Hoje iremos falar sobre se pegar dinheiro com agiota é crime. Se você quer saber mais sobre esse assunto, fique com a gente e leia esse post até o fim!
Nos momentos mais difíceis, seja pela crise financeira que detrói nossa economia com contas para pagar e quando não temos a quem recorrer. Desse modo, acabamos tomando certas atitudes que contrariam o bom senso.
Nesse cenário, a maioria dos brasileiros acabam recorrendo a uma modelo de empréstimo com juros muito altos. Além disso, sem qualquer regulação fiscal que possa intermediar essa movimentação financeira.
Assim, ao obter essa modelo de crédito o consumidor fica a mercê do pagamento da dívida. Que por sua vez, em valor três vezes superior aquele valor tido. Contudo, essa modalidade é legal ou criminosa?
Quer descobrir a resposta sobre o tema? Então fica com a gente até o final desse artigo e descubra. Vamos lá!
Sobre a agiotagem
Uma modalidade de empréstimo pessoal – por assim dizer. Sem regulamentação e não tão jovem no Brasil. Esse tipo de crédito empréstimo ofertado por pessoas. Geralmente é acompanhada de super faturamento e aplicação abusiva de juros sobre juros.
Sem um controle fiscal e de intermediação para regular essa prática, o consumidor em situação de fragilidade financeira acessa ao serviço em condição 100% determinada pelo credor.
Constitui crime a prática de pegar dinheiro com um agiota?
Se você ainda se faz essa indagação sobre a prática de empréstimo pessoal por agiotagem, a resposta é sim! A prática de agiotagem é crime.
Ao contrair um contrato de empréstimo – ainda que não regulado. Com agiotas você está sendo vítima de um crime. E, uma prática não permitida, apoiando de maneira direta o financiamento de outros crimes.
Alguns consumidores não têm essa consciência. Mas, a legislação brasileira é taxativa quando a prática de agiotagem. Desse modo, ao fornecer um serviço financeiro – como o empréstimo por juros, essa pessoa estará correndo em crime contra o Sistema Financeiro Nacional.
Segundo a Lei 7.492/86, qualquer pessoa que ofereça serviços financeiros sem a prévia autorização do BC – Banco Central, praticará ato criminoso. Conforme, apontado nesse artigo.
Quais as desvantagens de pegar dinheiro com um agiota?
Além da prática criminosa, às taxas aplicadas por agiotas são injustas e irregulares. Não existe uma regra ou regulamente sobre essa aplicação. Como por exemplo acontece com os bancos ou financeiras.
Ainda, por vezes, essas pessoas – agiotas, reivindicam ou cobram os valores adquirido pelo contratante com juros além dos aplicados pelas citadas instituições.
O valor adquirido poderá se tornar – no final da cobrança, um valor superior a três vezes o contraído. Contudo, a forma de pagamento não é discutida.
E tampouco existe uma margem de comprometimento da renda mensal familiar. Na verdade os valores determinados nas parcelas são definidos pelo agiota.
Por fim, a cobrança pode ir além do valor. Os agiotas são conhecidos pela prática de crimes além dos fiscais ou financeiros. Dessa forma atentam a vida dos consumidores quando percebe a impossibilidade do recebimento da dívida.
Quais as garantias solicitadas quanto ao valor contraído com o agiota?
Nessa prática abusiva e criminosa os agentes de crédito costumam apresentar vantagens enormes para o contrair da oferta. Mas, além do valor que será pago em parcelas, o agiota poderá pedir um bem como garantia do cumprimento da dívida.
Sem comprovação por escrito – além de uma simples promessa de pagamento. O agiota impõe como garantia de pagamento objetos valiosos que superam o valor contraído como joias, automóveis, entre outros. Não para o saldo da dívida, mas como redução dos juros.
Assim, sabendo que o pagamento é superior ao valor. E da sua incapacidade de pagamento das parcelas o agiota irá exigir o bem como amortização dos juros. Além disso, com a promessa de diminuição da dívida o que não será verdade.
Por fim, poderá ficar com o seu bem e ainda continuar a gerar juros sobre o montante restante, que serão pagos nas parcelas futuras.
Quais as opções de empréstimo pessoal além de pegar dinheiro com agiota?
No sistema financeiro regular você poderá ter empréstimo pessoal com vantagens e benefícios dentro dos critérios da lei.
Para o seguimento de empréstimo por apresentação de objeto poderá optar pelo penhor. Ou seja, seu objeto irá ficar como garantia de empréstimo no banco ou financeira.
Ele será avaliado e o valor de crédito será liberado em acordo com essa avaliação. O objeto ficará em posse do banco ou instituição financeira até a quitação do empréstimo.
Uma outra opção é o empréstimo consignado. Para aposentados ou pensionista do INSS, militares ou servidores públicos.
Nessa modelo você poderá ter empréstimo junto a uma instituição financeira ou banco. E dessa forma, será descontado no seu salário, a margem máxima de 35% do valor mensal.
Por fim, nessa modelo não exigie garantias ou bens. Apenas a comprovação do vínculo ou salário e ainda terá acesso as taxas de juros e tarifas mais baixas. Já que essa modalidade apresenta um risco mínimo para a instituição ou banco.
Gostou do artigo? Compartilha com seus amigos, familiares e em suas redes sociais. Por fim, evite pegar dinheiro com agiotas, sempre opte por fazê-lo junto ao banco ou financeira autorizada pelo BC.
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