Analisador de Contrato de Empréstimo
PRORevê e avalia acordos de empréstimo pessoal ou empresarial quanto a justiça, identifica cláusulas desfavoráveis, calcula custos reais de empréstimo e deteta red flags de lending predatório.
Exemplo de Uso
Recebi uma proposta de empréstimo. Analisa os termos pra mim.
Prompt do Skill
Este skill funciona melhor quando copiado do findskill.ai — inclui variáveis e formatação que podem não ser transferidas corretamente de outros lugares.
Como Usar Este Skill
1
Copiar o skill usando o botão acima
2
Colar no seu assistente de IA (Claude, ChatGPT, etc.)
3
Preencha suas informações abaixo (opcional) e copie para incluir com seu prompt
4
Envie e comece a conversar com sua IA
Personalização Sugerida
| Descrição | Padrão | Seu Valor |
|---|---|---|
| Type of lender (bank, credit union, p2p, fintech, private) | bank | |
| Loan type (personal, mortgage, business, auto, student) | personal | |
| Red flag sensitivity (lenient, moderate, strict) | moderate | |
| Maximum acceptable debt-to-income ratio | 0.43 | |
| Baseline for term comparison (market_median, market_best) | market_median | |
| User's risk tolerance (low, medium, high) | medium |
Fontes de Pesquisa
Este skill foi criado usando pesquisa destas fontes confiáveis:
- AI Loan Contract Processing & Data Extraction Software Commercial AI tool for extracting borrower details, loan terms, interest rates, and collateral from loan documents
- How to Review Loan, Borrowing, and Debt Agreements Comprehensive checklist for reviewing loan agreements, identifying hidden fees, and negotiation opportunities
- Evaluating Loan Terms & Interest Rates Guide covering APR analysis, loan-to-value ratios, and comparing interest rates across lenders
- Mastering the Art of Reviewing Credit Agreements Advanced framework for credit analysts on identifying red flags in loan structures
- Loan Agreements - Key Terms (Legal Reference) Professional legal guide explaining essential loan terminology and contractual elements
- ContractNLI: Document-Level NLI for Contracts Stanford NLP framework for automated contract understanding using natural language inference
- Negative-Pledge Clauses: Loan-Agreement Red Flags Analysis of covenant clauses, breach consequences, and negotiation strategies
- Document Reader for Credit Agreements AI model specialization for extracting structured finance information from credit agreements