{"id":3940,"date":"2020-04-01T17:08:32","date_gmt":"2020-04-01T17:08:32","guid":{"rendered":"https:\/\/rvfadvogados.com\/?p=3940"},"modified":"2023-08-17T17:27:16","modified_gmt":"2023-08-17T16:27:16","slug":"moratoria-bancaria","status":"publish","type":"post","link":"https:\/\/rvfadvogados.com\/en\/moratoria-bancaria\/","title":{"rendered":"MORAT\u00d3RIA BANC\u00c1RIA (COVID-19)"},"content":{"rendered":"<div  class=\"tatsu-7VD1QhhCTK tatsu-section  tatsu-bg-overlay   tatsu-clearfix\" data-title=\"\"  data-headerscheme=\"background--dark\"><div class='tatsu-section-pad clearfix' data-padding='{\"d\":\"90px 0px 90px 0px\"}' data-padding-top='90px'><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-we_g-J9yDd\" ><div  class=\"tatsu-row \" ><div  class=\"tatsu-column  tatsu-bg-overlay tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-2eU0xh6UE\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-text-block-wrap tatsu-qELhs2DGj  \"><div class=\"tatsu-text-inner tatsu-align-center  clearfix\" ><style>.tatsu-qELhs2DGj.tatsu-text-block-wrap .tatsu-text-inner{width: 70%;text-align: left;}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-qELhs2DGj.tatsu-text-block-wrap .tatsu-text-inner{width: 100%;}}@media only screen and (max-width: 767px) {.tatsu-qELhs2DGj.tatsu-text-block-wrap .tatsu-text-inner{width: 100%;}}<\/style>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"cgh98-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"cgh98-0-0\"><span data-offset-key=\"cgh98-0-0\"><strong>MORAT\u00d3RIA BANC\u00c1RIA<\/strong><\/p>\n<p>Atrav\u00e9s do <\/span><a class=\"_2qJYG\" href=\"https:\/\/dre.pt\/application\/conteudo\/130779509\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-offset-key=\"cgh98-1-0\">Decreto-Lei 10-J\/2020<\/span><\/a><span data-offset-key=\"cgh98-2-0\">, o Estado aprovou uma <\/span><span data-offset-key=\"cgh98-2-1\">morat\u00f3ria de capital e juros<\/span><span data-offset-key=\"cgh98-2-2\"> at\u00e9 30 de setembro de 2020, para empresas, empres\u00e1rios em nome individual, pessoas singulares e entidades do setor social, que verifiquem uma redu\u00e7\u00e3o tempor\u00e1ria da sua liquidez.<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"5j53k-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"5j53k-0-0\"><span data-offset-key=\"5j53k-0-0\">\u00a0<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"2p80q-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"2p80q-0-0\"><span data-offset-key=\"2p80q-0-0\">Relativamente \u00e0s <\/span><span data-offset-key=\"2p80q-0-1\">empresas <\/span><span data-offset-key=\"2p80q-0-2\">&#8211; micro, pequenas, m\u00e9dias empresas, ou independentemente da dimens\u00e3o, quando n\u00e3o relacionadas com o sistema financeiro-,<\/span><span data-offset-key=\"2p80q-0-3\"> empres\u00e1rios em nome individual, ipss e associa\u00e7\u00f5es sem fins lucrativos<\/span><span data-offset-key=\"2p80q-0-4\">, com sede em Portugal, e c\u00e1 exer\u00e7am a sua atividade, aplica-se a morat\u00f3ria, quando verificados simultaneamente as seguintes condi\u00e7\u00f5es:<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"fhj3q-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"fhj3q-0-0\"><span data-offset-key=\"fhj3q-0-0\">\u00a0<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"5v313-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"5v313-0-0\"><span data-offset-key=\"5v313-0-0\">I)<\/span><span data-offset-key=\"5v313-0-1\"> \u00c0 data de 18 de mar\u00e7o de 2020, n\u00e3o estar em situa\u00e7\u00e3o de mora ou incumprimento de presta\u00e7\u00f5es h\u00e1 mais de 90 dias junto de qualquer institui\u00e7\u00e3o;<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"9eb7f-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"9eb7f-0-0\"><span data-offset-key=\"9eb7f-0-0\">II) <\/span><span data-offset-key=\"9eb7f-0-1\">N\u00e3o se encontrar em situa\u00e7\u00e3o de insolv\u00eancia, ou ter pendente algum processo de execu\u00e7\u00e3o instaurado por uma das institui\u00e7\u00f5es;<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"4brth-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"4brth-0-0\"><span data-offset-key=\"4brth-0-0\">III) <\/span><span data-offset-key=\"4brth-0-1\">Tenham a situa\u00e7\u00e3o regularizada junto da Autoridade Tribut\u00e1ria e Aduaneira e da Seguran\u00e7a Social;<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"6r6it-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"6r6it-0-0\"><span data-offset-key=\"6r6it-0-0\">IV)<\/span><span data-offset-key=\"6r6it-0-1\"><span data-offset-key=\"6r6it-0-1\"> Tenham resid\u00eancia em Portugal;<\/span><\/span><\/p>\n<p>\u00a0<\/p>\n<\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"a6elr-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"a6elr-0-0\"><span data-offset-key=\"a6elr-0-0\">A morat\u00f3ria aplica-se \u00e0s opera\u00e7\u00f5es de cr\u00e9dito concedidas por institui\u00e7\u00f5es de cr\u00e9dito, sociedades financeiras de cr\u00e9dito, sociedades de investimento, sociedades de loca\u00e7\u00e3o financeira, sociedades de factoring e sociedades de garantia m\u00fatua, bem como pelas sucursais a operar em Portugal, com exce\u00e7\u00e3o das seguintes opera\u00e7\u00f5es:<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"3cpgh-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"3cpgh-0-0\"><span data-offset-key=\"3cpgh-0-0\">I) <\/span><span data-offset-key=\"3cpgh-0-1\">Financiamentos para compra de valores mobili\u00e1rios ou aquisi\u00e7\u00e3o de posi\u00e7\u00e3o noutros instrumentos financeiros;<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"3aqt9-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"3aqt9-0-0\"><span data-offset-key=\"3aqt9-0-0\">II) <\/span><span data-offset-key=\"3aqt9-0-1\">Cr\u00e9ditos concedidos a benefici\u00e1rios de regimes, subven\u00e7\u00f5es ou benef\u00edcios para a fixa\u00e7\u00e3o de sede ou resid\u00eancia em Portugal, incluindo para atividades de investimento;<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"c7hdc-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"c7hdc-0-0\"><span data-offset-key=\"c7hdc-0-0\">III) <\/span><span data-offset-key=\"c7hdc-0-1\">Cr\u00e9dito concedido a empresas para utiliza\u00e7\u00e3o de cart\u00f5es de cr\u00e9dito.<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"rjd8-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"rjd8-0-0\"><span data-offset-key=\"rjd8-0-0\">\u00a0<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"ahmpm-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"ahmpm-0-0\"><span data-offset-key=\"ahmpm-0-0\">Esta morat\u00f3ria \u00e9 ainda aplic\u00e1vel <\/span><span data-offset-key=\"ahmpm-0-1\">\u00e0s pessoas singulares<\/span><span data-offset-key=\"ahmpm-0-2\">, com resid\u00eancia em Portugal, <\/span><span data-offset-key=\"ahmpm-0-3\">nos contratos de<\/span> <span data-offset-key=\"ahmpm-0-5\">cr\u00e9dito para habita\u00e7\u00e3o pr\u00f3pria permanente, <\/span><span data-offset-key=\"ahmpm-0-6\">quando se verifiquem as seguintes condi\u00e7\u00f5es:<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"6ii05-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"6ii05-0-0\"><span data-offset-key=\"6ii05-0-0\">I) <\/span><span data-offset-key=\"6ii05-0-1\">Situa\u00e7\u00e3o de isolamento profil\u00e1tico, doen\u00e7a, ou prestem assist\u00eancia a filhos ou netos, nos termos aprovados no Decreto-Lei 10-A\/2020; <\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"c920i-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"c920i-0-0\"><span data-offset-key=\"c920i-0-0\">II) <\/span><span data-offset-key=\"c920i-0-1\">Trabalhadores de empresas que tenham colocado os seus trabalhadores em redu\u00e7\u00e3o do per\u00edodo normal de trabalho ou suspens\u00e3o do contrato de trabalho, em virtude de crise empresarial;<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"6uh52-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"6uh52-0-0\"><span data-offset-key=\"6uh52-0-0\">III) <\/span><span data-offset-key=\"6uh52-0-1\">Situa\u00e7\u00e3o de desemprego registada no Instituto de Emprego e Forma\u00e7\u00e3o Profissional (IEFP);<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"33qba-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"33qba-0-0\"><span data-offset-key=\"33qba-0-0\">IV) <\/span><span data-offset-key=\"33qba-0-1\">Trabalhadores independentes eleg\u00edveis para o apoio extraordin\u00e1rio \u00e0 redu\u00e7\u00e3o da atividade econ\u00f3mica, nos termos aprovados no Decreto-Lei 10-A\/2020;<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"8sks9-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"8sks9-0-0\"><span data-offset-key=\"8sks9-0-0\">V) <\/span><span data-offset-key=\"8sks9-0-1\">Trabalhadores em estabelecimento ou atividade que tenha sido objeto de encerramento determinado durante o per\u00edodo de estado de emerg\u00eancia.<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"21gon-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"21gon-0-0\"><span data-offset-key=\"21gon-0-0\">\u00a0<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"4km3l-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"4km3l-0-0\"><span data-offset-key=\"4km3l-0-0\">Para al\u00e9m do enquadramento supra mencionado, \u00e9 tamb\u00e9m requisito de acesso \u00e0 morat\u00f3ria:<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"bgs0f-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"bgs0f-0-0\"><span data-offset-key=\"bgs0f-0-0\">I) <\/span><span data-offset-key=\"bgs0f-0-1\">\u00c0 data de 18 de mar\u00e7o de 2020, n\u00e3o estar em situa\u00e7\u00e3o de mora ou incumprimento de presta\u00e7\u00f5es h\u00e1 mais de 90 dias junto de qualquer institui\u00e7\u00e3o;<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"60mhm-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"60mhm-0-0\"><span data-offset-key=\"60mhm-0-0\">II) <\/span><span data-offset-key=\"60mhm-0-1\">N\u00e3o se encontrar em situa\u00e7\u00e3o de insolv\u00eancia, ou ter pendente algum processo de execu\u00e7\u00e3o instaurado por uma das institui\u00e7\u00f5es;<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"4bk5i-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"4bk5i-0-0\"><span data-offset-key=\"4bk5i-0-0\">III) <\/span><span data-offset-key=\"4bk5i-0-1\">Tenham a situa\u00e7\u00e3o regularizada junto da Autoridade Tribut\u00e1ria e Aduaneira e da Seguran\u00e7a Social;<\/span><\/div>\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"4bk5i-0-0\">\u00a0<\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"121rh-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"121rh-0-0\"><span data-offset-key=\"121rh-0-0\">A morat\u00f3ria consiste nas seguintes medidas:<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"d60vc-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"d60vc-0-0\"><span data-offset-key=\"d60vc-0-0\">a)<\/span><span data-offset-key=\"d60vc-0-1\"> Proibi\u00e7\u00e3o de revoga\u00e7\u00e3o, total ou parcial, at\u00e9 30.09.2020, das linhas de cr\u00e9dito contratadas e empr\u00e9stimos concedidos, nos montantes contratados em 27.03.2020;<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"a95co-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"a95co-0-0\"><span data-offset-key=\"a95co-0-0\">b)<\/span><span data-offset-key=\"a95co-0-1\"> Prorroga\u00e7\u00e3o, por um per\u00edodo de 6 meses de todos os cr\u00e9ditos, vigentes em 27.03.2020, com pagamento de capital, juros, com pagamento no final, prorrogando-se igualmente todas as garantias;<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"c6ksu-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"c6ksu-0-0\"><span data-offset-key=\"c6ksu-0-0\">c)<\/span><span data-offset-key=\"c6ksu-0-1\"> Suspens\u00e3o de pagamentos por per\u00edodo de 6 meses, dos cr\u00e9ditos \/ rendas, bem como dos juros, sendo o plano contratual das parcelas de capital, juros, rendas, comiss\u00f5es e outros encargos estendido automaticamente pelo per\u00edodo igual ao da suspens\u00e3o.<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"6gist-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"6gist-0-0\"><span data-offset-key=\"6gist-0-0\">\u00a0<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"929rh-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"929rh-0-0\"><span data-offset-key=\"929rh-0-0\">Nos casos previstos nas al\u00edneas b) e c), o capital relativo ao per\u00edodo de car\u00eancia, assim como os juros relativos a este per\u00edodo (que ser\u00e3o capitalizados), ser\u00e3o amortizados posteriormente numa extens\u00e3o de 6 meses ao per\u00edodo atual do contrato de cr\u00e9dito, sendo poss\u00edvel aos benefici\u00e1rios requererem junto das entidades banc\u00e1rias \/ financeiras, morat\u00f3ria apenas do capital, ou apenas parcial de capital.<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"67n4j-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"67n4j-0-0\">\u00a0<\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"a6k94-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"a6k94-0-0\"><span data-offset-key=\"a6k94-0-0\">O acesso \u00e0s medidas da morat\u00f3ria n\u00e3o implica o incumprimento contratual, nem a ativa\u00e7\u00e3o de clausulas de vencimento antecipado das presta\u00e7\u00f5es, ou de cessa\u00e7\u00e3o das garantias prestadas, nomeadamente quanto a vig\u00eancia de seguros, fian\u00e7as ou avales.<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"6ujmn-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"6ujmn-0-0\"><span data-offset-key=\"6ujmn-0-0\">\u00a0<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"b9iuq-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"b9iuq-0-0\"><span data-offset-key=\"b9iuq-0-0\">Aquando do pedido junto da institui\u00e7\u00e3o banc\u00e1ria, a apresentar preferencialmente por meios eletr\u00f3nicos, regra geral, atrav\u00e9s do homebanking, ou outro meio a disponibilizar pela institui\u00e7\u00e3o banc\u00e1ria ou financeira, \u00e9 necess\u00e1rio o preenchimento de declara\u00e7\u00e3o, sob compromisso de honra, que se encontra numa das situa\u00e7\u00f5es definidas para acesso \u00e0 Morat\u00f3ria<\/span><span data-offset-key=\"b9iuq-0-1\">. <\/span><span data-offset-key=\"b9iuq-0-2\">Adicionalmente, \u00e9 necess\u00e1rio fazer prova de ter a situa\u00e7\u00e3o regularizada junto da Seguran\u00e7a Social e da Autoridade Tribut\u00e1ria e Aduaneira.<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"3ck3a-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"3ck3a-0-0\"><span data-offset-key=\"3ck3a-0-0\">\u00a0<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"578uj-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"578uj-0-0\"><span data-offset-key=\"578uj-0-0\">A entidade banc\u00e1ria\/ financeira, tem o prazo de 5 dias \u00fateis ap\u00f3s a recep\u00e7\u00e3o da declara\u00e7\u00e3o para analisar o cumprimento dos requisitos legais, com efeitos \u00e0 data da apresenta\u00e7\u00e3o do pedido.<\/span><\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"60hsq-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"60hsq-0-0\">\u00a0<\/div>\n<\/div>\n<div class=\"jwLWP _2hXa7 _1dPe8 blog-post-text-font blog-post-text-color c1DFJ\" data-block=\"true\" data-editor=\"elshl\" data-offset-key=\"d7ms6-0-0\">\n<div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"d7ms6-0-0\"><span data-offset-key=\"d7ms6-0-0\">Adicionalmente, algumas institui\u00e7\u00f5es banc\u00e1rias, por iniciativa pr\u00f3pria, decidiram aplicar o regime legal da morat\u00f3ria aprovado pelo <\/span><a class=\"_2qJYG\" href=\"https:\/\/dre.pt\/application\/conteudo\/130779509\" target=\"_top\" rel=\"noopener noreferrer\"><span data-offset-key=\"d7ms6-1-0\">DL 10-J\/2020<\/span><\/a><span data-offset-key=\"d7ms6-2-0\">, a opera\u00e7\u00f5es banc\u00e1rias n\u00e3o abrangidas, nomeadamente quanto a cr\u00e9ditos habita\u00e7\u00e3o, para aquisi\u00e7\u00e3o de segunda habita\u00e7\u00e3o, e a cr\u00e9ditos pessoais.<\/span><\/div>\n<\/div>\n<div data-offset-key=\"d7ms6-0-0\">\u00a0<\/div>\n<div data-offset-key=\"d7ms6-0-0\">\u00a0<\/div>\n<\/div><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-column-overlay tatsu-animate-none\" ><\/div><\/div><style>.tatsu-row > .tatsu-2eU0xh6UE.tatsu-column{width: 100%;}.tatsu-2eU0xh6UE.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: normal;}.tatsu-2eU0xh6UE > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-2eU0xh6UE > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-2eU0xh6UE > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-2eU0xh6UE > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-2eU0xh6UE.tatsu-column{width: 100%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-2eU0xh6UE.tatsu-column{width: 100%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-2eU0xh6UE.tatsu-column{width: 100%;}}<\/style><\/div><\/div><\/div><\/div><div class=\"tatsu-section-background-wrap\"><div class = \"tatsu-section-background\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-section-overlay\"><\/div><style>.tatsu-7VD1QhhCTK .tatsu-section-pad{padding: 90px 0px 90px 0px;}.tatsu-7VD1QhhCTK .tatsu-section-offset-wrap{transform: translateY(-0px);}.tatsu-7VD1QhhCTK > .tatsu-bottom-divider{z-index: 9999;}.tatsu-7VD1QhhCTK > .tatsu-top-divider{z-index: 9999;}.tatsu-7VD1QhhCTK .tatsu-section-overlay{mix-blend-mode: normal;}<\/style><\/div>\n","protected":false},"excerpt":{"rendered":"<p><a href=\"https:\/\/rvfadvogados.com\/en\/moratoria-bancaria\/\" class=\"more-link style3-button\">Read More<\/a><\/p>","protected":false},"author":6,"featured_media":4024,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"MORAT\u00d3RIA BANC\u00c1RIA (COVID-19) - RVF advogados\/lawyers","_seopress_titles_desc":"Atrav\u00e9s do Decreto-Lei 10-J\/2020, o Estado aprovou uma morat\u00f3ria de capital e juros at\u00e9 30 de setembro de 2020, para empresas, empres\u00e1rios em nome individual, pessoas singulares e entidades do setor social, que verifiquem uma redu\u00e7\u00e3o tempor\u00e1ria da sua liquidez...(ler 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