Contrato de fiança
Atualizado a | Setembro 2010 |
Expressando por escrito e compondo livremente as suas vontades, de um lado ... [qualificar com: nome completo, estado civil, profissão, nacionalidade, endereço, número da identidade] (CREDOR) e de outro lado ... [qualificar] (FIADOR), realizam entre si o presente Contrato de Fiança, conforme as cláusulas que a seguir são dispostas [importante: para a realização do Contrato de Fiança, não é necessário o consentimento do DEVEDOR e tal contrato pode ser realizado mesmo contra a vontade do DEVEDOR – ver art. 820 do Código Civil].
Cláusula Primeira: A dívida garantida pelo FIADOR perante o CREDOR através do presente contrato é de responsabilidade do DEVEDOR ... [especificar o DEVEDOR e qualificá-lo] (AFIANÇADO) ... [na presente cláusula, deve ser definida com detalhes a dívida garantida pelo FIADOR, especialmente indicando quem é o DEVEDOR e as informações que permitam identificar o contrato feito entre DEVEDOR e CREDOR (onde a obrigação do DEVEDOR se define); deve-se ter em mente o teor do art. 822 do Código Civil Brasileiro: “Não sendo limitada, a fiança compreenderá todos os acessórios da dívida principal, inclusive as despesas judiciais, desde a citação do fiador.”; pode-se definir, na presente cláusula, um limite de valor para a fiança; pode-se definir, na presente cláusula, um limite de tempo dentro do qual estariam as obrigações garantidas, excluindo-se garantia sobre obrigações surgidas depois de data especificada].
Cláusula Segunda: [opcional conforme a vontade das partes; através da presente cláusula exclui-se o benefício de ordem – ver arts. 827 e 828, II do Código Civil Brasileiro] O FIADOR obriga-se, perante o CREDOR, como devedor solidário ao lado do AFIANÇADO, excluindo-se desde logo o benefício de ordem a que alude o artigo 827 do Código Civil Brasileiro.
Cláusula Terceira: [opcional conforme a vontade das partes; a presente cláusula somente pode fazer parte do presente contrato se houver mais de um FIADOR e serve para estabelecer limitação do valor garantido por cada um dos FIADORES] A obrigação de cada um dos FIADORES se limita da seguinte forma: a) o FIADOR ... [indicar um dos FIADORES], qualificado na Cláusula ... (supra) garante a dívida do AFIANÇADO até o montante de R$ ... (... Reais e ... centavos); e b) o FIADOR ... [indicar outro dos FIADORES], qualificado na Cláusula ... (supra) garante a dívida do AFIANÇADO até o montante de R$ ... (... Reais e ... centavos) [incluir limitações específicas para quantos forem os...
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