Acelerando o crédito
Governo estuda mudar código civil para dar mais garantia e impulsionar financiamentosGeralda Docageralda@bsb.oglobo.com.brNovas regras. Pátio da montadora Volkswagen em São Bernando do Campo (SP): bancos prometem que, com mais facilidade para a retomada de inadimplentes, vão reduzir os jurosMarcos AlvesNovo incentivo para carrosBRASÍLIAO governo avalia que a liberação de parte dos compulsórios (recursos que os bancos são obrigados a depositar no Banco Central) não será suficiente para destravar o crédito para veículos e motos. É preciso facilitar a retomada do bem, em caso de inadimplência, a fim de vencer a resistência dos bancos. Para isso, o Ministério da Fazenda está discutindo com as instituições financeiras e o Ministério da Justiça um pacote de medidas, com objetivo de tornar mais ágil o processo de execução da garantia, que é o próprio bem financiado. Segundo uma fonte da equipe econômica, o governo pretende enviar ao Congresso Nacional ainda este semestre uma proposta para alterar o Código Civil, a fim de implementar as novas regras.As mudanças na legislação foram alinhavadas pelos bancos e estão sob análise dos Ministérios da Fazenda e da Justiça. Uma das medidas em discussão é unificar e padronizar o processo de busca e apreensão do bem, pois as regras são distintas entre os estados, o que dificulta a retomada. Outra medida é acabar com a obrigatoriedade da notificação ao cliente inadimplente ser feita pelo oficial de Justiça e permitir que as polícias Militar e Rodoviária apreendam o carro, em uma blitz, por exemplo. Atualmente, essa é uma prerrogativa do oficial de Justiça e, em alguns estados, como no Rio, o bem só pode ser retomado com hora marcada e no endereço do cliente. A apreensão continuaria dependendo de uma decisão judicial.CUSTO PARA RETOMAR É DE ATÉ R$ 9 MILConstam ainda do pacote medidas para impedir o bloqueio do bem para pagamento de dívidas a terceiros (penhora). E mudança nas regras para autorizar o cliente a pagar o principal da dívida, em caso de questionamento de juros abusivos na Justiça. O objetivo é que o tomador pague o principal e deposite o valor dos juros em juízo. Os bancos alegam que há no país uma indústria de liminares, que paralisam todo o processo em casos de inadimplência. Também chamam a atenção para os "classificados" em que se anunciam veículos "NP" (não pagos), por preços bem abaixo da avaliação de mercado. Esses bens não poderiam ser...
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