A partilha de um imóvel financiado conjuntamente por um ex-casal é feita levando em conta que o imóvel está alienado ao banco, então ele ainda não é uma propriedade dos recém-divorciados até ser quitado.
Na comunhão parcial, tudo o que é adquirido depois do casamento, até as dívidas, passa a ser do casal. Assim, se os cônjuges decidiram financiar uma casa depois do casamento, o entendimento é que as parcelas foram pagas pelos dois de forma igual, independentemente de quanto foi a contribuição de cada um.
Após a separação, as parcelas pendentes podem ser assumidas totalmente por um dos ex-companheiros, mas essa pessoa terá de passar por uma análise de crédito do banco para continuar com a operação. Um problema possível é não ter renda suficiente para arcar com o resto das parcelas, se a operação original foi contraída com base na renda somada do casal.
É importante dizer que, se nada for comunicado à instituição credora, o ex-casal continua responsável pela dívida conjuntamente. A análise empreendida pelos bancos na hora de aprovar o crédito “sempre vai considerar o casal” como comprador na comunhão total ou parcial de bens, mas não necessariamente a renda para as parcelas precisa vir dos salários somados. Por isso, os ex-cônjuges precisam decidir entre si o que fazer com a dívida.
Uma saída possível é que um deles receba uma compensação pela parte do imóvel que lhe cabe e o financiamento continue sendo amortizado pelo outro até que as parcelas sejam quitadas (tornando essa pessoa a única proprietária).
Mas alguns ex-casais acham mais fácil, para fazer a partilha de imóvel financiado, vendê-lo. Assim, é possível quitar a dívida em aberto. Porém, o banco precisa ser consultado e deverá emitir um boleto com o saldo devedor a ser quitado. A outra parte fica com o ex-casal, que reparte os recursos entre si.
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