In Brazil the variety of types of personal credit is immense, and every day more and more modalities are emerging and facing the banks and financiers that for a long time centralized the credit in their hands. In the telecommunication media, newspapers and Sunday programs, credit institutions such as Crefisa for negatives, Banco do Brasil, Caixa Economico, Itaú Unibanco, Bradesco and Santander infest our screens and newscasts every day with advertising offering personal credit, payroll, .
Credit is the most wonderful way that the Brazilian uses to spend, buy and pay. Cash payment? This is practically out of the question, really not the best habit of the population, the national craze and even finance, buy term, make carnage, pay billet and put all expenses on the credit card, on the credit limit of the overdraft and now less, but back in time the pre-dated check loan was the latest fad.
We are living a totally consumerist scenario, where we can less buy more, the important thing is to have. At this time, despite the crisis in the whole country, there was still a growth of “the less favored classes, and in many segments the increase in income was real, banks never profited so much.
While Brazil does not improve its legs, and does not have that economic growth that will make the population out of the quagmire, the government creates mechanism and more mechanisms to keep money in the citizen’s pocket, as in the case of the family loan loan and the microcredit family Program Progress Plan that aims to “help lending money to the people” – will it? Or is it another way of making the citizen more indebted?
The normal thing is to spend more than ever, and with that the bills begin to tighten and the difficulties with money arise, thereafter or it is default or it goes without buying the articles of subsistences more basic of the day to day. The ideal is for everyone to be financially educated and to know what they are doing with their own money, and with the money of others that is when we borrow. What good would it be if we pengassemos emergency loans and not to pay debts.
Anyway, in situations of need the only way for many is to take personal credit and other modality existing in banks and financials, and if that is your case, we list four (4) ways to get more borrowed money in institutions and websites and online lending companies.
Those who have a bank account and reasonable handling generally have access to the pre-approved institution, this type of loan is easy, fast and without bureaucracy, it is already approved, so just go to any ATM and take it out. With just a few clicks on the mouse you can also apply for pre-approved credit over the internet.
Having pre-approved credit can be a good option for when there are momentary emergencies or difficulties of money. With the special check is like that, needed uses, has up to 10 day to pay, if pay in the term does not pay interest, if not pay, interest are charged from the 10 days and the other until you balance the bank. Interest rates not very high for those who have a good customer profile, since the risk that the bank runs is less for customer payers, especially the account demonstrates a steady move.
It is worth mentioning that quickness and ease available for immediate use are very expensive, applied interest rates start at 5.9% and go up to 15% a month depending on the banks and the client. If you take this money and use it wrongly, it is most likely to get stuck at the limit for long months.
Hardly a person who works and has bank account and regular CPF has not taken a personal loan from a bank or a financial institution. In personal loans, interest rates are variable, some institutions are smaller and others very high, in the banking system, they are around 4.5% per month and in financial institutions that make the famous loan without consulting the SPC and Serasa, the rate of interest at around 15% per month.
Hiring some type of credit that has an interest rate between 5%, 10% is not low, of course not, but if compared to credit card or loan with loan sharks, they are reasonable. To apply for a personal loan today is the easiest thing in the world, with an internet access, a mobile phone, applying for a loan at sue home backing or at online loan sites has no secret. In five minutes everything can be solved.
This paycheck-deductible loan is the brazilian whooping cough, the modality is widely offered to retirees, INSS pensioners and public employees, both with cash loans and with paycheck card loans. It is a great alternative, the person who realizes the loan has the value of the installments directly discounted in the benefit, in the payslip or salary, for salaried employees the discount is in the payslip.
Interest on payroll is lower than most types of credit offered by banks, starting from 0.98% to 2.08% and 2.31% for the consigned card.
There is financing for everything from plastic surgery to the purchase of luxury yachts, the most sought after and easily accessible are:
- Financing with property guarantee
- Vehicle Warranty Financing
The lender conceived in the financing of property and vehicle has lower interest rates than the other modalities. To grant the credit, the bank or financial alienates the guaranteed asset that returns to the borrower when all the installments have been paid off. The bad thing about secured financing is that if the client fails to pay the installments for a period described in the contract, he can lose the good quickly.
More types of credit online
Well, let’s stick around, hopefully the article may have been relevant to you, if you want to know more about loan go to the online personal loan guide page. Want to know more about interest rates and about the best loan companies in Brazil visit here.