Assinei o contrato de financiamento, posso desistir?

105 Comentários / Por /

É comum que sejam firmados contratos de compra e venda juntamente aos de financiamento, porém você sabe quais são as implicações desses contratos, especialmente quando no que se trata do de financiamento? Esse destrinchamento e vários outros serão explicados abaixo!

Contrato de compra e venda e contrato de financiamento: o que são?

O contrato de compra e venda é um documento que firma e formaliza perante os meios judiciais a intenção de compra e posterior posse do imóvel pelo comprador e também a intenção de venda. Porém, caso esse documento não venha a ser registrado em órgão competente, não passará de apenas uma intenção. Com o registro, são delimitados pontos como: valor a ser pago e a forma de pagamento, por exemplo.

Já o contrato de financiamento é um documento que une todas as informações pertinentes a respeito da compra (número de prestações, o valor do recurso que foi liberado para a realização da operação, o detalhamento do investimento, etc.) e que são de extrema importância que sejam conhecidas pelas partes. Assim, enquanto perdurar a vigência do contrato de financiamento, o comprador fica com o bem apenas cedido, seja ele móvel ou imóvel, enquanto a parte financiadora é proprietária, e, após liquidar a dívida, o comprador tem a posse do bem. Esse tipo de contrato de financiamento é chamado também de contrato de compra e venda a prazo com pacto adjeto de alienação fiduciária.

O primeiro, como via de regra, e diante da existência do segundo, é firmado entre o comprador e o vendedor, já o segundo é firmado entre esse mesmo comprador e a instituição que assumirá o compromisso de financiar o pagamento do bem.

O direito de arrependimento e as possibilidade de cancelamento do contrato de financiamento:

O chamado “direito de arrependimento” é, como consta no art. 49 do CDC, a capacidade que o comprador tem de desistir do contrato, no prazo de 7 (sete) dias, a partir de sua assinatura ou do ato de recebimento do produto ou serviço. Entretanto, o artigo apenas prevê esse direito para contratos que sejam firmados fora do estabelecimento comercial, por exemplo, por telefone ou a domicílio. Assim, apesar de essa garantir realmente existir e ser aplicada na prática, é necessário que seja observado se o caso prático em questão se encaixa em todos os requisitos descritos no citado artigo. A seguir, a redação original do artigo:

Art. 49. O consumidor pode desistir do contrato, no prazo de 7 dias a contar de sua assinatura ou do ato de recebimento do produto ou serviço, sempre que a contratação de fornecimento de produtos e serviços ocorrer fora do estabelecimento comercial, especialmente por telefone ou a domicílio.

Parágrafo único. Se o consumidor exercitar o direito de arrependimento previsto neste artigo, os valores eventualmente pagos, a qualquer título, durante o prazo de reflexão, serão devolvidos, de imediato, monetariamente atualizados.

Além disso, o contrato também pode ser cancelado quando percebe-se que existe um vício contratual, ou seja, quando há o descumprimento de alguma cláusula por parte do financiador. Porém, é importante destacar que, mesmo que isso seja percebido pela parte contratante, ela não pode simplesmente cancelar o contrato de ofício, é necessário que meios judiciais sejam acionados.

Uma outra opção é a de que seja feita uma negociação para a entrega amigável do bem. Nessa situação, o financiador, financeira ou banco, recebe o bem e realiza a venda do mesmo para que a dívida feita pelo financiador seja quitada.

Vale ressaltar também que, é sempre necessário estar atento para os reais motivos desse cancelamento, pois as financiadoras irão lutar firmemente para que não saiam no prejuízo diante da situação.

Quais os prazos de cancelamento para os diferentes tipos de financiamento?

Como já explicitado, cada caso deve ser analisado em sua individualidade, mas em linhas gerais tem-se:

  • Para contratos de financiamento imobiliário: é necessário estar atento ao momento em que o processo se encontra. Se esse contrato já tiver sido registrado em um Cartório de Registro de Imóveis, por exemplo, não poderá mais ser cancelado. A exceção para essa situação é quando há o já comentado vício contratual.
    • Como um exemplo prático, pode-se analisar a possibilidade do cancelamento de um financiamento de imóvel do Programa Minha Casa Minha Vida: além de todos os requisitos terem que ser preenchidos, há, nesse caso, uma consequência: quem contratar e cancelar, não poderá tentar esse financiamento novamente.
  • Para contrato de financiamento de veículos: nesse caso, as possibilidades de cancelamento são ainda mais estreitas: apenas é possível o cancelamento do contrato se surgir algum defeito ou vício oculto. Outra alternativa seria a já comentada devolução do bem para que a concessionária faça a posterior venda almejando a liquidação da dívida.
    • Um ponto a ressaltar sobre a situação do cancelamento do financiamento de veículos é a questão do roubo. O que ocorre com a dívida diante dessa situação? Nesse caso, a única opção que resta ao contratante é a tentativa de um acordo com o banco, para que seja negociado o valor que ainda resta do financiamento.
  • Para contrato de financiamento de estudos, o FIES: nesses casos, o contratante deve procurar um agente financeiro, que irá lhe instruir de como deve proceder. Porém, o contratante deve analisar para não sair prejudicado nesse negócio: o pagamento, que deveria ocorrer apenas quando o estudante finalizar a graduação, com o cancelamento a dívida terá de ser quitada logo após a concretização do cancelamento do contrato, mesmo que seja de forma parcelada.

Por fim, ressalta-se a importância de que o contrato sempre seja analisado minuciosamente tanto pelo contratante quanto, se possível, por um advogado da área, para identificação de possíveis cláusulas que não estão sendo efetivamente aplicadas, de cláusulas abusivas, de obrigações das partes que não estão sendo cumpridas, entre diversos outros aspectos mais técnicos.

A DPG Advogados é um escritório especializado em Direito Empresarial, Imobiliário, da Propriedade Intelectual e do Consumidor! Com atendimento 100% digital e sem burocracias, somos o seu jurídico de onde estiver. Clique abaixo para solicitar agora a análise de um especialista sobre seu caso!

Falar com especialista

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