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    Revisao de juros

    revisao de juros

    Como fazer revisão de juros?

    A solicitação de revisão de juros é feita por meio de uma ação revisional de contrato. Dessa maneira, você deve contratar um advogado qualificado para atuar na defesa de seus direitos. O objetivo da ação é mostrar ao juiz que inexiste má-fé do autor e que deseja pagar o contrato, mas no valor correto, sem abusos.

    Quando cabe revisional de juros?

    A ação revisional de juros é cabível quando o devedor identifica que está pagando taxas de juros abusivas em um contrato de financiamento ou empréstimo. Essa revisão pode ser aplicada a diversos tipos de contratos, como financiamentos de veículos, imóveis, empréstimos pessoais e até mesmo no uso do cartão de crédito.

    O que é revisão de juros?

    Quer encontrar o crédito ideal para seu perfil? Acesse o Serasa Crédito, serviço da Serasa que pesquisa ofertas de cartão de crédito, empréstimo pessoal e empréstimo com antecipação do FGTS para você de forma online e gratuita. Com a plataforma, é possível buscar as melhores opções e compará-las sem sair de casa. Havendo ofertas para seu CPF, a contratação leva poucos minutos. Lembramos que não há garantias de que um empréstimo seja ofertado para seu CPF. A análise de crédito é feita 100% pelos nossos parceiros.

    Veja como é fácil e rápido fazer a pesquisa e descobrir se há ofertas de empréstimo disponíveis para você:

    1. Acesse o Serasa Crédito

    Acesse o site do Serasa Crédito ou o aplicativo da Serasa, disponível no Google Play e na App Store, e informe seu CPF e senha. Se você ainda não tem cadastro, pode fazer na hora. É rápido e gratuito.

    1. Complete seu perfil

    Ao concluir o login, clique em “atualizar perfil” e preencha com todos os dados solicitados. Isso ajudará você a encontrar as melhores alternativas de crédito.

    1. Faça uma simulação

    Escolha o tipo de crédito que você procura: cartão, empréstimo ou empréstimo FGTS. O Serasa Crédito buscará ofertas para seu perfil junto às instituições financeiras parceiras.

    1. Confira e compare opções

    Se optou pela opção “empréstimo”, simule o valor desejado e confira as opções disponíveis, caso haja ofertas. Para conhecer mais cada opção, basta clicar em “Detalhes da oferta”.

    1. Finalize a contratação

    Após avaliar as opções disponíveis, se houver, é hora de escolher a oferta ideal. Clique em “Solicitar” e aguarde a análise. Em caso de aprovação de crédito, a contratação é finalizada de forma fácil e em poucos minutos.

    O acesso ao Serasa Crédito é gratuito. Assim, você pode buscar e comparar online as opções de crédito sempre que quiser, sem pagar nada por isso.

    Aproveite para simular seu empréstimo agora mesmo. Continue acompanhando os conteúdos exclusivos do blog da Serasa. Até a próxima!

    Quanto tempo demora uma ação revisional de juros?

    A partir de quando: Você começara a realizar os depósitos judiciais tão logo você receba a liminar, a qual demorá em média como já falamos entre 15 e 45 dias.

    Qual o valor de uma ação revisional?

    Categoria: 8 – Locação

    Subcategoria: 16 – Revisional(TACIVIL/SP, DJSP 26.11.99, p. 92)

    BDI nº 3 – ano: 2001 – (Jurisprudência)

    Turma Julgadora da 10ª Câmara

    Juiz Relator: Soares Levada

    Data do Julgamento: 11/08/99

    ACÓRDÃO

    Vistos, relatados e discutidos estes autos, os juízes desta turma julgadora do Segundo Tribunal de Alçada Civil, de conformidade com o relatório e o voto do relator, que ficam fazendo parte integrante deste julgado, nesta data, deram provimento parcial ao recurso, por votação unânime.

    Soarez Levada – Juiz Relator

    VOTO

    Ação Revisional – Valor da causa – Correspondência ao valor de doze meses do aluguel vigente quando do ajuizamento da ação e não ao valor pleiteado – Recurso parcialmente provido.

    Em ação revisional de aluguel, o valor da causa corresponde a doze meses do aluguel vigente à época do ajuizamento da demanda, pois o valor pleiteado pode ou não transformar-se no aluguel devido. Inteligência do art. 58, III, da lei 8.245/91.

    1. Cuida-se de agravo de instrumento interposto da r. decisão interlocutória que admitiu a Lei 8.245/91 como norma disciplinadora da espécie, deixando de aplicar o disposto no artigo 259 do CPC e rejeitando a impugnação ao valor da causa argüida. Alega a agravante que o valor proposto para a renovação do locativo é irrisório, ………….

    Qual o valor da causa em ação revisional de contrato?

    O valor da causa deve corresponder ao valor do contrato, ou seja, o proveito econômico pretendido na demanda.

    Quanto tempo demora um processo de ação revisional?

    Afinal, quanto tempo dura uma ação revisional? De primeira mão já posso te avisar que por se tratar de uma ação jurídica, logo o tempo fica a mercê de uma série de fatores externos, que acabam adiantando ou criando períodos de espera que, podem ser curtos ou, em alguns casos, mais longos.

    Porém, é bom que você saiba que ao longo da tramitação da ação revisional, algumas tratativas serão feitas e podem impactar positiva ou negativamente no tempo de duração da ação.

    A princípio, para quem é totalmente leigo no assunto de ação revisional, fica um pouco difícil entender isto. Mas, se é o seu caso, fique tranquilo porque aqui neste post irei tratar sobre esse assunto.

    Hoje a ideia é conversar com você a respeito da ação revisional, explicando o que é e para que serve, mostrando o porquê que as pessoas ajuízam esse tipo de ação. Também irei tratar sobre como são os seus procedimentos, e só depois de tudo isso é que você estará apto para entender o tempo de duração de uma ação revisional.

    Então se você quer entender mais sobre o que é uma ação revisional e de fato quanto tempo dura uma ação revisional…… Continue lendo este artigo que vamos aprender juntos.

    Uma ação revisional é uma demanda que tramita judicialmente. Isso quer dizer que envolve advogados e juízes, além de você e do banco com o qual assinou o seu contrato financiamento.

    O principal motivo pelo qual você poderá entrar com uma ação revisional é o fato de solicitar correções de algumas cláusulas de seu contrato. Independentemente de você já ter assinado o documento, ou até mesmo de já ter quitado o seu financiamento. Em qualquer situação de tempo você poderá buscar seus direitos garantidos pela Constituição Federal ajuizando uma ação revisional.

    As pessoas ajuízam tais ações para que possa haver a redução ou até mesmo a extinção de todo o saldo que elas devem ao banco. Algumas ações comumente ajuizadas são as do tipo que:

    • Juros Abusivos
    • Contratos de veículos
    • Cartão de crédito

    Embora eu tenha relacionado esses três tipos de forma separada, é interessante você saber que em uma única ação revisional você poderá solicitar a revisão contratual de um financiamento de veículo ao mesmo tempo solicitar revisão de cartão de crédito.

    Na sequência, você irá conhecer outros motivos, ou como é mais comum dizer, outros temas que são debatidos dentro das ações revisionais.

    Por se tratar de uma ação judicial que demanda tempo e dinheiro, paciência e ânimo, ninguém abre uma ação como esta simplesmente para passar o tempo ou brincar. Existem motivos palpáveis para você ajuizar uma ação revisional.

    Logo abaixo, você conhecerá dos motivos que são comumente debatidos em ações desse tipo.

    Juros abusivos é o número um dos temas debatidos em ações revisionais. Esse juros dizem respeito ao valor que você pagará a mais durante todo o período que estiver com o contrato de financiamento em andamento.

    Mesmo que você não esteja inadimplente, ainda assim deverá pagar taxas de juros altíssimas. Se isto não fosse o bastante, os bancos acham por bem cobrar juros exorbitantes. Esse juros altíssimos ex.

    Quem entra com revisional não consegue mais financiamento?

    Quem entra com ação revisional não consegue mais financiamentos? Essa é uma preocupação comum, mas não há uma resposta definitiva. Em tese, o fato de ingressar com uma ação revisional de juros não deveria impedir o devedor de obter novos financiamentos ou empréstimos.
    28 de jul. de 2023

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