A Perícia Econômico-Financeira como instrumento de resolução de lides contratuais

Abstract

This work aims to revise a (real) credit agreement agreed between a large Financial Institution and Construction Company through the expert techniques used by the professional economist. This agreement refers to the approval of credit approved in the amount of R$ 6.434.542,50, with an interest rate of 9.5% per year with a term of 54 months with installments in the amount of R$ 119.158,19 plus interest proportional to the debt balance, with the application of the discount rate for default at the rate of 15% on interest paid, and default charges of 12% per year, proportional to the default period. From the revision of the contract and the recalculation of the financing based on the “Hamburguês Amortization Method” under the allegation of the contractor for non-compliance by the financial institution, the conclusion of the work is that, after due compensation between the amount overpaid and the balance of overdue installments - recalculated and updated with estimated charges, the contract is settled and there is still a credit balance in favor of “CONSTRUTORA X” in the amount of R$ 567.566,12.