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Related Pages
Fim das moratórias – Como os bancos têm de atuar para prevenir incumprimentos
As moratórias de crédito, criadas em março de 2020 para proteger as famílias e empresas mais atingidas pelos efeitos da pandemia da COVID-19, estão a terminar. Mas o fim destas medidas não deixa os clientes bancários entregues a si próprios. Os bancos estão obrigados a prestar uma atenção particular a estes casos.
Para prevenir que os clientes com moratórias entrem em incumprimento nos seus créditos, foram aprovadas novas regras que exigem um acompanhamento especial dos bancos aos clientes que beneficiam destas medidas:
- Nos 30 dias antes do fim da moratória pública, os bancos passam a estar obrigados a fazer uma avaliação cuidadosa da situação dos clientes que beneficiam deste regime;
- Nos 15 dias anteriores ao fim da moratória, se forem identificados indícios de risco de incumprimento e se o cliente tiver capacidade financeira, os bancos têm de apresentar propostas adequadas à situação financeira, objetivos e necessidades dos clientes com a preocupação de evitar o incumprimento;
- Estas propostas não podem implicar um agravamento da taxa de juro acordada inicialmente.
Com a imposição destas diligências, procurou-se garantir uma proteção adicional aos clientes bancários que beneficiam de moratórias.
Mas há ainda novas regras para os clientes que deixem de conseguir pagar as prestações do crédito após saírem da moratória pública:
- Nos 90 dias após o fim da moratória, caso tal aconteça e o cliente seja integrado no procedimento extrajudicial de regularização de situações de incumprimento (PERSI), o banco não pode pôr fim às garantias associadas ao empréstimo, alegando falta de colaboração do cliente ou invocando a sua incapacidade para pagar o crédito;
- Também nestas situações, as propostas que os bancos apresentarem ao cliente não podem implicar um agravamento da taxa de juro acordada inicialmente.
As novas regras de prevenção e gestão do incumprimento de contratos de crédito obrigam as instituições financeiras a prestar uma atenção particular aos clientes que recorreram às moratórias. Se ainda beneficia deste regime já sabe o que esperar do seu banco.
Para obter mais informação sobre a prevenção e gestão do incumprimento de contratos de crédito, consulte o Portal do Cliente Bancário, em clientebancario.bportugal.pt.