{"id":4146,"date":"2022-06-22T13:32:22","date_gmt":"2022-06-22T13:32:22","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&p=4146"},"modified":"2025-06-24T15:01:11","modified_gmt":"2025-06-24T15:01:11","slug":"investimento-imobiliario-no-reino-unido-por-iranianos","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/investimento-imobiliario-no-reino-unido-por-iranianos\/","title":{"rendered":"Investimento imobili\u00e1rio no Reino Unido por parte de iranianos"},"content":{"rendered":"

Investimento imobili\u00e1rio no Reino Unido por parte de iranianos<\/a><\/strong><\/p>\n\n\n\n

London is home to a large Iranian community, and investment in UK properties has historically been one of the safest ways to secure assets. Therefore, after the lifting of secondary US sanctions in January 2016, Iranians were expected to become major investors in London\u2019s residencial<\/a> property market.<\/p>\n\n\n\n

\u2018O levantamento das san\u00e7\u00f5es contra o Ir\u00e3o poder\u00e1 resultar num investimento de 6 mil milh\u00f5es de libras em im\u00f3veis no estrangeiro nos pr\u00f3ximos 5 a 10 anos, de acordo com um novo estudo da\u00bb Rokstone<\/a> <\/em><\/strong>e Riqueza do Novo Mundo<\/a><\/em><\/strong>,\u2019, noticiou o Ham High. 1 Chegou mesmo a ser defendido que \u2018os iranianos poderiam salvar o mercado imobili\u00e1rio de luxo de Londres\u2019. 2 No entanto, esta expectativa n\u00e3o se concretizou devido a um grande obst\u00e1culo para os investidores iranianos: a transfer\u00eancia dos seus fundos leg\u00edtimos do Ir\u00e3o para o Reino Unido para a compra.<\/p>\n\n\n\n

Processo de transfer\u00eancia de propriedade<\/strong><\/p>\n\n\n\n

Normally, the process of purchasing a property begins with estate agents. These agents introduce a buyer to a property which the buyer can consider. Should the buyer decide to proceed with the purchase, (s)he vontade<\/a> make an offer. Thereafter, if the seller accepts the offer, the conveyancing process begins and each party instructs a solicitor to see that process through.<\/p>\n\n\n\n

At the time of purchase, most buyers have access to the whole of their funds and it is a assunto<\/a> of a simple bank transfer to pay for the property. However, for Iranians, in most cases, the funds are in Iran and they need to transfer their funds from Iran to the UK and there is no direct banking relationship between Iran and the UK. This is an added complication for Iranian investors.<\/p>\n\n\n\n

M\u00e9todo de transfer\u00eancia de fundos para investidores iranianos<\/strong><\/p>\n\n\n\n

There is no law that prohibits British banks from working with Iran and facilitating Iran-related transfers. In fact, many British officials have encouraged the reinstatement of UK-Iran banking relationship and the Bank of England<\/a> reactivated licenses for UK-based Iranian banks in London in January 2016. 3 However, nearly two years later, no direct banking channels (SWIFT) exist between Iran and UK, and British banks do not welcome Iran-related funds for two main reasons.<\/p>\n\n\n\n

First, while secondary US sanctions on Iran were lifted in January 2016, primary US sanctions on Iran remain in place and many British banks have ties to the United States. Therefore, they need extremely detailed and costly compliance plans to facilitate Iran-related transactions in order to avoid heavy US penalties. As a result, many British banks have made a business<\/a> decision that it is more profitable for them avoid Iran-related funds.<\/p>\n\n\n\n

Em segundo lugar, o sistema banc\u00e1rio iraniano est\u00e1 a recuperar de san\u00e7\u00f5es devastadoras e ainda n\u00e3o \u2018cumpre as normas banc\u00e1rias internacionais\u2019. 4 Por conseguinte, a maioria dos bancos brit\u00e2nicos considera os bancos iranianos como parceiros de alto risco que ainda n\u00e3o est\u00e3o preparados para estabelecer uma rela\u00e7\u00e3o banc\u00e1ria.<\/p>\n\n\n\n

Consequentemente, os iranianos n\u00e3o disp\u00f5em de op\u00e7\u00f5es banc\u00e1rias diretas para transferir os seus fundos do Ir\u00e3o para o Reino Unido com vista \u00e0 aquisi\u00e7\u00e3o de im\u00f3veis brit\u00e2nicos, sendo obrigados a recorrer a empresas de c\u00e2mbio. As empresas de c\u00e2mbio disp\u00f5em normalmente de moeda em ambos os lados da transa\u00e7\u00e3o, ou seja, no Ir\u00e3o e no Reino Unido. Por conseguinte, recebem riais (moeda iraniana) no Ir\u00e3o e depositam libras na conta banc\u00e1ria brit\u00e2nica em quest\u00e3o. Na maioria dos casos, o dep\u00f3sito de libras \u00e9 efetuado numa conta banc\u00e1ria no Reino Unido atrav\u00e9s de v\u00e1rios pagamentos em dinheiro e de terceiros. Esta situa\u00e7\u00e3o \u00e9 considerada suspeita pelos bancos e resulta frequentemente no congelamento ou encerramento da conta banc\u00e1ria no Reino Unido. Restri\u00e7\u00f5es e encerramentos de contas banc\u00e1rias Os dep\u00f3sitos em dinheiro e de terceiros numa conta constituem um bom motivo para os bancos reverem a conta e solicitarem uma explica\u00e7\u00e3o. Caso um banco n\u00e3o realize uma investiga\u00e7\u00e3o adequada ou ignore a explica\u00e7\u00e3o e proceda ao encerramento de uma conta apenas pelo facto de esta ter recebido fundos relacionados com o Ir\u00e3o, poder\u00e1 estar a agir de forma discriminat\u00f3ria. Na maioria dos casos, os investidores iranianos disp\u00f5em de documenta\u00e7\u00e3o completa e clara sobre a origem dos fundos e podem explicar a atividade da sua conta.<\/p>\n\n\n\n

Se o banco agir de forma discriminat\u00f3ria, atrav\u00e9s de uma a\u00e7\u00e3o judicial, podemos reativar a sua conta banc\u00e1ria e reclamar, em seu nome, uma indemniza\u00e7\u00e3o por danos morais e custas judiciais. Na maioria dos casos, isto \u00e9 conseguido antes de se dar in\u00edcio a um processo judicial, uma vez que a maioria dos bancos n\u00e3o quer a publicidade que adv\u00e9m de ser alvo de uma queixa por discrimina\u00e7\u00e3o racial.<\/p>\n\n\n\n

Dicas \u00fateis<\/strong><\/p>\n\n\n\n

Enquanto se prepara para adquirir um im\u00f3vel, pode seguir os passos abaixo para minimizar o risco de complica\u00e7\u00f5es banc\u00e1rias:<\/p>\n\n\n\n

1. Recorra a uma empresa de c\u00e2mbio autorizada sediada no Reino Unido para facilitar as suas transfer\u00eancias de dinheiro.<\/p>\n\n\n\n

These companies can receive rials from you in Iran and then deposit pound into your UK bank account from their UK business account. Therefore, you can avoid multiple cash and third party payments into your UK bank account. It is not illegal<\/a> to receive funds in this way but it triggers a review of your account and can lead to your account being closed or restricted. In addition, if the third party sender of the funds has complicated legal issues, you can be dragged into them.<\/p>\n\n\n\n

If you need a list of UK-based money exchange companies, please contact<\/a> our Iran Desk.<\/p>\n\n\n\n

2. Prepare toda a documenta\u00e7\u00e3o relativa \u00e0 sua origem de fundos.<\/p>\n\n\n\n

Regardless of the method of transfer, you should have complete documentation to prove your source of funds such as a translated sales contract, tax returns, or rental agreements<\/a>. If you are unsure of what documents<\/a> you need to prepare, please contact our Iran Desk and we will be happy to guide you.<\/p>\n\n\n\n

3. Notify your bank in advance about<\/a> any expected sudden increases or decreases in your account balance.<\/p>\n\n\n\n

Os bancos costumam monitorizar as contas para detetar aumentos e diminui\u00e7\u00f5es repentinas no saldo e podem restringir uma conta ou transa\u00e7\u00e3o quando isso acontece. Por conseguinte, se previr receber ou efetuar uma transa\u00e7\u00e3o de montante elevado, deve notificar o seu banco por escrito com anteced\u00eancia.<\/p>\n\n\n\n

4. Tenha sempre duas contas banc\u00e1rias.<\/p>\n\n\n\n

This will allow you to manage your finances if one account is suddenly restricted. The downside is that you are likely to recover less compensation for your injury to feelings since you will be less stressed and anxious but this will allow you to pay your bills and continue your life<\/a> in the meantime.<\/p>\n\n\n\n

5. Contacte-nos imediatamente caso o banco fa\u00e7a alguma consulta relativa \u00e0 sua conta, a restrinja ou a encerre.<\/p>\n\n\n\n

\u00c9 importante que forne\u00e7a respostas corretas e claras ao banco para evitar quaisquer problemas com a sua conta. Por isso, deve certificar-se de que disp\u00f5e da documenta\u00e7\u00e3o correta relativa \u00e0 origem dos fundos e, quanto mais cedo contactar a nossa empresa, melhor poderemos ajud\u00e1-lo. Assim, aconselhamos que contacte o nosso Departamento do Ir\u00e3o sem demora.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Aviso legal<\/strong><\/p>\n\n\n\n

This article provides only general information and does not constitute legal advice. Every<\/a> case is different and has to be evaluated on its own merit. To learn<\/a> more about your rights and the options available to you, please contact our Iran Desk.<\/p>\n\n\n\n

<\/p>\n\n\n\n

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<\/p>\n\n\n\n

1 \u2018Hampstead and St John\u2019s wood are tipped to be top localiza\u00e7\u00f5es<\/a> for wealthy Iranians looking to buy in the capital post the lifting of EU sanctions\u2019 available at: http:\/\/www.hamhigh.co.uk\/property\/iranian-investors-predicted-to-bring-over-1-billion-to-london-s-residential-property-market-1-4457815<\/em><\/strong><\/a><\/p>\n\n\n\n

2 \u2018Como os iranianos poderiam salvar o mercado imobili\u00e1rio de luxo de Londres\u2019, dispon\u00edvel em http:\/\/www.telegraph.co.uk\/finance\/property\/investment\/12110031\/How-the-Iranians-could-rescue-Londons-luxury-property-market.html.<\/em><\/strong><\/a><\/p>\n\n\n\n

3 \u2018As entidades reguladoras brit\u00e2nicas ajudam os bancos iranianos a sair do isolamento\u2019, dispon\u00edvel em https:\/\/www.ft.com\/content\/54144ec2-c692-11e5-b3b1-7b2481276e45<\/em><\/strong><\/a><\/p>\n\n\n\n

4 \u2018 Iran\u2019s Rouhani faces challenge<\/a> of bank reform\u2019 available at https:\/\/www.ft.com\/content\/ee47505a-7cd7-11e7-9108-edda0bcbc928<\/a><\/em><\/strong><\/p>\n\n\n\n

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