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Negócios March 13 2015

João Santos Carvalho, Advogado da SRS Advogados, analisa aplicação de Euribor negativas nos empréstimos

João Santos Carvalho, Advogado da SRS Advogados, analisa aplicação de Euribor negativas nos empréstimos João Santos Carvalho, Advogado da SRS Advogados, analisa aplicação de Euribor negativas nos empréstimos

"Deve haver um cálculo da taxa de forma global", diz João Santos Carvalho. Considerando o cálculo de forma global, "e se o resultado for uma taxa negativa mais o 'spread', parece-me que há argumentos fortes para se aplicar um desconto na taxa total", remata o advogado do departamento de Mercados Financeiros da SRS Advogados.

Se aplicar um desconto à taxa global em resultado de um indexante negativo é difícil de contra-argumentar por parte dos bancos, já um resultado negativo nessa mesma taxa global complexifica a leitura. "Se a taxa utilizada como indexante for mais negativa do que o 'spread' e o resultado da taxa global for negativo pode aplicar-se o mesmo raciocínio, mas parece-me difícil defender que o banco tenha de pagar", diz João Santos Carvalho.

Num cenário destes, que não parece plausível tendo em conta que seria necessário que a média das Euribor fosse bem mais negativa, o poder dos clientes perante os bancos esbarra na "natureza daquilo que é assumido: há um devedor que tem de pagar ao banco", acrescenta o advogado da SRS Advogados.

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