Empréstimo consignado como objeto de perícia econômica: uma análise das parcelas contratuais

Abstract

The objective of this study was to revise (real) contract of Payroll Loan between a large financial institution and a banking client, through the expert techniques used by the professional economist. In order to do so, the clauses of the agreement, the interest rates and the default rates of the contract were compared with the market rates of the Central Bank of Brazil (BACEN). From the replication worksheets of the bank statement, the results demonstrate the practice of interest rates higher than the market average, which generates a difference around R $ 21.00, which, at the end of the 84 installments contracted, generate an amount of R $ 1,768.20. In addition, offsetting the amount paid up-to-date of the outstanding balance of the contract, which is R $ 9,960.39, the amount of R $ 9,364.84 remains. These, amortized in installments due and capitalized with the market interest rate, generate 13.20% lower monthly installments for possible deposit on consignment.