diff --git a/manager/components/Finance.tsx b/manager/components/Finance.tsx
index d72b32d..3d77b40 100644
--- a/manager/components/Finance.tsx
+++ b/manager/components/Finance.tsx
@@ -1197,8 +1197,15 @@ const Finance: React.FC<FinanceProps> = ({ data, updateData }) => {
                                   if (tt > dd) {
                                     const baseA = payment.amount - discount;
                                     const dDays = Math.ceil((tt.getTime() - dd.getTime()) / 86400000);
-                                    const fineAmt = baseA * ((Number(payment.lateFee) || 2) / 100);
-                                    const intAmt = baseA * (((Number(payment.interest) || 1) / 30) / 100) * dDays;
+                                    
+                                    const student = data.students.find(s => s.id === payment.studentId);
+                                    const studentClass = data.classes.find(c => c.id === student?.classId);
+                                    const course = data.courses.find(c => c.id === studentClass?.courseId);
+                                    const pLateFee = Number(payment.lateFee) || Number(course?.finePercentage) || 2;
+                                    const pInterest = Number(payment.interest) || Number(course?.interestPercentage) || 1;
+
+                                    const fineAmt = baseA * (pLateFee / 100);
+                                    const intAmt = baseA * ((pInterest / 30) / 100) * dDays;
                                     additions = fineAmt + intAmt;
                                   }
                                 }
@@ -1314,8 +1321,15 @@ const Finance: React.FC<FinanceProps> = ({ data, updateData }) => {
                             if (tt > dd) {
                               const baseA = payment.amount - discount;
                               const dDays = Math.ceil((tt.getTime() - dd.getTime()) / 86400000);
-                              const fineAmt = baseA * ((Number(payment.lateFee) || 2) / 100);
-                              const intAmt = baseA * (((Number(payment.interest) || 1) / 30) / 100) * dDays;
+
+                              const student = data.students.find(s => s.id === payment.studentId);
+                              const studentClass = data.classes.find(c => c.id === student?.classId);
+                              const course = data.courses.find(c => c.id === studentClass?.courseId);
+                              const pLateFee = Number(payment.lateFee) || Number(course?.finePercentage) || 2;
+                              const pInterest = Number(payment.interest) || Number(course?.interestPercentage) || 1;
+
+                              const fineAmt = baseA * (pLateFee / 100);
+                              const intAmt = baseA * ((pInterest / 30) / 100) * dDays;
                               additions = fineAmt + intAmt;
                             }
                           }
diff --git a/portal/server.selfhosted.js b/portal/server.selfhosted.js
index 4049876..5e7ff3e 100644
--- a/portal/server.selfhosted.js
+++ b/portal/server.selfhosted.js
@@ -317,6 +317,25 @@ app.get('/api/portal/financeiro', authMiddleware, async (req, res) => {
       return res.status(500).json({ error: 'Erro no SQL: ' + dbErr.message, studentId: req.user.studentId });
     }
 
+    // Buscar configurações de juros do curso do aluno
+    let defaultLateFee = 2;
+    let defaultInterest = 1;
+    try {
+      const { rows: studentRows } = await pool.query('SELECT turma_id FROM alunos WHERE id = $1', [req.user.studentId]);
+      if (studentRows.length > 0 && studentRows[0].turma_id) {
+         const { rows: tRows } = await pool.query('SELECT curso_id FROM turmas WHERE id = $1', [studentRows[0].turma_id]);
+         if (tRows.length > 0 && tRows[0].curso_id) {
+            const { rows: cRows } = await pool.query('SELECT multa_percentual, juros_percentual FROM cursos WHERE id = $1', [tRows[0].curso_id]);
+            if (cRows.length > 0) {
+               defaultLateFee = Number(cRows[0].multa_percentual) || 2;
+               defaultInterest = Number(cRows[0].juros_percentual) || 1;
+            }
+         }
+      }
+    } catch (courseErr) {
+      console.error('Financeiro: erro ao buscar curso -', courseErr.message);
+    }
+
     // 2. CONSTRUIR LISTA FINAL: Apenas registros do SQL (fonte única da verdade)
     const finalPayments = [];
  
@@ -370,6 +389,8 @@ app.get('/api/portal/financeiro', authMiddleware, async (req, res) => {
         totalInstallments,
         link_boleto: db.link_boleto || null,
         transactionReceiptUrl: db.transaction_receipt_url || null,
+        lateFee: defaultLateFee,
+        interest: defaultInterest,
       });
     }