{"id":16991,"date":"2021-03-01T16:39:25","date_gmt":"2021-03-01T19:39:25","guid":{"rendered":"https:\/\/justicapotiguar.com.br\/?p=16991"},"modified":"2021-03-01T15:41:09","modified_gmt":"2021-03-01T18:41:09","slug":"30-decisoes-importantes-do-stf-e-do-stj-acerca-dos-contratos-bancarios-parte-03-03","status":"publish","type":"post","link":"https:\/\/justicapotiguar.com.br\/index.php\/2021\/03\/01\/30-decisoes-importantes-do-stf-e-do-stj-acerca-dos-contratos-bancarios-parte-03-03\/","title":{"rendered":"30 decis\u00f5es importantes do STF e do STJ acerca dos contratos banc\u00e1rios \u2013 parte 03\/03"},"content":{"rendered":"\n<p><strong>Rodrigo Leite<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"787\" height=\"525\" src=\"https:\/\/justicapotiguar.com.br\/wp-content\/uploads\/2020\/02\/senha_atendimento_banco_787.jpg\" alt=\"\" class=\"wp-image-6341\" srcset=\"https:\/\/justicapotiguar.com.br\/wp-content\/uploads\/2020\/02\/senha_atendimento_banco_787.jpg 787w, https:\/\/justicapotiguar.com.br\/wp-content\/uploads\/2020\/02\/senha_atendimento_banco_787-300x200.jpg 300w, https:\/\/justicapotiguar.com.br\/wp-content\/uploads\/2020\/02\/senha_atendimento_banco_787-768x512.jpg 768w\" sizes=\"(max-width: 787px) 100vw, 787px\" \/><figcaption>Ilustrativa <\/figcaption><\/figure>\n\n\n\n<p><strong>Partes 01 e 02 dispon\u00edveis em <\/strong><a href=\"https:\/\/t.me\/pilulasjuridicasSTFSTJ\">https:\/\/t.me\/pilulasjuridicasSTFSTJ<\/a><\/p>\n\n\n\n<p><strong>21)<\/strong> Os juros poder\u00e3o ser convencionados at\u00e9 o limite de 1% ao m\u00eas nos contratos banc\u00e1rios n\u00e3o regidos por legisla\u00e7\u00e3o espec\u00edfica (<strong>REsp 1.061.530\/RS<\/strong>, DJe 10\/03\/2009 \u2013 Tema 30, <strong>S\u00famula 379 do STJ <\/strong>e <strong>AgInt no AREsp 1713650\/SE<\/strong>, DJe 18\/12\/2020)<\/p>\n\n\n\n<p><strong>22)<\/strong> A renegocia\u00e7\u00e3o de contrato banc\u00e1rio ou a confiss\u00e3o da d\u00edvida n\u00e3o impede a possibilidade de discuss\u00e3o sobre eventuais ilegalidades dos contratos anteriores (<strong>S\u00famula 286 do STJ<\/strong> e <strong>AgInt no AREsp 1467674\/PR<\/strong>, DJe 27\/08\/2020)<\/p>\n\n\n\n<p><strong>23)<\/strong> Nos contratos banc\u00e1rios posteriores ao in\u00edcio da vig\u00eancia da Resolu\u00e7\u00e3o-CMN n. 3.518\/2007, em 30\/4\/2008, pode ser cobrada a tarifa de cadastro no in\u00edcio do relacionamento entre o consumidor e a institui\u00e7\u00e3o financeira (<strong>S\u00famula 566 do STJ)<\/strong><\/p>\n\n\n\n<p><strong>24)<\/strong> Na hip\u00f3tese em que pactuada a capitaliza\u00e7\u00e3o di\u00e1ria de juros remunerat\u00f3rios, \u00e9 dever da institui\u00e7\u00e3o financeira informar ao consumidor acerca da taxa di\u00e1ria aplicada (<strong>REsp 1.826.463\/SC<\/strong>, DJe 29\/10\/2020)<\/p><div class=\"cfbws69e780ae19fcb\" ><!--<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.cfbws69e780ae19fcb {\r\ntext-align: center;\r\n}\r\n@media screen and (min-width: 1201px) {\r\n.cfbws69e780ae19fcb {\r\ndisplay: none;\r\n}\r\n}\r\n@media screen and (min-width: 993px) and (max-width: 1200px) {\r\n.cfbws69e780ae19fcb {\r\ndisplay: none;\r\n}\r\n}\r\n@media screen and (min-width: 769px) and (max-width: 992px) {\r\n.cfbws69e780ae19fcb {\r\ndisplay: none;\r\n}\r\n}\r\n@media screen and (min-width: 768px) and (max-width: 768px) {\r\n.cfbws69e780ae19fcb {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (max-width: 767px) {\r\n.cfbws69e780ae19fcb {\r\ndisplay: block;\r\n}\r\n}\r\n<\/style>\r\n<div class=\"vfupq69e780ae19fab\" ><!--<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.vfupq69e780ae19fab {\r\ntext-align: center;\nmargin-bottom: 1em;\r\n}\r\n@media screen and (min-width: 1201px) {\r\n.vfupq69e780ae19fab {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 993px) and (max-width: 1200px) {\r\n.vfupq69e780ae19fab {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 769px) and (max-width: 992px) {\r\n.vfupq69e780ae19fab {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 768px) and (max-width: 768px) {\r\n.vfupq69e780ae19fab {\r\ndisplay: none;\r\n}\r\n}\r\n@media screen and (max-width: 767px) {\r\n.vfupq69e780ae19fab {\r\ndisplay: none;\r\n}\r\n}\r\n<\/style>\r\n\n\n\n\n<p><strong>25)<\/strong> \u00c9 dever das institui\u00e7\u00f5es financeiras envolvidas na opera\u00e7\u00e3o de portabilidade de cr\u00e9dito apurar a regularidade do consentimento e da transfer\u00eancia da opera\u00e7\u00e3o, recaindo sobre elas a reponsabilidade solid\u00e1ria pelos danos decorrentes de falha na presta\u00e7\u00e3o do servi\u00e7o (<strong>REsp 1.771.984\/RJ<\/strong>, DJe 29\/10\/2020)<\/p>\n\n\n\n<p><strong>26)<\/strong> A abusividade de encargos acess\u00f3rios do contrato n\u00e3o<br>descaracteriza a mora (<strong>REsp 1.823.342\/SP<\/strong>, DJe 11\/05\/2020 e <strong>REsp 1639259\/SP<\/strong>, DJe 17\/12\/2018, Tema 972)<\/p>\n\n\n\n<p><strong>27)<\/strong> Nos contratos banc\u00e1rios em geral, o consumidor n\u00e3o pode ser compelido a contratar seguro com a institui\u00e7\u00e3o financeira ou com seguradora por ela indicada (<strong>AgInt no REsp 1844923\/SP<\/strong>, DJe 26\/06\/2020 e <strong>REsp 1639259\/SP<\/strong>, DJe 17\/12\/2018, Tema 972)<\/p>\n\n\n\n<p><strong>28)<\/strong> Nos contratos de m\u00fatuo em que a disponibiliza\u00e7\u00e3o do capital \u00e9 imediata, o montante dos juros remunerat\u00f3rios praticados deve ser consignado no respectivo instrumento. Ausente a fixa\u00e7\u00e3o da taxa no contrato o juiz deve limitar os juros \u00e0 m\u00e9dia de mercado nas opera\u00e7\u00f5es da esp\u00e9cie, divulgada pelo Bacen, salvo se a taxa cobrada for mais vantajosa para o cliente. Em qualquer hip\u00f3tese, \u00e9 poss\u00edvel a corre\u00e7\u00e3o para a taxa m\u00e9dia se for verificada abusividade nos juros remunerat\u00f3rios praticados (<strong>REsp 1.112.879\/PR<\/strong>, DJe 19\/05\/2020, <strong>Temas 233<\/strong> <strong>e 234<\/strong>).<\/p>\n\n\n\n<p><strong>29)<\/strong> Nos contratos de m\u00fatuo e financiamento, o devedor n\u00e3o possui interesse de agir para a a\u00e7\u00e3o de presta\u00e7\u00e3o de contas (<strong>REsp 1.293.558\/PR<\/strong>, DJe 25\/3\/2015, <strong>Tema 528<\/strong> e <strong>AgInt no AREsp 1672690\/SP<\/strong>, DJe 07\/10\/2020).<\/p>\n\n\n\n<p><strong>30)<\/strong> Os juros remunerat\u00f3rios, n\u00e3o cumul\u00e1veis com a comiss\u00e3o de perman\u00eancia, s\u00e3o devidos no per\u00edodo de inadimpl\u00eancia, \u00e0 taxa m\u00e9dia de mercado estipulada pelo Banco Central do Brasil, limitada ao percentual contratado \u2013 <strong>S\u00famula 296 do STJ<\/strong> e <strong>AgInt nos EDcl no REsp 1382141\/SC<\/strong>, DJe 12\/03\/2020).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rodrigo Leite Partes 01 e 02 dispon\u00edveis em https:\/\/t.me\/pilulasjuridicasSTFSTJ 21) Os juros poder\u00e3o ser convencionados at\u00e9 o limite de 1% ao m\u00eas nos contratos banc\u00e1rios n\u00e3o regidos por legisla\u00e7\u00e3o espec\u00edfica (REsp 1.061.530\/RS, DJe 10\/03\/2009 \u2013 Tema 30, S\u00famula 379 do STJ e AgInt no AREsp 1713650\/SE, DJe 18\/12\/2020) 22) A renegocia\u00e7\u00e3o de contrato banc\u00e1rio ou<br \/><a class=\"more-link\" href=\"https:\/\/justicapotiguar.com.br\/index.php\/2021\/03\/01\/30-decisoes-importantes-do-stf-e-do-stj-acerca-dos-contratos-bancarios-parte-03-03\/\">Mais&#8230;<\/a><\/p>\n","protected":false},"author":5,"featured_media":6341,"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\/16991"}],"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=16991"}],"version-history":[{"count":1,"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/posts\/16991\/revisions"}],"predecessor-version":[{"id":16992,"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/posts\/16991\/revisions\/16992"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/media\/6341"}],"wp:attachment":[{"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/media?parent=16991"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/categories?post=16991"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/justicapotiguar.com.br\/index.php\/wp-json\/wp\/v2\/tags?post=16991"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}