{"id":5388,"date":"2024-08-19T11:03:57","date_gmt":"2024-08-19T11:03:57","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&p=5388"},"modified":"2025-11-14T14:41:16","modified_gmt":"2025-11-14T14:41:16","slug":"incumprimento-do-emprestimo-intercalar-o-que-acontece-se-nao-conseguir-pagar-um-emprestimo-intercalar-a-tempo","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/incumprimento-do-emprestimo-intercalar-o-que-acontece-se-nao-conseguir-pagar-um-emprestimo-intercalar-a-tempo\/","title":{"rendered":"Incumprimentos de empr\u00e9stimos intercalares - O que acontece se n\u00e3o conseguir reembolsar um empr\u00e9stimo intercalar a tempo?"},"content":{"rendered":"

Bridging finan\u00e7as<\/a> is often used by property developers and investors in various situations, for example, where investors are buying<\/a> a new property while waiting for the sale of another<\/a> property or waiting for a refinance on another property. Before obtaining bridging finance it is worthwhile considering your exit strategies and understanding<\/a> a consequences<\/a> in the event that you default on the loan. <\/p>\n\n\n\n

Failing to repay a bridging loan<\/a> on time can have serious consequences. Bridging loans are designed for short-term borrowing, with most bridging lenders requiring the loan to be fully repaid within the agreed timeframe.<\/p>\n\n\n\n

It\u2019s crucial to carefully review the terms of your bridging loan, as they vontade<\/a> likely outline the consequences of breaching the agreement<\/a>. Failure to repay the loan by the end of the term will almost certainly constitute a breach<\/a> of your lending terms.<\/p>\n\n\n\n

Juros de mora<\/strong><\/h2>\n\n\n\n

If you default on your loan\u2014such as by failing to repay it by the end of the term\u2014the lender may impose a higher rate of interest. The terms concerning default interest<\/a> are usually specified in the original loan agreement, which you would have signed before taking out the loan.<\/p>\n\n\n\n

For further information on whether a lender\u2019s default interest rate may constitute an unenforceable penalty<\/a>, you can read our article here: \u201cTaxa de juros de mora do credor da ponte: O Tribunal Superior considera que os juros de mora do 4% s\u00e3o uma penaliza\u00e7\u00e3o n\u00e3o aplic\u00e1vel\u201d<\/a>.<\/p>\n\n\n\n

Taxas adicionais<\/strong><\/h2>\n\n\n\n

In the event of a default on your bridging loan, the lender may seek to impose adicional<\/a> fees. The lender’s right<\/a> to do so will depend on the terms of the original loan agreement. Some lenders may add a late payment charge, typically a relatively modest amount, while others may impose \u2018account review fees,\u2019 which could be significantly higher.<\/p>\n\n\n\n

Mobiliza\u00e7\u00e3o do empr\u00e9stimo \/ Processo de posse<\/strong><\/h2>\n\n\n\n

Se n\u00e3o reembolsar o empr\u00e9stimo at\u00e9 ao fim do prazo, o mutuante pode, consoante as condi\u00e7\u00f5es do empr\u00e9stimo, exigir o reembolso imediato do montante total.<\/p>\n\n\n\n

Se n\u00e3o for capaz de reembolsar o empr\u00e9stimo quando lhe for exigido um reembolso imediato, o mutuante pode pedir a reintegra\u00e7\u00e3o de posse do im\u00f3vel sobre o qual o empr\u00e9stimo est\u00e1 garantido.<\/p>\n\n\n\n

If the loan remains unpaid, bridging lenders are likely to have several legal options at their disposal. These may include issuing a claim to obtain a County Court Judgement, servi\u00e7o<\/a> statutory<\/a> demands, and \/ or presenting a winding-up or bankruptcy<\/a> petition.<\/p>\n\n\n\n

Se o empr\u00e9stimo intercalar tiver sido contra\u00eddo por uma empresa, o mutuante pode nomear liquidat\u00e1rios para liquidar a empresa mutu\u00e1ria e realizar os seus activos, incluindo quaisquer bens im\u00f3veis, para reembolsar o empr\u00e9stimo.<\/p>\n\n\n\n

Historial de cr\u00e9dito \/ pontua\u00e7\u00e3o de cr\u00e9dito<\/strong><\/h2>\n\n\n\n

Borrowers should bear in mind that defaulting<\/a> on your bridging loan may well have an adverse impact on your credit history \/ credit score. <\/p>\n\n\n\n

Prorroga\u00e7\u00e3o do empr\u00e9stimo<\/strong><\/h2>\n\n\n\n

Dependendo das circunst\u00e2ncias, o mutuante pode estar disposto a prolongar o prazo do empr\u00e9stimo, embora possa ser obrigado a pagar taxas de renova\u00e7\u00e3o, que podem ser substanciais nalguns mutuantes. Note-se que alguns mutuantes de empr\u00e9stimos intercalares podem estar dispostos a prolongar o prazo do empr\u00e9stimo na condi\u00e7\u00e3o de come\u00e7ar a efetuar pagamentos mensais de juros, em vez de permitir que continue a acumular os juros do seu empr\u00e9stimo.<\/p>\n\n\n\n

Maintaining communication with your lender is crucial. If you can demonstrate to the lender that you have an exit strategy\u2014or multiple strategies\u2014such as selling a property or refinanciamento<\/a>, which will allow you to repay the loan within a reasonable timeframe, the lender may agree to extend the term.<\/p>\n\n\n\n

Se for capaz de tomar medidas para acelerar qualquer sa\u00edda, como acelerar qualquer venda ou refinanciamento, \u00e9 prov\u00e1vel que melhore as suas perspectivas de chegar a uma resolu\u00e7\u00e3o amig\u00e1vel de qualquer situa\u00e7\u00e3o de incumprimento.<\/p>\n\n\n\n

Solicitadores de incumprimento de empr\u00e9stimos intercalares: Contacte-nos<\/h2>\n\n\n\n

David Burns<\/a>, Senior<\/a> Contencioso<\/a> Partner at Ronald Fletcher Baker LLP, has extensive experience in handling<\/a> issues related to defaults on bridging loans. For inquiries on this topic, please contact<\/a> David Burns via<\/a> email at D.Burns@rfblegal.co.uk<\/a> ou por telefone 07762318409<\/a>.<\/p>","protected":false},"author":5,"featured_media":5389,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[63,20],"tags":[81],"class_list":["post-5388","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-commercial-property","category-property-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t