{"id":405,"date":"2021-05-26T22:29:04","date_gmt":"2021-05-26T22:29:04","guid":{"rendered":"https:\/\/wp-opea.azurewebsites.net\/?p=405"},"modified":"2026-01-13T09:36:22","modified_gmt":"2026-01-13T12:36:22","slug":"risco-de-pre-pagamento","status":"publish","type":"post","link":"https:\/\/staging.opea-uat.solutions\/pt\/blog\/risco-de-pre-pagamento\/","title":{"rendered":"Risco de pr\u00e9-pagamento"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\">\u00c9 poss\u00edvel ter preju\u00edzo com aquisi\u00e7\u00f5es no mercado secund\u00e1rio de t\u00edtulos e valores mobili\u00e1rios?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Sabe aqueles financiamentos a longo prazo que s\u00e3o feitos muitas vezes para financiar a aquisi\u00e7\u00e3o de im\u00f3veis? Aqueles com parcelas de pagamento a perder de vista, com 20, 30, 35 anos para pagar? Em muitos casos, consegue-se fazer uma antecipa\u00e7\u00e3o desse saldo devedor para diminuir a d\u00edvida ou at\u00e9 mesmo quitar antes do vencimento. Nesse caso, a antecipa\u00e7\u00e3o do vencimento, ou pr\u00e9-pagamento, \u00e9 feita pelo devedor contra a institui\u00e7\u00e3o financeira credora.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Essa possibilidade de antecipa\u00e7\u00e3o (pr\u00e9-pagamento) tamb\u00e9m \u00e9 poss\u00edvel em diversos produtos de investimento no mercado financeiro, especialmente naqueles com prazos alongados para vencimento. A diferen\u00e7a \u00e9 que nesse caso, o investidor est\u00e1 na ponta do credor, como a institui\u00e7\u00e3o financeira no exemplo citado acima, assumindo tamb\u00e9m os riscos envolvidos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ou seja, ocorrendo a antecipa\u00e7\u00e3o do vencimento pelo devedor do t\u00edtulo ou valor mobili\u00e1rio, al\u00e9m do investidor ter seu horizonte original de investimento reduzido e poder n\u00e3o conseguir reinvestir os recursos com a mesma remunera\u00e7\u00e3o deste investimento, tamb\u00e9m poder\u00e1 incorrer em preju\u00edzo. Esse \u00e9 o risco de pr\u00e9-pagamento.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mas como \u00e9 poss\u00edvel ocorrer um preju\u00edzo?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No mercado secund\u00e1rio, onde ocorre a compra e venda destes t\u00edtulos e valores mobili\u00e1rios entre investidores, as negocia\u00e7\u00f5es s\u00e3o precificadas em fun\u00e7\u00e3o da rentabilidade esperada pelos investidores. Nesse mercado, caso o novo investidor adquira um t\u00edtulo ou valor mobili\u00e1rio com \u00e1gio (pagando acima do valor ao par do t\u00edtulo), existe a possibilidade de no momento de um pr\u00e9-pagamento, n\u00e3o haver recursos suficientes para cobrir o valor investido.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para exemplificar:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Um Investidor A adquire um t\u00edtulo ou valor mobili\u00e1rio na data de sua emiss\u00e3o, ou seja, no chamado mercado prim\u00e1rio, por R$1.000,00 a uma taxa de 10% ao ano, com pagamento de remunera\u00e7\u00e3o anual e vencimento do principal no final do 4\u00ba ano. O fluxo esperado para esse produto pelo Investidor A ser\u00e1:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/opeacapital-com.preview-domain.com\/liferaynovo\/documents\/portlet_file_entry\/20126\/artigo_pre_pgto.jpg\/51af6dd3-c131-91c7-b0b0-7d26d509694f?&amp;imagePreview=1\" alt=\"\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Se no momento \u201c1\u201d, ap\u00f3s o pagamento da remunera\u00e7\u00e3o pelo devedor referente ao primeiro ano, o Investidor A decida vender seu t\u00edtulo no mercado secund\u00e1rio para o Investidor B por uma taxa de 8%, ao inv\u00e9s da taxa de 10% inicial (taxa ao par), o Investidor B, que estiver adquirindo, pagar\u00e1 pelo t\u00edtulo R$1.054,54 ao inv\u00e9s dos R$1.000,00 se estivesse negociando ao par. Nesta situa\u00e7\u00e3o o Investidor A vendeu o t\u00edtulo para o Investidor B com \u00e1gio, o que pode ser comum nesses tipos de negocia\u00e7\u00f5es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Conclu\u00edda essa negocia\u00e7\u00e3o, o Investidor B passa a ser o titular deste t\u00edtulo ou valor mobili\u00e1rio. Se no mesmo dia, o devedor resolva realizar um pr\u00e9-pagamento, ele pagar\u00e1 ao Investidor B R$1.000,00, que \u00e9 o saldo devedor com a taxa ao par fixada no momento da emiss\u00e3o deste t\u00edtulo ou valor mobili\u00e1rio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voltando ao nosso exemplo, sem incid\u00eancia de pr\u00eamio, o Investidor B que comprou o t\u00edtulo por R$ 1.054,54 receberia R$ 1.000,00 no momento do pr\u00e9-pagamento, tendo uma perda de 5,17% sobre o valor investido.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tentamos ilustrar aqui a import\u00e2ncia de o investidor se atentar para as cl\u00e1usulas de pr\u00e9-pagamento do t\u00edtulo que est\u00e1 adquirindo, para n\u00e3o ser surpreendido com um pr\u00e9-pagamento e o valor a ser recebido n\u00e3o ser suficiente para reembolsar integralmente o investimento realizado, frustrando assim a expectativa de rentabilidade no horizonte do investimento.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c9 poss\u00edvel ter preju\u00edzo com aquisi\u00e7\u00f5es no mercado secund\u00e1rio de t\u00edtulos e valores mobili\u00e1rios? Sabe aqueles financiamentos a longo prazo que s\u00e3o feitos muitas vezes para financiar a aquisi\u00e7\u00e3o de im\u00f3veis? Aqueles com parcelas de pagamento a perder de vista, com 20, 30, 35 anos para pagar? Em muitos casos, consegue-se fazer uma antecipa\u00e7\u00e3o desse [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":1352,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[18],"class_list":["post-405","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sem-categoria","tag-securitizacao"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Risco de pr\u00e9-pagamento - Opea<\/title>\n<meta name=\"description\" content=\"Conte\u00fados para quem transforma o mercado de cr\u00e9dito com tecnologia e intelig\u00eancia. 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