Portaria n.º 211/85, de 17 de Abril de 1985
Portaria n.º 211/85 de 17 de Abril A presente portaria regula as condições dos empréstimos a que se refere o Decreto-Lei n.º 110/85, desta data.
Nestes termos: Manda o Governo da República Portuguesa, pelos Ministros das Finanças e do Plano e do Equipamento Social, ao abrigo do artigo 5.º do Decreto-Lei n.º 110/85, desta data, o seguinte: 1.º O montante dos empréstimos para financiamento da construção das habitações não poderá ser superior ao custo das obras a realizar e dos encargos indirectos, podendo naquele incluir-se os custos das infra-estruturas a construir necessárias ao empreendimento.
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O montante dos empréstimos para financiamento da aquisição das habitações previsto no n.º 3 do artigo 4.º não poderá exceder 80% do valor máximo das habitações, determinado nos termos da Portaria n.º 580/83, de 17 de Maio.
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O prazo de amortização do empréstimo é de 25 anos.
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A taxa de juro contratual é de 13% ao ano, sendo revista, no mesmo sentido e segundo o critério da proporcionalidade, sempre que se verifiquem alterações ascendentes ou descendentes da taxa de juro máxima legal correspondente ao prazo da operação.
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Durante o período da construção não haverá lugar à amortização do capital, sendo os juros devidos liquidados semestralmente.
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O período de construção para os efeitos previstos no número anterior não poderá ultrapassar 30 meses.
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Os pagamentos de reembolso do empréstimo e encargos devidos são feitos em prestações semestrais, determinadas pelo método das taxas equivalentes.
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Para efeito de cálculo das prestações de reembolso, o período de amortização divide-se em...
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