A bridging loan<\/a> is a short-term finan\u00e7as<\/a> solution designed to \u201cbridge\u201d a gap between two financial transactions. These loans are commonly used in propriedade<\/a> purchases<\/a>, auction acquisitions, renovations, business<\/a> cash flow apoio<\/a>, or when a borrower needs quick access to funds<\/a> before long-term financing is arranged. <\/p>\n\n\n\n Bridging loans are typically secured against property or land and usually run for a period of 3 months up to one year, although some lenders offer longer terms. Because they are short-term and often arranged quickly, they tend to carry higher interest rates than traditional mortgages or comercial<\/a> loans. <\/p>\n\n\n\n Os mutu\u00e1rios geralmente reembolsam o empr\u00e9stimo atrav\u00e9s de uma das seguintes estrat\u00e9gias de sa\u00edda: <\/p>\n\n\n\n A bridging loan default occurs when the borrower fails to meet the terms of the agreement<\/a>, most commonly by missing<\/a> payments or failing to repay the loan by the agreed deadline. <\/p>\n\n\n\n A default happens when the borrower breaches<\/a> the loan agreement. This can occur in several ways, including: <\/p>\n\n\n\n De acordo com a nossa experi\u00eancia, o problema mais comum ocorre quando o mutu\u00e1rio n\u00e3o consegue liquidar o saldo total at\u00e9 \u00e0 data de vencimento. Os empr\u00e9stimos-ponte s\u00e3o produtos de curto prazo, pelo que as entidades credoras esperam que o reembolso seja efetuado dentro do prazo acordado. <\/p>\n\n\n\n Some loan agreements<\/a> include grace periods, while others allow lenders to take immediate action after a missed payment or term expiry. <\/p>\n\n\n\n Existem muitas raz\u00f5es pelas quais os mutu\u00e1rios entram em incumprimento. Algumas s\u00e3o evit\u00e1veis, enquanto outras resultam de circunst\u00e2ncias inesperadas. <\/p>\n\n\n\n Entre as causas mais comuns contam-se: <\/p>\n\n\n\n The lender vontade<\/a> usually begin by contacting the borrower to discuss the missed payment or expired term. Initially, the lender may attempt to resolve the assunto<\/a> informally. It is worth bearing in mind that while some lenders will attempt to resolve the matter informally, other lenders may proceed straight to enforcement<\/a>. <\/p>\n\n\n\n As a\u00e7\u00f5es t\u00edpicas numa fase inicial incluem: <\/p>\n\n\n\n If the borrower communicates openly and provides a realistic repayment plan, some lenders may be willing to negotiate extensions<\/a> or revised terms. <\/p>\n\n\n\n Bridging loans are secured loans, the lender generally has the legal right<\/a> to repossess the secured property if the borrower defaults<\/a>. <\/p>\n\n\n\n The rights of the lender in the event of a default will be governed by the terms of the agreement, and the options available to the lender will depend on whether or not the bridging loan is a regulated mortgage contract under the Financial Services and Markets Act 2000 (FSMA<\/a>), the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (RAO) but in general terms the process often involves: <\/p>\n\n\n\n In most cases, yes. A bridging loan default can significantly damage a borrower\u2019s credit<\/a> profile. <\/p>\n\n\n\n Potential consequences<\/a> include: <\/p>\n\n\n\n Most bridging loan agreements<\/a> include clauses allowing lenders to charge default interest<\/a> if the borrower breaches the contract. <\/p>\n\n\n\n Default interest rates are often substantially higher than standard<\/a> interest rates. Additional charges may include: <\/p>\n\n\n\n Sim, algumas institui\u00e7\u00f5es de cr\u00e9dito considerar\u00e3o a possibilidade de prolongar o prazo se o mutu\u00e1rio conseguir apresentar um plano de reembolso cred\u00edvel. <\/p>\n\n\n\n \u00c9 mais prov\u00e1vel que ocorram prorroga\u00e7\u00f5es quando: <\/p>\n\n\n\n O passo mais importante \u00e9 agir atempadamente. <\/p>\n\n\n\n Os mutu\u00e1rios devem: <\/p>\n\n\n\n Ignorar o problema costuma agravar a situa\u00e7\u00e3o. <\/p>\n\n\n\n Yes. If the debt remains unpaid and the borrower cannot meet their financial obligations, the lender may pursue bankruptcy<\/a> proceedings against an individual<\/a> ou insolv\u00eancia<\/a> proceedings against a company. <\/p>\n\n\n\n As poss\u00edveis consequ\u00eancias incluem: <\/p>\n\n\n\n Often bridging loan providers will require personal guarantees<\/a> from directors or shareholders<\/a>. <\/p>\n\n\n\n Uma garantia pessoal significa que o indiv\u00edduo fica pessoalmente respons\u00e1vel pelo reembolso caso a empresa mutu\u00e1ria entre em incumprimento. <\/p>\n\n\n\n In some situations borrowers are able to challenge<\/a> the enforcement action of bridging lenders. <\/p>\n\n\n\n Os mutu\u00e1rios poder\u00e3o contestar a execu\u00e7\u00e3o se:\u00a0<\/p>\n\n\n\n Careful planning<\/a> is the best protection. <\/p>\n\n\n\n Os empr\u00e9stimos-ponte podem apresentar um risco elevado em compara\u00e7\u00e3o com os produtos de cr\u00e9dito tradicionais, uma vez que: <\/p>\n\n\n\n Antes de recorrerem a um financiamento-ponte, os mutu\u00e1rios poder\u00e3o querer explorar alternativas como: <\/p>\n\n\n\n O incumprimento de empr\u00e9stimos-ponte pode ter graves consequ\u00eancias financeiras e legais, incluindo a recupera\u00e7\u00e3o do bem, a\u00e7\u00f5es judiciais, preju\u00edzos na nota\u00e7\u00e3o de cr\u00e9dito e insolv\u00eancia. No entanto, muitos casos de incumprimento podem ser evitados atrav\u00e9s de um planeamento realista, aconselhamento profissional e comunica\u00e7\u00e3o atempada com os credores. <\/p>\n\n\n\n Os mutu\u00e1rios devem compreender plenamente os termos de qualquer empr\u00e9stimo-ponte antes de assinarem, em especial as obriga\u00e7\u00f5es de reembolso e as consequ\u00eancias do incumprimento das mesmas. Uma vez que o financiamento-ponte se destina a ser uma solu\u00e7\u00e3o a curto prazo, \u00e9 fundamental dispor de uma estrat\u00e9gia de sa\u00edda fi\u00e1vel e exequ\u00edvel. <\/p>\n\n\n\n Advogado especializado em lit\u00edgios relativos a empr\u00e9stimos-ponte, David Burns \u2013 <\/strong>Contactar-nos <\/p>\n\n\n\n David Burns, Senior<\/a> Contencioso<\/a> Partner at Ronald Fletcher<\/a> Baker LLP, has extensive experience handling<\/a> issues related to bridging loan defaults and disputes.\/ For consultas<\/a> on this topic, please contact David Burns via<\/a> email at D.Burns@rfblegal.co.uk<\/a> ou pelo telefone 0207 467 5751. <\/p>","protected":false},"author":12,"featured_media":9874,"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":[20],"tags":[81],"class_list":["post-9873","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","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\n
2. O que se considera um incumprimento num empr\u00e9stimo-ponte? <\/h2>\n\n\n\n
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3. Por que raz\u00e3o os mutu\u00e1rios entram em incumprimento nos empr\u00e9stimos-ponte? <\/h2>\n\n\n\n
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4. O que acontece imediatamente ap\u00f3s o incumprimento de um empr\u00e9stimo-ponte? <\/h2>\n\n\n\n
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5. Um credor pode recuperar a posse de um im\u00f3vel ap\u00f3s o incumprimento de um empr\u00e9stimo-ponte? <\/h2>\n\n\n\n
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6. O incumprimento afetar\u00e1 a pontua\u00e7\u00e3o de cr\u00e9dito do mutu\u00e1rio?\u00a0<\/h2>\n\n\n\n
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7. Um credor de um empr\u00e9stimo-ponte pode cobrar juros de mora? <\/h2>\n\n\n\n
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8. \u00c9 poss\u00edvel prolongar o prazo de um empr\u00e9stimo-ponte? <\/h2>\n\n\n\n
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9. O que deve um mutu\u00e1rio fazer se achar que poder\u00e1 entrar em incumprimento? <\/h2>\n\n\n\n
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10. O incumprimento de um empr\u00e9stimo-ponte pode levar \u00e0 fal\u00eancia? <\/h2>\n\n\n\n
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11. Os empr\u00e9stimos-ponte envolvem garantias pessoais? <\/h2>\n\n\n\n
12. Os mutu\u00e1rios podem contestar as medidas de execu\u00e7\u00e3o tomadas pelo credor? <\/h2>\n\n\n\n
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13. Como podem os mutu\u00e1rios evitar o incumprimento dos empr\u00e9stimos-ponte? <\/h2>\n\n\n\n
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14. Os empr\u00e9stimos-ponte s\u00e3o considerados de alto risco? <\/h2>\n\n\n\n
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15. Quais s\u00e3o as alternativas a um empr\u00e9stimo-ponte? <\/h2>\n\n\n\n
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Conclus\u00e3o <\/h2>\n\n\n\n