Oh my God, I think I’m going to have to make a loan at the bank! The end of the month arrives, opens the drawer, several bills to pay, credit card bills with extended weekend expenses, water bills, light and telephone, car financing ticket, children’s school fee, xi, this week has a fantasy party, now what? More of this story: kqylpt.com
The other day I was home I received a letter from a financial institution, saying – Calm down! your problems are over, get up to R $ 15,000 thousand with great interest and payment facilities – I almost believed. But the most certain thing that can happen in our life, is to make money working and pay expense accounts. If the person is controlled it will be a success, if not, everything that dreams is close but will bring problems in the budget and a lot of headache. No need to get desperate, you can get out of the financial grip by asking for a personal loan, that’s a loan that fits in your pocket.
I have the impression that you do not have money to pay day-to-day expenses, it seems that we are always in need of money, especially those who have limited income and do not make adequate financial control. The worst, it is this frivolous (futilities, fickle, without notion, without judgment) that is attacking the people, each one in this land wants to be better than the other in the demonstration of status, the other day I found a friend who bought a bag in 10 x of R $ 365.00 to hang on the shoulder, I have a friend who to talk on the phone and stay pressed on the screen of the cell phone, paid 12x of R $ 163.00 plus a little plane with the operator, legal.
What is the loan?
The “loan for all”, the money comes out now, and you only pay later, if you have the name cleaned or consigned on the sheet.
Let’s make one thing clear! The loan, is a credit solution that serves to remedy emergency situations, period. Legally speaking, it is the contract or transaction made between a debtor and a lender (bank, financial, credit union etc.) that lends a certain amount in money with the addition of interest. Once the commitment has been reached, the debtor will have a deadline for payment, beginning and the deadline that can be chosen by him, until the end of the contract, the debtor reimburses the amount granted by the creditor plus an interest rate agreed beforehand.
Loan for all
The loan is for everyone, but not everyone can pick up, to get a loan the applicant has to go through or has already undergone a series of reviews by financial and banking institutions. In Brazil, we can say that there are three basic ways to get money with banks, how different lines of credit are and for different types of borrowers, interest rates, payment terms, conditions and advantages change a lot. If you are in need of a loan to cure more expensive debts or pay bills due or to expire, the most interesting thing is to check with your manager what is the best solution for you, not the bank.
Here are the types of loans commonly offered by banks and financial institutions in the country:
This form of credit is exclusive for bank account holders or clients who receive their salary, counter-check or INSS benefit, as is the case of retirees or pensioners, who have a pre-approved limit, the option is available in the account to be used at any time. The loan is automatic and can be done online, at the bank’s ATM, at the bank branch and by telephone. The installments are adjusted according to the limit and are automatically charged to the applicant’s checking account.
The more searching since it was created, the payroll is a type of loan that has its installments discounted directly on the payroll. There are many advantages for those who can contract this operation, the applicant does not need to have an account at the bank, the rates are the best compared to other modalities, the installments can be directly discounted at the company or paying agency of the applicant, during the term of the contract. The discharge of the loan can be anticipated after the grace period.
CDC – Direct Consumer Credit
The CDC is a loan directed more exclusively to the acquisition of goods and services like (electronics, appliances, construction materials and also technical assistance and maintenance). The CDC is a loan, but can be recognized with financing; the most awarded CDC are banks and retail stores. In this type of operation, the payment is made through the financing with credit card or financing in the card. There are several variants in the concession of this type of credit, one of them is the vehicle of the applicant given as collateral.
Taking advantage of the theme, check out the “Video of the Good for everything of the Bank of Brazil”