Notícias

Clipping – UOL – CMN regulamenta compartilhamento de alienação fiduciária de bens imóveis

Publicado em 22/07/2020

O Conselho Monetário Nacional (CMN) regulamentou na segunda-feira, 20, em reunião extraordinária, o compartilhamento de alienação fiduciária de bens imóveis previsto na Medida Provisória 992. Na prática a medida possibilita a obtenção de novos empréstimos no montante dos valores já quitados de um financiamento imobiliário. De acordo com o Banco Central, novas operações de crédito contratadas com compartilhamento da alienação fiduciária não poderão ter juros maiores que os do crédito original.

O prazo dos novos contratos também não pode ser superior ao tempo que resta na primeira operação. Além disso, a razão entre o valor nominal das obrigações garantidas e o valor do imóvel usado deverá observar os limites que já eram aplicados à operação original. Adicionalmente, a regulamentação aprovada pelo CMN estabelece que a razão entre o valor nominal das obrigações garantidas e o valor do imóvel dado em garantia deverá observar o limite regulamentar aplicável à operação de crédito originalmente contratada.

Os empréstimos para famílias e empresas com garantia pela alienação de bens móveis poderão ser usados pelos bancos para cumprir o direcionamento dos depósitos de poupança. Segundo o BC, permanece inalterado, no entanto, o porcentual mínimo a ser obrigatoriamente destinado a operações de financiamento habitacional.

“Espera-se que a regulamentação contribua para estimular o mercado de crédito e para atenuar as repercussões sobre a atividade econômica decorrentes da pandemia do novo coronavírus (Covid-19), objetivos perseguidos com a edição da MP 992, preservando-se, ao mesmo tempo, a estabilidade e a solidez do Sistema Financeiro Nacional”, acrescentou a autoridade monetária, em nota.

O BC lembrou ainda que a medida tem caráter permanente, ou seja, não se encerrará com o fim da pandemia. Por isso, a instituição espera efeitos positivos no mercado de crédito também no médio e no longo prazo.

Fonte: UOL

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