{"id":568,"date":"2019-11-14T11:14:21","date_gmt":"2019-11-14T14:14:21","guid":{"rendered":"https:\/\/padmoney.com\/blog\/?p=568"},"modified":"2019-11-14T11:14:21","modified_gmt":"2019-11-14T14:14:21","slug":"boleto-de-proposta","status":"publish","type":"post","link":"https:\/\/padmoney.com\/blog\/boleto-de-proposta\/","title":{"rendered":"Voc\u00ea sabe o que \u00e9 boleto de proposta?"},"content":{"rendered":"

Algumas pessoas, sejam clientes ou empres\u00e1rios possuem d\u00favidas quando falamos sobre boleto banc\u00e1rio e boleto de proposta, j\u00e1 que alguns pensam que estamos falando da mesma coisa.<\/p>\n

Mas \u00e9 a\u00ed que vem o engano, porque o boleto convencional e o boleto de proposta s\u00e3o coisas distintas.<\/p>\n

Neste artigo eu vou te mostrar a diferen\u00e7a entre as duas modalidades e em quais ocasi\u00f5es elas podem ser usadas.<\/p>\n

\u00a0<\/b><\/p>\n

Boleto de cobran\u00e7a<\/b><\/h3>\n

O boleto de cobran\u00e7a \u00e9 destinado ao pagamento de uma d\u00edvida, seja por compra de produto ou servi\u00e7o adquirido. Por exemplo uma conta de telefonia ou internet, o pagamento de uma parcela, seja de financiamentos, cart\u00e3o de cr\u00e9dito, etc.<\/p>\n

 <\/p>\n

Boleto de proposta<\/b><\/h3>\n

O boleto de proposta tem o objetivo de apresentar alguma oferta de produto ou servi\u00e7o, mas n\u00e3o h\u00e1 a obrigatoriedade de pagamento por parte do cliente.<\/p>\n

De acordo a uma resolu\u00e7\u00e3o do Banco Central, o boleto de proposta s\u00f3 pode ser enviado ao cliente \/ pagador, caso este tenha autorizado. Esta resolu\u00e7\u00e3o tem o objetivo de evitar que o pagador seja levado a pensar que ele contraiu alguma d\u00edvida e acaba efetuando o pagamento do boleto.<\/p>\n

O boleto de proposta possui algumas particularidades que o diferem bastante do boleto de cobran\u00e7a, como:<\/p>\n

    \n
  • N\u00e3o \u00e9 permitida a cobran\u00e7a de juros e multa<\/li>\n
  • N\u00e3o pode ser protestado<\/li>\n
  • \u00c9 proibida a negativa\u00e7\u00e3o<\/li>\n
  • \u00c9 proibido comando de instru\u00e7\u00f5es<\/li>\n
  • N\u00e3o \u00e9 permitido tamb\u00e9m a cobran\u00e7a eletr\u00f4nica<\/li>\n<\/ul>\n

    Al\u00e9m destas particularidades, o boleto de proposta deve conter exatamente o seguinte texto:<\/p>\n

    BOLETO DE PROPOSTA<\/i><\/b><\/p>\n

    ESTE BOLETO SE REFERE A UMA PROPOSTA J\u00c1 FEITA A VOC\u00ca E O SEU PAGAMENTO N\u00c3O \u00c9 OBRIGAT\u00d3RIO.<\/i><\/b><\/p>\n

    Deixar de pag\u00e1-lo n\u00e3o dar\u00e1 causa a proposta, a cobran\u00e7a judicial ou extrajudicial, nem inser\u00e7\u00e3o de seu nome em cadastro de restri\u00e7\u00e3o ao cr\u00e9dito.<\/i><\/b><\/p>\n

    Pagar at\u00e9 o vencimento significa aceitar a proposta.<\/i><\/b><\/p>\n

    Informa\u00e7\u00f5es adicionais sobre a proposta e sobre o respectivo contrato poder\u00e3o ser solicitadas a qualquer momento ao benefici\u00e1rio por meio de seus canais de atendimento.<\/i><\/b><\/p>\n

    A exig\u00eancia deste texto ser exatamente como citado acima vai de acordo o artigo 4\u00ba, par\u00e1grafo 5\u00ba, da circular de n\u00ba 3.598, de 6 de junho de 2012, com a reda\u00e7\u00e3o pela Circular n\u00ba 3.565, de 2 de abril de 2013 do Banco Central.<\/p>\n

    Uma outra observa\u00e7\u00e3o \u00e9 que nem todos os bancos ou sistemas intermediadores trabalham com o boleto de proposta, utilizando somente o boleto de cobran\u00e7a.<\/p>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    Algumas pessoas, sejam clientes ou empres\u00e1rios possuem d\u00favidas quando falamos sobre boleto banc\u00e1rio e boleto de proposta<\/p>\n","protected":false},"author":3,"featured_media":569,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[2],"tags":[69],"class_list":["post-568","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-boleto-bancario","tag-voce-sabe-o-que-e-boleto-de-proposta"],"yoast_head":"\nVoc\u00ea sabe o que \u00e9 boleto de proposta? - Padmoney<\/title>\n<meta name=\"description\" content=\"Voc\u00ea sabe a diferen\u00e7a entre um boleto de cobran\u00e7a e um boleto de proposta? 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