{"id":16029,"date":"2023-10-08T17:02:20","date_gmt":"2023-10-08T15:02:20","guid":{"rendered":"https:\/\/lica.ch\/?p=16029"},"modified":"2025-11-16T12:13:24","modified_gmt":"2025-11-16T10:13:24","slug":"o-que-acontece-com-um-credito-pessoal-apos-o-divorcio","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/credit-personnel\/que-se-passe-t-il-avec-un-credit-prive-apres-le-divorce\/","title":{"rendered":"O que acontece com um cr\u00e9dito pessoal ap\u00f3s o div\u00f3rcio?"},"content":{"rendered":"

Quando se est\u00e1 numa rela\u00e7\u00e3o, \u00e9 bastante comum contrair um empr\u00e9stimo para financiar determinados projectos. Quer se trate de comprar um carro<\/a>, Se quisesse comprar uma casa, mobili\u00e1rio ou financiar qualquer outra necessidade que pudesse ter tido com o seu ex-c\u00f4njuge, o cr\u00e9dito era a solu\u00e7\u00e3o adequada na altura. Atualmente, a situa\u00e7\u00e3o j\u00e1 n\u00e3o \u00e9 a mesma! Pergunta-se o que acontecer\u00e1 ao seu cr\u00e9dito privado ap\u00f3s o div\u00f3rcio? Quem herdar\u00e1 os pagamentos mensais? \u00c9 poss\u00edvel? reembolsar ou recomprar<\/a> o seu cr\u00e9dito ao credor? Neste novo artigo, saiba como proceder com o seu cr\u00e9dito privado ap\u00f3s o div\u00f3rcio.<\/p>\n\n\n\n

Quando n\u00e3o existe responsabilidade solid\u00e1ria<\/h2>\n\n\n\n

Para determinar qual dos c\u00f4njuges vai pagar o restante do montante total do empr\u00e9stimo, \u00e9 necess\u00e1rio questionar os termos do seu contrato de empr\u00e9stimo. Se n\u00e3o houver uma cl\u00e1usula clara de responsabilidade solid\u00e1ria (co-mutu\u00e1rio), ent\u00e3o o mutu\u00e1rio \u00e9 o \u00fanico respons\u00e1vel pelo empr\u00e9stimo privado ap\u00f3s o div\u00f3rcio!<\/p>\n\n\n\n

O mutu\u00e1rio \u00e9 o \u00fanico respons\u00e1vel pelo cr\u00e9dito privado ap\u00f3s o div\u00f3rcio<\/h3>\n\n\n\n

Em caso de div\u00f3rcio ou separa\u00e7\u00e3o, s\u00f3 a pessoa que contraiu o empr\u00e9stimo privado \u00e9 respons\u00e1vel. O que faz sentido: o c\u00f4njuge n\u00e3o tem qualquer papel a desempenhar aquando da assinatura do contrato. Com efeito, o seu nome n\u00e3o consta do contrato de empr\u00e9stimo. Assim, mesmo que seja casado, o seu parceiro n\u00e3o tem automaticamente o estatuto de co-mutu\u00e1rio.<\/p>\n\n\n\n

O seu c\u00f4njuge melhorou a sua solv\u00eancia...<\/h3>\n\n\n\n

Por outro lado, estar num casal melhora a sua solv\u00eancia<\/a> se pretender contrair um empr\u00e9stimo junto de um organismo de cr\u00e9dito. No caso do cr\u00e9dito ao consumo, o mutuante efectua o chamado controlo de solvabilidade. Isto significa que as institui\u00e7\u00f5es financeiras avaliar\u00e3o a capacidade do mutu\u00e1rio para reembolsar o empr\u00e9stimo.<\/p>\n\n\n\n

\u00c9 evidente que o facto de ter um c\u00f4njuge trabalhador aumenta as suas hip\u00f3teses de convencer um banco a conceder-lhe um cr\u00e9dito privado. Por conseguinte, \u00e9 bem poss\u00edvel que o seu pedido de cr\u00e9dito privado mencione o nome do seu c\u00f4njuge e que os documentos comprovativos relativos a ele tenham de ser apresentados aquando do pedido de empr\u00e9stimo. No entanto, este facto n\u00e3o o torna co-mutu\u00e1rio e, por conseguinte, n\u00e3o o obriga necessariamente a reembolsar o cr\u00e9dito privado ap\u00f3s o div\u00f3rcio.<\/p>\n\n\n\n

Se os c\u00f4njuges forem conjunta e solidariamente respons\u00e1veis<\/h2>\n\n\n\n

Nalguns casos, os c\u00f4njuges podem ser co-mutu\u00e1rios de um contrato de cr\u00e9dito. A \u00fanica condi\u00e7\u00e3o \u00e9 que o contrato de cr\u00e9dito o estipule claramente!<\/p>\n\n\n\n

Os c\u00f4njuges s\u00e3o mutu\u00e1rios conjuntos<\/h3>\n\n\n\n

Se ambos os vossos nomes aparecerem como co-mutu\u00e1rios no o contrato de empr\u00e9stimo<\/a>, Ap\u00f3s o div\u00f3rcio, ser\u00e3o ambos solidariamente respons\u00e1veis pelo reembolso do vosso cr\u00e9dito privado. De facto, muitos casais n\u00e3o se divorciam devido ao custo total das suas d\u00edvidas conjuntas. <\/p>\n\n\n\n

No entanto, um co-mutu\u00e1rio pode solicitar, com o acordo do seu ex-c\u00f4njuge, que reembolse sozinho o empr\u00e9stimo privado. No entanto, a institui\u00e7\u00e3o de cr\u00e9dito pode recusar este pedido, em fun\u00e7\u00e3o da situa\u00e7\u00e3o financeira do futuro mutu\u00e1rio.<\/p>\n\n\n\n

E o regime matrimonial?<\/h2>\n\n\n\n

At\u00e9 aqui, a situa\u00e7\u00e3o \u00e9 bastante simples! Em princ\u00edpio, trata-se de um mutu\u00e1rio \u00fanico e, por conseguinte, de uma \u00fanica pessoa que reembolsa o empr\u00e9stimo privado ap\u00f3s o div\u00f3rcio. Se, pelo contr\u00e1rio, for um co-mutu\u00e1rio, ser\u00e3o dois a pagar o empr\u00e9stimo. No entanto, nesta fase, a informa\u00e7\u00e3o ainda n\u00e3o est\u00e1 completa! Contrariamente ao que pode ler em certos blogues, o seu estado civil tamb\u00e9m ter\u00e1 um impacto no reembolso do seu cr\u00e9dito pessoal.<\/p>\n\n\n\n

Participation aux acqu\u00eats e regime de separa\u00e7\u00e3o de bens<\/h3>\n\n\n\n

Na grande maioria dos casos, casou-se sob o regime de participa\u00e7\u00e3o nos concursos<\/a>. Se este for tamb\u00e9m o seu caso, aplicam-se as nossas explica\u00e7\u00f5es anteriores, pelo que pode saltar este par\u00e1grafo. O mesmo se aplica \u00e0s pessoas casadas ao abrigo de o regime de separa\u00e7\u00e3o de bens <\/a>! <\/p>\n\n\n\n

No regime matrimonial de comunh\u00e3o de bens, o cr\u00e9dito privado ap\u00f3s o div\u00f3rcio pode ser dividido da seguinte forma<\/h3>\n\n\n\n

Abaixo de o regime de comunh\u00e3o de bens<\/a>, Em caso de div\u00f3rcio, os c\u00f4njuges s\u00e3o conjunta e solidariamente respons\u00e1veis por todas as d\u00edvidas contra\u00eddas. Isto aplica-se a ambos os c\u00f4njuges at\u00e9 ao dia do div\u00f3rcio. \u00c9 o chamado princ\u00edpio da responsabilidade solid\u00e1ria. Se for este o seu caso, \u00e9 muito prov\u00e1vel que o juiz decida diferir uma parte igual da sua d\u00edvida para o seu c\u00f4njuge. Esta reparti\u00e7\u00e3o traduzir-se-\u00e1, na maior parte das vezes, por uma redu\u00e7\u00e3o do benef\u00edcio conjugal obtido por uma ou outra das partes. Por outras palavras, o cr\u00e9dito n\u00e3o ser\u00e1 contratualmente reduzido a metade, mas no final ter\u00e1 reembolsado uma parte igual da d\u00edvida com base nos c\u00e1lculos efectuados aquando da liquida\u00e7\u00e3o do regime matrimonial.<\/p>\n\n\n\n

A nossa conclus\u00e3o sobre o cr\u00e9dito privado ap\u00f3s o div\u00f3rcio<\/h2>\n\n\n\n

Infelizmente, o div\u00f3rcio \u00e9 muitas vezes uma prova\u00e7\u00e3o dolorosa para ambas as partes. Quando os problemas financeiros se juntam \u00e0 mistura, a comunica\u00e7\u00e3o torna-se muito complicada! Nesta situa\u00e7\u00e3o, os ditados \u00abUm homem bem informado vale por dois\u00bb e \u00ab\u00c9s sempre mais esperto depois\u00bb prestam-se particularmente bem aos conselhos que se seguem. <\/p>\n\n\n\n

Alguns conselhos para evitar complica\u00e7\u00f5es...<\/h3>\n\n\n\n

Para evitar este tipo de complica\u00e7\u00f5es, \u00e9 sempre melhor prever o pior antes de contrair um contrato de cr\u00e9dito privado, e tamb\u00e9m antes de casar! Se as coisas estiverem bem definidas de antem\u00e3o, \u00e9 poss\u00edvel evitar complica\u00e7\u00f5es mais tarde. <\/p>\n\n\n\n

No caso de contrair um empr\u00e9stimo privado<\/a>, \u00c9 sempre poss\u00edvel implementar as seguintes ac\u00e7\u00f5es em paralelo um IOU<\/a> entre os c\u00f4njuges. Tamb\u00e9m \u00e9 poss\u00edvel contrair dois empr\u00e9stimos mais pequenos em nome de cada c\u00f4njuge. Em vez de apenas um em nome da mesma pessoa.<\/p>\n\n\n\n

Agora que j\u00e1 sabe todas as informa\u00e7\u00f5es sobre o seu cr\u00e9dito privado ap\u00f3s o div\u00f3rcio, aproveite para pedir aos nossos especialistas a melhor solu\u00e7\u00e3o. Pode sempre contar com a ajuda confidencial da Lica. <\/p>","protected":false},"excerpt":{"rendered":"

Lorsque nous sommes en couple, il est assez fr\u00e9quent d’effectuer un emprunt pour financer certains projets. En effet, qu’il s’agisse d’acheter une voiture, du mobilier ou de financer tout autre besoin que vous auriez eu avec votre ex-conjoint, le cr\u00e9dit s’\u00e9tait av\u00e9r\u00e9 \u00eatre la bonne solution \u00e0 ce moment-l\u00e0. Aujourd’hui, la situation n’est plus la […]<\/p>\n","protected":false},"author":8,"featured_media":27892,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-16029","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-personnel"],"_yoast_wpseo_focuskw":"Cr\u00e9dit priv\u00e9 apr\u00e8s le divorce","_yoast_wpseo_title":"Cr\u00e9dit priv\u00e9 apr\u00e8s le divorce - Qui doit rembourser ?","_yoast_wpseo_metadesc":"Un cr\u00e9dit priv\u00e9 apr\u00e8s le divorce peut selon le cas \u00eatre rembours\u00e9 par l'un ou l'autre des conjoints. Lica vous explique tout dans cet article.","yoast_head":"\nCr\u00e9dit priv\u00e9 apr\u00e8s le divorce - Qui doit rembourser ?<\/title>\n<meta name=\"description\" content=\"Un cr\u00e9dit priv\u00e9 apr\u00e8s le divorce peut selon le cas \u00eatre rembours\u00e9 par l'un ou l'autre des conjoints. Lica vous explique tout dans cet article.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal\/o-que-acontece-com-um-credito-pessoal-apos-o-divorcio\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dit priv\u00e9 apr\u00e8s le divorce - Qui doit rembourser ?\" \/>\n<meta property=\"og:description\" content=\"Un cr\u00e9dit priv\u00e9 apr\u00e8s le divorce peut selon le cas \u00eatre rembours\u00e9 par l'un ou l'autre des conjoints. 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