{"id":902571,"date":"2026-11-12T12:00:00","date_gmt":"2026-11-12T15:00:00","guid":{"rendered":"https:\/\/lexflowcrm.com.br\/blog\/?p=902571"},"modified":"2026-11-12T12:00:00","modified_gmt":"2026-11-12T15:00:00","slug":"capitalizacao-diaria-de-juros-stj","status":"publish","type":"post","link":"https:\/\/lexflowcrm.com.br\/blog\/capitalizacao-diaria-de-juros-stj\/","title":{"rendered":"Capitaliza\u00e7\u00e3o di\u00e1ria de juros sem taxa di\u00e1ria expressa n\u00e3o vira juros simples, decide Quarta Turma do STJ"},"content":{"rendered":"

A Quarta Turma do STJ decidiu, por unanimidade, que a capitaliza\u00e7\u00e3o di\u00e1ria de juros prevista de forma expressa em contrato banc\u00e1rio continua v\u00e1lida mesmo sem a indica\u00e7\u00e3o do percentual da taxa di\u00e1ria, desde que o documento traga com clareza as taxas efetivas mensal e anual. O julgamento aconteceu em 12 de maio de 2026; em seguida, em 18 de agosto, a tese apareceu na edi\u00e7\u00e3o 897 do Informativo de Jurisprud\u00eancia.<\/p>\n

O caso<\/h2>\n

Uma consumidora entrou com a\u00e7\u00e3o revisional contra o banco que lhe concedeu um financiamento. Segundo ela, o contrato n\u00e3o deixava expl\u00edcitos nem o percentual di\u00e1rio dos juros nem a incid\u00eancia de juros sobre juros a cada dia. Por isso, pediu que os juros compostos dessem lugar a juros simples, o que reduziria as presta\u00e7\u00f5es e o total da d\u00edvida.<\/p>\n

Assim, a pergunta levada ao STJ era objetiva: a falta da taxa di\u00e1ria no contrato compromete a cobran\u00e7a da taxa efetiva anual combinada?<\/p>\n

Por que a turma manteve a capitaliza\u00e7\u00e3o di\u00e1ria de juros<\/h2>\n

Em primeiro lugar, a relatora partiu do precedente repetitivo da Segunda Se\u00e7\u00e3o (REsp 973.827), tamb\u00e9m consolidado na S\u00famula 541. De acordo com ele, os contratos firmados depois de 31 de mar\u00e7o de 2000, data da Medida Provis\u00f3ria 1.963-17 (hoje MP 2.170-36\/2001), podem prever capitaliza\u00e7\u00e3o em per\u00edodo menor que um ano, desde que de forma expressa e clara. Al\u00e9m disso, uma taxa anual maior que doze vezes a mensal j\u00e1 autoriza cobrar a taxa efetiva anual prevista.<\/p>\n

Em seguida, a turma compatibilizou esse entendimento com outro julgado da Segunda Se\u00e7\u00e3o, espec\u00edfico sobre capitaliza\u00e7\u00e3o di\u00e1ria. Naquele caso, ali\u00e1s, o tribunal afastou a taxa di\u00e1ria, mas manteve as taxas efetivas mensal e anual do contrato.<\/p>\n

Com efeito, o racioc\u00ednio central \u00e9 matem\u00e1tico. Afinal, uma mesma taxa efetiva anual corresponde a uma taxa mensal e a uma taxa di\u00e1ria equivalentes, e n\u00e3o h\u00e1 como separar uma da outra. Para a relatora, a taxa di\u00e1ria s\u00f3 teria utilidade pr\u00e1tica em empr\u00e9stimo com prazo menor que um m\u00eas ou quando o devedor quisesse antecipar o pagamento em alguns dias.<\/p>\n

Contudo, n\u00e3o era esse o pedido. Na verdade, a consumidora queria ler juros simples onde o contrato falava em juros capitalizados, para pagar menos do que o combinado. Como o contrato previa a capitaliza\u00e7\u00e3o di\u00e1ria e informava as taxas mensal e anual, o valor emprestado, o n\u00famero e o valor das parcelas fixas e o total da d\u00edvida, a turma n\u00e3o viu ilegalidade na cobran\u00e7a.<\/p>\n

O que a decis\u00e3o sobre capitaliza\u00e7\u00e3o di\u00e1ria de juros muda na pr\u00e1tica<\/h2>\n

Embora venha de uma turma, a decis\u00e3o aplica um repetitivo da Segunda Se\u00e7\u00e3o. Por isso, ela tende a orientar as a\u00e7\u00f5es revisionais de financiamentos com parcelas prefixadas.<\/p>\n

Na defesa do consumidor<\/h3>\n
    \n
  1. Leia o contrato antes de montar a tese.<\/strong> Se ele prev\u00ea a capitaliza\u00e7\u00e3o di\u00e1ria de juros e traz as taxas efetivas mensal e anual, a aus\u00eancia da taxa di\u00e1ria, sozinha, dificilmente sustenta o pedido de juros simples.<\/li>\n
  2. Pe\u00e7a a planilha de c\u00e1lculo.<\/strong> Afinal, a MP 2.170-36\/2001 obriga o credor a apresentar, quando o devedor pedir, uma planilha clara com principal, encargos e crit\u00e9rios de incid\u00eancia dos juros (artigo 5\u00ba, par\u00e1grafo \u00fanico).<\/li>\n
  3. Use a taxa di\u00e1ria onde ela importa.<\/strong> Na quita\u00e7\u00e3o antecipada, o consumidor tem direito \u00e0 redu\u00e7\u00e3o proporcional dos juros (artigo 52, \u00a7 2\u00ba, do CDC), e \u00e9 nesse c\u00e1lculo que a taxa di\u00e1ria pode fazer diferen\u00e7a.<\/li>\n<\/ol>\n

    Na defesa das institui\u00e7\u00f5es financeiras<\/h3>\n
      \n
    1. Mantenha a reda\u00e7\u00e3o expressa.<\/strong> Ou seja, informe a periodicidade da capitaliza\u00e7\u00e3o, as taxas efetivas mensal e anual, o valor financiado, o n\u00famero e o valor das parcelas e o total a pagar, em linha com o artigo 52 do CDC.<\/li>\n
    2. Organize a defesa em escala.<\/strong> Em carteiras com muitas revisionais, separe os casos que discutem s\u00f3 a taxa di\u00e1ria; nesse ponto, as rotinas de contencioso de massa<\/a> ajudam a padronizar teses e documentos.<\/li>\n<\/ol>\n

      Do lado do consumidor, por sua vez, as orienta\u00e7\u00f5es sobre clientes na advocacia banc\u00e1ria<\/a> ajudam a filtrar demandas que dependem apenas desse argumento.<\/p>\n

      Muitas vezes, a a\u00e7\u00e3o revisional nasce de uma leitura apressada do contrato. Desse modo, vale incluir na an\u00e1lise inicial de cada caso uma confer\u00eancia simples, com a periodicidade da capitaliza\u00e7\u00e3o e as taxas mensal e anual lado a lado, antes de definir os pedidos e de explicar ao cliente o que a a\u00e7\u00e3o pode ou n\u00e3o alcan\u00e7ar.<\/p>\n

      Fonte: Informativo de Jurisprud\u00eancia 897: Contrato de presta\u00e7\u00f5es prefixadas. Capitaliza\u00e7\u00e3o di\u00e1ria prevista no contrato<\/a>, publicado pelo STJ em 18\/08\/2026.<\/p>\n

      Agende uma demonstra\u00e7\u00e3o do LexFlow<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

      Para a Quarta Turma do STJ, a capitaliza\u00e7\u00e3o di\u00e1ria de juros prevista no contrato vale sem a taxa di\u00e1ria, se as taxas mensal e anual est\u00e3o claras.<\/p>\n","protected":false},"author":4,"featured_media":903571,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[511],"tags":[658,673,691,548,634],"class_list":["post-902571","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias-juridicas","tag-acao-revisional","tag-capitalizacao-diaria-de-juros","tag-contratos-bancarios","tag-direito-bancario","tag-stj"],"yoast_head":"\nCapitaliza\u00e7\u00e3o di\u00e1ria de juros: STJ mant\u00e9m o contrato<\/title>\n<meta name=\"description\" content=\"Para a Quarta Turma do STJ, a capitaliza\u00e7\u00e3o di\u00e1ria de juros prevista no contrato vale sem a taxa di\u00e1ria, se as taxas mensal e anual est\u00e3o claras.\" \/>\n<meta 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