Página principal Literacia Financeira ESPAÇO CONSUMIDOR Espaço consumidor: “Divórcio alteração da titularidade do crédito”

Espaço consumidor: “Divórcio alteração da titularidade do crédito”

23-12-2016

Um consumidor colocou-nos a seguinte questão:

“Divorciei-me e a minha ex-mulher ficou responsável por pagar o crédito à habitação. E se não pagar o que acontece? Não é possível o crédito ficar só em nome dela?”

A DECO informa:

O divórcio é, historicamente,  uma das principais causas de sobre-endividamento nos processo que têm chegado ao GAS/DECO desde o ano 2000.

É habitual dizer-se que quem contrai matrimónio assume responsabilidades conjuntas, “para o bem e para o mal”.

O mesmo se poderá dizer em caso de divórcio.

Quando um casal contrai uma dívida em conjunto está a assumir o compromisso de pagamento das despesas decorrentes desse empréstimo. O facto de se divorciar em nada altera essa circunstância.

Face ao divórcio, cada um dos membros do ex-casal continua a ser responsável pelas dívidas comuns.

Contudo, será possível a exoneração de um dos ex cônjuges em situações específicas desde que haja a concordância do credor depois de realizada uma nova avaliação do risco, mas em regra esta só acontece com um reforço, nomeadamente, com a apresentação de novas  garantias.

Assim, os dois titulares do crédito, mesmo depois do divórcio, podem continuar co-proprietários e devedores e se houver incumprimento contratual, os dois poderão vir a responder pela dívida.

Se, face ao divórcio, o banco aceitar exonerar um dos devedores, não poderá contudo alterar as condições do crédito, nomeadamente ao nível do spread aplicado, desde que a taxa de esforço do agregado familiar do novo titular seja inferior a 55% ou, no caso de existirem dois ou mais dependentes, a 60%. Ou seja, as instituições de crédito estão impedidas de aumentar o spread de contratos de crédito destinados à aquisição ou construção de habitação própria permanente caso a renegociação desse contrato tenha sido motivada por alteração da titularidade do contrato motivada por divórcio e desde que a taxa de esforço respeite os valores previstos na lei.

Em caso de dúvidas, não hesite em contactar-nos, pessoalmente, através do Portal do GAS ou para o seguinte email: gas@deco.pt   ou  gas.norte@deco.pt

 

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