{"id":10922,"date":"2019-11-18T11:43:54","date_gmt":"2019-11-18T11:43:54","guid":{"rendered":"http:\/\/economiasa.com.br\/?p=10922"},"modified":"2019-11-18T11:43:54","modified_gmt":"2019-11-18T11:43:54","slug":"banco-oferecer-seguros-para-diminuir-juros-ao-financiar-um-imovel-e-pratica-ilegal","status":"publish","type":"post","link":"https:\/\/economiasa.com.br\/blog\/banco-oferecer-seguros-para-diminuir-juros-ao-financiar-um-imovel-e-pratica-ilegal\/","title":{"rendered":"Banco oferecer seguros para diminuir juros ao financiar um im\u00f3vel \u00e9 pr\u00e1tica ilegal"},"content":{"rendered":"<h5 style=\"text-align: center;\"><em>O ato pode configurar venda casada, e os consumidores podem reclamar para evitar que continue a acontecer<\/em><\/h5>\n<p style=\"text-align: right;\"><strong>POR: Toda Comunica\u00e7\u00e3o<\/strong><\/p>\n<p>\u00c9 comum que, no momento de realizar empr\u00e9stimos ou financiar um novo im\u00f3vel com o banco, ele ofere\u00e7a o cart\u00e3o ou seguro de vida para diminuir os juros no contrato.\u00a0 At\u00e9 mesmo em alguns sites para simula\u00e7\u00e3o de empr\u00e9stimos, \u00e9 oferecida a diminui\u00e7\u00e3o da taxa de juros para quem se tornar cliente ou contratar o servi\u00e7o.<\/p>\n<p>\u201cEsse tipo de situa\u00e7\u00e3o \u00e9 totalmente proibida pelo C\u00f3digo de Defesa\u201d, conta Dra. Sabrina Rui, advogada em direito tribut\u00e1rio e imobili\u00e1rio. Isso acontece pois pode configurar uma venda casada: condicionar a venda de um produto ou servi\u00e7o \u00e0 aquisi\u00e7\u00e3o de outro, pr\u00e1tica ilegal.<\/p>\n<p>\u201cExiste uma linha t\u00eanue entre o relacionamento com o cliente e uma venda casada\u201d, relata a Dra. Apesar dos riscos, o ato ainda \u00e9 reproduzido por diversas institui\u00e7\u00f5es financeiras.<\/p>\n<p>Al\u00e9m de ser uma pr\u00e1tica legalmente proibida, tamb\u00e9m pode desenvolver um sentimento de amea\u00e7a para com o consumidor, j\u00e1 que, aquele que precisa de um empr\u00e9stimo se sente na obriga\u00e7\u00e3o de aceitar ou n\u00e3o reclamar, ou seja, pode coagi-lo.<\/p>\n<p>\u201cA situa\u00e7\u00e3o j\u00e1 chegou aos olhos da Defesa do Consumidor, ent\u00e3o \u00e9 preciso que as pessoas sejam alertadas e fa\u00e7am reclama\u00e7\u00f5es para que o minist\u00e9rio possa tomar as provid\u00eancias cab\u00edveis\u201d, esclarece.<\/p>\n<p>Reclamar no Procon ou no portal consumidor.gov.br s\u00e3o queixas formais e fornecem dados para que as entidades envolvidas estudem e resolvam o caso, para passar a evitar que a situa\u00e7\u00e3o aconte\u00e7a no futuro.<\/p>\n<p><strong>Servi\u00e7o: Dra. Sabrina Marcolli Rui <\/strong><\/p>\n<p><strong>Advogada em direito tribut\u00e1rio e imobili\u00e1rio<\/strong><\/p>\n<p><strong><a href=\"http:\/\/www.sr.adv.br\">www.sr.adv.br<\/a><\/strong><\/p>\n<p><strong>SR Advogados Associados<\/strong><\/p>\n<p><strong>@sradvogadosassociados<\/strong><\/p>\n<p><strong>@sradvassociados<\/strong><\/p>\n<p><strong>(41) 3077-6474<\/strong><\/p>\n<p><strong>Rua Riachuelo, n\u00ba 102 \u2013 20\u00ba andar \u2013 sala 202, centro \u2013 Curitiba.<\/strong><\/p>\n<p><strong>(44) 3028-9219<\/strong><\/p>\n<p><strong>Av. Paran\u00e1, n. 466, sala 1, centro \u2013 Maring\u00e1 \u2013 PR<\/strong><\/p>\n<p><strong>Face: sradvogadosassociados<\/strong><strong><br \/>\nInsta: sradvassociados<br \/>\nSite: sr.adv.br<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>O ato pode configurar venda casada, e os consumidores podem reclamar para evitar que continue a acontecer POR: Toda Comunica\u00e7\u00e3o \u00c9 comum&#8230;<\/p>\n","protected":false},"author":2,"featured_media":10925,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2160],"tags":[4326,4327,4328],"ppma_author":[13249],"class_list":{"0":"post-10922","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-financas","8":"tag-banco","9":"tag-diminuir-juros","10":"tag-financiar-um-imovel"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Banco oferecer seguros para diminuir juros ao financiar um im\u00f3vel \u00e9 pr\u00e1tica ilegal - Economia S\/A<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/economiasa.com.br\/blog\/banco-oferecer-seguros-para-diminuir-juros-ao-financiar-um-imovel-e-pratica-ilegal\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banco oferecer seguros para diminuir juros ao financiar um im\u00f3vel \u00e9 pr\u00e1tica ilegal - Economia S\/A\" \/>\n<meta property=\"og:description\" content=\"O ato pode configurar venda casada, e os consumidores podem reclamar para evitar que continue a acontecer POR: Toda Comunica\u00e7\u00e3o \u00c9 comum...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/economiasa.com.br\/blog\/banco-oferecer-seguros-para-diminuir-juros-ao-financiar-um-imovel-e-pratica-ilegal\/\" \/>\n<meta property=\"og:site_name\" content=\"Economia S\/A\" \/>\n<meta property=\"article:published_time\" content=\"2019-11-18T11:43:54+00:00\" \/>\n<meta name=\"author\" content=\"HERNANE OLIVEIRA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"HERNANE OLIVEIRA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/economiasa.com.br\/blog\/banco-oferecer-seguros-para-diminuir-juros-ao-financiar-um-imovel-e-pratica-ilegal\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/economiasa.com.br\/blog\/banco-oferecer-seguros-para-diminuir-juros-ao-financiar-um-imovel-e-pratica-ilegal\/\"},\"author\":{\"name\":\"HERNANE OLIVEIRA\",\"@id\":\"https:\/\/economiasa.com.br\/blog\/#\/schema\/person\/6def2515a5d11b1de9cbbbe9ebe10f75\"},\"headline\":\"Banco oferecer seguros para diminuir juros ao financiar um im\u00f3vel \u00e9 pr\u00e1tica ilegal\",\"datePublished\":\"2019-11-18T11:43:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/economiasa.com.br\/blog\/banco-oferecer-seguros-para-diminuir-juros-ao-financiar-um-imovel-e-pratica-ilegal\/\"},\"wordCount\":347,\"image\":{\"@id\":\"https:\/\/economiasa.com.br\/blog\/banco-oferecer-seguros-para-diminuir-juros-ao-financiar-um-imovel-e-pratica-ilegal\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"Banco\",\"diminuir juros\",\"financiar um im\u00f3vel\"],\"articleSection\":[\"Finan\u00e7as\"],\"inLanguage\":\"pt-BR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/economiasa.com.br\/blog\/banco-oferecer-seguros-para-diminuir-juros-ao-financiar-um-imovel-e-pratica-ilegal\/\",\"url\":\"https:\/\/economiasa.com.br\/blog\/banco-oferecer-seguros-para-diminuir-juros-ao-financiar-um-imovel-e-pratica-ilegal\/\",\"name\":\"Banco oferecer seguros para diminuir juros ao financiar um im\u00f3vel \u00e9 pr\u00e1tica ilegal - 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