To buy properties in the plant, consumer has the right to choose the funding
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SÃO PAULO - Entities of the consumer alert: to buy properties in the plant, consumer has the right to choose the financing institution.
The warning is necessary because, according to Ibedec (Brazilian Institute for Study and Defense of the Consumer Relations), usually when the property is delivered, it requires the payment of portions of the keys, which should be done on demand or through bank financing. Today, however, is that many builders require that you hire a pre-established bank.
Moreover, the bank that financed the project even has the right to make mortgages on units sold or refuse to accept the financing of the consumer unit by another institution, inform the Office.
"Any consumer who is denied in this situation should be subject to abuse and seek Procon or the Justice," said the organization's president, José Geraldo Tardin.
Venda casada
Understanding of organizations of consumer protection, requiring a person to hire a bank pre-determined to make the real estate financing is characterized as a venda married, a practice that hurts the CDC (Consumer Defense Code).
"The Consumer Defense Code prohibits the practice of selling married and zero rate of any contractual clause that places the consumer at a disadvantage in relation to the supplier or remove rights that ensures the CDC," recalls Tardin.
Similar view has the assistant director of the Fundação Procon-SP, Valéria Cunha. However, she says, consumers should find good, because often hire the plane indicated by the manufacturer may be the best option, not only by the issue of price, but also by the facility.
"Consumers should have complete freedom to choose the best financing that it should. And the construction should make this very clear. On the other hand, generally indicated by the construction company, the consumer will find easier to obtain credit. So is very important that whoever is buying a property search for the very interest rates and the facilities of each institution, "he said.
By: Gladys Magalhães Ferraz
Infomoney
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This article was translated by an automatic translation system, and was therefore not reviewed by people.
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