Perícia econômico-financeira: revisão de contrato de financiamento bancário para análise de ilegalidades

Abstract

This work aimed to review (real) vehicle financing agreement negotiated between a large financial institution and a banking client through the expert techniques used by the professional economist. Refers to the transaction for the acquisition of vehicle in the amount of R$ 30.240,00 with payment of entry in the amount of R$ 4.000,00, and added values related to expenses with accessories and others, at a contractual interest rate of 2,32% per month (31,6820% per year), with payment expected in 60 monthly installments of R$ 860,27, from 10/20/2013 until 09/20/2018. Anomaly was detected and, in the sense of eliminating it, the financing was recalculated based on the Simple Interest Amortization Method from the "Price Table". This recalculation pointed out that the value of the benefit charged by the bank was increased by R$ 227,62. With the calculation of the monthly amounts paid to the banking institution, the changes were made, from their respective maturities, to the date of the calculation of this work (08/08/2017) - in order to know the debit balance or creditor. The conclusion of the work is that, after the due compensation between the amount paid the greater and the balance of installments to be settled - recalculated, the contract is retired and there is still a credit balance in favor of the banking client in the amount of R$ 44.244,83, updated as of 10/08/2017.