{"id":26014,"date":"2023-06-04T08:14:56","date_gmt":"2023-06-04T06:14:56","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=26014"},"modified":"2026-02-19T14:56:23","modified_gmt":"2026-02-19T13:56:23","slug":"o-que-e-a-garantia-hipotecaria-e-qual-a-sua-importancia","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/pt-pt\/2023\/06\/04\/o-que-e-a-garantia-hipotecaria-e-qual-a-sua-importancia\/","title":{"rendered":"Tudo sobre empr\u00e9stimos garantidos por hipoteca"},"content":{"rendered":"\t\t
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J\u00e1 fal\u00e1mos no blogue sobre a import\u00e2ncia de r\u00e1cios como o r\u00e1cio empr\u00e9stimo\/valor ou o r\u00e1cio empr\u00e9stimo\/custo<\/a> no crowdlending imobili\u00e1rio. A ideia subjacente a estes r\u00e1cios \u00e9 medir o risco de um empr\u00e9stimo. Algo muito \u00fatil para saber n\u00e3o s\u00f3 se vale a pena financiar uma opera\u00e7\u00e3o, mas tamb\u00e9m que juros exigir em troca: quanto maior o risco, maior o risco.<\/p>

O que \u00e9 a garantia hipotec\u00e1ria?<\/h2>

Tipos de garantia hipotec\u00e1ria<\/h3>

As garantias s\u00e3o mais um passo no processo de cuidar de si pr\u00f3prio. Normalmente, o mutu\u00e1rio \u00e9 respons\u00e1vel com todos os seus activos – presentes e futuros – pelo cumprimento da sua obriga\u00e7\u00e3o. Mas, por vezes, o credor – aquele que concede o empr\u00e9stimo – pode exigir algo mais do que a solvabilidade. As garantias s\u00e3o exatamente isso: mecanismos que garantem que o credor poder\u00e1 recuperar o seu dinheiro.<\/p>

Garantias pessoais<\/h3>

Existem dois tipos principais de garantias: as pessoais e as reais.<\/strong> As primeiras envolvem um terceiro: estabelece-se que outra pessoa assumir\u00e1 a d\u00edvida no caso de o devedor n\u00e3o o poder fazer. As garantias reais s\u00e3o assim chamadas porque est\u00e3o ligadas a um bem real e tang\u00edvel que pode ser executado. Por outras palavras, estabelecem que quem depositar o dinheiro ficar\u00e1 com um bem se o mutu\u00e1rio n\u00e3o puder pagar. O aspeto real tamb\u00e9m tem a ver com a sua efic\u00e1cia, que n\u00e3o est\u00e1 sujeita a batalhas legais, por assim dizer.<\/p>

Dentro destes direitos de garantia, existem v\u00e1rios tipos. Alguns dos mais comuns s\u00e3o o penhor e a hipoteca – de que vamos falar neste artigo -. Existem duas diferen\u00e7as principais entre o penhor e a hipoteca. A primeira \u00e9 que, no penhor, \u00e9 um bem m\u00f3vel que \u00e9 dado como garantia:<\/strong> um autom\u00f3vel, uma mercadoria, t\u00edtulos de cr\u00e9dito, etc. Al\u00e9m disso, com o penhor, a propriedade \u00e9 transferida: o credor \u00e9 o novo propriet\u00e1rio do bem utilizado como garantia.<\/p>

Os alcances da garantia hipotec\u00e1ria<\/h2>

A hipoteca \u00e9 talvez a forma mais comum de garantia. Num empr\u00e9stimo garantido por uma hipoteca – uma forma cl\u00e1ssica de crowdlending imobili\u00e1rio<\/a> – o mutu\u00e1rio oferece um im\u00f3vel como garantia. Se n\u00e3o pagar atempadamente, o mutuante pode ficar com esse bem.<\/strong> Ao contr\u00e1rio de um penhor, os activos s\u00e3o bens im\u00f3veis. E a propriedade da garantia permanece com o mutu\u00e1rio.<\/p>

O padr\u00e3o de ouro das garantias imobili\u00e1rias \u00e9 a garantia hipotec\u00e1ria de primeira categoria. Esta garantia \u00e9 a que descrevemos: em caso de incumprimento de pagamento por parte do cliente, o financiador pode executar a hipoteca e ficar com o im\u00f3vel em causa. \u00c9, de facto, o que acontece com os empr\u00e9stimos hipotec\u00e1rios para a compra de casa.<\/strong> Normalmente, o banco empresta-lhe at\u00e9 80% do valor da casa (ou seja, um loan-to-value<\/a> de 80%) e, se as coisas correrem mal, fica com o im\u00f3vel.<\/p>

O primeiro escal\u00e3o ou primeiro grau tem a ver com a ordem de cobran\u00e7a: n\u00e3o h\u00e1 mais ningu\u00e9m em primeiro lugar. O contraste com uma hipoteca de segundo grau \u00e9 evidente. Neste caso, j\u00e1 existe uma hipoteca sobre o im\u00f3vel, pelo que a nova hipoteca est\u00e1 subordinada \u00e0 primeira. Em caso de incumprimento, o credor da hipoteca de primeira ordem tem o primeiro direito de recusa de execu\u00e7\u00e3o e de recuperar o dinheiro emprestado antes de qualquer outro credor com uma hipoteca de ordem inferior.<\/p>

Um projeto<\/a> de d\u00edvida (crowdlending imobili\u00e1rio) que tenha como garantia uma hipoteca de primeira ordem proporciona uma certa tranquilidade. Mas, quando se investe, \u00e9 necess\u00e1rio examinar sempre as condi\u00e7\u00f5es em pormenor<\/strong> e, sobretudo, compreender o que tem de acontecer para ganhar dinheiro\u2026 e o que pode acontecer para reduzir o rendimento esperado ou mesmo perder dinheiro. Se algo n\u00e3o estiver claro para si, pergunte! Na Urbanitae, teremos todo o gosto em ajud\u00e1-lo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

No financiamento imobili\u00e1rio, a constitui\u00e7\u00e3o de garantias para assegurar o reembolso \u00e9 fundamental<\/p>\n","protected":false},"author":1,"featured_media":37419,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[853],"tags":[1918,1003,854],"class_list":["post-26014","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aprenda-a-investir","tag-aprender","tag-crowdlending-pt-pt","tag-educacao-financeira"],"yoast_head":"\nTudo sobre empr\u00e9stimos garantidos por hipoteca - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"O que acontece se um empr\u00e9stimo correr mal? As garantias, como a garantia hipotec\u00e1ria, asseguram que o mutuante poder\u00e1 recuperar o dinheiro. 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