{"id":1335,"date":"2022-09-29T13:37:20","date_gmt":"2022-09-29T13:37:20","guid":{"rendered":"http:\/\/agnk.lidedigital.com.br\/?p=1335"},"modified":"2022-09-29T13:37:20","modified_gmt":"2022-09-29T13:37:20","slug":"aplicacao-da-taxa-media-de-mercado-nos-contratos-bancarios-em-que-nao-ha-comprovacao-da-taxa-de-juros-efetivamente-contratada","status":"publish","type":"post","link":"https:\/\/agkn.com.br\/index.php\/2022\/09\/29\/aplicacao-da-taxa-media-de-mercado-nos-contratos-bancarios-em-que-nao-ha-comprovacao-da-taxa-de-juros-efetivamente-contratada\/","title":{"rendered":"Aplica\u00e7\u00e3o da taxa m\u00e9dia de mercado nos contratos banc\u00e1rios em que n\u00e3o h\u00e1 comprova\u00e7\u00e3o da taxa de juros efetivamente contratada"},"content":{"rendered":"\n<p>A Segunda Se\u00e7\u00e3o do Superior Tribunal de Justi\u00e7a aprovou no dia 18\/05\/2015 a S\u00famula n\u00b0 530, segundo o qual\u00a0<em>\u201cnos contratos banc\u00e1rios, na impossibilidade de comprovar a taxa de juros efetivamente contratada &#8211; por aus\u00eancia de pactua\u00e7\u00e3o ou pela falta de juntada do instrumento aos autos -, aplica-se a taxa m\u00e9dia de mercado, divulgada pelo Bacen, praticada nas opera\u00e7\u00f5es da mesma esp\u00e9cie, salvo se a taxa cobrada for mais vantajosa para o devedor.\u201d<\/em>\u00a0At\u00e9 a edi\u00e7\u00e3o da s\u00famula n\u00e3o estava definido o crit\u00e9rio de aplica\u00e7\u00e3o dos juros remunerat\u00f3rios nos contr\u00e1rios banc\u00e1rios em que as cl\u00e1usulas contratuais que previam a incid\u00eancia de juros remunerat\u00f3rios, por n\u00e3o possu\u00edrem a fixa\u00e7\u00e3o da respectiva taxa, eram consideradas abusivas pelo Poder Judici\u00e1rio, em sede de revis\u00e3o de contrato. Diante dessa abusividade, ou se considerava n\u00e3o pactuado os juros remunerat\u00f3rios, ou se definiria um crit\u00e9rio de apura\u00e7\u00e3o das taxas, para\u00a0<em>\u201cajustar a disposi\u00e7\u00e3o nula\u201d<\/em>. A primeira hip\u00f3tese foi afastada sob o fundamento de que nos empr\u00e9stimos destinados a fins econ\u00f4micos a incid\u00eancia dos juros seria presumida. Com isso, o E. Superior Tribunal de Justi\u00e7a acolheu a segunda hip\u00f3tese, criando crit\u00e9rio de valida\u00e7\u00e3o de disposi\u00e7\u00e3o contratual nula, em favor das institui\u00e7\u00f5es financeiras.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A Segunda Se\u00e7\u00e3o do Superior Tribunal de Justi\u00e7a aprovou no dia 18\/05\/2015 a S\u00famula n\u00b0 530, segundo o qual \u201cnos contratos banc\u00e1rios, na impossibilidade de com<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[6],"tags":[],"class_list":["post-1335","post","type-post","status-publish","format-standard","hentry","category-noticias"],"_links":{"self":[{"href":"https:\/\/agkn.com.br\/index.php\/wp-json\/wp\/v2\/posts\/1335","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/agkn.com.br\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/agkn.com.br\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/agkn.com.br\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/agkn.com.br\/index.php\/wp-json\/wp\/v2\/comments?post=1335"}],"version-history":[{"count":0,"href":"https:\/\/agkn.com.br\/index.php\/wp-json\/wp\/v2\/posts\/1335\/revisions"}],"wp:attachment":[{"href":"https:\/\/agkn.com.br\/index.php\/wp-json\/wp\/v2\/media?parent=1335"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/agkn.com.br\/index.php\/wp-json\/wp\/v2\/categories?post=1335"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/agkn.com.br\/index.php\/wp-json\/wp\/v2\/tags?post=1335"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}