="660" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidMuu9a0JUrQ64ynY8nkTTy5BuNuyprDSJS4hA9wkDxOXq2EDMxBnGux8U_82sNzrLBb_3ENf5TX610LTQAMxKZLAn0usyOMH8GmF2nbsAvEyZNEgiPhWn_aFZOXha2eEBDfceNqVGe608ws2vsDVQVdZEIi8yratHq7e_dIMpEQpLG2cE37DS8UJr/s320/SEGURO%20IMAGEM.jpg" width="320" /></a></div><!--[if gte mso 9]><xml>
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</p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">A contratação de seguros visa a
tranquilidade do segurado em caso de eventual sinistro, seja ele parcial ou
total.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">No entanto, quando o mutuário efetivamente
precisa utilizar da apólice firmada, pode encontrar resistência por parte das
seguradoras no tocante ao valor a ser segurado.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Destaca-se que a realização de
seguros, principalmente para imóveis residenciais ou comerciais não é
obrigatório, ficando a cargo do proprietário. Contudo, ressalva-se a questão condominial
e os financiamentos imobiliários, nos quais os seguros são obrigatórios, por
força de lei.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">No caso dos seguros de contratos de
financiamento imobiliário, o mutuário tem o poder de escolha da seguradora e
não fica à mercê da instituição bancária originária do financiamento, nessa
questão.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Entretanto quando da necessidade de
utilizar do respectivo seguro, surge a dúvida do valor a ser indenizado diante
do sinistro apresentado.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Nos seguros de financiamentos
imobiliários, tem que observar o contrato firmado, em especial, se houve alguma
composição de renda para a aquisição do valor financiado, bem como a natureza
do sinistro, já que se cobre três situações distintas, invalidez permanente,
morte ou danos físicos no imóvel.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Em caso de morte ou invalidez
permanente a cobertura será total, se não houve composição de renda com outro
mutuário. O saldo devedor será coberto na integralidade e o banco lhe dará a
quitação e a respectiva baixa do gravame hipotecário ou da alienação
fiduciária.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Em se tratando de danos físicos do
imóvel, geralmente se fará um levantamento através do setor de engenharia do
banco, para valorar os danos e consequentemente apurar a indenização ou
reparação do bem.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Já em caso de perda total da
propriedade, por exemplo um incêndio, onde não se possa recuperar com segurança
o imóvel, a indenização securitária deverá corresponder ao valor do efetivo
prejuízo experimentado no momento do sinistro.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Deve se observar ainda o valor máximo
previsto na apólice do seguro de dano, tudo nos termos da legislação civil
aplicável ao caso. Situações desta natureza já teve o crivo do Poder
Judiciário, em especial do Superior Tribunal de Justiça que nos autos do
Recurso Especial nº</span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"> <span style="mso-bidi-font-weight: bold;">1955422, adotou este procedimento.</span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin;">Sendo assim, em caso
de sinistros seja de qualquer ordem e na existência de apólice securitária
acione imediatamente a seguradora e caso haja negativa por parte da mesma, não
hesite em judicializar a questão.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin;">Lembre-se que no
caso específico de contratos de financiamento habitacional, o prazo para a
cobertura securitária é de 01 ano a partir da negativa da cobertura.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-latin;">Fiquem atentos
quanto a essa questão e até a próxima.</span><span style="font-size: 12.0pt; line-height: 107%;"></span></p>
<span style="font-size: 12.0pt; line-height: 107%;"></span><p></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><br />
</p><p> </p><p> </p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-68051132457072566012022-07-27T18:52:00.003-03:002022-07-27T18:52:53.253-03:00Limites ampliados para o Programa Casa Verde e Amarela<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEMztcbOExC-OsRPAWlGDUzJZy2Ivr2q4Thv1cW3K4qTJuN_2tW48j5wTlN4oo075jJxhNsUVDtirPRgQBBCPymvb9tJkML0CD33g_5C9tNKA0chC5ygy8afvcqeO-4GoGU5sThObOxy19BIjLVdbxvEQRQwu_Y-eAlv2W0X8fa1RLMtItGJrnDXMt/s2121/CASA%20VERDE%20AMARELA%20FINANCIAMENTO.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1414" data-original-width="2121" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEMztcbOExC-OsRPAWlGDUzJZy2Ivr2q4Thv1cW3K4qTJuN_2tW48j5wTlN4oo075jJxhNsUVDtirPRgQBBCPymvb9tJkML0CD33g_5C9tNKA0chC5ygy8afvcqeO-4GoGU5sThObOxy19BIjLVdbxvEQRQwu_Y-eAlv2W0X8fa1RLMtItGJrnDXMt/s320/CASA%20VERDE%20AMARELA%20FINANCIAMENTO.jpeg" width="320" /></a></div><br /><p></p><p><!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" Priority="9" SemiHidden="true"
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<w:LsdException Locked="false" Priority="9" SemiHidden="true"
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<w:LsdException Locked="false" Priority="9" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="35" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="1" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
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<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
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<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
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<w:LsdException Locked="false" Priority="30" QFormat="true"
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
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<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
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<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
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<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
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<w:LsdException Locked="false" Priority="21" QFormat="true"
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<w:LsdException Locked="false" Priority="31" QFormat="true"
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<w:LsdException Locked="false" Priority="32" QFormat="true"
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<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
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</p><p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Notícia excelente para quem deseja
financiar um imóvel.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">O conselho curador do Fundo de
Garantia por Tempo de Serviço – FGTS aprovou o aumento nas faixas de renda do
Programa Casa Verde e Amarela.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">As mudanças foram tanto nas faixas de
renda como também nos valores dos imóveis e percentuais de financiamento
relativo ao valor de avaliação.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Hoje é possível financiar imóvel de
R$ 350.000,00 mil reais até R$ 1.5 milhão e meio que é o teto do sistema
financeiro da habitação. A faixa inicial do programa começa com renda a partir
de R$ 2.4 dois mil e quatrocentos reais até R$ 8 mil reais.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Já em relação a linha pró-cotista do
FGTS destinado a quem não tem o acesso ao programa as taxas de juros foram
reduzidas chegando ao percentual de 7.66% ao ano para imóveis de até R$ 350 mil
e de 8.16% para imóveis acima deste valor até R$ 1.5 milhão e meio.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Deve-se lembrar que atrelado a taxa
de juros está a TR – Taxa Referencial, como índice de correção monetária e que
essa medida estará válida para quem aderir até 31 de dezembro de 2022.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Destaque-se que a Caixa também
aumentou o valor a ser financiado, chegando a 80% do valor da avaliação do
imóvel, a depender do sistema de amortização a ser adotado para o financiamento.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Nossa orientação amigos é a de que
antes de realizar qualquer contrato, procurem analisar as cláusulas contratuais
nele envolvidas, bem como colocar na ponta do lápis o efeito das prestações do
financiamento habitacional dentro de seu orçamento familiar.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Lembre-se de computar com as
prestações o valor dos seguros, item obrigatório nessa modalidade de
financiamento. Assim, analisar é muito importante.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Portanto sempre procure realizar o
financiamento com segurança, haja vista se tratar de contrato de longo prazo e
que se não for bem planejado poderá acarretar dores de cabeça.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Fica a dica e até a próxima.</span></p>
<p></p><p> </p><p> </p><p> </p><p> </p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-84519578820911913502022-05-16T14:33:00.001-03:002022-05-16T14:33:29.627-03:005 Coisas que te impedem de conquistar a casa própria<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi9UipumdXK5RouTudB3YbE4aHNOo2dnFKA0kthif8SG-zsMUint9dlk2Q3RUVjazvTN6sZvN2oXPwnFf_KFNFmNW2gwgIHijET6tNph3BxS_GxSUegeKzzeTY4DmKi3XxBN5QZWpt8cnDQriv1hASBTkplX5LFDhtRmhrmAuN1AxrnGJTrvtLcl-B/s620/contrato1.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="300" data-original-width="620" height="155" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi9UipumdXK5RouTudB3YbE4aHNOo2dnFKA0kthif8SG-zsMUint9dlk2Q3RUVjazvTN6sZvN2oXPwnFf_KFNFmNW2gwgIHijET6tNph3BxS_GxSUegeKzzeTY4DmKi3XxBN5QZWpt8cnDQriv1hASBTkplX5LFDhtRmhrmAuN1AxrnGJTrvtLcl-B/s320/contrato1.jpeg" width="320" /></a></div><p></p><p><!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
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</w:LatentStyles>
</xml><![endif]--><!--[if gte mso 10]>
<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Tabela normal";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
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</span></span></span><u><span style="font-size: 12.0pt; line-height: 107%;">Falta de Planejamento</span></u><span style="font-size: 12.0pt; line-height: 107%;"> – Nunca se deve fazer um financiamento habitacional seja com a
construtora ou com a instituição bancária sem antes fazer uma análise do orçamento
familiar e de forma conjunta planilhar os custos operacionais e mensais, englobando
o valor das prestações. Lembre-se de não comprometer mais de 20% de seu
orçamento; <br /></span></p>
<p class="MsoListParagraphCxSpMiddle"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span style="font-size: 12.0pt; line-height: 107%;">Não contratar um advogado para analisar o contrato</span></u><span style="font-size: 12.0pt; line-height: 107%;"> – Só um advogado e de preferência
especializado na área, poderá interpretar corretamente o contrato que será
firmado entre você e a construtora ou o banco. O mais indicado é uma consultoria
prévia, ou seja, antes de qualquer assinatura pois poderá ajustar as cláusulas
contratuais, bem como lhe salvar de possíveis dores de cabeça no futuro; <br /></span></p>
<p class="MsoListParagraphCxSpMiddle"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span style="font-size: 12.0pt; line-height: 107%;">Pagar apenas as prestações mensais</span></u><span style="font-size: 12.0pt; line-height: 107%;"> – Se você já ouviu falar em amortização extraordinária ou
redução das parcelas e não está praticando, está cometendo um grande erro. É
que ficar pagando apenas as prestações do financiamento sem aportar nenhum valor
a mais para diminuir o saldo devedor irá lhe fazer ficar pagando juros à
instituição financeira e quem sabe até gerar saldo devedor ao final do
financiamento. Por isso não perca tempo e sempre que possível amortize seu
saldo devedor ou antecipe suas prestações; <br /></span></p>
<p class="MsoListParagraphCxSpMiddle"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span style="font-size: 12.0pt; line-height: 107%;">Não se preparar para os custos operacionais após a liquidação</span></u><span style="font-size: 12.0pt; line-height: 107%;"> – Aliado a amortização
extraordinária, a preparação financeira para os custos pós quitação do
financiamento imobiliário é muito importante. Lembre-se que você terá que
registrar a baixa do gravame de alienação fiduciária, perante o cartório de
registro de imóveis ou arcar com a escritura e posterior registro nos casos de
financiamento direto com a construtora. <br /></span></p>
<p class="MsoListParagraphCxSpMiddle"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span style="font-size: 12.0pt; line-height: 107%;">Fazer financiamento por índice inflacionário</span></u><span style="font-size: 12.0pt; line-height: 107%;"> – A instituição bancária vive de
juros correto? Então quando lhe oferecerem uma taxa de juros reduzida ou bem
abaixo da linha média de mercado desconfie! É que certamente a instituição
bancária estará reduzindo os juros para consequentemente aplicar um índice inflacionário
para a correção monetária. A aplicação de índice como o IPCA ou IGPM por
exemplo tem demonstrado aumento excessivo nas prestações e no saldo devedor em
razão da subida exagerada dos mesmos, por conta da inflação. Várias pessoas
estão procurando a justiça para equilibrar seus contratos e não perder sua
casa. <br /></span></p>
<p class="MsoListParagraphCxSpLast" style="text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Fiquem ligados e até a próxima. </span></p>
<p></p><p> </p><p> </p><p> </p><p> </p><p> </p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-8911995860168432032022-03-22T17:45:00.001-03:002022-03-22T17:45:04.909-03:00Suspensão de assembleia condominial – Agora Pode<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaPxzp18laMpMO1sa4D5X8tO3GLT85N0Fch3GeYf8cukY1tlJAoZtY9g2UavuGySBWYWCKKsKUh9kYnS9qA5ln49gOgep-bUxbq5tEByEMqVF4MW3xFLxnh7-ZypWYZNLMc1HN493IygfcCQaAbp3od96KReKx-806OlRwm_wp4etnT165iEioNGGz/s300/reuniao%20virtual.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="300" data-original-width="300" height="140" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaPxzp18laMpMO1sa4D5X8tO3GLT85N0Fch3GeYf8cukY1tlJAoZtY9g2UavuGySBWYWCKKsKUh9kYnS9qA5ln49gOgep-bUxbq5tEByEMqVF4MW3xFLxnh7-ZypWYZNLMc1HN493IygfcCQaAbp3od96KReKx-806OlRwm_wp4etnT165iEioNGGz/w222-h140/reuniao%20virtual.jpg" width="222" /></a></div><p></p><p><!--[if gte mso 9]><xml>
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</p><p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">A partir da lei nº 14.309/22 ficou
permitido a realização de assembleias e votações em condomínio de forma virtual
e até mesmo híbrida, ou seja, presencial e virtual ao mesmo tempo.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">De acordo com a nova legislação as
reuniões, sejam elas ordinárias ou extraordinárias, podem ser realizadas por
meio eletrônico desde que assegurem aos condôminos o direito a voz e voto da
mesma forma como uma reunião presencial.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Além disso, a legislação trouxe uma
situação inovadora e bem benéfica para os condôminos, a qual seja: a
possibilidade de suspender a assembleia q</span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">uando
a deliberação exigir quórum especial previsto em lei ou em convenção e ele não
for atingido no momento da reunião.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Esta decisão deve ser adotada por maioria dos
presentes, autorizando o síndico a converter a reunião em sessão permanente,
desde que cumpra cumulativamente os seguintes requisitos:</span></p>
<p class="MsoListParagraphCxSpFirst" style="margin-bottom: 11.25pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 11.25pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 28.5pt;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Sejam indicadas </span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial;">a data e a hora da sessão
em seguimento, que não poderá ultrapassar 60 (sessenta) dias e deverá ser
identificada as deliberações pretendidas na reunião futura, em razão do quórum
especial não atingido;</span><span style="font-size: 12.0pt; line-height: 107%;"></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: 11.25pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 11.25pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 28.5pt;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"> <span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial;">Fiquem
expressamente convocados os presentes e sejam obrigatoriamente convocadas as
unidades ausentes, na forma prevista em convenção;</span><span style="font-size: 12.0pt; line-height: 107%;"></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: 11.25pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 11.25pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 28.5pt;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"> <span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial;">Seja
lavrada ata parcial, relativa ao segmento presencial da reunião da assembleia,
da qual deverão constar as transcrições circunstanciadas de todos os argumentos
até então apresentados relativos à ordem do dia, que deverá ser remetida aos
condôminos ausentes;</span><span style="font-size: 12.0pt; line-height: 107%;"></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: 11.25pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 11.25pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 28.5pt;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"> <span style="mso-list: Ignore;">d)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial;">Seja dada
continuidade às deliberações no dia e na hora designados, e seja a ata
correspondente lavrada em seguimento à que estava parcialmente redigida, com a
consolidação de todas as deliberações.</span><span style="font-size: 12.0pt; line-height: 107%;"></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: 11.25pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 11.25pt; mso-add-space: auto; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Em relação a suspensão deve-se
destacar que os votos já consignados na primeira sessão ficarão registrados e o
condômino desobrigado ao comparecimento para sua confirmação. No entanto caso
ele esteja presente na reunião de continuidade poderá requerer a alteração de
seu voto.</span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: 11.25pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 11.25pt; mso-add-space: auto; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">E mais, a sessão permanente poderá
ser prorrogada quantas vezes forem necessárias, desde que a assembleia seja
concluída no prazo total de 90 dias, contados da data de sua abertura inicial.</span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: 11.25pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 11.25pt; mso-add-space: auto; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Contudo para que tudo isso aconteça
de forma plena e sem empecilhos é necessário analisar a convenção para
adequá-la a nova legislação.</span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: 11.25pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 11.25pt; mso-add-space: auto; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Destaca-se por fim que o edital de
convocação deverá trazer instruções específicas e claras sobre o acesso à
plataforma digital, formas de manifestação e votação.</span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: 11.25pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 11.25pt; mso-add-space: auto; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Acreditamos que essa nova modalidade
irá aumentar a participação dos condôminos nas reuniões, uma vez que irá
possibilitar um maior engajamento e decisões em benefício de todos os
moradores, já que de onde ele estiver poderá participar, expondo sua opinião e
seu voto. </span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: 11.25pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 11.25pt; mso-add-space: auto; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoListParagraphCxSpLast" style="margin-bottom: 11.25pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 11.25pt; mso-add-space: auto; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Até a próxima</span></p>
<p></p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-38206029753733187892022-03-19T15:58:00.005-03:002022-03-19T15:58:43.464-03:00A responsabilidade civil do corretor de imóveis<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPZZKoIrID_NakmQOfaL0GEYdCpYe_uWKk6ULWz2Ns5SzcfUpbFGlhrvlfcEVkGhJQizzXPAGhwUrpCyB2jEiUIPxEOo3rZkHfoI17Qhab2oFjlcjZQNcYjdePWsK5duplTO7CUZFwXfn2vqDMPHyaqTN-RHxnYZOv5JjXyo7jFTupiQi7kQvP7TT2/s810/corretor%20imoveis.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="541" data-original-width="810" height="214" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPZZKoIrID_NakmQOfaL0GEYdCpYe_uWKk6ULWz2Ns5SzcfUpbFGlhrvlfcEVkGhJQizzXPAGhwUrpCyB2jEiUIPxEOo3rZkHfoI17Qhab2oFjlcjZQNcYjdePWsK5duplTO7CUZFwXfn2vqDMPHyaqTN-RHxnYZOv5JjXyo7jFTupiQi7kQvP7TT2/s320/corretor%20imoveis.jpg" width="320" /></a></div><p></p><p>
</p><p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">O trabalho de um corretor de imóveis
objetivamente é o ato de intermediar as transações imobiliárias.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Na prática, as atribuições deste
profissional vão muito além da intermediação, é necessário estar ciente de seus
direitos e deveres, assim como estar ciente da responsabilidade civil que lhe é
conferida.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Em fevereiro desse ano (2022), a
terceira turma do Superior Tribunal de Justiça – STJ, firmou tese jurisprudência
no sentido de que a relação jurídica onde a responsabilidade civil do corretor
de imóveis é diferente da firmada entre o comprador e o vendedor do imóvel.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Isto quer dizer que a
responsabilidade civil do corretor de imóveis está associada ao serviço por ele
ofertado e ao contrato firmado com quem o contratou, tendo também como
finalidade a aproximação das partes interessadas no contrato de compra e venda
e prestando ao cliente as informações necessárias sobre a transação.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Conclui-se então que é de extrema
importância que o bom profissional, esteja ciente de todas as suas
responsabilidades, incluindo seus direitos e deveres inerentes a profissão,
para que se execute um serviço de excelência.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Fiquem atentos a dica.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Até a próxima.</span></p>
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<![endif]--></p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-21727942717752502812022-01-19T15:38:00.000-03:002022-01-19T15:38:28.767-03:00Novo índice para alugueis – IVAR<p> <br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgMznx-fcgCsHHQwrB9DdMRWjjohKKquLKwmEzEOgm4vP57bugjnnmkgsINCJ6UD2daYBD0RQcZ--xJw7ac2fYdoKWcdcV161uAOxA2eumKq6lBgEUcfVp7For7zqQeXPzqDgeIl5wz6kVxM0MgBGZQ08MhkpPP-P177XqfoiWZn_vG2SfrFDothuDT=s900" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="597" data-original-width="900" height="212" src="https://blogger.googleusercontent.com/img/a/AVvXsEgMznx-fcgCsHHQwrB9DdMRWjjohKKquLKwmEzEOgm4vP57bugjnnmkgsINCJ6UD2daYBD0RQcZ--xJw7ac2fYdoKWcdcV161uAOxA2eumKq6lBgEUcfVp7For7zqQeXPzqDgeIl5wz6kVxM0MgBGZQ08MhkpPP-P177XqfoiWZn_vG2SfrFDothuDT=s320" width="320" /></a></div><br /><p></p><p class="MsoNormal" style="text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Após a disparada do IGPM – índice geral de preço de mercado e
dos inúmeros debates e reclamações acerca do índice de variação e reajustes dos
alugueis, o instituto Brasileiro de Economia da FGV lançou um novo indexador.</span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Trata-se do IVAR índice de Variação de Alugueis Residenciais,
ele irá medir a variação de preço dos alugueis residenciais e será divulgado
mensalmente, utilizando-se de informações dos contratos assinados entre
locadores e locatários, intermediados por empresas administradoras de imóveis,
em São Paulo, Belo Horizonte, Rio de Janeiro e Porto Alegre.</span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">O respectivo índice faz parte de um grupo de indicadores
calculados e divulgados pela instituição, a exemplo do IPC e do IGP-M.</span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Quanto a adoção ou do novo índice aos contratos, a mesma é
facultativa, já que as partes podem fixar livremente e de comum acordo o índice
de reajuste para os alugueis, conforme estabelecido na A lei do inquilinato em
seu artigo 18:</span></p>
<p style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 99.15pt; margin-top: 0cm; text-align: justify;"><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-bidi-font-style: italic; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Art. 18. É lícito às partes fixar, de
comum acordo, novo valor para o aluguel, bem como inserir ou modificar <b>cláusula
de reajuste</b>. </span><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Assim, se a própria
legislação prevê essa possibilidade as partes não só podem como devem
estabelecer um critério de negociação e um índice de correção monetária que não
traga prejuízos a nenhuma delas.<span style="mso-spacerun: yes;"> </span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">E mais, aconselha-se a
acompanhar nos próximos meses a evolução do respectivo índice, diante do
cenário econômico do nosso País.</span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Portanto, na hora de negociar o reajuste do seu aluguel, a
pesquisa de índices aliada ao diálogo é muito importante e requer a atenção de
todos os envolvidos, uma vez que só haverá outra possibilidade de negociação no
momento em que o contrato de aluguel for ser renovado. </span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: 12.0pt; line-height: 107%;">Até a próxima.</span></p>
<p> </p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-71992434150211212432021-07-26T11:25:00.002-03:002021-07-26T11:25:44.782-03:00Modelo Padrão é ariscado <p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxg7paulV4gWbSlw3eAmUfvUluTDUBLFnLpHCMTgLDtI_jDfygPFFCz1AXcGDcAG8CXeIrcDI2NGBKzBj-quA5fU7IzW0YJuyjqDrlS_i8cSzlWKSPR0T-WYpbu1XpdqBJqIefZmsLlLE/s275/CONTRATO.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="183" data-original-width="275" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxg7paulV4gWbSlw3eAmUfvUluTDUBLFnLpHCMTgLDtI_jDfygPFFCz1AXcGDcAG8CXeIrcDI2NGBKzBj-quA5fU7IzW0YJuyjqDrlS_i8cSzlWKSPR0T-WYpbu1XpdqBJqIefZmsLlLE/s0/CONTRATO.jpg" /></a></div><br /> <!--[if gte mso 9]><xml>
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<p></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Um contrato bem elaborado, dentro das
especificações corretas, da legislação atualizada e da realidade dos
contratantes é o ponto de partida para um excelente negócio imobiliário.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">A segurança jurídica trazida nos modelos
individualizados acarreta numa concretização sólida da transação imobiliária,
beneficiando todos os envolvidos na relação jurídica.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Normalmente, tanto nos contratos de
promessa de compra e venda, quanto nos diversos tipos de contratos locatícios, de
um lado está o bem objeto de negociação e, do outro, anos de economia que serão
investidos no negócio.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">O fato é que não é incomum encontrarmos
contratos “retirados” da internet. Trata-se de um grave erro cometido por
vendedores desavisados e, em alguns casos, profissionais que se utilizam dessa
prática como forma de agilizar e diminuir os custos de transação envolvidos no
negócio. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Todavia nem sempre aquele “contrato”,
encontrado nos navegadores de busca da internet, se encaixa ao caso concreto e,
por vezes, trazem dificuldades na primeira falha de um dos lados.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">A adoção de modelos prontos e
genéricos, além de ariscada, pode trazer problemas aos contratantes, uma vez
que não oferece nenhuma garantia. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> <br /></span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Diversas variantes envolvem tanto a
compra e venda de um imóvel, quanto às relações de locação imobiliária, seja
comercial, residencial e, até mesmo, as locações por temporada. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> Nesse sentido, faz-se necessário eliminar
os riscos envolvidos na contratação, como forma de proteger todos os envolvidos
na relação negocial. Isso se dará com a elaboração de um contrato
individualizado, não genérico, que se adeque a situação específica e que esteja
de acordo com a legislação vigente. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> Sendo assim, verifiquem todas as
condições que lhe são impostas e procurem fazer um contrato dentro da realidade
de sua aquisição ou locação, para evitar dores de cabeça no futuro ou mesmo que
o sonho se torne um pesadelo.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Fica a dica e até a próxima.</span></p>
Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-89899126342355383412021-07-20T15:43:00.001-03:002021-07-20T15:43:48.128-03:00Não pague esse seguro<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgestNIz2fVIJHcZtetTxFQNaSLsGWgNbmCVhWlzFdJUI0bNNWl1f2BS6b3Zu2zkTcyVdyFBx2g77Dcfp4QF3yvVpDxTtb4viuLWRhexeVkdyAjMbKLkEg-MH9AHTbE1g0X1atNVZyFn2I/s960/imovel-na-planta.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="480" data-original-width="960" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgestNIz2fVIJHcZtetTxFQNaSLsGWgNbmCVhWlzFdJUI0bNNWl1f2BS6b3Zu2zkTcyVdyFBx2g77Dcfp4QF3yvVpDxTtb4viuLWRhexeVkdyAjMbKLkEg-MH9AHTbE1g0X1atNVZyFn2I/s320/imovel-na-planta.jpg" width="320" /></a></div><p></p><p><!--[if gte mso 9]><xml>
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Name="footnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="header"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footer"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index heading"/>
<w:LsdException Locked="false" Priority="35" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of figures"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="envelope address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="envelope return"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="line number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="page number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of authorities"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="macro"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="toa heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
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<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
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</p><p align="center" class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;"><span style="font-size: 12.0pt; line-height: 107%;">Dispensa do
seguro de danos físicos</span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">É ciência de todos que os agentes
financeiros só podem conceder um financiamento habitacional, nos moldes do
Sistema Financeiro da Habitação, com cobertura securitária que preveja no
mínimo, cobertura de danos físicos no imóvel e de morte ou invalidez
permanente.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Estes seguros são obrigatórios e nestas
modalidades a seguradora se responsabiliza pelo sinistro ocorrido durante o
financiamento habitacional. Mas, para isso o mutuário tem que pagar mensalmente
com suas prestações um valor respectivo ao seguro.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Assim havendo a necessidade, o
mutuário aciona a seguradora para que a mesma a depender da situação, diminua
ou quite o saldo devedor do financiamento imobiliário.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Entretanto, em relação aos seguros
habitacionais, tem um ponto que talvez você não saiba!</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> É que nas operações de financiamento
na modalidade de aquisição de material de construção, com recursos do FGTS, os
agentes financeiros ficam autorizados a dispensar a contratação do seguro de
danos físicos no imóvel. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Este é um ponto importante a ser
analisado pelos mutuários que, por engano fizeram essa contratação, uma vez que
caso estejam pagando o seguro de danos físicos no imóvel, quando obtiveram
recursos para a aquisição de material de construção, tem direito a restituição,
por cobrança indevida.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Veja-se que os seguros podem variar
entre 0,5% a 20% do valor total do financiamento, além disso algumas
seguradoras ainda colocam no custo efetivo total dos seguros, a idade do
mutuário, o tipo do imóvel e o tempo do empréstimo. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Lembre-se que a não contratação desta
modalidade de seguros para a aquisição de material de construção, impacta
diretamente no valor final das prestações e nos dias de hoje o que todos
procuram é redução de custos.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Desta forma, você não deve pagar esse
seguro quando adquirir um financiamento para material de construção e uma vez verificada
a respectiva cobrança, você pode solicitar administrativamente sua retirada,
bem como a devolução dos valores pagos, uma vez que o agente financeiro deve
ter ciência da dispensa desta modalidade de seguro e, portanto, qualquer
cobrança neste sentido é contrária a lei.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Assim, no caso de uma negativa ao
atendimento da solicitação e uma vez esgotada a fase de negociação
administrativa, deve-se imediatamente recorrer ao Poder judiciário, para que a legislação
seja cumprida e o problema solucionado.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Fica a dica e até a próxima.</span></p>
<p align="center" class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-81180055596065218792021-06-25T12:33:00.006-03:002021-06-25T12:33:51.621-03:00Aluguel em alta<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYLJ2uMJGkv6wyonU97EDRMAL8an4PIB5FhkJyIBiu2cvIUDfyP1sTNNPDrdNHGskkDQ4Qk1rmqgBUfEdGJyR0c3-fRI1e1julFpsNoWggEoWlTmkjXZrFDqMURz5dpNMUug-59cb9sLI/s1160/aluguel1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="770" data-original-width="1160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYLJ2uMJGkv6wyonU97EDRMAL8an4PIB5FhkJyIBiu2cvIUDfyP1sTNNPDrdNHGskkDQ4Qk1rmqgBUfEdGJyR0c3-fRI1e1julFpsNoWggEoWlTmkjXZrFDqMURz5dpNMUug-59cb9sLI/s320/aluguel1.jpg" width="320" /></a></div><br /> <!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 3"/>
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<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Quem paga aluguel está vivenciando
uma situação bem inusitada. Os reajustes nos valores dos contratos entre
proprietários e inquilinos estão bem acima do esperado e do praticado nos
últimos anos.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Houve épocas em que o índice que
atualizava os alugueis foi até negativo, hoje em dia o mesmo já acumula uma
alta de mais de 30%.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">O porquê disso tudo reside no fato de
que o IGP-M – Índice Geral de Preço de Mercado - é o índice mestre de reajuste
dos contratos e está impactado com o aumento dos preços das mercadorias.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">No ano passado muitos inquilinos
conseguiram descontos em seus contratos e teve proprietário que nem aplicou o
reajuste anual. Entretanto esse ano e com a necessidade de equalização e
manutenção do equilíbrio econômico do contrato, os donos de imóveis alugados
estão aplicando o percentual na integra.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Pois bem, o fato é que o IGP-M não é um
índice obrigatório, as partes podem fixar de comum acordo, em contrato, outro
índice de reajuste para os alugueis.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">A lei do inquilinato em
seu artigo 18 prevê esta situação:</span></p>
<p style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 4.0cm; margin-right: 42.45pt; margin-top: 0cm; text-align: justify;"><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-bidi-font-style: italic; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">“Art. 18. É lícito às partes fixar, de
comum acordo, novo valor para o aluguel, bem como inserir ou modificar <b>cláusula
de reajuste</b>. ”</span><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Assim, se a própria legislação prevê
essa possibilidade as partes não só podem como devem estabelecer um critério de
negociação e um índice de correção monetária que não traga prejuízos a nenhuma
delas.<span style="mso-spacerun: yes;"> </span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Portanto, na hora de negociar o
reajuste do seu aluguel, converse com o proprietário e exponha a sua situação,
mostrando inclusive que você é um bom pagador, que conserva bem o imóvel, que
tem a pretensão de ficar por um longo período, que respeita as regras do
condomínio, etc.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Por outro lado, você proprietário
visualize que o imóvel alugado é melhor que o imóvel fechado, uma vez que não
pesará sobre seus ombros os custos do condomínio, IPTU, etc.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; line-height: 107%;">Fica a dica e até a próxima.</span></p>
<p></p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-32455539058734401612021-06-17T11:39:00.000-03:002021-06-17T11:39:12.971-03:00Cinco Dicas para reduzir os juros do seu financiamento<p> </p><p> <br /></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUVoRbwXJUXFk6TV8BDgpBDjzPaCumye8RmjvJouNowSleLhahuNnpRdAKF13uzDjTVp7EoyyAtcwAN_YB_cFOvsNVknN6peNRvbO13_XFN_xiwS3ZogEUda3XGOH__cPz6s9q0IfSvxA/s770/redu%25C3%25A7%25C3%25A3o+juros.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="499" data-original-width="770" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUVoRbwXJUXFk6TV8BDgpBDjzPaCumye8RmjvJouNowSleLhahuNnpRdAKF13uzDjTVp7EoyyAtcwAN_YB_cFOvsNVknN6peNRvbO13_XFN_xiwS3ZogEUda3XGOH__cPz6s9q0IfSvxA/s320/redu%25C3%25A7%25C3%25A3o+juros.jpg" width="320" /></a></div><!--[if gte mso 9]><xml>
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<![endif]--><p></p><p>
</p><p class="MsoNormal" style="line-height: normal; margin-bottom: 6.0pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt;">Grande parte dos Brasileiros compra seu imóvel de
forma financiada. Nos últimos meses cresceu o número de financiamentos
imobiliários por conta da redução da taxa de juros.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 6.0pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt;">Entretanto, um ponto de dúvida do consumidor reside no
fato de querer saber como reduzir os juros a serem pagos no financiamento.
Pensando nisso elaboramos essas dicas que irão lhe ajudar.</span></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: 6.0pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt;">Procure financiar
o menor valor possível. Para isso dê uma entrada maior, utilize seu FGTS,
férias, 13º Salário, etc. também não opte em financiar no prazo total, pois
quanto maior o prazo mais juros você pagará para a instituição financeira.</span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: 6.0pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt;">Caso já esteja no
financiamento procure diretamente o gerente habitacional e solicite
administrativamente a redução dos juros fixados no contrato. É possível que o
banco lhe conceda algum benefício apenas com a negociação direta.</span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: 6.0pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt;">Amortizações
extraordinárias. Sempre que possível procure reduzir seu saldo devedor fazendo
amortizações extras durante o prazo de financiamento. Cada amortização
realizada além da mensal irá recalcular o valor da sua prestação, reduzir o
saldo devedor e consequentemente o prazo e os juros a serem pagos.</span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: 6.0pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt;">Portabilidade
bancária. Esta é uma das formas de reduzir as taxas de juros de um contrato de
financiamento imobiliário. Caso a negociação administrativa não dê certo você
tem a opção, por Lei, de migrar seu contrato para outra instituição bancária
com juros mais atrativos. Entretanto, na hora de comparar as condições para a
portabilidade, observe o custo efetivo total que envolverá a operação.</span></p>
<p class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: 6.0pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: 3.0cm;"><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt;">Caso nenhuma das
alternativas anteriores dê certo, é possível fazer a correção do contrato de
financiamento através da justiça. A ação revisional pode ser uma solução para
juros praticados acima dos índices atuais do mercado, como também corrigir
eventuais distorções praticadas no transcorrer do contrato ou índices
utilizados erroneamente.</span></p>
<p class="MsoNormal" style="text-align: justify; text-indent: 4.0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> É isto meus amigos sigam as dicas e
até a próxima.</span></p>
<p><br /> </p>Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-2893999417565545362021-06-07T18:20:00.001-03:002021-06-07T18:20:26.339-03:00Nova pausa ou redução das prestações de financiamento Habitacional<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiH6twpKBPauEDQygBIUpIUwvKvyN0ZMYLxOOugW_fMV04O9GnkuMYuHc9RxtIaTOseAXdroAXYuaRnH0tuaoZd8jULABNPWXnUUK_wFjcfnNbdZ6KbyfS8xIXAmi0MlmZUCqhL5i6Lp7s/s550/contrato+1.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="370" data-original-width="550" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiH6twpKBPauEDQygBIUpIUwvKvyN0ZMYLxOOugW_fMV04O9GnkuMYuHc9RxtIaTOseAXdroAXYuaRnH0tuaoZd8jULABNPWXnUUK_wFjcfnNbdZ6KbyfS8xIXAmi0MlmZUCqhL5i6Lp7s/s320/contrato+1.JPG" width="320" /></a></div><p></p><p><!--[if gte mso 9]><xml>
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</p><p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">A Caixa
Econômica Federal anunciou aos mutuários da habitação, nova pausa ou redução
temporária das prestações do financiamento imobiliário, pelo prazo de até 06
(seis) meses.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">Ano passado
a CEF adotou o sistema de pausa no financiamento e esse ano em razão também da
pandemia e da dificuldade financeira dos brasileiros, a empresa pública decidiu
ofertar a nova modalidade de redução mensal das prestações dos mutuários.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">A redução
temporária foi adotada em percentuais os quais variam de 25% a 74,99% no valor
das prestações do financiamento e deve ser solicitada através do aplicativo Habitação
Caixa.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">Em relação
ao prazo de redução, o mesmo irá variar de acordo com o pedido do mutuário,
caso ele solicite uma redução de apenas 25% o prazo será de 06 meses.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">Já se o
mutuário optar pela redução das prestações para o patamar entre 25% a 74,99% o
prazo é reduzido para 03 meses.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">Existe
também a opção de redução acima de 75% (setenta e cinco por cento), mas, para
que o mutuário possa aproveitar esse “desconto” será necessário apresentar
comprovação através de documentação de que houve perda de renda familiar, para
que a Caixa faça as devidas avaliações.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">A Empresa
pública também anunciou a pausa das prestações do financiamento habitacional. Neste
caso será para os mutuários que estão recebendo auxilio emergência ou
seguro-desemprego e o prazo de suspensão será de 06 (seis) meses.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">Amigos
analisando detidamente as medidas, vê-se que a mesma na verdade tem dois vieses
bem importantes: <b style="mso-bidi-font-weight: normal;"><u>o primeiro</u></b>
reside no <u>ponto de vista social</u>, uma vez que ajuda o trabalhador a não
perder imediatamente o seu imóvel financiado. E <b style="mso-bidi-font-weight: normal;"><u>o segundo</u></b>, do <u>ponto de vista econômico</u>, subdividindo-se
em dois segmentos: um para o mutuário e outro para o banco.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">Para o
mutuário, a curto prazo, o alívio é importante, pois o valor da prestação
poderá ser empregado em alimentação e saúde, por exemplo, que no momento da
pandemia e da crise econômica serão as áreas de maior importância.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">Já para o
banco, em que pese deixar de receber agora a prestação, ele garante o
recebimento dessa parcela até o final do contrato (com os acréscimos legais) e
também evita a imobilização de seu capital com a execução dos contratos
habitacionais e assunção dos encargos do próprio bem (IPTU e condomínio).</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">Entendemos
que a medida é necessária, mas você deve ficar atento e somente solicitar se
realmente estiver precisando, pois, o impulso poderá lhe trazer descontentamentos
ou aborrecimentos futuros, já que serão cobrados os juros e as correções
monetárias do período que se solicitou a pausa ou a redução das prestações.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">Assim, é
extremamente importante que o mutuário compreenda bem a operação que será feita
e tenha a consciência de que não se trata de um perdão de prestações, mas um
adiamento do pagamento nesse momento de dificuldade. </span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;">É necessário
ter em mente que a organização financeira é de extrema importância para que a
questão não se torne uma bola de neve.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: PT-BR; mso-hansi-font-family: Calibri;"> Fica a dica
e até a próxima.</span></p>
Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0tag:blogger.com,1999:blog-3880035882308131432.post-49073238506567658242021-06-07T09:39:00.002-03:002021-06-07T09:39:21.078-03:00Venda ou aluguel de garagem em condomínio<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAd-3MYQO6w7kgJR28kEIvl1rVcoND-sKywpSSUiWZXRcOZkJr_OxgX7bkzgyZdnCtkqzFfnF9fT3002MRwuDP27sg_hdKXVEy7VR2AgyzVRoGuqCDl5qTHHNHz9f8wbzFguuDAbbzw3A/s700/vagas.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="394" data-original-width="700" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAd-3MYQO6w7kgJR28kEIvl1rVcoND-sKywpSSUiWZXRcOZkJr_OxgX7bkzgyZdnCtkqzFfnF9fT3002MRwuDP27sg_hdKXVEy7VR2AgyzVRoGuqCDl5qTHHNHz9f8wbzFguuDAbbzw3A/s320/vagas.jpg" width="320" /></a></div><p></p><p><!--[if gte mso 9]><xml>
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</p><p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="font-size: 12.0pt; line-height: 115%;">Olá amigos, o blog está bombando e com isso recebemos essa semana alguns
questionamentos relativos a vaga de garagem em condomínio. Porém antes de
respondermos as perguntas enviadas, iremos abordar brevemente o tema.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="font-size: 12.0pt; line-height: 115%;">É certo que
as partes suscetíveis de utilização independente tais como: Apartamentos, Escritórios,
Salas, etc; podem ser alienadas ou alugadas livremente por seus proprietários. </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="font-size: 12.0pt; line-height: 115%;"></span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="font-size: 12.0pt; line-height: 115%;">Entretanto esta realidade no tocante aos abrigos para veículos não é mais
a mesma. A Lei 12.607/2010 alterou o § 1º do artigo 1.331 do Código Civil, em
relação ao critério de fixação da fração ideal e as disposições sobre alienação
e locação de abrigos para veículos em condomínios.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="font-size: 12.0pt; line-height: 115%;">A respectiva Lei, preceitua que os abrigos para veículos não poderão ser
alienados ou alugados a pessoas que não sejam do condomínio, exceto se houver
autorização expressa na convenção de condomínio.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="font-size: 12.0pt; line-height: 115%;">Há de se ressaltar que, anteriormente, a legislação previa que se o
condômino tivesse interesse em alugar a sua vaga de garagem, só precisaria dar
o direito de preferência aos demais condôminos, antes de alugar para terceiro
estranhos ao condomínio.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="font-size: 12.0pt; line-height: 115%;">Agora a realidade é outra. Aos condomínios que tiverem interesse em
permitir que os condôminos aluguem suas vagas a terceiros terão que ajustar sua
convenção, bem como seu regimento interno, para que fiquem de acordo com a
legislação.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="font-size: 12.0pt; line-height: 115%;">A atual legislação é bem salutar e só vem a beneficiar o condomínio, o
qual não terá pessoas estranhas circulando pelas áreas comuns do condomínio.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="font-size: 12.0pt; line-height: 115%;">Portanto, senhores síndicos, fiquem atentos a essa situação e analisem se
a convenção condominial está de acordo com legislação vigente.</span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="font-size: 12.0pt; line-height: 115%;">Vamos agora aos questionamentos e suas respostas:</span></p>
<p class="PERGUNTA" style="margin-left: 4.0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 35.4pt; text-indent: 0cm;"><span style="font-family: Wingdings; font-weight: normal; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: PT-BR;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="mso-fareast-language: PT-BR;">Posso
alugar ou vender a minha vaga de garagem?</span></p>
<p class="TEXTO" style="margin-left: 1.0cm; text-indent: 3.0cm;"><span style="mso-fareast-language: PT-BR;">Sim. Desde que seja para pessoas do próprio
condomínio. No entanto aqui vai uma dica importante: nunca venda; se precisar,
alugue-a; porque, em caso de venda futura da unidade habitacional, ficará mais
difícil vender o imóvel sem a vaga de garagem.</span></p>
<p class="PERGUNTA" style="margin-left: 1.0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 35.4pt; text-indent: 3.0cm;"><span style="font-family: Wingdings; font-weight: normal; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: PT-BR;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="mso-fareast-language: PT-BR;">Caso nenhum
condômino deseje alugar ou comprar a vaga de garagem, posso vender ou alugar a
outra pessoa?</span></p>
<p class="MsoListParagraph" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="mso-fareast-language: PT-BR;">O aluguel ou venda das vagas de garagem ou
abrigos para veículos só pode ser para terceiros estranhos ao condomínio
mediante autorização expressa na convenção do condomínio.</span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-fareast-language: PT-BR;"> <br /></span></b></p>
<p class="PERGUNTA" style="margin-left: 1.0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 35.4pt; text-indent: 3.0cm;"><span style="font-family: Wingdings; font-weight: normal; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings; mso-fareast-language: PT-BR;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="mso-fareast-language: PT-BR;">A vaga
de garagem pode ser considerada bem de família?</span></p>
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própria, não se considera bem de família para efeito de penhora. Em relação ao
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</span></p><p class="CITAO" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm;"><span style="font-size: 12.0pt; mso-fareast-language: PT-BR;">Súmula 449 – A Vaga de garagem que possui matrícula
própria no registro de imóveis não constitui bem de família para efeito de
penhora.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="font-size: 12.0pt; line-height: 115%;"><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span><span> </span> <br /></span></p>
<p class="MsoNormal" style="margin-left: 1.0cm; text-align: justify; text-indent: 3.0cm; text-justify: inter-ideograph;"><span style="font-size: 12.0pt; line-height: 115%;">Fica a dica e até a próxima! </span></p>
Anthony Limahttp://www.blogger.com/profile/08458030965466869806noreply@blogger.com0