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Jornal Ponto Inicial – Caxias do Sul perde quase 4 mil vidas no “ano da pandemia”

O avanço desenfreado da pandemia de coronavírus no Brasil fez o número de atos de transferências de bens disparar no Brasil.

Segundo dados do Colégio Notarial do Brasil – Seção Rio de Janeiro, somente no estado fluminense, foram mais de 10 mil solicitações no segundo semestre de 2020, 4,5 mil pedidos a mais do que no semestre anterior. Na comparação com o mesmo período de 2019, o aumento é de 80,4%.

Em Belo Horizonte, o crescimento no mesmo tipo de serviço foi de 53,78% no segundo semestre de 2020, em relação aos primeiros seis meses do ano. O especialista em gestão de risco e planejamento financeiro Hilton Vieira explica que as incertezas provocadas pela pandemia levaram as pessoas a se preocuparem com a gestão e a sucessão de patrimônio.

“Geralmente, as pessoas se esforçam muito para construir um patrimônio com bens e aplicações financeiras que apresentem boa rentabilidade e liquidez.

Entretanto, um dos pontos mais importantes no planejamento financeiro sempre foi deixado de lado, o planejamento sucessório. Mas isso está mudando por causa da pandemia”, avalia.

Quando uma pessoa morre, a família precisa lidar com inventário em um caro e burocrático procedimento judicial. É preciso dispor de dinheiro para o pagamento de impostos e advogados.

“Os dois maiores problemas para a conclusão de um inventário são as despesas envolvidas e as disputas judiciais entre os herdeiros.

Quando os herdeiros não apresentam o montante necessário para a quitação, podem fazer uma solicitação ao juiz para que um dos bens seja disponibilizado para a venda. Nesse momento, muitas famílias passam a vender o patrimônio em um valor abaixo do mercado para quitar dívidas”, afirma Vieira.

O especialista explica que há várias formas de fazer a sucessão. Cada uma delas apresenta custos que, muitas vezes, podem consumir entre 10% e 20% do patrimônio.

Além da transferência de bens em vida, o mercado oferece opções como a previdência privada, testamento e holding, que permite uma excelente organização patrimonial, pois você já consegue efetuar a divisão das cotas no momento presente, mas também possui a incidência de impostos, e o seguro.

“Essa última opção é a mais vantajosa, pois é livre de ITCMD, é impenhorável e apresenta liquidez imediata, assim a família não precisa se desfazer de parte do seu patrimônio para dar prosseguimento ao processo de inventário”, afirma Vieira.

Antes de escolher a melhor opção para a sucessão, é preciso fazer contas. “Muita gente quer se prevenir e deixar a família protegida, mas é preciso ter em mente que o procedimento de transferência, holding e testamento requerem a aplicação imediata de recursos para pagamentos de impostos e despesas de cartório, dependendo da escolha.

A previdência privada não entra no processo de inventário e traz alguma liquidez para a família conseguir iniciar o processo de transferência de bens, mas é preciso somar o montante adequado para iniciar o processo. O aporte de recursos é maior. Analisando os números, a opção menos onerosa é o seguro”, observa.

O seguro consegue trazer um montante de capital alto e de forma muito rápida, com o pagamento de uma fração do prêmio.

“Esse recurso poderá ser utilizado no pagamento do inventário e na manutenção do padrão de vida até que os bens sejam distribuídos”, finaliza.

 

Fonte: Jornal Contábil

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