Perícia econômica: revisão de contrato de financiamento de veículos para análise de irregularidade

Abstract

This work aims to revise a (real) credit agreement for the purchase of a vehicle agreed between a large Financial Institution and a banking consumer, using the expert techniques used by the economist. This contract refers to the release of credit in the total amount of R $ 60,000.00, of which R $ 76,000.00 is the total value of the asset, input of R $ 16,000.00, plus authorized payments such as Contract Registration, Insurance etc., signed in June 2017, with a contractual interest rate of 2.44% per month (33.55% per year), with payment expected in 48 monthly installments of R $ 2,135.00, as of 28 / 07/17 to 06/28/21. From the revision of the contract and recalculation of the financing based on the “average market rate”, the value of the portion below that charged by the institution was determined, from which it was found that after due compensation between the amount overpaid and the balance of overdue and falling due installments - recalculated and updated with estimated charges, the contract presents a new debit balance, in the amount of R $ 64,885.24, that is, well below the amount informed by the financial institution.