Resolução do Conselho do Governo n.º 76/2023 de 18 de maio de 2023
Data de publicação | 18 Maio 2023 |
Número da edição | 56 |
Órgão | Presidência do Governo |
Seção | Série 1 |
Face a uma subida generalizada e persistente das taxas juro, que teve início no final de 2022, o Decreto-Lei n.º 80-A/2022, de 25 de novembro, aprovou um conjunto de apoios, de âmbito nacional, destinados aos titulares de crédito à habitação, que visam a flexibilização e renegociação das condições contratuais, através da promoção da concorrência no setor bancário.
No seguimento desta iniciativa, o Governo Regional aprovou, em fevereiro de 2023, uma linha de apoio complementar de bonificação dos juros do crédito à habitação denominada “CREDITHAB”, que visa complementar as medidas nacionais, no caso de empréstimos em que se verifique a ocorrência de uma taxa de esforço significativa.
Esta taxa de esforço significativa, é definida pelo Decreto-Lei n.º 80-A/2022, de 25 de novembro, como superior a 50%, e resulta num conjunto de obrigações de renegociação contratual, por parte dos bancos comerciais. O citado diploma identifica também como agravamento significativo da taxa de juro, sempre que a taxa de esforço ultrapasse 36%, mas apenas no seguimento de um conjunto de pressupostos definido no diploma.
Entretanto, durante o mês de março de 2023, foram aprovadas, pelo Governo da República, novas medidas, agora de natureza pecuniária, tendo sido definido como um dos critérios de acesso às mesmas, a verificação de uma taxa de esforço única superior a 35%, sem pressupostos adicionais relativos à origem do aumento desta taxa.
Deixou, assim, para os efeitos previstos no citado decreto-lei, de ser feita distinção entre a taxa de esforço significativa e a situação de aumento significativo da taxa de juro.
Atenta a natureza pecuniária das medidas nacionais agora implementadas, bem como a simplificação do critério de apuramento dos aumentos relevantes da taxa de esforço, considera o Governo Regional ser oportuno estabelecer o mesmo critério para...
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