{"id":9667,"date":"2026-06-02T16:11:15","date_gmt":"2026-06-02T16:11:15","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=knowledge-base&#038;p=9667"},"modified":"2026-06-09T11:18:16","modified_gmt":"2026-06-09T11:18:16","slug":"os-profissionais-especializados-em-transferencia-de-propriedade-verificam-a-origem-dos-fundos","status":"publish","type":"knowledge-base","link":"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/os-profissionais-especializados-em-transferencia-de-propriedade-verificam-a-origem-dos-fundos\/","title":{"rendered":"Os especialistas em transfer\u00eancia de propriedade verificam a origem dos fundos?"},"content":{"rendered":"<p>Yes, <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/por-que-contratar-profissionais-locais-especializados-em-transferencia-de-propriedade\/\">conveyancers<\/a> do check the source of funds in <a href=\"https:\/\/rfblegal.co.uk\/pt\/servicos\/direito-pessoal\/imoveis-residenciais\/\">residencial<\/a> <a href=\"https:\/\/rfblegal.co.uk\/pt\/servicos\/direito-comercial\/litigio-imobiliario-atividade\/ocupantes-empresariais\/\">propriedade<\/a> transactions. This is a normal and important part of the <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/quanto-tempo-demoram-as-pesquisas-para-a-transferencia-de-propriedade\/\">conveyancing<\/a> process, whether you are <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/qa-compra-venda-de-uma-empresa\/\">buying<\/a> your first <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/o-processo-de-transferencia-de-propriedade-da-minha-casa-esta-a-correr-bem\/\">home<\/a>, purchasing an investment property, remortgaging, or transferring equity. In simple terms, source of funds means where your money is coming from and how you obtained it. Conveyancers check this to comply with anti-money laundering rules, satisfy lender <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/uk-visas-2024-the-minimum-salary-and-income-requirements\/\">requirements<\/a> where relevant, and help protect all parties in the transaction.<\/p>\n\n<p>At RFB Legal, our residential property solicitors understand that these checks can sometimes feel intrusive or slow things down. In practice, though, they are a <a href=\"https:\/\/rfblegal.co.uk\/pt\/rfbtermosdecontrato0625\/\">standard<\/a> part of modern conveyancing and are designed to keep your transaction safe, compliant, and on track.<\/p>\n\n<h2>Por que raz\u00e3o os profissionais especializados em transfer\u00eancia de propriedade verificam a origem dos fundos?<\/h2>\n\n<p>Conveyancers are required to carry out checks to help prevent <a href=\"https:\/\/rfblegal.co.uk\/pt\/servicos\/direito-pessoal\/contencioso-penal\/proceeds-of-crime-and-money-laundering\/\">money laundering<\/a>, fraud, and the use of <a href=\"https:\/\/rfblegal.co.uk\/pt\/categoria\/contencioso-penal\/\">criminal<\/a> property in transactions. Property is considered a high-risk area for <a href=\"https:\/\/rfblegal.co.uk\/pt\/servicos\/direito-comercial\/servicos-de-criminalidade-financeira-e-de-colarinho-branco\/crimes-financeiros-e-de-colarinho-branco\/\">financial crime<\/a>, which is why source of funds and source of wealth <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/9726-2\/\">consultas<\/a> are so common in residential conveyancing.<\/p>\n\n<p><strong>Origem dos fundos<\/strong> refers to the specific money being used for the transaction. For example, savings, a gifted deposit, proceeds from the sale of <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/mais-uma-sessao-de-inscricoes-de-estudantes-bem-sucedida\/\">another<\/a> property, inheritance, or a released investment.<\/p>\n\n<p><strong>Fonte de riqueza<\/strong> is slightly broader and refers to how you built up your overall wealth over time. A <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/como-contratar-um-advogado-especializado-em-transacoes-imobiliarias\/\">conveyancer<\/a> may ask <a href=\"https:\/\/rfblegal.co.uk\/pt\/sobre-nos\/\">about<\/a> this where needed, especially if the transaction involves large sums, unusual arrangements, or money transferred from overseas.<\/p>\n\n<p>These checks are not usually a sign that anything is wrong. They are a routine legal safeguard and a normal part of residential conveyancing in <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/despejos-de-inquilinos-um-guia-para-senhorios-em-inglaterra\/\">England<\/a> and Wales.<\/p>\n\n<h2>Que documentos poder\u00e1 um especialista em transa\u00e7\u00f5es imobili\u00e1rias solicitar?<\/h2>\n\n<p>O <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/guia-para-o-novo-ano-fiscal-como-garantir-que-os-documentos-legais-da-sua-empresa-estao-atualizados\/\">documents<\/a> requested <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/can-a-will-cancel-my-previous-agreements\/\">vontade<\/a> depend on your circumstances and where the money is coming from. Common examples include:<\/p>\n\n<ul>\n  <li>extratos banc\u00e1rios recentes que mostrem as poupan\u00e7as<\/li>\n  <li>declara\u00e7\u00f5es de conclus\u00e3o relativas \u00e0 venda de outro im\u00f3vel<\/li>\n  <li>an inheritance letter or <a href=\"https:\/\/rfblegal.co.uk\/pt\/servicos\/direito-pessoal\/servicos-de-testamentos-e-sucessoes\/\">probate<\/a> paperwork<\/li>\n  <li>a <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/o-que-e-uma-prenda-vitalicia\/\">gift<\/a> letter from a family member<\/li>\n  <li><a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/seccao-28-a-utilizacao-crescente-de-provas-pre-gravadas-em-julgamentos-penais-parte-2\/\">evidence<\/a> of a bonus, <a href=\"https:\/\/rfblegal.co.uk\/pt\/servicos\/direito-pessoal\/emprego\/redundancy\/\">redundancy<\/a> payment, or compensation award<\/li>\n  <li>extratos de contas de investimento<\/li>\n  <li>mortgage offer or <a href=\"https:\/\/rfblegal.co.uk\/pt\/servicos\/direito-pessoal\/imoveis-residenciais\/remortgage-refinanciamento-de-imoveis\/\">remortgage<\/a> funds confirmation<\/li>\n  <li>documentos que explicam uma transfer\u00eancia a partir de uma conta banc\u00e1ria no estrangeiro<\/li>\n<\/ul>\n\n<p>Se parte do pre\u00e7o de compra provier de v\u00e1rias fontes diferentes, o not\u00e1rio respons\u00e1vel pela transa\u00e7\u00e3o poder\u00e1 solicitar comprovativos para cada uma delas. Por exemplo, um comprador poder\u00e1 recorrer a poupan\u00e7as, a um adiantamento recebido como doa\u00e7\u00e3o e ao produto de uma venda anterior. Nesse caso, poder\u00e1 ser necess\u00e1rio explicar e comprovar todas as tr\u00eas fontes.<\/p>\n\n<h2>Como funciona normalmente a verifica\u00e7\u00e3o da origem dos fundos<\/h2>\n\n<p>The process is usually straightforward, but it should be started early to avoid <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/injuncoes-de-congelamento-atrasos-e-o-dever-de-divulgacao-completa-e-franca\/\">delays<\/a>. A conveyancer will typically ask for source of funds information as soon as possible after instruction, and sometimes before exchange of contracts if the transaction is moving quickly.<\/p>\n\n<p>Numa transa\u00e7\u00e3o t\u00edpica de compra, o seu advogado especializado em im\u00f3veis residenciais poder\u00e1:<\/p>\n\n<ul>\n  <li>Pe\u00e7o-lhe que confirme a origem do seu dep\u00f3sito e do saldo<\/li>\n  <li>solicitar extratos banc\u00e1rios comprovativos e outros documentos comprovativos<\/li>\n  <li>analisar os documentos para garantir que o rasto do dinheiro \u00e9 claro<\/li>\n  <li>colocar quest\u00f5es de esclarecimento caso alguma parte do financiamento n\u00e3o esteja clara<\/li>\n  <li>registar as provas no processo para cumprir as obriga\u00e7\u00f5es legais<\/li>\n<\/ul>\n\n<p>If you are remortgaging, the checks may be simpler, but your conveyancer may still need to understand where any <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/imposto-de-selo-sobre-propriedades-adicionais\/\">adicional<\/a> funds are coming from if you are putting money into the transaction. The same applies to <a href=\"https:\/\/rfblegal.co.uk\/pt\/servicos\/direito-pessoal\/imoveis-residenciais\/transfer-of-equity\/\">transfer of equity<\/a> matters, where one party may be buying out another using funds from savings, a loan, or a mortgage refinance.<\/p>\n\n<h2>Quando \u00e9 que as verifica\u00e7\u00f5es s\u00e3o mais detalhadas?<\/h2>\n\n<p>Algumas transa\u00e7\u00f5es exigem verifica\u00e7\u00f5es mais detalhadas do que outras. \u00c9 frequentemente o caso quando o dinheiro prov\u00e9m de fora do Reino Unido, quando est\u00e3o envolvidos grandes dep\u00f3sitos em dinheiro ou quando os fundos passaram por v\u00e1rias contas antes de chegarem \u00e0 conta de cliente do seu not\u00e1rio.<\/p>\n\n<p>Podem tamb\u00e9m surgir quest\u00f5es adicionais nos casos em que:<\/p>\n\n<ul>\n  <li>o pre\u00e7o de compra \u00e9 invulgarmente elevado quando comparado com o seu perfil financeiro conhecido<\/li>\n  <li>h\u00e1 presentes em dinheiro oferecidos por pessoas que n\u00e3o s\u00e3o membros da fam\u00edlia<\/li>\n  <li>there is a <a href=\"https:\/\/rfblegal.co.uk\/pt\/categoria\/servicos-fiduciarios\/\">trust<\/a> involved<\/li>\n  <li>the money comes from <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/contratos-comerciais-qa\/\">business<\/a> profits or a company account<\/li>\n  <li>Os fundos foram recentemente transferidos para a sua conta<\/li>\n  <li>verifica-se um padr\u00e3o invulgar de levantamentos e dep\u00f3sitos<\/li>\n<\/ul>\n\n<p>These enquiries are not necessarily a problem. They simply mean the conveyancer needs to <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/do-i-need-a-conveyancer-for-a-new-build\/\">build<\/a> a clear and documented picture of the transaction. For <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/o-guia-essencial-para-quem-esta-a-comprar-casa-pela-primeira-vez\/\">compradores<\/a>, sellers, <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/um-guia-para-os-senhorios-comerciais-a-aceitacao-da-renda-por-um-agente-equivale-a-uma-renuncia-ao-direito-de-confisco\/\">senhorios<\/a>, and property investors, this is especially important where there are multiple properties, layered ownership structures, or more complex funding arrangements.<\/p>\n\n<h2>Problemas comuns que podem causar atrasos<\/h2>\n\n<p>One of the most common causes of delay is not having the <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/o-direito-de-primeira-recusa-principais-informacoes-para-senhorios-e-inquilinos\/\">right<\/a> documents ready early enough. If a conveyancer has to chase <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/beneficiarios-em-falta-e-ordens-de-benjamim\/\">missing<\/a> statements or ask for repeated explanations, the transaction may slow down.<\/p>\n\n<p>Outros problemas comuns incluem:<\/p>\n\n<ul>\n  <li>extratos banc\u00e1rios que n\u00e3o mostram claramente a acumula\u00e7\u00e3o de fundos<\/li>\n  <li>grandes dep\u00f3sitos em dinheiro sem justifica\u00e7\u00e3o<\/li>\n  <li>o dinheiro foi transferido entre v\u00e1rias contas sem deixar um rasto documental claro<\/li>\n  <li>presentes que n\u00e3o foram devidamente registados<\/li>\n  <li>fundos transferidos do estrangeiro sem documenta\u00e7\u00e3o comprovativa<\/li>\n  <li>altera\u00e7\u00f5es no montante ou na origem do dep\u00f3sito numa fase avan\u00e7ada da transa\u00e7\u00e3o<\/li>\n<\/ul>\n\n<p>Por exemplo, se um comprador afirmar que o sinal prov\u00e9m das suas poupan\u00e7as, mas os fundos s\u00f3 apareceram na conta uma semana antes da compra, o not\u00e1rio provavelmente perguntar\u00e1 onde o dinheiro se encontrava antes disso e como foi obtido. Da mesma forma, se um vendedor estiver a receber parte do pre\u00e7o de compra em v\u00e1rias contas, o not\u00e1rio poder\u00e1 precisar de garantias adicionais de que a estrutura de pagamento \u00e9 leg\u00edtima e est\u00e1 devidamente registada.<\/p>\n\n<h2>O que deve fazer para se preparar?<\/h2>\n\n<p>The best approach is to gather your evidence as early as possible. If you are buying a property, it can help to keep copies of key bank statements and any documents relating to gifts, inheritance, or property sales. If you are <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/o-que-e-a-formalidade-de-transferencia-de-propriedade-na-venda-de-uma-casa\/\">selling<\/a>, remortgaging, or transferring equity, you should be ready to explain the source of any funds you are contributing or receiving.<\/p>\n\n<p>As medidas pr\u00e1ticas incluem:<\/p>\n\n<ul>\n  <li>guarde os extratos banc\u00e1rios que mostram como o dinheiro foi acumulado<\/li>\n  <li>evite efetuar dep\u00f3sitos em dinheiro avultados sem justifica\u00e7\u00e3o<\/li>\n  <li>conservar os comprovativos de venda relativos a quaisquer transa\u00e7\u00f5es imobili\u00e1rias anteriores<\/li>\n  <li>pe\u00e7a aos familiares que apresentem uma carta de doa\u00e7\u00e3o assinada, caso ajudem com o dep\u00f3sito<\/li>\n  <li>manter os documentos relativos \u00e0 heran\u00e7a ou ao processo sucess\u00f3rio devidamente arquivados<\/li>\n  <li>Informe o seu advogado especializado em transa\u00e7\u00f5es imobili\u00e1rias com anteced\u00eancia se o dinheiro vier do estrangeiro ou de uma empresa<\/li>\n<\/ul>\n\n<p>Ser aberto e proativo pode fazer toda a diferen\u00e7a. Isso ajuda o seu advogado especializado em transa\u00e7\u00f5es imobili\u00e1rias a realizar as verifica\u00e7\u00f5es de forma eficiente e reduz o risco de surgirem problemas de \u00faltima hora antes da troca de escrituras ou da conclus\u00e3o da transa\u00e7\u00e3o.<\/p>\n\n<h2>Como \u00e9 que um especialista em transa\u00e7\u00f5es imobili\u00e1rias pode ajudar?<\/h2>\n\n<p>Um especialista em transa\u00e7\u00f5es imobili\u00e1rias ou um advogado especializado em im\u00f3veis residenciais faz mais do que apenas solicitar documentos. Ajudam-no a compreender o que \u00e9 necess\u00e1rio, por que raz\u00e3o \u00e9 necess\u00e1rio e qual a melhor forma de o fornecer, de modo a facilitar a sua transa\u00e7\u00e3o. Isto \u00e9 particularmente \u00fatil se o seu acordo de financiamento n\u00e3o for simples.<\/p>\n\n<p>At RFB Legal, our conveyancing <a href=\"https:\/\/rfblegal.co.uk\/pt\/etiqueta\/equipa-de-contencioso-dj\/\">team<\/a> works with clients across England and Wales on <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/compras-para-novas-construcoes-o-que-precisa-de-saber\/\">purchases<\/a>, sales, remortgages, <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/transferencias-em-vida-de-doacoes-normais-a-partir-do-rendimento\/\">transfers<\/a> of equity, <a href=\"https:\/\/rfblegal.co.uk\/pt\/base-de-conhecimentos\/quanto-tempo-demora-a-formalizacao-da-compra-de-um-imovel-em-regime-de-arrendamento\/\">arrendamento<\/a> matters, and <a href=\"https:\/\/rfblegal.co.uk\/pt\/servicos\/direito-pessoal\/imoveis-residenciais\/buy-to-let\/\">buy-to-let<\/a> transactions. We aim to keep the process clear and efficient, while making sure legal and compliance requirements are dealt with properly.<\/p>\n\n<p>Um advogado pode ajudar ao:<\/p>\n\n<ul>\n  <li>explicar que tipo de comprovativos da origem dos fundos s\u00e3o necess\u00e1rios<\/li>\n  <li>verificar se os documentos est\u00e3o completos e s\u00e3o claros<\/li>\n  <li>identificar os problemas numa fase precoce, antes que estes afetem a troca ou a conclus\u00e3o<\/li>\n  <li>orientar os clientes em rela\u00e7\u00e3o a dep\u00f3sitos recebidos como doa\u00e7\u00e3o e outras situa\u00e7\u00f5es comuns<\/li>\n  <li>em coordena\u00e7\u00e3o com as entidades de cr\u00e9dito hipotec\u00e1rio e outras partes, sempre que necess\u00e1rio<\/li>\n<\/ul>\n\n<p>Se n\u00e3o tiver a certeza se o seu financiamento poder\u00e1 suscitar d\u00favidas, \u00e9 melhor abordar esta quest\u00e3o com o seu not\u00e1rio logo no in\u00edcio. Um aconselhamento atempado pode evitar atrasos desnecess\u00e1rios numa fase posterior da transa\u00e7\u00e3o.<\/p>\n\n<h2>Um especialista em transa\u00e7\u00f5es imobili\u00e1rias pode recusar-se a prosseguir com o processo?<\/h2>\n\n<p>Em alguns casos, sim. Se um cliente n\u00e3o puder fornecer informa\u00e7\u00f5es suficientes para cumprir os requisitos legais e de conformidade, um especialista em transa\u00e7\u00f5es imobili\u00e1rias poder\u00e1 n\u00e3o poder continuar a exercer as suas fun\u00e7\u00f5es. Isto n\u00e3o \u00e9 comum, mas pode acontecer quando a origem dos fundos n\u00e3o for clara, for contradit\u00f3ria ou n\u00e3o estiver devidamente comprovada.<\/p>\n\n<p>Os profissionais especializados em transa\u00e7\u00f5es imobili\u00e1rias devem cumprir as obriga\u00e7\u00f5es profissionais e os regulamentos relativos ao combate ao branqueamento de capitais. Se n\u00e3o tiverem a certeza de que o dinheiro \u00e9 leg\u00edtimo, poder\u00e3o ter de fazer perguntas adicionais, atrasar o processo ou, em algumas situa\u00e7\u00f5es, recusar-se a agir. Isto protege tanto a empresa como o cliente.<\/p>\n\n<p>Se estiver preocupado com a sua situa\u00e7\u00e3o, normalmente \u00e9 melhor abord\u00e1-la com franqueza e o mais cedo poss\u00edvel. Muitos problemas podem ser resolvidos com a documenta\u00e7\u00e3o adequada e uma explica\u00e7\u00e3o clara.<\/p>\n\n<h2>Perguntas mais frequentes<\/h2>\n\n<h3>Todos os profissionais especializados em transfer\u00eancia de propriedade verificam a origem dos fundos?<\/h3>\n\n<p>Sim, na pr\u00e1tica, isto \u00e9 habitual nas transa\u00e7\u00f5es imobili\u00e1rias residenciais. O n\u00edvel exato de verifica\u00e7\u00e3o pode variar consoante a transa\u00e7\u00e3o e os procedimentos do escrit\u00f3rio, mas as verifica\u00e7\u00f5es da origem dos fundos fazem parte normal do processo.<\/p>\n\n<h3>Vou ter de comprovar a origem do meu dep\u00f3sito?<\/h3>\n\n<p>Normalmente, sim. Se estiver a comprar um im\u00f3vel, o seu not\u00e1rio ir\u00e1, normalmente, querer ver comprovativos do seu sinal e de qualquer montante adicional a ser utilizado para a conclus\u00e3o da transa\u00e7\u00e3o.<\/p>\n\n<h3>E se os meus pais me estiverem a ajudar a comprar uma casa?<\/h3>\n\n<p>\u00c9 comum que o sinal seja oferecido a t\u00edtulo de doa\u00e7\u00e3o, mas o seu not\u00e1rio ir\u00e1 normalmente necessitar de uma carta de doa\u00e7\u00e3o e de comprovativos dos fundos do doador. Poder\u00e1 tamb\u00e9m perguntar se a doa\u00e7\u00e3o \u00e9 reembols\u00e1vel ou se confere ao doador algum direito sobre o im\u00f3vel.<\/p>\n\n<h3>A verifica\u00e7\u00e3o da origem dos fundos ir\u00e1 atrasar a minha venda ou compra?<\/h3>\n\n<p>Podem faz\u00ea-lo se faltarem documentos ou se estes n\u00e3o forem claros, mas, normalmente, a situa\u00e7\u00e3o \u00e9 f\u00e1cil de resolver quando tratada atempadamente. Fornecer informa\u00e7\u00f5es rapidamente \u00e9 a melhor forma de evitar atrasos.<\/p>\n\n<p>If you are dealing with a residential property transaction and want clear guidance on source of funds checks, RFB Legal can help. Our experienced conveyancing solicitors provide practical, client-focused <a href=\"https:\/\/rfblegal.co.uk\/pt\/etiqueta\/pessoal-de-apoio\/\">apoio<\/a> to help keep your <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/ao-considerar-a-seccao-9-da-lei-de-arbitragem-de-1996-o-que-e-a-questao\/\">assunto<\/a> moving as smoothly as possible. If you would like tailored advice based on your circumstances, speak to our team for assistance.<\/p><br\/><i>Disclaimer: This article is provided for general information purposes only and does not constitute legal advice. The law may have changed since the date of publication, and the information contained in this article may not be applicable to your specific circumstances.\n\nYou should not rely on this article as a substitute for obtaining legal advice tailored to your <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/litigios-relativos-a-energia-e-servicos-publicos-e-um-particular-ou-uma-empresa-que-esta-a-ser-cobrado-em-excesso-pelo-seu-fornecedor-de-energia-ou-servicos-publicos\/\">individual<\/a> situation. No solicitor-client relationship is created by reading, accessing, or acting upon the information contained herein.\n\nWhilst Ronald <a href=\"https:\/\/rfblegal.co.uk\/pt\/\">Fletcher<\/a> Baker LLP makes reasonable efforts to ensure that the information is accurate and up to date at the time of publication, no <a href=\"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/litigios-relativos-a-acordos-de-compra-de-accoes-lista-de-verificacao-de-reclamacoes-por-violacao-de-garantia\/\">warranty<\/a>, express or implied, is given as to its accuracy, completeness, or suitability. 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Trata-se de uma etapa normal e importante do processo de transfer\u00eancia de propriedade, quer esteja a comprar a sua primeira casa, a adquirir um im\u00f3vel para investimento, a renovar o cr\u00e9dito hipotec\u00e1rio ou a transferir o patrim\u00f3nio l\u00edquido. 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