Banco que retoma imóvel de inadimplente responde por dívida de condomínio

Por Conjur

Bancos que retomam imóveis de clientes inadimplentes passam a ser responsáveis pelas dívidas de condomínio. De acordo com decisão da 32ª Câmara de Direito Privado do Tribunal de Justiça de São Paulo, esse tipo de débito está ligado ao bem, e não ao comprador. A decisão foi de redirecionar uma execução de cobrança do comprador para o banco que tomou o imóvel por falta de pagamento das prestações.

Relator do recurso, o desembargador Caio Marcelo Mendes de Oliveira entendeu que o banco passa a ser responsável pelas dívidas do imóvel a partir do momento em que retoma a propriedade. Mesmo que as dívidas sejam anteriores à retomada.

Em longo voto, Caio Mendes explicou que as dívidas condominiais são ligadas ao imóvel (são de “natureza propter rem“, conforme escreveu no voto). Por isso, o titular é responsável por pagá-la mesmo que não tenha participado da parte de conhecimento. O banco pedia para ser excluído do processo de execução por não ter participado do processo principal.

“No campo das dívidas condominiais, o próprio imóvel representa a garantia da solvibilidade desses débitos. Dessa forma, eventual alteração na propriedade da res no transcurso da ação de cobrança (processo de conhecimento ou execução/cumprimento de sentença), não obriga o exequente a ajuizar nova demanda em face dos atuais proprietários”, disse o desembargador.

“O artigo 1.345 do Código Civil decidiu não onerar o condomínio, determinando a responsabilidade do adquirente em relação às despesas condominiais e multa acrescidos antes da compra do bem imóvel. Deve-se privilegiar, dessa forma, o interesse coletivo da comunidade de condôminos em não arcar com as despesas da unidade inadimplente”, completou.

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