{"id":36510,"date":"2025-07-28T12:43:27","date_gmt":"2025-07-28T10:43:27","guid":{"rendered":"https:\/\/mailcommsgroup.com\/?p=36510"},"modified":"2026-06-24T12:04:51","modified_gmt":"2026-06-24T10:04:51","slug":"obrigatoriedade-de-assinatura-eletronica-nos-relatorios-de-avaliacao-a-partir-de-12-de-agosto","status":"publish","type":"post","link":"https:\/\/mailcommsgroup.com\/pt\/blog\/obrigatoriedade-de-assinatura-eletronica-nos-relatorios-de-avaliacao-a-partir-de-12-de-agosto\/","title":{"rendered":"Assinatura eletr\u00f3nica obrigat\u00f3ria nos relat\u00f3rios de avalia\u00e7\u00e3o a partir de 12 de agosto: o que exige a Portaria ECM\/599\/2025 e como cumprir essa exig\u00eancia"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row type=&#8221;grid&#8221; css=&#8221;.vc_custom_1547557263471{margin-bottom: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_column dp_animation=&#8221;&#8221; el_class=&#8221;El nuevo reglamento europeo obliga a recabar el consentimiento expl\u00edcito para el tratamiento de los datos de car\u00e1cter personal&#8221; font_color=&#8221;#81d742&#8243;][vc_single_image image=&#8221;36537&#8243; img_size=&#8221;full&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;grid&#8221; css=&#8221;.vc_custom_1679050935288{margin-top: 0px !important;padding-top: 0px !important;}&#8221;][vc_column dp_animation=&#8221;&#8221; css=&#8221;.vc_custom_1547557427896{padding-top: 0px !important;}&#8221;][vc_empty_space height=&#8221;80px&#8221; css=&#8221;.vc_custom_1752828048392{margin-top: -70px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1782295035975{padding-top: 50px !important;padding-right: 50px !important;padding-bottom: 50px !important;padding-left: 50px !important;background-color: #F2F2F2 !important;}&#8221; dp_animation=&#8221;&#8221;]<span style=\"font-size: 20px;\"><strong>\u00cdndice  <\/strong><\/span><\/p>\n<ol>\n<li><a href=\"#uno\">O que \u00e9 que o novo diploma regulamenta?<\/a><\/li>\n<li><a href=\"#dos\">Partes obrigadas: quem deve assinar eletronicamente?<\/a><\/li>\n<li><a href=\"#tres\">Como \u00e9 feito um relat\u00f3rio de avalia\u00e7\u00e3o e quem o deve assinar?<\/a><\/li>\n<li><a href=\"#cuatro\">Quem deve assinar o relat\u00f3rio eletronicamente?<\/a><\/li>\n<li><a href=\"#cinco\">Porque \u00e9 que a assinatura eletr\u00f3nica \u00e9 t\u00e3o importante?<\/a><\/li>\n<li><a href=\"#seis\">Como podemos ajudar-te?<\/a><\/li>\n<li><a href=\"#siete\">Conclus\u00e3o<\/a><\/li>\n<li><a href=\"#ocho\">Perguntas mais frequentes<\/a><\/li>\n<\/ol>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;80px&#8221; css=&#8221;.vc_custom_1752828048392{margin-top: -70px !important;}&#8221;][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]No passado dia 12 de junho, foi publicada no BOE a Portaria ECM\/599\/2025, uma norma fundamental para o setor imobili\u00e1rio e financeiro que introduz uma altera\u00e7\u00e3o importante: <strong>a assinatura eletr\u00f3nica passa a ser obrigat\u00f3ria em todos os relat\u00f3rios de avalia\u00e7\u00e3o com finalidade financeira.<\/strong> Esta nova exig\u00eancia, que entra em vigor a 12 de agosto de 2025, refor\u00e7a a integridade, a rastreabilidade e a fiabilidade jur\u00eddica dos documentos de avalia\u00e7\u00e3o.[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828050897{margin-top: -100px !important;}&#8221; el_id=&#8221;uno&#8221;][vc_column_text css=&#8221;.vc_custom_1752743411360{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>O que \u00e9 que o novo diploma regulamenta?<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]A Portaria ECM\/599\/2025 altera a j\u00e1 conhecida Portaria ECO\/805\/2003, estabelecendo normas de avalia\u00e7\u00e3o para bens im\u00f3veis e determinados direitos reais.  <strong>Estes relat\u00f3rios s\u00e3o essenciais quando utilizados como:<\/strong><\/p>\n<ul>\n<li>Garantia hipotec\u00e1ria sobre cr\u00e9ditos e empr\u00e9stimos.<\/li>\n<li>Base para determinar o justo valor dos activos das seguradoras e resseguradoras.<\/li>\n<li>Refer\u00eancia para o c\u00e1lculo dos activos dos fundos de pens\u00f5es ou dos investimentos imobili\u00e1rios colectivos.<\/li>\n<\/ul>\n<p>Com esta altera\u00e7\u00e3o, <strong>os relat\u00f3rios de avalia\u00e7\u00e3o ter\u00e3o de ter uma estrutura mais clara, incluir elementos de sustentabilidade e<\/strong>, acima de tudo, <strong>garantir a assinatura eletr\u00f3nica obrigat\u00f3ria<\/strong> de todos os profissionais envolvidos na sua elabora\u00e7\u00e3o.<\/p>\n<table style=\"width: 100%; border-collapse: collapse; border-spacing: 0; font-family: Arial, Helvetica, sans-serif; font-size: 16px; color: #2c2c2c; margin-top: 20px; margin-bottom: 20px;\">\n<thead>\n<tr style=\"background-color: #47d7ac !important;\">\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 30%;\">Dado importante<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 70%;\">Detalhe<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Norma publicada<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Portaria ECM\/599\/2025 (BOE, 12 de junho de 2025)<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Norma que altera<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Ordem ECO\/805\/2003 (normas de avalia\u00e7\u00e3o de bens im\u00f3veis)<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Data de entrada em vigor<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">12 de agosto de 2025<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Obriga\u00e7\u00e3o principal<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Assinatura eletr\u00f3nica obrigat\u00f3ria em todos os relat\u00f3rios de avalia\u00e7\u00e3o com finalidade financeira<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Tipo de assinatura exigida<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Assinatura eletr\u00f3nica qualificada ou avan\u00e7ada (conforme o perfil do signat\u00e1rio)<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Entidades obrigadas<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Avaliadores, revisores t\u00e9cnicos, validadores finais e empresas de avalia\u00e7\u00e3o<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">\u00c2mbito de aplica\u00e7\u00e3o<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Avalia\u00e7\u00f5es utilizadas como garantia hipotec\u00e1ria, avalia\u00e7\u00e3o de ativos de seguradoras e fundos de pens\u00f5es\/investimento<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828054908{margin-top: -100px !important;}&#8221; el_id=&#8221;dos&#8221;][vc_column_text css=&#8221;.vc_custom_1752743491582{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>Partes obrigadas: quem deve assinar eletronicamente?<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]A norma exige que <strong>todos os profissionais e entidades envolvidos na elabora\u00e7\u00e3o, revis\u00e3o e valida\u00e7\u00e3o do relat\u00f3rio de avalia\u00e7\u00e3o o assinem<\/strong> atrav\u00e9s de uma assinatura eletr\u00f3nica qualificada ou avan\u00e7ada. Isto aplica-se tanto a: <\/p>\n<ul>\n<li>Pessoas singulares: avaliadores individuais, arquitectos t\u00e9cnicos, inspectores de quantidades, etc.<\/li>\n<li>Pessoas colectivas: sociedades de avalia\u00e7\u00e3o, entidades colaboradoras e entidades financeiras com capacidade de avalia\u00e7\u00e3o.<\/li>\n<\/ul>\n<table style=\"width: 100%; border-collapse: collapse; border-spacing: 0; font-family: Arial, Helvetica, sans-serif; font-size: 16px; color: #2c2c2c; margin-top: 20px; margin-bottom: 20px;\">\n<thead>\n<tr style=\"background-color: #47d7ac !important;\">\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 22%;\">Perfil do signat\u00e1rio<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 26%;\">Fun\u00e7\u00e3o no processo<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 26%;\">Tipo de assinatura recomendado<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 26%;\">Observa\u00e7\u00e3o<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Avaliador e redator<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Elabora e assina o relat\u00f3rio principal<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Assinatura eletr\u00f3nica qualificada (FEQ)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">M\u00e1xima garantia jur\u00eddica \u2014 equivalente a uma assinatura manuscrita ao abrigo do eIDAS<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Revisor t\u00e9cnico<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Verifica se o relat\u00f3rio cumpre as normas<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Assinatura eletr\u00f3nica qualificada ou avan\u00e7ada (FEA)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Depende do n\u00edvel de responsabilidade assumido no processo<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Validador \/ Respons\u00e1vel t\u00e9cnico<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Aprova e valida definitivamente o relat\u00f3rio<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Assinatura eletr\u00f3nica qualificada (FEQ)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Ao assumir a responsabilidade final, recomenda-se a utiliza\u00e7\u00e3o de uma assinatura qualificada<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Empresa de avalia\u00e7\u00e3o (pessoa jur\u00eddica)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Assinatura institucional do documento<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Selo eletr\u00f3nico qualificado<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Para as pessoas coletivas, o equivalente \u00e0 assinatura qualificada \u00e9 o selo eletr\u00f3nico qualificado<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828060444{margin-top: -100px !important;}&#8221; el_id=&#8221;tres&#8221;][vc_column_text css=&#8221;.vc_custom_1752743576029{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>Como \u00e9 feito um relat\u00f3rio de avalia\u00e7\u00e3o e quem o deve assinar?<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]O processo de elabora\u00e7\u00e3o de um relat\u00f3rio de avalia\u00e7\u00e3o imobili\u00e1ria \u00e9 rigoroso e estruturado. Este documento \u00e9 a base de muitas decis\u00f5es financeiras, pelo que a sua elabora\u00e7\u00e3o envolve diferentes perfis profissionais, todos eles obrigados a assinar eletronicamente. <\/p>\n<p>Fluxo t\u00edpico na prepara\u00e7\u00e3o do relat\u00f3rio de avalia\u00e7\u00e3o:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-36519 aligncenter\" title=\"fluxo-elabora\u00e7\u00e3o-relat\u00f3rio-avalia\u00e7\u00e3o\" src=\"https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-scaled.png\" alt=\"Fluxo t\u00edpico na prepara\u00e7\u00e3o do relat\u00f3rio de avalia\u00e7\u00e3o\" width=\"2560\" height=\"927\" srcset=\"https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-scaled.png 2560w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-300x109.png 300w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-1024x371.png 1024w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-768x278.png 768w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-1536x556.png 1536w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-2048x741.png 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<ol>\n<li><strong>Pedido de avalia\u00e7\u00e3o<\/strong><br \/>\nUm cliente (institui\u00e7\u00e3o financeira, seguradora, promotor imobili\u00e1rio, particular\u2026) solicita a avalia\u00e7\u00e3o a uma empresa de avalia\u00e7\u00e3o homologada.<\/li>\n<li><strong>Designa\u00e7\u00e3o do t\u00e9cnico avaliador<\/strong><br \/>\nA empresa nomeia um profissional competente (arquiteto, arquiteto t\u00e9cnico, engenheiro&#8230;) para visitar e avaliar o im\u00f3vel.<\/li>\n<li><strong>Inspe\u00e7\u00e3o t\u00e9cnica e recolha de dados<\/strong><br \/>\nO t\u00e9cnico faz uma visita ao im\u00f3vel, faz medi\u00e7\u00f5es, verifica a documenta\u00e7\u00e3o do registo predial e do cadastro e analisa o entorno.<\/li>\n<li><strong>An\u00e1lise comparativa e avalia\u00e7\u00e3o<\/strong><br \/>\nS\u00e3o aplicados m\u00e9todos de avalia\u00e7\u00e3o reconhecidos (compara\u00e7\u00e3o, custo, atualiza\u00e7\u00e3o de rendas, residual\u2026), consoante o tipo de im\u00f3vel e a finalidade.<\/li>\n<li><strong>Elabora\u00e7\u00e3o do relat\u00f3rio<\/strong><br \/>\nO avaliador redige o relat\u00f3rio de acordo com os crit\u00e9rios t\u00e9cnicos e legais estabelecidos na Portaria ECO\/805\/2003, incluindo anexos e plantas.<\/li>\n<li><strong>Revis\u00e3o t\u00e9cnica<\/strong><br \/>\nUm segundo profissional da empresa de avalia\u00e7\u00e3o (normalmente um revisor ou supervisor) verifica se o relat\u00f3rio cumpre a regulamenta\u00e7\u00e3o.<\/li>\n<li><strong>Valida\u00e7\u00e3o final<\/strong><br \/>\nUma terceira pessoa \u2014 geralmente um t\u00e9cnico respons\u00e1vel nomeado pela empresa de avalia\u00e7\u00e3o \u2014 d\u00e1 o aval final ao documento.<\/li>\n<\/ol>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828065275{margin-top: -100px !important;}&#8221; el_id=&#8221;cuatro&#8221;][vc_column_text css=&#8221;.vc_custom_1752744188370{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>Quem deve assinar o relat\u00f3rio eletronicamente?<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]Com a entrada em vigor da Portaria ECM\/599\/2025, todos os profissionais envolvidos substancialmente no documento devem assin\u00e1-lo eletronicamente. Normalmente s\u00e3o eles: <\/p>\n<ul>\n<li>O <strong>avaliador<\/strong> que redigiu o relat\u00f3rio.<\/li>\n<li>O <strong>revisor<\/strong> t\u00e9cnico.<\/li>\n<li>O <strong>validador ou respons\u00e1vel t\u00e9cnico<\/strong> final da empresa de avalia\u00e7\u00e3o.<\/li>\n<\/ul>\n<p>Em muitos casos, o relat\u00f3rio final pode ter at\u00e9 tr\u00eas assinaturas electr\u00f3nicas, o que implica a necessidade de um fluxo de assinaturas claro, \u00e1gil e juridicamente s\u00f3lido.<\/p>\n<p data-path-to-node=\"2,0,0\"><b data-path-to-node=\"2,0,0\" data-index-in-node=\"0\">Automatiza o ciclo de vida dos teus acordos comerciais e reduz drasticamente os prazos de formaliza\u00e7\u00e3o<\/b>, implementando uma plataforma integral que unifique a identidade, o consentimento e a celebra\u00e7\u00e3o de acordos atrav\u00e9s da <a class=\"ng-star-inserted\" href=\"https:\/\/mailcommsgroup.com\/pt\/recrutamento-eletronica\/\" target=\"_blank\" rel=\"noopener\">contrata\u00e7\u00e3o eletr\u00f3nica<\/a>.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828069849{margin-top: -100px !important;}&#8221; el_id=&#8221;cinco&#8221;][vc_column_text css=&#8221;.vc_custom_1752744252652{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>Porque \u00e9 que a assinatura eletr\u00f3nica \u00e9 t\u00e3o importante?<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]<span style=\"font-weight: 400;\">A assinatura eletr\u00f3nica qualificada \u00e9 o n\u00edvel mais elevado reconhecido pelo Regulamento eIDAS: tem plena equival\u00eancia jur\u00eddica com a assinatura manuscrita em toda a UE e gera a presun\u00e7\u00e3o de integridade e identidade do signat\u00e1rio, sem necessidade de acordo pr\u00e9vio entre as partes.<\/span><\/p>\n<p>Os regulamentos exigem que os documentos sejam assinados eletronicamente de forma a garantir:<\/p>\n<ul>\n<li><strong>Autenticidade:<\/strong> d\u00e1 para verificar quem assinou.<\/li>\n<li><strong>Integridade:<\/strong> o conte\u00fado n\u00e3o pode ser alterado ap\u00f3s a assinatura.<\/li>\n<li><strong>Rastreabilidade:<\/strong> fica registado um registo digital certificado do processo.<\/li>\n<\/ul>\n<p>Al\u00e9m disso, as empresas de avalia\u00e7\u00e3o s\u00e3o obrigadas a implementar procedimentos t\u00e9cnicos para garantir que os documentos n\u00e3o sejam alterados depois de assinados e que possam ser conservados com salvaguardas legais. Isto aumenta os requisitos t\u00e9cnicos e torna as assinaturas electr\u00f3nicas com cust\u00f3dia certificada uma solu\u00e7\u00e3o indispens\u00e1vel. <\/p>\n<p data-path-to-node=\"2,0,0\"><b data-path-to-node=\"2,0,0\" data-index-in-node=\"0\">Garantir a validade legal dos teus documentos e transa\u00e7\u00f5es em caso de qualquer lit\u00edgio futuro<\/b>, delegando os teus processos cr\u00edticos a um parceiro tecnol\u00f3gico que conta com o apoio da <a class=\"ng-star-inserted\" href=\"https:\/\/mailcommsgroup.com\/pt\/blog\/mailteck-e-cliente-comms-qualificados-pelo-ministerio-na-conservacao-de-assinaturas-e-selos-electronicos\/\" target=\"_blank\" rel=\"noopener\">Mailteck e da Customer Comms, empresas certificadas pelo Minist\u00e9rio na conserva\u00e7\u00e3o de assinaturas e selos eletr\u00f3nicos<\/a>.<\/p>\n<table style=\"width: 100%; border-collapse: collapse; border-spacing: 0; font-family: Arial, Helvetica, sans-serif; font-size: 16px; color: #2c2c2c; margin-top: 20px; margin-bottom: 20px;\">\n<thead>\n<tr style=\"background-color: #47d7ac !important;\">\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 22%;\">Tipo de assinatura eletr\u00f3nica<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 15%;\">N\u00edvel eIDAS<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 23%;\">Validade jur\u00eddica<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 22%;\">Requisito t\u00e9cnico<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 18%;\">Quando usar na avalia\u00e7\u00e3o<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Assinatura eletr\u00f3nica simples<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">N\u00edvel b\u00e1sico<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Limitada \u2014 sem presun\u00e7\u00e3o autom\u00e1tica<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Identifica apenas o signat\u00e1rio (por exemplo, clicar em \u00abaceito\u00bb)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">N\u00e3o recomendada para relat\u00f3rios de avalia\u00e7\u00e3o com fins financeiros<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Assinatura eletr\u00f3nica avan\u00e7ada (FEA)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">N\u00edvel m\u00e9dio<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Elevado \u2014 associa o signat\u00e1rio de forma \u00fanica e deteta altera\u00e7\u00f5es<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Certificado digital pessoal ou biometria avan\u00e7ada<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">V\u00e1lida para revisores com responsabilidade secund\u00e1ria<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Assinatura eletr\u00f3nica qualificada (FEQ)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">N\u00edvel m\u00e1ximo<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">M\u00e1ximo \u2014 equivale a uma assinatura manuscrita em toda a UE, ao abrigo do eIDAS<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Certificado qualificado emitido por uma PSCC supervisionada<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Recomendada para o avaliador, o redator e o validador final<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-36528 pd-t-10\" title=\"porque \u00e9 que a assinatura eletr\u00f3nica \u00e9 t\u00e3o importante\" src=\"https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/quien-debe-firmar-electronicamente.webp\" alt=\"Porque \u00e9 que as assinaturas electr\u00f3nicas s\u00e3o t\u00e3o importantes\" width=\"892\" height=\"418\" srcset=\"https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/quien-debe-firmar-electronicamente.webp 892w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/quien-debe-firmar-electronicamente-300x141.webp 300w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/quien-debe-firmar-electronicamente-768x360.webp 768w\" sizes=\"auto, (max-width: 892px) 100vw, 892px\" \/>[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828080410{margin-top: -100px !important;}&#8221; el_id=&#8221;seis&#8221;][vc_column_text css=&#8221;.vc_custom_1752744383035{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>Como podemos ajudar-te?<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]<span style=\"font-weight: 400;\">Para uma empresa de avalia\u00e7\u00e3o com um grande volume de relat\u00f3rios mensais, o fluxo de assinaturas pode envolver at\u00e9 tr\u00eas signat\u00e1rios por documento, com prazos apertados e a necessidade de um armazenamento certificado a longo prazo. A nossa plataforma permite automatizar este fluxo: o relat\u00f3rio \u00e9 enviado sequencialmente ao avaliador, ao revisor e ao validador pelo canal da tua prefer\u00eancia (e-mail, SMS ou WhatsApp), cada assinatura fica registada com carimbo de data e hora e o documento final \u00e9 guardado com garantia de inalterabilidade, em conformidade com o eIDAS e com os requisitos da Portaria ECM\/599\/2025. <\/span><\/p>\n<p><strong>Somos prestadores de servi\u00e7os de confian\u00e7a, especializados em entrega eletr\u00f3nica certificada<\/strong>, o que nos permite oferecer-te solu\u00e7\u00f5es que n\u00e3o s\u00f3 cumprem a lei, como tamb\u00e9m facilitam ao m\u00e1ximo a sua implementa\u00e7\u00e3o. <strong>A nossa plataforma de assinatura eletr\u00f3nica multicanal permite:<\/strong><\/p>\n<p>Assina relat\u00f3rios de avalia\u00e7\u00e3o a partir de qualquer dispositivo, sem instala\u00e7\u00e3o de software.<\/p>\n<p>Envia pedidos de assinatura atrav\u00e9s de v\u00e1rios canais: e-mail, SMS, WhatsApp, RCS (Rich Communication Services)<\/p>\n<p>Cust\u00f3dia certificada do documento assinado, garantindo que o conte\u00fado n\u00e3o foi modificado, mesmo anos ap\u00f3s a sua emiss\u00e3o.<\/p>\n<p>F\u00e1cil integra\u00e7\u00e3o com os fluxos internos das sociedades de avalia\u00e7\u00e3o e das institui\u00e7\u00f5es financeiras.<\/p>\n<p>Cumpre integralmente o Regulamento eIDAS e os requisitos t\u00e9cnicos e jur\u00eddicos da Ordem ECM\/599\/2025.<\/p>\n<p data-path-to-node=\"2,0,0\"><b data-path-to-node=\"2,0,0\" data-index-in-node=\"0\">Garantem a m\u00e1xima prote\u00e7\u00e3o jur\u00eddica nos teus acordos comerciais e contratos com clientes<\/b>, atrav\u00e9s da utiliza\u00e7\u00e3o de provas digitais s\u00f3lidas e rastre\u00e1veis, que s\u00f3 uma solu\u00e7\u00e3o avan\u00e7ada de <a class=\"ng-star-inserted\" href=\"https:\/\/mailcommsgroup.com\/pt\/recrutamento-eletronica\/firma-eletronica\/\" target=\"_blank\" rel=\"noopener\">assinatura eletr\u00f3nica<\/a> te pode proporcionar.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828088434{margin-top: -100px !important;}&#8221; el_id=&#8221;siete&#8221;][vc_column_text css=&#8221;.vc_custom_1752744549122{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>Conclus\u00e3o<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]A entrada em vigor deste regulamento constitui um marco na digitaliza\u00e7\u00e3o do sector da avalia\u00e7\u00e3o imobili\u00e1ria. Embora implique novas obriga\u00e7\u00f5es, representa tamb\u00e9m uma grande oportunidade para otimizar processos, melhorar a experi\u00eancia do cliente e garantir a conformidade. <\/p>\n<p>Se \u00e9s uma empresa de avalia\u00e7\u00e3o, um profissional da ind\u00fastria ou uma institui\u00e7\u00e3o financeira, ter uma solu\u00e7\u00e3o de assinatura eletr\u00f3nica \u00e1gil, juridicamente robusta e multicanal \u00e9 a forma mais f\u00e1cil de cumprir este novo regulamento sem atritos.[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1782295232942{margin-top: -100px !important;}&#8221; el_id=&#8221;ocho&#8221;][vc_column_text css=&#8221;.vc_custom_1782295055151{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>Perguntas mais frequentes<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_toggle title=&#8221;O que \u00e9 a Portaria ECM\/599\/2025 e a quem diz respeito?&#8221; style=&#8221;arrow&#8221; color=&#8221;black&#8221; custom_font_container=&#8221;tag:h3|font_size:20px|text_align:left&#8221; custom_google_fonts=&#8221;font_family:Dosis%3A200%2C300%2Cregular%2C500%2C600%2C700%2C800|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221; use_custom_heading=&#8221;true&#8221; custom_el_class=&#8221;mg-b-0 fondo-gris-preguntas-frecuentes&#8221;]<\/p>\n<p style=\"font-size: 16px;\">A Portaria ECM\/599\/2025, publicada no BOE a 12 de junho de 2025, altera a Portaria ECO\/805\/2003 relativa \u00e0s normas de avalia\u00e7\u00e3o de bens im\u00f3veis. Obriga a que todos os relat\u00f3rios de avalia\u00e7\u00e3o com finalidade financeira \u2014 utilizados como garantia hipotec\u00e1ria, avalia\u00e7\u00e3o de ativos de seguradoras ou refer\u00eancia para fundos de pens\u00f5es \u2014 incluam a assinatura eletr\u00f3nica qualificada ou avan\u00e7ada de todos os profissionais envolvidos. Isto diz respeito a avaliadores individuais, revisores t\u00e9cnicos, validadores e sociedades de avalia\u00e7\u00e3o homologadas.  <\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Que tipo de assinatura eletr\u00f3nica exige a regulamenta\u00e7\u00e3o relativa \u00e0 avalia\u00e7\u00e3o?&#8221; style=&#8221;arrow&#8221; color=&#8221;black&#8221; custom_font_container=&#8221;tag:h3|font_size:20px|text_align:left&#8221; custom_google_fonts=&#8221;font_family:Dosis%3A200%2C300%2Cregular%2C500%2C600%2C700%2C800|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221; use_custom_heading=&#8221;true&#8221; custom_el_class=&#8221;mg-b-0 fondo-gris-preguntas-frecuentes&#8221;]<\/p>\n<p style=\"font-size: 16px;\">A Portaria ECM\/599\/2025 exige a assinatura eletr\u00f3nica nos termos do Regulamento eIDAS. Para garantir a m\u00e1xima seguran\u00e7a jur\u00eddica, recomenda-se a assinatura eletr\u00f3nica qualificada (FEQ) para o avaliador redator e para o validador final, uma vez que tem plena equival\u00eancia com a assinatura manuscrita em toda a UE. A assinatura eletr\u00f3nica avan\u00e7ada (FEA) pode ser suficiente para os revisores t\u00e9cnicos, dependendo do n\u00edvel de responsabilidade assumido. Confirma a interpreta\u00e7\u00e3o da Portaria junto do Banco de Espanha ou da entidade supervisora competente.   <\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Quantas assinaturas pode ter um relat\u00f3rio de avalia\u00e7\u00e3o?&#8221; style=&#8221;arrow&#8221; color=&#8221;black&#8221; custom_font_container=&#8221;tag:h3|font_size:20px|text_align:left&#8221; custom_google_fonts=&#8221;font_family:Dosis%3A200%2C300%2Cregular%2C500%2C600%2C700%2C800|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221; use_custom_heading=&#8221;true&#8221; custom_el_class=&#8221;mg-b-0 fondo-gris-preguntas-frecuentes&#8221;]<\/p>\n<p style=\"font-size: 16px;\">Um relat\u00f3rio de avalia\u00e7\u00e3o pode exigir at\u00e9 tr\u00eas assinaturas eletr\u00f3nicas: a do avaliador que o redigiu, a do revisor t\u00e9cnico e a do validador ou respons\u00e1vel t\u00e9cnico final da empresa de avalia\u00e7\u00e3o. Dependendo do tamanho e da estrutura da empresa, algumas destas fun\u00e7\u00f5es podem ser desempenhadas pela mesma pessoa. O importante \u00e9 que todas as pessoas que participam de forma substancial na elabora\u00e7\u00e3o, revis\u00e3o e valida\u00e7\u00e3o assinem eletronicamente o documento final.  <\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Como \u00e9 que se deve guardar um relat\u00f3rio de avalia\u00e7\u00e3o assinado eletronicamente?&#8221; style=&#8221;arrow&#8221; color=&#8221;black&#8221; custom_font_container=&#8221;tag:h3|font_size:20px|text_align:left&#8221; custom_google_fonts=&#8221;font_family:Dosis%3A200%2C300%2Cregular%2C500%2C600%2C700%2C800|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221; use_custom_heading=&#8221;true&#8221; custom_el_class=&#8221;mg-b-0 fondo-gris-preguntas-frecuentes&#8221;]<\/p>\n<p style=\"font-size: 16px;\">A Portaria ECM\/599\/2025 exige que as sociedades de avalia\u00e7\u00e3o imobili\u00e1ria implementem procedimentos que garantam que os documentos assinados n\u00e3o sejam alterados e possam ser conservados com garantias legais. Isto implica a cust\u00f3dia certificada do documento assinado com selo temporal qualificado, que atesta a integridade do conte\u00fado em qualquer momento posterior. No contexto dos prazos de conserva\u00e7\u00e3o do setor hipotec\u00e1rio (at\u00e9 30 anos), recomenda-se uma solu\u00e7\u00e3o de cust\u00f3dia em conformidade com a eIDAS, com a possibilidade de selagem peri\u00f3dica.  <\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;O que acontece se um relat\u00f3rio de avalia\u00e7\u00e3o n\u00e3o tiver assinatura eletr\u00f3nica a partir de 12 de agosto de 2025?&#8221; style=&#8221;arrow&#8221; color=&#8221;black&#8221; custom_font_container=&#8221;tag:h3|font_size:20px|text_align:left&#8221; custom_google_fonts=&#8221;font_family:Dosis%3A200%2C300%2Cregular%2C500%2C600%2C700%2C800|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221; use_custom_heading=&#8221;true&#8221; custom_el_class=&#8221;mg-b-0 fondo-gris-preguntas-frecuentes&#8221;]<\/p>\n<p style=\"font-size: 16px;\">Um relat\u00f3rio de avalia\u00e7\u00e3o que n\u00e3o cumpra os requisitos de assinatura eletr\u00f3nica previstos na Portaria ECM\/599\/2025 pode n\u00e3o ser aceite pelas institui\u00e7\u00f5es financeiras como garantia hipotec\u00e1ria v\u00e1lida, nem pelas seguradoras ou fundos de pens\u00f5es para as suas avalia\u00e7\u00f5es de ativos. Al\u00e9m disso, a empresa de avalia\u00e7\u00e3o pode estar a infringir a regulamenta\u00e7\u00e3o de avalia\u00e7\u00e3o supervisionada pelo Banco de Espanha, com as consequ\u00eancias administrativas que da\u00ed adv\u00eam. <\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row type=&#8221;grid&#8221; css=&#8221;.vc_custom_1547557263471{margin-bottom: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_column dp_animation=&#8221;&#8221; el_class=&#8221;El nuevo reglamento europeo obliga a recabar el consentimiento expl\u00edcito para el tratamiento de los datos de car\u00e1cter personal&#8221; font_color=&#8221;#81d742&#8243;][vc_single_image image=&#8221;36537&#8243; img_size=&#8221;full&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;grid&#8221; css=&#8221;.vc_custom_1679050935288{margin-top: 0px !important;padding-top: 0px !important;}&#8221;][vc_column dp_animation=&#8221;&#8221; css=&#8221;.vc_custom_1547557427896{padding-top: 0px !important;}&#8221;][vc_empty_space height=&#8221;80px&#8221; css=&#8221;.vc_custom_1752828048392{margin-top: -70px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1782295035975{padding-top: 50px !important;padding-right: 50px !important;padding-bottom: 50px !important;padding-left: 50px !important;background-color: #F2F2F2 [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":36537,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[628],"class_list":["post-36510","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assinatura-eletronica"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assinatura eletr\u00f3nica obrigat\u00f3ria nos relat\u00f3rios de avalia\u00e7\u00e3o<\/title>\n<meta name=\"description\" content=\"A Portaria ECM\/599\/2025 obriga a assinar eletronicamente todos os relat\u00f3rios de avalia\u00e7\u00e3o imobili\u00e1ria para fins financeiros a partir de 12 de agosto de 2025\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mailcommsgroup.com\/pt\/blog\/obrigatoriedade-de-assinatura-eletronica-nos-relatorios-de-avaliacao-a-partir-de-12-de-agosto\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assinatura eletr\u00f3nica obrigat\u00f3ria nos relat\u00f3rios de avalia\u00e7\u00e3o\" \/>\n<meta property=\"og:description\" content=\"A Portaria ECM\/599\/2025 obriga a assinar eletronicamente todos os relat\u00f3rios de avalia\u00e7\u00e3o imobili\u00e1ria para fins financeiros a partir de 12 de agosto de 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