{"id":195,"date":"2024-01-28T17:49:45","date_gmt":"2024-01-28T17:49:45","guid":{"rendered":"http:\/\/wpresidence.net\/?p=195"},"modified":"2024-01-28T17:49:45","modified_gmt":"2024-01-28T17:49:45","slug":"seguros-de-impago-evitan-la-morosidad-en-el-alquilerin-slider","status":"publish","type":"post","link":"https:\/\/alquila-piso.es\/pt\/seguros-de-impago-evitan-la-morosidad-en-el-alquilerin-slider\/","title":{"rendered":"Seguro de incumprimento: evita os atrasos no pagamento das rendas?"},"content":{"rendered":"<p>A crise econ\u00f3mica resultante da pandemia de COVID-19 \u00e9&nbsp;<strong>a destrui\u00e7\u00e3o das economias familiares<\/strong>. Um dos principais problemas que est\u00e1 a gerar \u00e9 a incapacidade de algumas fam\u00edlias para lidar com&nbsp;<strong>pagamentos de rendas.<\/strong>&nbsp;Como solu\u00e7\u00e3o, um n\u00famero crescente de propriet\u00e1rios est\u00e1 a optar por&nbsp;<strong>subscreva um seguro de incumprimento para evitar atrasos nos pagamentos<\/strong>.<\/p>\n\n\n\n<p>Este tipo de seguro relativamente novo est\u00e1 a atravessar um per\u00edodo de&nbsp;<strong>aumentos a partir de 2019<\/strong>%, quando aumentaram 35 % de acordo com os dados do&nbsp;<strong>Observatorio Espa\u00f1ol del Seguro de Impago de Alquiler (OESA) (Observat\u00f3rio Espanhol do Seguro de Incumprimento de Rendas)<\/strong>mas, na \u00e9poca pand\u00e9mica, o recrutamento duplicou, ao ponto de a OESA estimar que&nbsp;<strong>em 2021 o<\/strong>&nbsp;<strong>30 % dos novos contratos de arrendamento incluir\u00e3o um seguro de incumprimento.<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>\"A crise da COVID-19 fez com que os senhorios se sentissem mais inseguros em rela\u00e7\u00e3o a um eventual n\u00e3o pagamento.<\/strong>\", explica Emiliano Bermudez, diretor-geral adjunto da&nbsp;<strong>donpiso<\/strong>. \"O contexto vol\u00e1til em que vivemos torna tamb\u00e9m muito dif\u00edcil prever os futuros incumprimentos\", justifica.<\/p><\/blockquote>\n\n\n\n<p>Por este motivo, o perito considera que o <a href=\"https:\/\/alquila-piso.es\/pt\/alquila-piso-es-la-mejor-opcion-para-alquilar-tu-piso\/\">melhor op\u00e7\u00e3o<\/a> Para evitar situa\u00e7\u00f5es de incumprimento, deve subscrever estes seguros de incumprimento.<strong>\u00a0\"\u00c9 a melhor forma de garantir que o dinheiro vai chegar.<\/strong>Esta \u00e9 a tend\u00eancia que a sociedade est\u00e1 a seguir\", afirma Emiliano Berm\u00fadez, que acrescenta que \"\u00e9 a tend\u00eancia que a sociedade est\u00e1 a seguir\".<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-gallery columns-3 is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\"><ul class=\"blocks-gallery-grid\"><li class=\"blocks-gallery-item\"><figure><a href=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image4_large-1.jpg\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image4_large-1-1024x682.jpg\" alt=\"\" data-id=\"18907\" data-full-url=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image4_large-1.jpg\" data-link=\"https:\/\/esp.wpresidence.net\/?attachment_id=18907\" class=\"wp-image-18907\" srcset=\"https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image4_large-1-1024x682.jpg 1024w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image4_large-1-300x200.jpg 300w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image4_large-1-768x511.jpg 768w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image4_large-1-1536x1022.jpg 1536w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image4_large-1-105x70.jpg 105w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image4_large-1.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/li><li class=\"blocks-gallery-item\"><figure><a href=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/house2.jpg\"><img decoding=\"async\" width=\"800\" height=\"500\" src=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/house2.jpg\" alt=\"\" data-id=\"18906\" data-full-url=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/house2.jpg\" data-link=\"https:\/\/esp.wpresidence.net\/?attachment_id=18906\" class=\"wp-image-18906\" srcset=\"https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/house2.jpg 800w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/house2-300x188.jpg 300w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/house2-768x480.jpg 768w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/house2-525x328.jpg 525w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure><\/li><li class=\"blocks-gallery-item\"><figure><a href=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image7_large.jpg\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image7_large-1024x768.jpg\" alt=\"\" data-id=\"18905\" data-full-url=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image7_large.jpg\" data-link=\"https:\/\/esp.wpresidence.net\/propiedades\/alquiler-de-casa-en-el-plantio\/image7_large\/\" class=\"wp-image-18905\" srcset=\"https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image7_large-1024x768.jpg 1024w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image7_large-300x225.jpg 300w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image7_large-768x576.jpg 768w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image7_large-1536x1152.jpg 1536w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image7_large.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/li><li class=\"blocks-gallery-item\"><figure><a href=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image5_large.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image5_large-1024x576.jpg\" alt=\"\" data-id=\"18904\" data-full-url=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image5_large.jpg\" data-link=\"https:\/\/esp.wpresidence.net\/propiedades\/alquiler-de-casa-en-el-plantio\/image5_large\/\" class=\"wp-image-18904\" srcset=\"https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large-1024x576.jpg 1024w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large-300x169.jpg 300w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large-768x432.jpg 768w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large-1536x864.jpg 1536w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large-255x143.jpg 255w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large-1110x623.jpg 1110w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/li><\/ul><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Como funciona o seguro de prote\u00e7\u00e3o contra o incumprimento?<\/h2>\n\n\n\n<p><strong>\"O seguro contra o n\u00e3o pagamento de <a class=\"wpil_keyword_link\" href=\"https:\/\/alquila-piso.es\/pt\/property-submit-front\/\"   title=\"aluguer\" data-wpil-keyword-link=\"linked\">aluguer<\/a> cobre a renda acordada no momento da assinatura at\u00e9 12 meses de falta de pagamento\".<\/strong>explica Emiliano Berm\u00fadez. Desta forma, o senhorio assegura a sua renda mensal e evita situa\u00e7\u00f5es de incumprimento por parte do inquilino.<\/p>\n\n\n\n<p>Para al\u00e9m da falta de pagamento, estes seguros oferecem outras coberturas. \"Uma vez contratado o seguro\", diz Emiliano Berm\u00fadez, \"\u00e9 comum acrescentar a prote\u00e7\u00e3o contra danos na casa ou roubo. Que, por sua vez, s\u00e3o as&nbsp;<strong>principal causa de lit\u00edgio<\/strong>&nbsp;entre o senhorio e o inquilino\", acrescenta.<\/p>\n\n\n\n<p>Para o especialista, a subscri\u00e7\u00e3o de um seguro tem tamb\u00e9m vantagens para o inquilino, pois permite-lhe beneficiar de um al\u00edvio financeiro em caso de impossibilidade de fazer face \u00e0s despesas de arrendamento. <a href=\"https:\/\/alquila-piso.es\/pt\/quien-paga-la-reparacion-de-la-vivienda-en-alquiler\/\">pagamentos de rendas<\/a>. \"Com uma cobertura completa, o inquilino&nbsp;<strong>evite poss\u00edveis situa\u00e7\u00f5es desagrad\u00e1veis. Por exemplo, se for inclu\u00eddo na lista dos incumpridores ou mesmo se for despejado.<\/strong>\"Ele acredita.<\/p>\n\n\n\n<p><strong>\"O seguro de incumprimento \u00e9 um instrumento muito conveniente\".<\/strong>pensa ele. E prev\u00ea que, no futuro, haver\u00e1 cada vez mais ap\u00f3lices no sector do aluguer. \"Tal como acontece com o seguro autom\u00f3vel, por exemplo,&nbsp;<strong>s\u00e3o suscept\u00edveis de se tornarem, com o tempo, uma condi\u00e7\u00e3o necess\u00e1ria para o arrendamento.<\/strong>\", arrisca.<\/p>","protected":false},"excerpt":{"rendered":"<p>La crisis econ\u00f3mica derivada de la pandemia de la COVID-19 est\u00e1&nbsp;haciendo estragos en las econom\u00edas familiares. Una de las principales problem\u00e1ticas que est\u00e1 generando es la incapacidad para algunas familias de afrontar&nbsp;los pagos del alquiler.&nbsp;Como soluci\u00f3n, cada vez m\u00e1s arrendadores optan por&nbsp;contratar un seguro de impago para evitar la morosidad. La contrataci\u00f3n de este tipo [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18829,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[87,88,89,90],"tags":[91,25,92],"class_list":["post-195","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bienes-raices","category-compra-de-propiedades","category-localizacion-de-alquileres","category-precio-de-alquileres","tag-immobiliaria","tag-madrid","tag-precio"],"_links":{"self":[{"href":"https:\/\/alquila-piso.es\/pt\/wp-json\/wp\/v2\/posts\/195","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alquila-piso.es\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alquila-piso.es\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alquila-piso.es\/pt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alquila-piso.es\/pt\/wp-json\/wp\/v2\/comments?post=195"}],"version-history":[{"count":3,"href":"https:\/\/alquila-piso.es\/pt\/wp-json\/wp\/v2\/posts\/195\/revisions"}],"predecessor-version":[{"id":23229,"href":"https:\/\/alquila-piso.es\/pt\/wp-json\/wp\/v2\/posts\/195\/revisions\/23229"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alquila-piso.es\/pt\/wp-json\/wp\/v2\/media\/18829"}],"wp:attachment":[{"href":"https:\/\/alquila-piso.es\/pt\/wp-json\/wp\/v2\/media?parent=195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alquila-piso.es\/pt\/wp-json\/wp\/v2\/categories?post=195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alquila-piso.es\/pt\/wp-json\/wp\/v2\/tags?post=195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}