{"id":13965,"date":"2025-01-15T12:39:39","date_gmt":"2025-01-15T11:39:39","guid":{"rendered":"https:\/\/www.legalprod.com\/simulador-de-juros-de-mora\/"},"modified":"2025-06-03T15:01:11","modified_gmt":"2025-06-03T13:01:11","slug":"simulador-de-juros-de-mora","status":"publish","type":"post","link":"https:\/\/www.legalprod.com\/pt-pt\/simulador-de-juros-de-mora\/","title":{"rendered":"Simulador de juros de mora"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]    <\/p>\n<style><!-- [et_pb_line_break_holder] -->      h1 {<!-- [et_pb_line_break_holder] -->    padding-top: 15px !important;<!-- [et_pb_line_break_holder] -->        padding-bottom: 0px !important;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->        .calculator {<!-- [et_pb_line_break_holder] -->            background: white;<!-- [et_pb_line_break_holder] -->            padding: 2rem;<!-- [et_pb_line_break_holder] -->            border-radius: 10px;<!-- [et_pb_line_break_holder] -->            box-shadow: rgba(100, 100, 111, 0.2) 0px 7px 29px 0px;<!-- [et_pb_line_break_holder] -->            width: 100%;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        h1 {<!-- [et_pb_line_break_holder] -->            color: #2c3e50;<!-- [et_pb_line_break_holder] -->            text-align: center;<!-- 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{<!-- [et_pb_line_break_holder] -->            .calculator {<!-- [et_pb_line_break_holder] -->                padding: 1rem;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        .tabs {<!-- [et_pb_line_break_holder] -->            display: flex;<!-- [et_pb_line_break_holder] -->            margin-bottom: 1rem;<!-- [et_pb_line_break_holder] -->            border-bottom: 2px solid #ddd;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        .tab {<!-- [et_pb_line_break_holder] -->            padding: 0.5rem 1rem;<!-- [et_pb_line_break_holder] -->            cursor: pointer;<!-- [et_pb_line_break_holder] -->            border: none;<!-- [et_pb_line_break_holder] -->            background: none;<!-- [et_pb_line_break_holder] -->            font-size: 0.9rem;<!-- [et_pb_line_break_holder] -->            color: #666;<!-- [et_pb_line_break_holder] -->            transition: all 0.3s ease;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        .tab.active {<!-- [et_pb_line_break_holder] -->            color: #5233ff;<!-- [et_pb_line_break_holder] -->            border-bottom: 2px solid #5233ff;<!-- [et_pb_line_break_holder] -->            margin-bottom: -2px;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        .info-icon {<!-- [et_pb_line_break_holder] -->            display: inline-block;<!-- [et_pb_line_break_holder] -->            width: 16px;<!-- [et_pb_line_break_holder] -->            height: 16px;<!-- [et_pb_line_break_holder] -->            background: #3498db;<!-- [et_pb_line_break_holder] -->            color: white;<!-- [et_pb_line_break_holder] -->            text-align: center;<!-- [et_pb_line_break_holder] -->            border-radius: 50%;<!-- [et_pb_line_break_holder] -->            font-size: 12px;<!-- [et_pb_line_break_holder] -->            line-height: 16px;<!-- [et_pb_line_break_holder] -->            margin-left: 5px;<!-- [et_pb_line_break_holder] -->            cursor: help;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->    <\/style>\n<p><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"calculator\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<h1>Calculadora de juros de mora<\/h1>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"tabs\"><!-- [et_pb_line_break_holder] -->            <button class=\"tab active\" onclick=\"switchTab('legal')\">Taxa legal simples<\/button><!-- [et_pb_line_break_holder] -->            <button class=\"tab\" onclick=\"switchTab('majore')\">Taxa legal mais elevada<\/button><!-- [et_pb_line_break_holder] -->            <button class=\"tab\" onclick=\"switchTab('contractuel')\">Taxa contratual<\/button><!-- [et_pb_line_break_holder] -->            <button class=\"tab\" onclick=\"switchTab('justice')\">Decis\u00e3o do Tribunal<\/button><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"info-box\" id=\"infoBox\"><!-- [et_pb_line_break_holder] -->  Os juros s\u00e3o calculados \u00e0 taxa legal em Fran\u00e7a.<!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"input-group\"><!-- [et_pb_line_break_holder] -->            <label for=\"principal\">Montante do capital (\u20ac)<\/label><!-- [et_pb_line_break_holder] -->            <input type=\"number\" id=\"principal\" min=\"0\" step=\"0.01\" required=\"\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"error\" id=\"principal-error\">Introduz um montante v\u00e1lido<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"input-group\" id=\"contractualRateGroup\"><!-- [et_pb_line_break_holder] -->            <label for=\"contractualRate\">Taxa de juro contratual (%)<\/label><!-- [et_pb_line_break_holder] -->            <input type=\"number\" id=\"contractualRate\" min=\"0\" step=\"0.01\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"error\" id=\"contractualRate-error\">Introduz uma tarifa v\u00e1lida<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"input-group\" id=\"multiplicateurGroup\"><!-- [et_pb_line_break_holder] -->            <label for=\"multiplicateur\">Coeficiente multiplicador<\/label><!-- [et_pb_line_break_holder] -->            <input type=\"number\" id=\"multiplicateur\" min=\"1\" step=\"1\" value=\"3\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"error\" id=\"multiplicateur-error\">Introduz um coeficiente v\u00e1lido<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"input-group\"><!-- [et_pb_line_break_holder] -->            <label for=\"startDate\">Data de in\u00edcio<\/label><!-- [et_pb_line_break_holder] -->            <input type=\"date\" id=\"startDate\" required=\"\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"error\" id=\"startDate-error\">Seleciona uma data de in\u00edcio<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"input-group\"><!-- [et_pb_line_break_holder] -->            <label for=\"endDate\">Data final<\/label><!-- [et_pb_line_break_holder] -->            <input type=\"date\" id=\"endDate\" required=\"\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"error\" id=\"endDate-error\">Seleciona uma data de fim<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <button onclick=\"calculateInterest()\">Calcula<\/button><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"result\" id=\"result\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"result-row\"><!-- [et_pb_line_break_holder] -->                <span>Montante do capital :<\/span><!-- [et_pb_line_break_holder] -->                <span id=\"result-principal\"><\/span><!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"result-row\"><!-- [et_pb_line_break_holder] -->                <span>Per\u00edodo :<\/span><!-- [et_pb_line_break_holder] -->                <span id=\"result-period\"><\/span><!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"result-row\"><!-- [et_pb_line_break_holder] -->                <span>Taxa de juro aplicada :<\/span><!-- [et_pb_line_break_holder] -->                <span id=\"result-rate\"><\/span><!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"result-row\"><!-- [et_pb_line_break_holder] -->                <span>Montante dos juros :<\/span><!-- [et_pb_line_break_holder] -->                <span id=\"result-interest\"><\/span><!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"result-row\"><!-- [et_pb_line_break_holder] -->                <span>Montante total :<\/span><!-- [et_pb_line_break_holder] -->                <span id=\"result-total\"><\/span><!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <script><!-- [et_pb_line_break_holder] -->        \/\/ Configuration des taux l\u00e9gaux (\u00e0 mettre \u00e0 jour selon les taux en vigueur)<!-- [et_pb_line_break_holder] -->        const TAUX_LEGAL = {<!-- [et_pb_line_break_holder] -->            particuliers: 4.65, \/\/ Taux pour les particuliers<!-- [et_pb_line_break_holder] -->            professionnels: 2.65  \/\/ Taux pour les professionnels<!-- [et_pb_line_break_holder] -->        };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        let currentTab = 'legal';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        \/\/ D\u00e9finir la date du jour comme valeur par d\u00e9faut pour la date de fin<!-- [et_pb_line_break_holder] -->        document.getElementById('endDate').valueAsDate = new Date();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        function updateInfoBox(tab) {<!-- [et_pb_line_break_holder] -->            const infoBox = document.getElementById('infoBox');<!-- [et_pb_line_break_holder] -->            switch(tab) {<!-- [et_pb_line_break_holder] -->                case 'legal':<!-- [et_pb_line_break_holder] -->                    infoBox.textContent = \"Les int\u00e9r\u00eats sont calcul\u00e9s suivant le taux l\u00e9gal fix\u00e9 en France.\";<!-- [et_pb_line_break_holder] -->                    break;<!-- [et_pb_line_break_holder] -->                case 'majore':<!-- [et_pb_line_break_holder] -->                    infoBox.textContent = \"Les int\u00e9r\u00eats sont calcul\u00e9s suivant le taux l\u00e9gal auquel il est appliqu\u00e9 un coefficient multiplicateur.\";<!-- [et_pb_line_break_holder] -->                    break;<!-- [et_pb_line_break_holder] -->                case 'contractuel':<!-- [et_pb_line_break_holder] -->                    infoBox.textContent = \"Les int\u00e9r\u00eats sont calcul\u00e9s suivant un taux d'int\u00e9r\u00eat contractuel d\u00e9fini.\";<!-- [et_pb_line_break_holder] -->                    break;<!-- [et_pb_line_break_holder] -->                case 'justice':<!-- [et_pb_line_break_holder] -->                    infoBox.textContent = \"Les int\u00e9r\u00eats sont calcul\u00e9s suivant l'article L 313-3 du Code mon\u00e9taire et financier. Le taux est major\u00e9 de 5 points apr\u00e8s 2 mois.\";<!-- [et_pb_line_break_holder] -->                    break;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        function switchTab(tab) {<!-- [et_pb_line_break_holder] -->            currentTab = tab;<!-- [et_pb_line_break_holder] -->            \/\/ Mettre \u00e0 jour les classes des onglets<!-- [et_pb_line_break_holder] -->            document.querySelectorAll('.tab').forEach(t => t.classList.remove('active'));<!-- [et_pb_line_break_holder] -->            event.target.classList.add('active');<!-- [et_pb_line_break_holder] -->            <!-- [et_pb_line_break_holder] -->            \/\/ Mettre \u00e0 jour l'affichage des champs<!-- [et_pb_line_break_holder] -->            const contractualRateGroup = document.getElementById('contractualRateGroup');<!-- [et_pb_line_break_holder] -->            const multiplicateurGroup = document.getElementById('multiplicateurGroup');<!-- [et_pb_line_break_holder] -->            <!-- [et_pb_line_break_holder] -->            contractualRateGroup.style.display = tab === 'contractuel' ? 'block' : 'none';<!-- [et_pb_line_break_holder] -->            multiplicateurGroup.style.display = tab === 'majore' ? 'block' : 'none';<!-- [et_pb_line_break_holder] -->            <!-- [et_pb_line_break_holder] -->            updateInfoBox(tab);<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        function calculateInterest() {<!-- [et_pb_line_break_holder] -->            \/\/ R\u00e9cup\u00e9ration des valeurs<!-- [et_pb_line_break_holder] -->            const principal = parseFloat(document.getElementById('principal').value);<!-- [et_pb_line_break_holder] -->            const startDate = new Date(document.getElementById('startDate').value);<!-- [et_pb_line_break_holder] -->            const endDate = new Date(document.getElementById('endDate').value);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            \/\/ R\u00e9initialiser les erreurs<!-- [et_pb_line_break_holder] -->            document.querySelectorAll('.error').forEach(error => error.style.display = 'none');<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            \/\/ Validation<!-- [et_pb_line_break_holder] -->            if (!validateInputs(principal, startDate, endDate)) return;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            \/\/ Calcul du nombre de jours<!-- [et_pb_line_break_holder] -->            const daysDiff = calculateDaysDifference(startDate, endDate);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            \/\/ Calcul du taux selon le type<!-- [et_pb_line_break_holder] -->            let rate = 0;<!-- [et_pb_line_break_holder] -->            let explanation = '';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            switch(currentTab) {<!-- [et_pb_line_break_holder] -->                case 'legal':<!-- [et_pb_line_break_holder] -->                    rate = TAUX_LEGAL.particuliers;<!-- [et_pb_line_break_holder] -->                    explanation = `Taux l\u00e9gal (${rate}%)`;<!-- [et_pb_line_break_holder] -->                    break;<!-- [et_pb_line_break_holder] -->                    <!-- [et_pb_line_break_holder] -->                case 'majore':<!-- [et_pb_line_break_holder] -->                    const multiplicateur = parseFloat(document.getElementById('multiplicateur').value);<!-- [et_pb_line_break_holder] -->                    rate = TAUX_LEGAL.particuliers * multiplicateur;<!-- [et_pb_line_break_holder] -->                    explanation = `Taux l\u00e9gal major\u00e9 (${TAUX_LEGAL.particuliers}% \u00d7 ${multiplicateur})`;<!-- [et_pb_line_break_holder] -->                    break;<!-- [et_pb_line_break_holder] -->                    <!-- [et_pb_line_break_holder] -->                case 'contractuel':<!-- [et_pb_line_break_holder] -->                    rate = parseFloat(document.getElementById('contractualRate').value);<!-- [et_pb_line_break_holder] -->                    explanation = `Taux contractuel (${rate}%)`;<!-- [et_pb_line_break_holder] -->                    break;<!-- [et_pb_line_break_holder] -->                    <!-- [et_pb_line_break_holder] -->                case 'justice':<!-- [et_pb_line_break_holder] -->                    \/\/ Calcul sp\u00e9cial pour les d\u00e9cisions de justice<!-- [et_pb_line_break_holder] -->                    const twoMonthsLater = new Date(startDate.getTime() + (60 * 24 * 60 * 60 * 1000));<!-- [et_pb_line_break_holder] -->                    let interestBeforeMajoration = 0;<!-- [et_pb_line_break_holder] -->                    let interestAfterMajoration = 0;<!-- [et_pb_line_break_holder] -->                    <!-- [et_pb_line_break_holder] -->                    if (endDate > twoMonthsLater) {<!-- [et_pb_line_break_holder] -->                        \/\/ P\u00e9riode avant majoration<!-- [et_pb_line_break_holder] -->                        const daysBeforeMajoration = calculateDaysDifference(startDate, twoMonthsLater);<!-- [et_pb_line_break_holder] -->                        interestBeforeMajoration = (principal * TAUX_LEGAL.particuliers * daysBeforeMajoration) \/ (100 * 365);<!-- [et_pb_line_break_holder] -->                        <!-- [et_pb_line_break_holder] -->                        \/\/ P\u00e9riode apr\u00e8s majoration<!-- [et_pb_line_break_holder] -->                        const daysAfterMajoration = calculateDaysDifference(twoMonthsLater, endDate);<!-- [et_pb_line_break_holder] -->                        const majoredRate = TAUX_LEGAL.particuliers + 5;<!-- [et_pb_line_break_holder] -->                        interestAfterMajoration = (principal * majoredRate * daysAfterMajoration) \/ (100 * 365);<!-- [et_pb_line_break_holder] -->                        <!-- [et_pb_line_break_holder] -->                        const interest = interestBeforeMajoration + interestAfterMajoration;<!-- [et_pb_line_break_holder] -->                        displayResults(principal, daysDiff, `${TAUX_LEGAL.particuliers}% puis ${majoredRate}%`, interest);<!-- [et_pb_line_break_holder] -->                        return;<!-- [et_pb_line_break_holder] -->                    } else {<!-- [et_pb_line_break_holder] -->                        rate = TAUX_LEGAL.particuliers;<!-- [et_pb_line_break_holder] -->                        explanation = `Taux l\u00e9gal (${rate}%)`;<!-- [et_pb_line_break_holder] -->                    }<!-- [et_pb_line_break_holder] -->                    break;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            \/\/ Calcul des int\u00e9r\u00eats<!-- [et_pb_line_break_holder] -->            const interest = (principal * rate * daysDiff) \/ (100 * 365);<!-- [et_pb_line_break_holder] -->            displayResults(principal, daysDiff, explanation, interest);<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        function validateInputs(principal, startDate, endDate) {<!-- [et_pb_line_break_holder] -->            let hasError = false;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            if (isNaN(principal) || principal <= 0) {<!-- [et_pb_line_break_holder] -->                document.getElementById('principal-error').style.display = 'block';<!-- [et_pb_line_break_holder] -->                hasError = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            if (isNaN(startDate.getTime())) {<!-- [et_pb_line_break_holder] -->                document.getElementById('startDate-error').style.display = 'block';<!-- [et_pb_line_break_holder] -->                hasError = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            if (isNaN(endDate.getTime())) {<!-- [et_pb_line_break_holder] -->                document.getElementById('endDate-error').style.display = 'block';<!-- [et_pb_line_break_holder] -->                hasError = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            if (endDate <startDate) {<!-- [et_pb_line_break_holder] -->                document.getElementById('endDate-error').textContent = 'La date de fin doit \u00eatre post\u00e9rieure \u00e0 la date de d\u00e9but';<!-- [et_pb_line_break_holder] -->                document.getElementById('endDate-error').style.display = 'block';<!-- [et_pb_line_break_holder] -->                hasError = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            if (currentTab === 'contractuel') {<!-- [et_pb_line_break_holder] -->                const contractualRate = parseFloat(document.getElementById('contractualRate').value);<!-- [et_pb_line_break_holder] -->                if (isNaN(contractualRate) || contractualRate <= 0) {<!-- [et_pb_line_break_holder] -->                    document.getElementById('contractualRate-error').style.display = 'block';<!-- [et_pb_line_break_holder] -->                    hasError = true;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            return !hasError;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        function calculateDaysDifference(startDate, endDate) {<!-- [et_pb_line_break_holder] -->            const timeDiff = endDate.getTime() - startDate.getTime();<!-- [et_pb_line_break_holder] -->            return Math.ceil(timeDiff \/ (1000 * 3600 * 24));<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        function displayResults(principal, days, rateExplanation, interest) {<!-- [et_pb_line_break_holder] -->            const total = principal + interest;<!-- [et_pb_line_break_holder] -->            <!-- [et_pb_line_break_holder] -->            document.getElementById('result').classList.add('visible');<!-- [et_pb_line_break_holder] -->            document.getElementById('result-principal').textContent = principal.toLocaleString('fr-FR', {<!-- [et_pb_line_break_holder] -->                style: 'currency',<!-- [et_pb_line_break_holder] -->                currency: 'EUR'<!-- [et_pb_line_break_holder] -->            });<!-- [et_pb_line_break_holder] -->            document.getElementById('result-period').textContent = `${days} jours`;<!-- [et_pb_line_break_holder] -->            document.getElementById('result-rate').textContent = rateExplanation;<!-- [et_pb_line_break_holder] -->            document.getElementById('result-interest').textContent = interest.toLocaleString('fr-FR', {<!-- [et_pb_line_break_holder] -->                style: 'currency',<!-- [et_pb_line_break_holder] -->                currency: 'EUR'<!-- [et_pb_line_break_holder] -->            });<!-- [et_pb_line_break_holder] -->            document.getElementById('result-total').textContent = total.toLocaleString('fr-FR', {<!-- [et_pb_line_break_holder] -->                style: 'currency',<!-- [et_pb_line_break_holder] -->                currency: 'EUR'<!-- [et_pb_line_break_holder] -->            });<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        \/\/ Initialiser l'affichage au chargement<!-- [et_pb_line_break_holder] -->        document.addEventListener('DOMContentLoaded', function() {<!-- [et_pb_line_break_holder] -->            \/\/ Cacher les groupes non n\u00e9cessaires initialement<!-- [et_pb_line_break_holder] -->            document.getElementById('contractualRateGroup').style.display = 'none';<!-- [et_pb_line_break_holder] -->            document.getElementById('multiplicateurGroup').style.display = 'none';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->            \/\/ Mettre \u00e0 jour l'infoBox<!-- [et_pb_line_break_holder] -->            updateInfoBox('legal');<!-- [et_pb_line_break_holder] -->        });<!-- [et_pb_line_break_holder] -->    <\/script>[\/et_pb_code][et_pb_text _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>&nbsp;<\/p>\n<p>Os juros de mora s\u00e3o um mecanismo essencial do nosso sistema jur\u00eddico e financeiro. Serve para compensar o credor pelo preju\u00edzo sofrido quando o devedor se atrasa no pagamento da sua d\u00edvida. Vejamos os principais aspectos deste mecanismo.  <\/p>\n<h2>Quando \u00e9 que os posso pedir?<\/h2>\n<p>Os juros de mora podem ser reclamados numa s\u00e9rie de situa\u00e7\u00f5es. O caso mais comum \u00e9 o atraso no pagamento de uma conta, mas tamb\u00e9m se aplicam a d\u00edvidas contratuais, decis\u00f5es judiciais, empr\u00e9stimos banc\u00e1rios e rendas n\u00e3o pagas. No caso dos condom\u00ednios, s\u00e3o frequentemente aplicados a taxas de servi\u00e7o n\u00e3o pagas.  <\/p>\n<p>&nbsp;<\/p>\n<h2>Tipos de juros de mora<\/h2>\n<p>&nbsp;<\/p>\n<h3>1. Juros \u00e0 taxa legal<\/h3>\n<p>A taxa legal \u00e9 a op\u00e7\u00e3o por defeito na aus\u00eancia de uma conven\u00e7\u00e3o espec\u00edfica. \u00c9 fixada semestralmente pelo Banco de Fran\u00e7a, com uma distin\u00e7\u00e3o significativa entre particulares e profissionais. Esta taxa \u00e9 utilizada como refer\u00eancia para muitas transac\u00e7\u00f5es.  <\/p>\n<h3>2. Juros \u00e0 taxa legal acrescida de<\/h3>\n<p>Em certas situa\u00e7\u00f5es, nomeadamente comerciais, a taxa legal pode ser acrescida de um multiplicador. Por exemplo, um contrato pode estipular que os juros ser\u00e3o calculados ao triplo da taxa legal, aumentando assim a press\u00e3o sobre o devedor. <\/p>\n<h3 class=\"text-lg font-bold text-text-200 mt-1 -mb-1.5\">3. Juros \u00e0 taxa contratual<\/h3>\n<p>As partes podem acordar uma taxa espec\u00edfica no seu contrato. Esta taxa deve ser claramente indicada e n\u00e3o pode exceder a taxa de usura legal. Para ser v\u00e1lida, deve ser acordada por escrito.  <\/p>\n<h3>4. Vantagens de uma decis\u00e3o judicial<\/h3>\n<p>Quando \u00e9 proferida uma decis\u00e3o judicial, os juros est\u00e3o sujeitos a regras especiais. Se o devedor n\u00e3o pagar no prazo de dois meses ap\u00f3s a decis\u00e3o execut\u00f3ria, a taxa \u00e9 automaticamente aumentada em 5 pontos. <\/p>\n<p>&nbsp;<\/p>\n<h2>Como \u00e9 que os reclamo?<\/h2>\n<p>Existem duas formas principais de reclamar juros:<\/p>\n<p>Para uma resolu\u00e7\u00e3o amig\u00e1vel, \u00e9 aconselh\u00e1vel enviar uma notifica\u00e7\u00e3o formal por correio registado. Podes tamb\u00e9m incluir uma cl\u00e1usula nos teus contratos ou mencionar os juros nas tuas facturas. <\/p>\n<p>Em tribunal, deves incluir o teu pedido de juros no requerimento de cita\u00e7\u00e3o, especificando a taxa que pretendes. O juiz poder\u00e1 ent\u00e3o decidir sobre o teu pedido. <\/p>\n<p>&nbsp;<\/p>\n<h2>C\u00e1lculo de juros<\/h2>\n<p>Os juros s\u00e3o calculados de acordo com uma f\u00f3rmula matem\u00e1tica precisa:<\/p>\n<p>Juros = (Capital \u00d7 Taxa \u00d7 N\u00famero de dias) \/ (100 \u00d7 365)<\/p>\n<p>\u00c9 importante notar que este c\u00e1lculo \u00e9 efectuado dia a dia at\u00e9 ao pagamento integral da d\u00edvida. Em alguns casos, os juros podem mesmo gerar juros (anatocismo) ap\u00f3s um ano. <\/p>\n<p>&nbsp;<\/p>\n<h2>Prote\u00e7\u00e3o e limites<\/h2>\n<p>O sistema inclui v\u00e1rias garantias. A taxa de usura n\u00e3o pode ser ultrapassada e o devedor deve ser claramente informado. Em alguns casos, o juiz pode conceder um pagamento diferido. Em geral, \u00e9 necess\u00e1ria uma notifica\u00e7\u00e3o formal de incumprimento para que os juros comecem a acumular-se.   <\/p>\n<p>&nbsp;<\/p>\n<h2>Conselhos pr\u00e1ticos<\/h2>\n<p>Se fores um credor, lembra-te de :<\/p>\n<ul class=\"[&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc space-y-1.5 pl-7\">\n<li class=\"whitespace-normal break-words\">Inclui uma cl\u00e1usula de juros nos teus contratos<\/li>\n<li class=\"whitespace-normal break-words\">Mant\u00e9m um registo escrito de todos os teus lembretes<\/li>\n<li class=\"whitespace-normal break-words\">Envio de an\u00fancios formais<\/li>\n<li class=\"whitespace-normal break-words\">Guarda todos os documentos num local seguro<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p class=\"whitespace-pre-wrap break-words\">Se deves dinheiro, podes :<\/p>\n<ul class=\"[&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc space-y-1.5 pl-7\">\n<li class=\"whitespace-normal break-words\">Prop\u00f5e um calend\u00e1rio de pagamentos<\/li>\n<li class=\"whitespace-normal break-words\">Pedir um adiamento<\/li>\n<li class=\"whitespace-normal break-words\">Verifica se a taxa aplicada \u00e9 legal<\/li>\n<li class=\"whitespace-normal break-words\">Contesta os c\u00e1lculos, se necess\u00e1rio<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 class=\"text-xl font-bold text-text-200 mt-1 -mb-0.5\">Pontos a ter em conta<\/h2>\n<p>Presta especial aten\u00e7\u00e3o \u00e0 data de in\u00edcio dos juros, \u00e0 justifica\u00e7\u00e3o da taxa aplicada e ao cumprimento das formalidades legais. A prova da notifica\u00e7\u00e3o formal \u00e9 essencial, assim como a exatid\u00e3o dos c\u00e1lculos. <\/p>\n<p>Em mat\u00e9ria comercial, as regras s\u00e3o mais rigorosas, com san\u00e7\u00f5es autom\u00e1ticas e uma multa fixa de 40 euros para as despesas de cobran\u00e7a. Os particulares, em contrapartida, beneficiam de uma prote\u00e7\u00e3o refor\u00e7ada com taxas mais controladas. <\/p>\n<p>Pode parecer complexo, mas \u00e9 essencial proteger os direitos dos credores e, ao mesmo tempo, garantir que os devedores sejam tratados de forma justa. Em situa\u00e7\u00f5es complexas, n\u00e3o hesites em consultar um profissional da justi\u00e7a, que te poder\u00e1 orientar com base nas tuas circunst\u00e2ncias particulares. <\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Os juros de mora s\u00e3o um mecanismo essencial do nosso sistema jur\u00eddico e financeiro. Serve para compensar o credor pelo preju\u00edzo sofrido quando o devedor se atrasa no pagamento da sua d\u00edvida. Vejamos os principais aspectos deste mecanismo. Quando \u00e9 que os posso pedir? Os juros de mora podem ser reclamados numa s\u00e9rie de [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[440],"tags":[],"class_list":["post-13965","post","type-post","status-publish","format-standard","hentry","category-simuladores"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Simulador de juros de mora - LEGALPROD<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legalprod.com\/pt-pt\/simulador-de-juros-de-mora\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Simulador de juros de mora - LEGALPROD\" \/>\n<meta property=\"og:description\" content=\"&nbsp; Os juros de mora s\u00e3o um mecanismo essencial do nosso sistema jur\u00eddico e financeiro. 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