5 Perguntas Comuns sobre Revisional de juros de Financiamento de Caminhão

caminhoes-novos-e-usados-parcelas-altas

Por que um caminhão é financiado?

Por ser um veículo muito caro, a maioria dos trabalhadores que atuam no transporte de carga optam pelo financiamento do veículo por não terem o recurso à vista para adquirir o caminhão, porém no parcelamento a taxa de juros cobrada no contrato pode ser muito alta e muitas vezes até abusiva. Por isso ao adquirir um caminhão financiado temos que prestar bastante atenção na taxa cobrada pela instituição financeira e o que diz o contrato de financiamento referente a taxa de juros.

Como é medida a taxa de um financiamento de um caminhão para saber se é muito alta e abusiva?

O Banco Central do Brasil todos os meses libera uma taxa, que seria a ideal a ser praticada pelos bancos e instituições financeiras diversas, essa é a taxa que deveria ser usada em um contrato de financiamento de um caminhão por exemplo, porém muitas vezes não é o que acontece, por serem liberadas a praticar a taxa acima da ideal, os bancos e financeiras pegam o caminhoneiro ou transportadora no desespero, por precisarem do veículo de transporte para trabalhar e acabam praticando uma taxa de financiamento abusiva e absurda sobre o financiamento do caminhão.Tendo esta taxa em mãos podemos
calcular através do valor da parcela se o banco está abusando e se a parcela está muito alta.

Quando as transportadoras e caminhoneiros costumam procurar a revisão da parcela do caminhão?

Geralmente um caminhão é um veículo que exige manutenção e custos altos para mantê-lo, pagando a parcela muito alta e mais esta manutenção, o proprietário do caminhão se encontra em uma situação muito difícil, com parcelas absurdas que podem chegar até R$20.000,00 e ainda tendo que gastar em manutenção do próprio caminhão.
Nesta hora é muito importante medir a taxa para ver se a parcela é injusta e entrar com uma Ação Revisional de Juros, se for o caso, para diminuir as parcelas restantes.
É de extrema importância agir antes de atrasar as parcelas do caminhão, pois após três parcelas não pagas a instituição financeira pode entrar com um processo de
Busca e Apreensão do veículo de transporte de carga, assim o prejuízo do proprietário do caminhão pode ser enorme.

Como funciona a Revisional de Caminhões?

Em primeiro lugar deve se medir a taxa cobrada no contrato e compará-la a taxa do Banco Central do mês e ano do financiamento do caminhão, isso é essencial
para se pedir a um Juiz de Direito através de um processo judicial a redução da parcela do caminhão. Verificada a taxa abusiva, por ser um veículo de extrema
importância para o escoamento de produção industrial e agrícola nacional, por minha experiência profissional, constatei que muitos dos juízes são receptivos
a este tipo de processo judicial, dando o ganho de causa para estes trabalhadores do setor.

Como fazer o cálculo para saber se a parcela do caminhão está muito alta?

Existem algumas ferramentas na INTERNET que calculam a taxa para ver se é abusiva, assim podemos saber se vale a pena entrar com a revisional do caminhão.
Indicamos esta ferramenta a seguir para o cálculo da taxa de juros do financiamento do caminhão:

Clique Aqui para calcular a taxa do seu contrato, e saber se a parcela do caminhão está muito alta.

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  68. 當他的手伸進我的臀部,我跳了一點,但從來沒有把我的手從牆上。 他慢慢地把我的腿弄到我的腳踝,舉一隻腳,然後另一個去除他們,離開皮帶,慢慢刪除我的涼鞋。 他分開了我的腿,所以每腳之間有一個兩英尺的差距,傳播我的貓和傳播我的屁股臉頰,足以能夠看到皮帶拔罐我的多汁的unt子和我的屁股。 我感到他的手在我的肩膀彎曲我向前,把我的屁股到空氣中,讓我希望他只是他媽的我的貓,然後和那裡。 相反,我覺得他愛撫我的屁股,拍我的屁股,硬。 我幾乎做了一個噪音,但反而喘氣更快,所以我不會做一個噪音的窺視。

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  76. ハロー。うちは明後日で35歳と2ヶ月になります。そして子に季節になりました。ですからすぐにでもむだ毛は除毛をやっておきたいですよね。近年では、全国に脱毛サロンがいっくらでもあります。やりたい部位は、人それぞれですが、特に多いのは乳首です。私は、店舗が多いシースリーを選びました。そのおかげで、だんだんとムダ毛が減ってきました!やはり家で処理するのとは、効果が凄いです。あとちょっとシースリーに通ってムダ毛を少なくしたいです。でも、医療クリニックに通ったとしても気になるのが脱毛にかかる料金です。それについては、従業員に聞けばいいでしょう。それと気になるのが、長い間通わないといけないのかです。僕はできれば、9カ月くらいで完全に終わってくれると嬉しいです。まあ、これからの人は相談してみましょう。

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  80. はじめまして
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  88. 近ごろ世の中では「ピーリング」なる用語をよく聞きますが、貴方はピーリングの知識は有りますか?

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