{"id":15598,"date":"2020-12-24T10:24:09","date_gmt":"2020-12-24T13:24:09","guid":{"rendered":"https:\/\/justicapotiguar.com.br\/?p=15598"},"modified":"2020-12-24T10:24:09","modified_gmt":"2020-12-24T13:24:09","slug":"30-decisoes-importantes-do-stf-e-do-stj-acerca-dos-contratos-bancarios-parte-01","status":"publish","type":"post","link":"https:\/\/justicapotiguar.com.br\/index.php\/2020\/12\/24\/30-decisoes-importantes-do-stf-e-do-stj-acerca-dos-contratos-bancarios-parte-01\/","title":{"rendered":"30 decis\u00f5es importantes do STF e do STJ acerca dos contratos banc\u00e1rios \u2013 parte 01"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"460\" height=\"300\" src=\"https:\/\/justicapotiguar.com.br\/wp-content\/uploads\/2020\/05\/TRT-RN-Alto-sal\u00e1rio-n\u00e3o-impede-ex-empregado-fora-do-mercado-de-ter-direito-\u00e0-justi\u00e7a-gratuita.jpeg\" alt=\"\" class=\"wp-image-9340\" srcset=\"https:\/\/justicapotiguar.com.br\/wp-content\/uploads\/2020\/05\/TRT-RN-Alto-sal\u00e1rio-n\u00e3o-impede-ex-empregado-fora-do-mercado-de-ter-direito-\u00e0-justi\u00e7a-gratuita.jpeg 460w, https:\/\/justicapotiguar.com.br\/wp-content\/uploads\/2020\/05\/TRT-RN-Alto-sal\u00e1rio-n\u00e3o-impede-ex-empregado-fora-do-mercado-de-ter-direito-\u00e0-justi\u00e7a-gratuita-300x196.jpeg 300w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><figcaption>Reprodu\u00e7\u00e3o<\/figcaption><\/figure>\n\n\n\n<p><strong>Por Rodrigo Leite<\/strong> | <strong>Telegram:<\/strong> <a href=\"https:\/\/t.me\/pilulasjuridicasSTFSTJ\">https:\/\/t.me\/pilulasjuridicasSTFSTJ<\/a><\/p>\n\n\n\n<p><strong>1)<\/strong> O prazo prescricional para as a\u00e7\u00f5es revisionais de contrato banc\u00e1rio, nas quais se pede o reconhecimento da exist\u00eancia de cl\u00e1usulas contratuais abusivas e a consequente restitui\u00e7\u00e3o das quantias pagas a maior, \u00e9 vinten\u00e1rio (sob a \u00e9gide do C\u00f3digo Civil de 1916) ou decenal (na vig\u00eancia do C\u00f3digo Civil de 2002) \u2013 <strong>AgInt no AREsp 1.678.611\/PR<\/strong>, DJe 23\/11\/2020.<\/p>\n\n\n\n<p><strong>2)<\/strong> As institui\u00e7\u00f5es financeiras n\u00e3o se sujeitam \u00e0 limita\u00e7\u00e3o dos juros remunerat\u00f3rios estipulada na Lei de Usura (Decreto 22.626\/33) \u2013 S\u00famula 596 do STF (<strong>REsp 1.061.530\/RS<\/strong>, DJe 10\/03\/2009 \u2013 Tema 24 e <strong>AgInt no AREsp 1539213\/MS<\/strong>, DJe 24\/11\/2020).<\/p>\n\n\n\n<p><strong>3)<\/strong>&nbsp; A estipula\u00e7\u00e3o de juros remunerat\u00f3rios superiores a 12% ao ano, por si s\u00f3, n\u00e3o indica abusividade (<strong>REsp 1.061.530\/RS<\/strong>, DJe 10\/03\/2009 \u2013 Tema 25 e <strong>AgInt no AREsp 1539213\/MS<\/strong>, DJe 24\/11\/2020).<\/p>\n\n\n\n<p><strong>4)<\/strong> S\u00e3o inaplic\u00e1veis aos juros remunerat\u00f3rios dos contratos de m\u00fatuo banc\u00e1rio as disposi\u00e7\u00f5es do art. 591 c\/c o art. 406 do CC\/2002 (<strong>REsp 1.061.530\/RS<\/strong>, DJe 10\/03\/2009 \u2013 Tema 26 e <strong>AgInt no AREsp 1539213\/MS<\/strong>, DJe 24\/11\/2020).<\/p>\n\n\n\n<p><strong>5)<\/strong> \u00c9 admitida a revis\u00e3o das taxas de juros remunerat\u00f3rios em situa\u00e7\u00f5es excepcionais, desde que caracterizada a rela\u00e7\u00e3o de consumo e que a abusividade (capaz de colocar o consumidor em desvantagem exagerada (art. 51, \u00a7 1\u00ba, do CDC) fique cabalmente demonstrada, ante \u00e0s peculiaridades do julgamento em concreto (<strong>REsp 1.061.530\/RS<\/strong>, DJe 10\/03\/2009 \u2013 Tema 27 e <strong>AgInt no AREsp 1539213\/MS<\/strong>, DJe 24\/11\/2020).<\/p><div class=\"vkozy69d1b8e9ebe21\" ><!--<a href=\"https:\/\/bit.ly\/3QdrqTZ\" target=\"_blank\">\n<img src=\"https:\/\/justicapotiguar.com.br\/wp-content\/uploads\/2023\/09\/mobile-geral.gif\"\/><a\/>--><\/div><style type=\"text\/css\">\r\n.vkozy69d1b8e9ebe21 {\r\ntext-align: center;\r\n}\r\n@media screen and (min-width: 1201px) {\r\n.vkozy69d1b8e9ebe21 {\r\ndisplay: none;\r\n}\r\n}\r\n@media screen and (min-width: 993px) and (max-width: 1200px) {\r\n.vkozy69d1b8e9ebe21 {\r\ndisplay: none;\r\n}\r\n}\r\n@media screen and (min-width: 769px) and (max-width: 992px) {\r\n.vkozy69d1b8e9ebe21 {\r\ndisplay: none;\r\n}\r\n}\r\n@media screen and (min-width: 768px) and (max-width: 768px) {\r\n.vkozy69d1b8e9ebe21 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (max-width: 767px) {\r\n.vkozy69d1b8e9ebe21 {\r\ndisplay: block;\r\n}\r\n}\r\n<\/style>\r\n<div class=\"ygbry69d1b8e9ebe01\" ><!--<a href=\"https:\/\/bit.ly\/3QdrqTZ\" target=\"_blank\">\n<img src=\"https:\/\/justicapotiguar.com.br\/wp-content\/uploads\/2023\/09\/desktop-geral.gif\"\/><a\/>--><\/div><style type=\"text\/css\">\r\n.ygbry69d1b8e9ebe01 {\r\ntext-align: center;\nmargin-bottom: 1em;\r\n}\r\n@media screen and (min-width: 1201px) {\r\n.ygbry69d1b8e9ebe01 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 993px) and (max-width: 1200px) {\r\n.ygbry69d1b8e9ebe01 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 769px) and (max-width: 992px) {\r\n.ygbry69d1b8e9ebe01 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 768px) and (max-width: 768px) {\r\n.ygbry69d1b8e9ebe01 {\r\ndisplay: none;\r\n}\r\n}\r\n@media screen and (max-width: 767px) {\r\n.ygbry69d1b8e9ebe01 {\r\ndisplay: none;\r\n}\r\n}\r\n<\/style>\r\n\n\n\n\n<p><strong>6)<\/strong> A capitaliza\u00e7\u00e3o dos juros em periodicidade inferior \u00e0 anual deve vir pactuada de forma expressa e clara. A previs\u00e3o no contrato banc\u00e1rio de taxa de juros anual superior ao duod\u00e9cuplo da mensal \u00e9 suficiente para permitir a cobran\u00e7a da taxa efetiva anual contratada (<strong>AgInt no AREsp 1.595.931\/RS<\/strong>, DJe 07\/12\/2020 \u2013 <strong>S\u00famula 541 do STJ <\/strong>e Tema 247).<\/p>\n\n\n\n<p><strong>7)<\/strong> \u00c9 permitida a capitaliza\u00e7\u00e3o de juros com periodicidade inferior \u00e0 anual em contratos celebrados com institui\u00e7\u00f5es integrantes do Sistema Financeiro Nacional a partir de 31\/3\/2000 (MP n. 1.963-17\/2000, reeditada como MP n. 2.170-36\/2001), desde que expressamente pactuada (<strong>AgInt nos EDcl no AREsp 1551061\/MG<\/strong>, DJe 28\/09\/2020 \u2013&nbsp;<\/p>\n\n\n\n<p><strong>S\u00famula 539 do STJ<\/strong> e Tema 246)<\/p>\n\n\n\n<p><strong>8)<\/strong> Nos contratos banc\u00e1rios, a limita\u00e7\u00e3o da taxa de juros remunerat\u00f3rios s\u00f3 se justifica nos casos em que aferida a exorbit\u00e2ncia da taxa em rela\u00e7\u00e3o a m\u00e9dia de mercado (<strong>AgInt no AREsp 1643166\/SP<\/strong>, DJe 27\/11\/2020).<\/p>\n\n\n\n<p><strong>9)<\/strong> Nos contratos banc\u00e1rios, a mora do devedor \u00e9 descaracterizada t\u00e3o somente quando a \u00edndole abusiva decorrer da cobran\u00e7a dos chamados encargos do \u201cper\u00edodo da normalidade\u201d, juros remunerat\u00f3rios e capitaliza\u00e7\u00e3o dos juros (<strong>AgInt no AREsp 1595931\/RS<\/strong>, DJe 07\/12\/2020).<\/p>\n\n\n\n<p><strong>10)<\/strong> \u00c9 legal a cobran\u00e7a da comiss\u00e3o de perman\u00eancia na fase de inadimpl\u00eancia, desde que n\u00e3o cumulada com corre\u00e7\u00e3o monet\u00e1ria, juros remunerat\u00f3rios, multa contratual e juros morat\u00f3rios \u2013 <strong>AgInt no AREsp 721.211\/SP<\/strong>, DJe 07\/12\/2020).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por Rodrigo Leite | Telegram: https:\/\/t.me\/pilulasjuridicasSTFSTJ 1) O prazo prescricional para as a\u00e7\u00f5es revisionais de contrato banc\u00e1rio, nas quais se pede o reconhecimento da exist\u00eancia de cl\u00e1usulas contratuais abusivas e a consequente restitui\u00e7\u00e3o das quantias pagas a maior, \u00e9 vinten\u00e1rio (sob a \u00e9gide do C\u00f3digo Civil de 1916) ou decenal (na vig\u00eancia do C\u00f3digo Civil<br \/><a class=\"more-link\" href=\"https:\/\/justicapotiguar.com.br\/index.php\/2020\/12\/24\/30-decisoes-importantes-do-stf-e-do-stj-acerca-dos-contratos-bancarios-parte-01\/\">Mais&#8230;<\/a><\/p>\n","protected":false},"author":5,"featured_media":9340,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"_links":{"self":[{"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/posts\/15598"}],"collection":[{"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/comments?post=15598"}],"version-history":[{"count":1,"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/posts\/15598\/revisions"}],"predecessor-version":[{"id":15599,"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/posts\/15598\/revisions\/15599"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/media\/9340"}],"wp:attachment":[{"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/media?parent=15598"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/categories?post=15598"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/tags?post=15598"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}