Despacho n.º 2874/2001(2ªSérie), de 10 de Fevereiro de 2001
Decreto-Lei n.º 45/2001 de 10 de Fevereiro A concessão de crédito à habitação rege-se actualmente pelo Decreto-Lei n.º 349/98, de 11 de Novembro, com as alterações introduzidas pelo Decreto-Lei n.º 137-B/99, de 22 de Abril, e legislação complementar.
A importância de que o referido regime se reveste para a economia e melhoria das condições de vida das famílias portuguesas e o significativo esforço financeiro suportado pelo Estado, traduzido na concessão de bonificações, levou à necessidade de, no âmbito daqueles diplomas, redefinir alguns aspectos da disciplina da concessão de crédito para habitação, em especial no que respeita às condições de acesso e âmbito dos regimes de crédito bonificado, tendo em atenção a necessidade de, por um lado, contribuir para a redução do endividamento excessivo das famílias e, por outro, consolidar mecanismos tendentes a assegurar uma maior moralização e transparência num funcionamento concorrencial do mercado do sector.
Nesse âmbito procedeu-se, designadamente, à previsão no Decreto-Lei n.º 349/98 de isenções emolumentares, a título transitório, nas operações de mudança de regime de crédito e de instituição de crédito, quer isoladamente quer em simultâneo, facultando-se aos mutuários a possibilidade de renegociação dos seus contratos de empréstimo em ordem a, no novo contexto de mercado, poderem obter condições de credito mais vantajosas.
Essas razões, que presidiram já entretanto à prorrogação do referido regime transitório até 31 de Dezembro de 2000, continuam na actual conjuntura económico-financeira a manter toda a actualidade, termos em que se consagra no presente diploma um novo regime especial de isenção emolumentar.
Assim: Nos termos da alínea a) do n.º 1 do artigo 198.º da Constituição, o Governo decreta, para valer como lei geral da República, o seguinte: Artigo 1.º Isenção emolumentar 1 - De 1 de Janeiro a 31 de Dezembro de 2001 ficam isentos de quaisquer taxas ou emolumentos todos os actos notariais e registrais decorrentes, quer da mudança de regime de crédito, quer de instituição de crédito mutuante, quer ainda de mudança simultânea de regime e de instituição de crédito...
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