{"id":2947,"date":"2020-09-25T16:12:17","date_gmt":"2020-09-25T19:12:17","guid":{"rendered":"https:\/\/blog.minhaportaria.com\/?p=2947"},"modified":"2020-09-25T16:12:17","modified_gmt":"2020-09-25T19:12:17","slug":"tudo-sobre-fundo-de-reserva-de-condominio","status":"publish","type":"post","link":"https:\/\/minhaportaria.com\/es\/administracao-de-condominios\/tudo-sobre-fundo-de-reserva-de-condominio\/","title":{"rendered":"Tudo sobre fundo de reserva de condom\u00ednio"},"content":{"rendered":"
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Neste artigo, compilamos todas as informa\u00e7\u00f5es necess\u00e1rias sobre o que \u00e9 um fundo de reserva de condom\u00ednio e como ele pode ajudar nas despesas do seu condom\u00ednio<\/strong><\/em><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Quando se mora em condom\u00ednio, existem v\u00e1rias taxas que fazem parte dos gastos mensais de um pr\u00e9dio.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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O s\u00edndico, durante o seu mandato, precisa estar atento a cada um desses custos para conseguir fazer uma boa gest\u00e3o e, claro, n\u00e3o terminar o m\u00eas no vermelho.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Al\u00e9m disso, ter um controle de todos os investimentos mensais do condom\u00ednio auxilia na hora de identificar os pontos financeiros<\/a> que merecem aten\u00e7\u00e3o.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Com isso, um s\u00edndico pode atuar de forma preventiva e manter o valor do condom\u00ednio dentro do razo\u00e1vel e atrativo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Diante disso, surge a import\u00e2ncia de se compreender o que \u00e9 o fundo de reserva do condom\u00ednio, como ele funciona, quem \u00e9 respons\u00e1vel por ele, entre outras peculiaridades.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Vamos l\u00e1?<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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O que \u00e9 o fundo de reserva do condom\u00ednio?<\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Se voc\u00ea \u00e9 s\u00edndico ou morador de condom\u00ednio, certamente j\u00e1 ouviu falar neste termo.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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O fundo de reserva do condom\u00ednio \u00e9, como o pr\u00f3prio nome indica, uma \u201creserva\u201d de dinheiro realizada pelos pr\u00e9dios, como forma de se precaver diante de despesas imprevistas, ou, ent\u00e3o, para situa\u00e7\u00f5es pontuais.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Desta forma, o fundo de reserva tamb\u00e9m pode ser associado a uma \u201cpoupan\u00e7a\u201d, atrav\u00e9s da qual se guarda dinheiro para eventuais emerg\u00eancias ou planejamentos espec\u00edficos – que, no caso de condom\u00ednios, podem ser obras, manuten\u00e7\u00f5es ou valoriza\u00e7\u00f5es.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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O fundo de reserva de um condom\u00ednio existe de forma preventiva, de modo que, diante de um imprevisto, os gastos financeiros dos cond\u00f4minos n\u00e3o ser\u00e3o comprometidos.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Por certo, sua finalidade \u00e9 servir de suporte financeiro para o condom\u00ednio.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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O fundo de reserva \u00e9 obrigat\u00f3rio?<\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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N\u00e3o, o condom\u00ednio n\u00e3o \u00e9 obrigado a instituir um fundo de reserva.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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A Lei 4.591\/64, que disp\u00f5e sobre condom\u00ednios, apesar de mencionar a possibilidade de cria\u00e7\u00e3o do fundo, nada diz sobre sua obrigatoriedade.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Mas, \u00e9 claro, por mais que o fundo de reserva n\u00e3o seja obrigat\u00f3rio, ele consiste numa estrat\u00e9gia financeira muito importante para que o condom\u00ednio sempre se mantenha em dia com seus gastos e n\u00e3o seja surpreendido ao longo do caminho.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Como criar um fundo de reserva do condom\u00ednio?<\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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A Lei 4.591\/64 disp\u00f5e que \u00e9 a conven\u00e7\u00e3o do condom\u00ednio que deve determinar as formas de contribui\u00e7\u00e3o para cria\u00e7\u00e3o de um fundo de reserva.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Desta forma, a situa\u00e7\u00e3o padr\u00e3o \u00e9 que esse fundo seja institu\u00eddo na conven\u00e7\u00e3o<\/b>, com as delimita\u00e7\u00f5es sobre as formas e prazo de arrecada\u00e7\u00e3o, o valor da contribui\u00e7\u00e3o, e a finalidade do fundo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Como n\u00e3o existe outra legisla\u00e7\u00e3o brasileira que mencione o fundo de reserva de condom\u00ednios, cabe aos pr\u00f3prios moradores estipularem as regras que v\u00e3o reger o fundo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Essas decis\u00f5es devem ser tomadas em assembleia e constar nos documentos pertinentes do condom\u00ednio.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Outro ponto importante que deve ser analisado na cria\u00e7\u00e3o do fundo de reserva \u00e9 se os valores recolhidos ser\u00e3o utilizados para despesas extraordin\u00e1rias e\/ou ordin\u00e1rias<\/b>, para que n\u00e3o gere desaven\u00e7as futuras sobre o uso do fundo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Se caso n\u00e3o tenha previs\u00e3o do fundo de reserva na conven\u00e7\u00e3o de condom\u00ednio (que normalmente \u00e9 feita na cria\u00e7\u00e3o do edif\u00edcio), o ideal \u00e9 que ele passe por uma aprova\u00e7\u00e3o atrav\u00e9s de assembleias. Em ambos os casos, o qu\u00f3rum necess\u00e1rio para que o fundo seja institu\u00eddo \u00e9 de dois ter\u00e7os dos cond\u00f4minos.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Por fim, ap\u00f3s a cria\u00e7\u00e3o do fundo, \u00e9 importante buscar uma institui\u00e7\u00e3o financeira para realizar o dep\u00f3sito dos valores, para que o real valor da quantia n\u00e3o seja perdido com o passar do tempo.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Quanto deve ser o valor do fundo de reserva?<\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Normalmente, o valor estipulado para contribui\u00e7\u00e3o de cada cond\u00f4mino \u00e9 de <\/span>5% a 10% da arrecada\u00e7\u00e3o condominial.<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Ou seja, essa porcentagem \u00e9 calculada com base no valor da taxa de condom\u00ednio, paga mensalmente pelos moradores.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Para exemplificar, considere o seguinte cen\u00e1rio: um condom\u00ednio com uma taxa condominial mensal de R$200,00 e com contribui\u00e7\u00e3o de 5% para o fundo de reserva, o valor a ser pago para o fundo, por morador, \u00e9 de R$10,00.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\u00c9 claro que o condom\u00ednio est\u00e1 livre para dispor, em suas regras internas, sobre o percentual que deseja arrecadar, podendo ser diferente de 5% a 10% da taxa condominial.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Al\u00e9m disso, outras medidas podem ser criadas para incentivar a contribui\u00e7\u00e3o ao fundo de reserva, como, por exemplo, o direcionamento dos valores cobrados e recolhidos \u00e0 t\u00edtulo de multa ao referido fundo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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A\u00ed entra a import\u00e2ncia de definir os pormenores do fundo de reserva em assembleia, com a concord\u00e2ncia da maioria dos cond\u00f4minos, para que n\u00e3o haja surpresas durante a arrecada\u00e7\u00e3o.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Com rela\u00e7\u00e3o ao valor total a ser arrecadado pelo fundo de reserva, o ideal \u00e9 que seja equivalente ao valor de tr\u00eas meses de receita condominial. <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Ou seja, se um condom\u00ednio arrecada, em fundos, taxas e multas, um valor mensal de R$25.000,00, o saldo ideal para o fundo de reserva \u00e9 de R$ 75.000,00.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Vale destacar que, de acordo com finalidade de cada fundo, o ideal \u00e9 que ele continue a ser arrecadado, mesmo ap\u00f3s alcan\u00e7ado o valor ideal de saldo.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Dicas para valoriza\u00e7\u00e3o do fundo de reserva<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Outro ponto que merece destaque \u00e9 com rela\u00e7\u00e3o \u00e0 escolha de uma institui\u00e7\u00e3o financeira para o dep\u00f3sito dos valores do fundo. <\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Essa atitude \u00e9 importante para que o valor n\u00e3o se desvalorize com o tempo.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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O s\u00edndico ainda pode optar por investir ou aplicar o dinheiro do fundo de reserva, em opera\u00e7\u00f5es cujo resgate seja em curto prazo, para valorizar ainda mais o patrim\u00f4nio financeiro do condom\u00ednio.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Al\u00e9m disso, sugere-se que a conta banc\u00e1ria em que ser\u00e1 depositado o fundo de reserva seja diferente daquela voltada para as despesas do condom\u00ednio.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Essa \u00e9 uma forma de levar mais seguran\u00e7a, controle financeiro e transpar\u00eancia \u00e0 gest\u00e3o do s\u00edndico.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Para voc\u00ea, s\u00edndico, manter os gastos do seu condom\u00ednio de forma controlada, lembre-se de utilizar nossas calculadoras de\u00a0<\/span>Taxa de Condom\u00ednio<\/a>\u00a0e de\u00a0<\/span>Taxa de Inadimpl\u00eancia<\/a>. Para baix\u00e1-las gratuitamente, \u00e9 s\u00f3 clicar nos respectivos links.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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A finalidade do fundo de reserva<\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Conforme mencionado acima, o fundo deve ser institu\u00eddo em assembleia, com aprova\u00e7\u00e3o da maioria dos cond\u00f4minos. <\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Durante a assembleia, um dos pontos que deve ser discutido \u00e9 com rela\u00e7\u00e3o \u00e0 finalidade do fundo de reserva.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Normalmente, o fundo ser\u00e1 direcionado para as despesas extraordin\u00e1rias e ordin\u00e1rias do condom\u00ednio. Mas, al\u00e9m dessas despesas, os fundos tamb\u00e9m podem ter uma finalidade espec\u00edfica.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Abaixo, vamos explicar cada uma dessas modalidades.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Despesas extraordin\u00e1ria<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Prioritariamente, o fundo de reserva busca atender \u00e0s despesas extraordin\u00e1rias do condom\u00ednio.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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A Lei n\u00ba 8.245\/91, conhecida como Lei do Inquilinato, determina que as despesas extraordin\u00e1rias s\u00e3o:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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a) obras de reformas ou acr\u00e9scimos que interessem \u00e0 estrutura integral do im\u00f3vel;<\/p>

b) pintura das fachadas, empenas, po\u00e7os de aera\u00e7\u00e3o e ilumina\u00e7\u00e3o, bem como das esquadrias externas;<\/p>

c) obras destinadas a repor as condi\u00e7\u00f5es de habitabilidade do edif\u00edcio;<\/p>

d) indeniza\u00e7\u00f5es trabalhistas e previdenci\u00e1rias pela dispensa de empregados, ocorridas em data anterior ao in\u00edcio da loca\u00e7\u00e3o;<\/p>

e) instala\u00e7\u00e3o de equipamento de seguran\u00e7a e de inc\u00eandio, de telefonia, de intercomunica\u00e7\u00e3o, de esporte e de lazer;<\/p>

f) despesas de decora\u00e7\u00e3o e paisagismo nas partes de uso comum;<\/p>

g) constitui\u00e7\u00e3o de fundo de reserva.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Desta forma, as despesas extraordin\u00e1rias s\u00e3o direcionadas \u00e0 estrutura f\u00edsica do pr\u00e9dio, \u00e0 indeniza\u00e7\u00f5es trabalhistas, manuten\u00e7\u00f5es ou valoriza\u00e7\u00f5es no im\u00f3vel – e, claro, ao pr\u00f3prio fundo em si.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Despesas ordin\u00e1rias<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Outra finalidade do fundo de reserva do condom\u00ednio pode ser o uso para despesas ordin\u00e1rias. Isso pode ser estipulado de forma isolada ou em conjunto com as despesas extraordin\u00e1rias.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Com rela\u00e7\u00e3o a esse tipo de despesa, a Lei n\u00ba 8.245\/91 estipula que podem ser:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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a) sal\u00e1rios, encargos trabalhistas, contribui\u00e7\u00f5es previdenci\u00e1rias e sociais dos empregados do condom\u00ednio;<\/p>

b) consumo de \u00e1gua e esgoto, g\u00e1s, luz e for\u00e7a das \u00e1reas de uso comum;<\/p>

c) limpeza, conserva\u00e7\u00e3o e pintura das instala\u00e7\u00f5es e depend\u00eancias de uso comum;<\/p>

d) manuten\u00e7\u00e3o e conserva\u00e7\u00e3o das instala\u00e7\u00f5es e equipamentos hidr\u00e1ulicos, el\u00e9tricos, mec\u00e2nicos e de seguran\u00e7a, de uso\u00a0comum;<\/p>

e) manuten\u00e7\u00e3o e conserva\u00e7\u00e3o das instala\u00e7\u00f5es e equipamentos de uso comum destinados \u00e0 pr\u00e1tica de esportes e lazer;<\/p>

f) manuten\u00e7\u00e3o e conserva\u00e7\u00e3o de elevadores, porteiro eletr\u00f4nico e antenas coletivas;<\/p>

g) pequenos reparos nas depend\u00eancias e instala\u00e7\u00f5es el\u00e9tricas e hidr\u00e1ulicas de uso comum;<\/p>

h) rateios de saldo devedor, salvo se referentes a per\u00edodo anterior ao in\u00edcio da loca\u00e7\u00e3o;<\/p>

i) reposi\u00e7\u00e3o do fundo de reserva, total ou parcialmente utilizado no custeio ou complementa\u00e7\u00e3o das despesas referidas nas al\u00edneas anteriores, salvo se referentes a per\u00edodo anterior ao in\u00edcio da loca\u00e7\u00e3o.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Como \u00e9 poss\u00edvel perceber, as despesas ordin\u00e1rias do condom\u00ednio nada mais s\u00e3o do que aquelas necess\u00e1rias para manuten\u00e7\u00e3o regular do pr\u00e9dio.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Finalidades espec\u00edficas dos fundos de reserva de condom\u00ednio<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Al\u00e9m das despesas ordin\u00e1rias e extraordin\u00e1rias do condom\u00ednio, o fundo de reserva tamb\u00e9m pode ser criado para atender necessidades espec\u00edficas e pontuais do pr\u00e9dio.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Essa alternativa tem como objetivo arrecadar finan\u00e7as suficientes para algum projeto planejado, como, por exemplo, uma reforma.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Desta forma, estipula-se um valor a ser alcan\u00e7ado para bancar a realiza\u00e7\u00e3o desse projeto espec\u00edfico.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Assim sendo, o fundo de reserva espec\u00edfico pode ser criado para reformas espec\u00edficas, manuten\u00e7\u00f5es ou instala\u00e7\u00e3o de novas tecnologias ou equipamentos, realiza\u00e7\u00e3o de obras ou pinturas na fachada, entre outros.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Outro exemplo que se encaixa na finalidade espec\u00edfica do fundo de reserva do condom\u00ednio \u00e9 com rela\u00e7\u00e3o \u00e0 arrecada\u00e7\u00e3o para posterior contrata\u00e7\u00e3o e implanta\u00e7\u00e3o de portaria remota<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Com essa tecnologia instalada no condom\u00ednio, n\u00e3o h\u00e1 mais necessidade de manter o pessoal de portaria no pr\u00e9dio, reduzindo assim o passivo trabalhista, bem como o valor da taxa condominial pode diminuir em at\u00e9 50% do seu valor, o que \u00e9 uma redu\u00e7\u00e3o imensa de gastos n\u00e3o s\u00f3 para o s\u00edndico, como para todos os moradores.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Por conseguinte, de igual forma aos fundos de reserva \u201ccomuns\u201d, os fundos com finalidade espec\u00edfica devem ser criados em assembleia, com vota\u00e7\u00e3o da maioria dos cond\u00f4minos (pelo menos dois ter\u00e7os dos votos).\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Como o fundo de reserva \u00e9 utilizado?<\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Ap\u00f3s a cria\u00e7\u00e3o do fundo de reserva do condom\u00ednio, o ideal \u00e9 que ele atenda \u00e0s finalidades estipuladas em conven\u00e7\u00e3o ou em assembleia condominial.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Ou seja, ele deve atender \u00e0s despesas que se encaixam como extraordin\u00e1rias, ordin\u00e1rias ou projetos espec\u00edficos.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Entretanto, na pr\u00e1tica, o s\u00edndico pode lan\u00e7ar m\u00e3o do fundo de reserva e utiliz\u00e1-lo em quest\u00f5es emergenciais, indispens\u00e1veis e n\u00e3o previstas na conven\u00e7\u00e3o ou na previs\u00e3o or\u00e7ament\u00e1ria anual.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\u00c9 claro que, posteriormente, os valores gastos devem ser detalhados e uma justificativa deve ser prestada pelo s\u00edndico em raz\u00e3o do uso emergencial do fundo.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Quem deve pagar o fundo de reserva?<\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Essa \u00e9 uma quest\u00e3o que normalmente gera d\u00favidas, afinal, o fundo de reserva n\u00e3o deixa de ser um valor financeiro que sair\u00e1 das contas de algu\u00e9m.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Para responder a pergunta, \u00e9 essencial compreender a diferen\u00e7a das despesas extraordin\u00e1rias e ordin\u00e1rias, conforme mencionadas anteriormente.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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S\u00e3o elas que definem, de acordo com a Lei 8.245\/91, quem \u00e9 respons\u00e1vel por pagar o fundo de reserva, de acordo com sua finalidade.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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A legisla\u00e7\u00e3o define que, quando o im\u00f3vel for alugado, o locat\u00e1rio (pessoa que alugou) deve arcar com as despesas ordin\u00e1rias. Portanto, se o fundo foi institu\u00eddo para despesas ordin\u00e1rias, o locat\u00e1rio deve pag\u00e1-lo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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E, claro, se o propriet\u00e1rio \u00e9 quem reside no im\u00f3vel, \u00e9 ele quem paga o fundo institu\u00eddo para despesas ordin\u00e1rias.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Desta forma, se o fundo for criado para arcar com despesas extraordin\u00e1rias, ent\u00e3o \u00e9 o propriet\u00e1rio do im\u00f3vel que deve pag\u00e1-lo, mesmo que o im\u00f3vel esteja alugado.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Se, eventualmente, um fundo criado para atender despesas extraordin\u00e1rias for utilizado para atender uma emerg\u00eancia referente a despesas ordin\u00e1rias, ent\u00e3o o locat\u00e1rio (pessoa que alugou o im\u00f3vel) deve restituir ao fundo, conforme a cota do im\u00f3vel alugado. Mas, claro, desde que essa emerg\u00eancia tenha ocorrido durante o per\u00edodo de sua loca\u00e7\u00e3o, caso contr\u00e1rio n\u00e3o estar\u00e1 obrigado a restituir.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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De qualquer forma, \u00e9 importante que o locat\u00e1rio fique atento aos valores cobrados na taxa condominial a t\u00edtulo de fundo de reserva, para que n\u00e3o pague por um valor que n\u00e3o lhe seja devido.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Outra quest\u00e3o que surge \u00e9 com rela\u00e7\u00e3o ao pagamento do fundo de obras. Como ele est\u00e1 elencado, na legisla\u00e7\u00e3o, como uma despesa extraordin\u00e1ria do condom\u00ednio, ent\u00e3o \u00e9 responsabilidade do locador (propriet\u00e1rio do im\u00f3vel) em pagar o referido fundo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Por fim, embora existam essas diferen\u00e7as com rela\u00e7\u00e3o ao pagador no caso de aluguel de apartamentos, o que deve ser levado em conta \u00e9 que, ap\u00f3s estipulado, o fundo de reserva \u00e9 obrigat\u00f3rio a todos os cond\u00f4minos.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Uma vez criado em conven\u00e7\u00e3o ou regimento interno, independente do voto do cond\u00f4mino, todos devem contribuir pela arrecada\u00e7\u00e3o.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Outro ponto importante \u00e9 com rela\u00e7\u00e3o \u00e0queles moradores que moram ou s\u00e3o propriet\u00e1rios de mais de uma fra\u00e7\u00e3o ideal (ou seja, unidade imobili\u00e1ria) do pr\u00e9dio.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Neste caso, o pagamento ser\u00e1 proporcional \u00e0 quantidade de unidades, ou seja, se possuir ou ocupar duas unidades, pagar\u00e1 dois percentuais ao fundo de reserva, assim por diante.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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O valor do fundo de reserva pode ser devolvido?<\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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A partir do momento em que \u00e9 pago um percentual a t\u00edtulo de fundo de reserva, o valor passa a fazer parte do patrim\u00f4nio e das finan\u00e7as do condom\u00ednio.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Com a institui\u00e7\u00e3o do fundo, o cond\u00f4mino autoriza que o valor pago por ele seja incorporado ao condom\u00ednio.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Desta forma, mesmo que o cond\u00f4mino venda ou aliene sua propriedade, o valor n\u00e3o pode ser devolvido e nem mesmo distribu\u00eddo aos demais moradores.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Meu condom\u00ednio precisa de um fundo de reserva?<\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Se o seu pr\u00e9dio n\u00e3o possui nenhuma conven\u00e7\u00e3o ou regra interna estipulada em assembleia referente \u00e0 arrecada\u00e7\u00e3o do fundo de reserva, ent\u00e3o certamente todos est\u00e3o sujeitos \u00e0 gastos extras e imprevistos durante o per\u00edodo de moradia.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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O ideal \u00e9 que, o quanto antes, o tema seja discutido e aprovado entre os moradores, ainda que seja estipulado um valor baixo de percentual de contribui\u00e7\u00e3o inicialmente.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Com essa estrat\u00e9gia financeira em a\u00e7\u00e3o, n\u00e3o somente contribui para uma melhor gest\u00e3o do s\u00edndico diante das despesas do condom\u00ednio (ordin\u00e1rias ou extraordin\u00e1rias), como tamb\u00e9m evita que os moradores sejam \u201cpegos de surpresa\u201d no final do m\u00eas, com alguma cobran\u00e7a extra para arcar com emerg\u00eancias.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Portanto, leve esse tema para sua pr\u00f3xima reuni\u00e3o de condom\u00ednio (lembrando que, durante a pandemia, as assembleias podem ser realizadas de forma virtual ou online) e fale sobre os benef\u00edcios de se ter um fundo de reserva.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Lembre-se, prevenir-se \u00e9 uma forma de redu\u00e7\u00e3o de gastos<\/b> e de manter controlado o n\u00edvel de inadimpl\u00eancia do condom\u00ednio!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Se voc\u00ea ficou com alguma d\u00favida sobre o tema, envie um whats para n\u00f3s<\/b>! \u00c9 s\u00f3 clicar no \u00edcone do aplicativo no canto direito da p\u00e1gina.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Neste artigo, compilamos todas as informa\u00e7\u00f5es necess\u00e1rias sobre o que \u00e9 um fundo de reserva de condom\u00ednio e como ele pode ajudar nas despesas do seu condom\u00ednio Quando se mora em condom\u00ednio, existem v\u00e1rias taxas que fazem parte dos gastos mensais de um pr\u00e9dio. O s\u00edndico, durante o seu mandato, precisa estar atento a cada […]<\/p>","protected":false},"author":13,"featured_media":2948,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[82,218],"tags":[407,408,409,410,411,412,413,414,415,416,417,194,240,418,419],"class_list":["post-2947","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-administracao-de-condominios","category-sindico","tag-como-economizar-em-condominio","tag-como-planejar-o-financeiro-do-condominio","tag-como-reduzir-custos-do-condominio","tag-economia-de-custos-de-condominio","tag-economia-de-gastos-de-condominio","tag-fundo-de-reserva-condomonial","tag-fundo-de-reserva-de-condominio","tag-gasto-do-condominio","tag-gastos-condominiais","tag-planejamento-financeiro-do-condominio","tag-planejamento-financeiro-para-sindico","tag-sindico-2","tag-sindico-profissional","tag-taxa-condominial","tag-taxa-de-condominio"],"yoast_head":"\nTudo sobre fundo de reserva de condom\u00ednio | Minha Portaria<\/title>\n<meta name=\"description\" content=\"Nesta mat\u00e9ria, n\u00f3s compilamos um guia com tudo sobre fundo de reserva de condom\u00ednio e todos os pontos mais importantes sobre o tema.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/minhaportaria.com\/es\/administracao-de-condominios\/tudo-sobre-fundo-de-reserva-de-condominio\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tudo sobre fundo de reserva de condom\u00ednio | Minha Portaria\" \/>\n<meta property=\"og:description\" content=\"Nesta mat\u00e9ria, n\u00f3s compilamos um guia com tudo sobre fundo de reserva de condom\u00ednio e todos os pontos mais importantes sobre o tema.\" \/>\n<meta property=\"og:url\" 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