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Conditions for obtaining a car loan: how to apply?

What are the conditions for obtaining a car loan, as well as the supporting documents to be provided? We will review the legal obligations that must be fulfilled when applying for a credit for a car, motorcycle or any other vehicle. We will also see how to get a favorable opinion, as well as the reasons that could lead to a car loan being refused.

Conditions for obtaining a car loan

Conditions for obtaining a car loan

Auto credit – new or used – is offered by dealers, banks, some insurers and especially online credit organizations. All of these potential lenders display certain conditions for obtaining any vehicle credit (car / motorcycle, etc.).

  • Not to be registered (FICP or FCC) 
  • Be of age (18)
  • Present identity documents and proof of address
  • Provide sufficient financial guarantees (payslips or pensions, tax advice)

Other conditions for obtaining a car loan

Finally, there are more variable conditions depending on the lending institutions but which are found almost systematically when applying for car / motorcycle credit:

  • Present a vehicle order form to the lender *
  • Don’t have too high a debt ratio
  • Have a stable financial situation

* The vehicle order form is issued by the dealers. Requested almost systematically by lending organizations, the order form ensures that the money is intended for the purchase of the vehicle. The car loan is not a credit without proof like the personal loan or the small revolving credit.

This voucher must also include the mention “purchase on credit” in order to protect the consumer. The sale will for example be canceled in the event of a credit being refused after having obtained a first agreement in principle. The use of the right of withdrawal (14 days) concerning the sale of the vehicle also causes the cancellation of the consumer credit. Any other problem concerning the delivery of the vehicle also results in the cancellation of the loan. It is therefore very important to verify the presence of this mention.

Car loan application: who offers the best rate?

Car loan application: who offers the best rate?

The best auto loan rate is usually offered by credit agencies. Viloan, Bankate and even Astro finance offer TAEG rates that are more attractive on average than those of manufacturers, but also of banks and insurers. This is the result of our different credit simulations. However, not all online loan specialists offer attractive APR rates (what is that?).

Only a car loan comparator (new or used) can isolate the best rates. Our tool goes even further, proposing to obtain an immediate response in principle. Without commitment, this step ensures that your project is achievable in the best conditions.

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Personal Loan

Personal loan in a ticket or payment book is a way of repaying the credit requested to a financial institution or lender. The cost of living in Brazil has no doubt that it has risen in recent years and money seems to be falling in the hands of citizens while costs have risen steadily.

The problem is that there comes a time when having to apply for a personal loan is one of the alternatives to address the lack of resources and immediately address the financial problems that may arise.

It can be a great alternative for those who need not very large amounts. In addition, the release is made immediately and can be delivered even the same day. In general, this line of credit only serves people from the region itself and values ​​up to 2x of the amount you can prove in income.

Advantages of Personal Loan

Advantages of Personal Loan

Release is rapid and can happen on the same day. The money is deposited directly into the holder’s checking account and the payment takes place in up to 16 installments with great interest rates.

It can be can be paid at lotteries, post office or any bank branch until maturity.

Who can do it?

bank

  • Every general public that proves income.
  • Retirees and Pensioners in general.
  • Public Servants in general.
  • Self-employed with proof of income.

The applicant must have more than 6 months of registration in the CLT regime or be a public worker, have a minimum income of R $ 650,00 net, must prove income and can not have registration restrictions in the name (SPC or SERASA). The problem is that there comes a time when having to apply for a personal loan is one of the alternatives to address the lack of resources and immediately address the financial problems that may arise.

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Frequently Asked Questions about Personal Loan for Negative

When the economic crisis hits our pockets, we get aimless, don’t we? But we see a light at the end of the tunnel when the opportunity to make a personal loan even with the dirty name.

Yes! But your chances of getting an approved loan will be lower and with higher rates, but you can place an application even if you are negative and direct this money to clear the name, so when you apply for a new personal loan the rates are smaller and more banks and financiers are able to accept your profile.

How much can you get on the personal loan?

How much can you get on the personal loan?

Also, the maximum amount depends on your income. If you are a bank account holder, the bank usually has a pre-approved personal credit limit. In that case, you would get a value within that limit. Whether you try a personal loan at another bank will depend on their credit analysis.

When is the best time to take out the personal loan?

Despite being among the most expensive loans these days, it can still help you in some situations.

For example, for an expensive emergency, which is not a fixed monthly expense, such as medical care or risky surgery. It could also be advantageous to use personal credit to pay off a debt more expensive than it, as is the case with overdraft.

Where to make personal loan for negative?

Where to make personal loan for negative?

Also, if you are in debt, you probably want to borrow soon. For this you can opt for a loan for negative online. You don’t have to leave home, go to various banks, talk to different people. You can do everything online. And the money goes straight to your account.

For this reason, count on Loan and Credit Loans to make your online loan for negatives. Just fill in the information with your details and your profile will be analyzed. It is a practical and bureaucratic way for those who need money fast.

So if you have any questions, count on us. We are here to answer any questions: whether you choose the best loan option, questions in the middle of the application process, or general finance questions.

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Signs It’s Time to Make a Loan

Are you in doubt about the need to make a loan or not? Amid so many financial commitments, it is easy to get lost in payments and tighten the budget.

Often, even if you cut expenses and prioritize bills, it can be difficult to stay in the blue. Ideally, look for solutions to this before it becomes a snowball. Borrowing can put your finances on track again safely and conveniently.

So in this post we will give you signs that it is time to make a loan.

You paid the minimum credit card amount last month

money

If you paid off only 15% of the total and the rest will be added to the next invoice plus very high interest. In this situation you are likely to accumulate more debt.

Therefore, it may be more economical to apply for a low interest loan and pay the bill in full.

An emergency expense has arisen

In addition, unforeseen and non-deferred expenses, such as a family medical emergency, can pop up and tighten the budget. First, it is important to understand if you have any other expenses that you can cut to cover the emergency.

Over 30% of your income is committed to debt

Over 30% of your income is committed to debt

This is a sign that you have exceeded the recommended limit because you will run out of cash to use on other accounts. You can contract credit to pay off all debts at once. It is an opportunity to refinance your debt, ie get a new loan with lower interest from another institution.

Getting a loan that best fits your financial profile is quick, but don’t forget: It is important that your loan does not commit more than 20% of your monthly income! 

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How to pay off credit card debts?

Credit cards can be a great ally for those who want more convenience, ease of online shopping, travel or install large purchases, but pay attention because it’s so easy to lose control, especially making installment purchases, and getting a card debt. credit. Last year, 8 out of 10 Brazilians had credit card debt and this is increasingly common. Many people, even, are so worried that they are developing depression from debt . If you are part of this group, don’t worry! Everything has a way. The important thing is not to get discouraged, to look up and get organized to pay off the debt and end this problem.

In this post, we’ll answer a number of questions and give you some good tips for knowing how to negotiate credit card debt, how to control credit card usage, how to get a badly named credit card, and what to do to get credit card debt down. once for all!

 

Credit Card Debt Attachment Goods?

Credit Card Debt

One of the most popular concerns of those with credit card debt is whether it is possible to lose assets. Yes, this may happen, but there are few cases and each situation may vary depending on the size of the debt, your monthly income and what assets you own.

If you or your family own only one property, it cannot be pledged

A property such as this is only pledged to the debts of the property itself, such as condominium, property tax, or installments of a financing where, in the contract, the property acts as collateral for its financing, this is called fiduciary clause.

 

Cars can only be foreclosed if you have more than one

Cars can only be foreclosed if you have more than one

Unless the financing of the same provides for clause of chattel mortgage, same as the case of the property we commented above.

Another common question is whether credit card debt can block the checking account. The answer is: it depends. Things you use for work, such as sites, buildings or small farms, or are the result of your work, such as your salary or money saved in savings, are not pleasurable. If the bank blocks your checking or savings account on your own, it is an abusive action. However, there are two types of account lockout that are allowed:

Judicial block : when during the debt lawsuit, the judge allows the debt payment block.

Preventative blocking : If the bank suspects the source of the money, it can block as a security measure and bring to justice.

 

Credit card debt lapses?

Credit card debt lapses?

It is quite common to hear people commenting that after 5 years credit card debt lapses, but this is not true! What happens is that after this time, your name will no longer appear on Serasa’s list. So if you are going to borrow from another financial institution after that time, you can do it. But the card-issuing bank you used could still charge you the debt. Also, don’t forget that credit card debt can be charged judicially and give a big headache.

For those who have always wondered how to have a credit card with a dirty name, one option is to have a prepaid credit card, which is nothing more than an account where you put money through bank slip or transfer and use the balance that is there. in credit mode. This makes it easy to shop online, as some sites do not process payments with debit cards or slips.

 

What to do with credit card debt?

What to do with credit card debt?

One thing you need to know is: Paying the minimum card bill amount is no use and only worsens your debt!

The first step in solving the problem is knowing exactly how much you owe in total, considering all interest and corrections.

After that, a good idea is to exchange this debt for a cheaper debt, such as a personal loan , and then contact the bank to negotiate your debt. Remember: Paying off credit cards has a discount on total debt, yes! Just negotiate properly.

 

How to end credit card debt?

How to end credit card debt?

As we said before, to pay off your card debt and get rid of this headache, you have to go through 3 steps:

1. Know how much you owe and how much you can pay

Here is the time to get it all down to paper: Start by asking the bank for the Total Effective Cost (CET) of your debt, which is the sum of the debt value to all interest, fees and taxes. Also, it is important that you know exactly how many months you owe and how much each invoice is worth.

So list all your monthly expenses and understand exactly what costs you can cut and how much you can pay monthly to pay off your card debt.

 

2. Negotiate the debt

When negotiating, the main tip is to do this in person. With eye to eye everything is easier. You can request the withdrawal of interest or fine or at least the reduction of interest rates.

Banks always make a profit by charging fees on debt, but there is no point in charging huge fees if debtors will not be able to pay. This is why institutions are usually willing to negotiate debt and this is the time when you can take advantage of a fair value that you can afford.

 

3. Apply for a personal loan

Because credit card interest rates are so high, the best option to pay off is to take out a low-rate personal loan with a good repayment term, so you pay off your debt and repay the loan in smooth monthly installments. A great option is a secured home loan , which is among the best-rate loans on the market.

To take out a secured home loan, you must have an endorsed residential or commercial property or mixed houses, land or non-endowed lots. Also, you need to make a simulation and evaluate your property. Then the application goes through a legal analysis and finally, with everything approved, it is time to sign the contract and go to the notary’s office! If all goes well , the money is with you in 10 days .

It sounds odd, but swapping one debt for another is a common practice, and especially in this case, it may be a good option! With the loan, you can find lower interest rates and get lighter installments. So you clear your name and commit only to an amount you can afford.

Don’t forget : If you decide to continue using your credit card, do so very carefully so that you don’t get into debt again.

The best thing at this time is to use the loan to repay the debt and also make a reserve fund and take advantage of this time to reorganize finances , cut costs, save to the maximum and avoid new debt.

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How to have credit card with dirty name?

Credit card is an old creator of controversies when it comes to personal finance management. It is one of the main culprits for Brazilians’ defaults but can be a great ally when it comes to shopping online, for example, or paying for streaming services like Netflix and Spotify, quickly and conveniently. As the bank slip takes up to 3 days to process the payment and many sites (especially international) still accept only credit card, who does not have this controversial friend sometimes fails to take advantage of good shopping opportunities. Well, knowing that a credit card can be a good ally, but you have to be careful not to lose control and get into debt, other questions arise: and who is already in debt, can have a card? How to have credit card with dirty name?

The ideal is to clear the name and then look for a card. However, we do know about the convenience it brings and so we will help you understand all about restricted credit card and how to get a dirty name credit card. Check it out below:

 

Is it possible to open an account with a dirty name?

Is it possible to open an account with a dirty name?

When you register with the bank, whether you have a checking account, a savings account, or apply for a credit card, you send many documents, proof of residence and income, and from that, as well as consultations with Serasa and SPC, financial institution approves your request. All of this is done so that the bank has a guarantee that you are a good payer and will use their services to the best of their ability.

In general, there is the possibility of opening a bank checking account even if the name is dirty. However, the bank also has the choice not to approve your registration and it depends so much on your financial history (how large is the debt and how long it happens, how many creditors you have, etc.) and credit score, how much policy bank’s own credit approval This is because checking accounts usually have a package of customer benefits such as overdraft and pre-approved credit card. Some banks also offer account models with more basic benefit packages or without any of these services, such as payment accounts or payroll accounts, where users only receive payment deposits, withdraw and transfer, and move their balance through the function. debit Opening a savings account is a little easier as they do not have the overdraft limits or pre-approved credit that current accounts usually have.

However, to know if the bank will approve the opening of the current account, you need to look for a manager of the financial institution, inquire, question and even try a negotiation. And if you hear no for an answer, don’t be discouraged! Other banks may still have account options that fit your conditions, so keep trying.

 

How to have a credit card with the dirty name?

credit card with the dirty name?

Are you negative and wondering what to do to get a credit card? So you are in the right place! Applying for a dirty name credit card can be difficult on conventional models, but there are some other good solutions for those in this situation:

 

1. Prepaid Credit Card

Credit Card

The prepaid card is a good option for those who want to use the card for more basic functions such as shopping online. As the name implies, it is prepaid, meaning you deposit money first, as in a regular account. As a result, he has no approved credit limit and no installment on his purchases. The difference between prepaid credit card and debit card is in the way of swiping the card, as you can only use the credit function and the ease of buying online or paying for digital services like Netflix, since Few sites can process debit or debit card payments.

 

2. Payroll Credit Card

2. Payroll Credit Card

Payroll-deductible credit is a public servant loan model and is accompanied by a credit card where the amount approved in the loan is deposited and the installments are deducted directly from the payroll of the civil servant. It is a low interest loan and can be a good solution for those who need the card and can take advantage of part of the loan to pay off the debt. But remember that it is a form of credit that works only for civil servants, retirees, pensioners and the military, and also depends on a financial institution that is suitable for the workplace.

 

3. Digital Banks

3. Digital Banks

Not always having a dirty name means you’re a bad payer, you know that? This is due to the so-called credit score. A kind of score we received at Serasa from our financial history. If you have a bad name for a short time, have a debt with only one lender, have all the other accounts up to date, and never had trouble paying recurring expenses, your credit score is likely to be good. You can also use some gimmicks to try to increase your Serasa score by keeping your registration updated, avoiding frequently requesting credit, and finally clearing your name. If you’re in a hurry, check your credit score, and if it’s good, try applying for a card from digital banks like Rubank, Coreline or Moneysolven Bank.

But what is the best bank to make a credit card? Well, it depends a lot on your Serasa rating and also the card template you will choose. For prepaid card, the My Access card is an option without consultation at Serasa. If you intend to apply for payroll loans, always look for the lowest rates.

 

What is the purpose of the CPF consultation at Serasa or SPC?

credit cards

As we mentioned earlier, it is important to check with your Serasa or SPC CPF to find out what your credit score is and to get an idea of ​​the chance of credit card approval of your order. Knowing your rating, you also have a chance to improve your score and even try to clear your name . That way, credit card approval gets a lot easier and you also make your financial life easier, don’t you?

A CPF query is also a good way to find out if your name was removed from the SPC when you clear, this process usually takes around 5 business days.

To monitor the registration status of your CPF, there is even a paid service on the Serasa website itself, in which the institution warns you about the status of your registration, signals risk situations, if someone has made a query to your CPF and even created a debt in your name.

 

How to clear my name in SPC?

credit cards

As we have already said, the best option for those with restricted CPF is, first of all, to clear the name. To do this, the first step is to be fully aware of the value of your debt and your financial situation. Take advantage of our personal finance spreadsheet and organize every detail of your accounts. After arranging debts, one tip we have already given to repay credit card debt , for example, is to swap debt for a single, cheaper debt, such as a personal loan. At this time, a great option is the Bcredi secured and secured loan, which has one of the best rates in the market, is safe and has good repayment terms.

As we mentioned earlier, having a negative registration can be an impediment when opening a pre-approved current account or getting a credit card. Even so, there are several good options for those in a hurry to have a credit card like prepaid cards without consulting Serasa, digital accounts and payroll credit cards.

But the best thing is that there are also great ways to clear your name and increase your credit score before you use the card again, right? So take advantage of our tips for organizing your financial life, take advantage of our personal finance spreadsheet and don’t forget to use our online loan simulator to find the best home equity loan option for you to pay off your debts and clear your name.

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10 Myths About Secured Credit

Pluscredi offers healthy, conscientious and positive credit. For this, it is important to act with transparency and clarify some myths about Secured Credit.

Have you ever heard that expression “Doctor, football coach and crazy, everyone has a little”? For when it comes to money, “folk wisdom” also usually plays a lot of pieces. So it is quite possible that you have already heard some myths about Home Secured Credit out there.

 

1. Secured Credit is very bureaucratic

Secured Credit is very bureaucratic

The bureaucracy and procedures required to secure a Home Secured Credit are the same as other types of financing. They are necessary to ensure the safety of the client and the financial institution.

However, anyone who has tried to lend to traditional banks or tried to do a simulation has certainly been surprised by the amount of requirements that banks require.

Here at Pluscredi these processes are made easy and quick and convenient for the customer. After all, the intention is to help you get out of a financial situation and not make it difficult. The process is 100% online and you finance your home without leaving home!

 

2. Lending over the internet is not safe

Lending over the internet is not safe

Just as “the artist goes where the people are”, with the internet and the changes in habits resulting from it the companies have also adapted to serve the consumer wherever he is. That is, online.

Thus, fintechs have created such a safe and reliable environment for consumers to simulate and borrow over the internet as they would at a physical bank branch. With an advantage: without having to go through the hassle and inconvenience of those revolving doors.

 

3. Every loan is bad

3. Every loan is bad

The reasons that lead a person to borrow are various. If, after hiring, the consumer was able to reach his goal and honored the debt contracted without resorting to a new loan, it can be said that the credit was good.

The logic is simple: If you took a credit and your return on investment was higher than the interest you paid, it is because the loan was worth it.

 

4. The property offered as collateral cannot be sold

4. The property offered as collateral cannot be sold

Yes, it is possible to negotiate the good before the end of the contract. The main reason for this is that even though it is under warranty, the property is still yours and you can do whatever you want with it.

For this, the buyer of the property must pay the outstanding balance with the bank or financial institution to cancel the chattel mortgage. The remaining amount will be paid to the owner.

 

5. The property has to be mine

5. The property has to be mine

If the property owner agrees and signs the contract, everything is fine. For this, the property owner will also be responsible for securing the installments.
Detail: This owner doesn’t even have to be related!

 

6. The property must be paid off

6. The property must be paid off

Not having the property paid off is no problem when applying for a secured credit. As long as more than half of the funding has been paid off, you can apply for credit.

In this case, a refinancing is made: the bank balances the previous debt and grants the remaining amount to the customer.

 

7. Money must be used for a specific purpose

Money must be used for a specific purpose

In addition to lower interest rates and longer terms, another major advantage of Home Secured Credit is its free use.

Once your registration is approved and the money is in your account, it will be yours, and you can use it as you see fit: from paying off larger debt to investing in new business, traveling, or building and renovating. real estate (including that presented as collateral).

 

8. Have to make advance deposit

8. Have to make advance deposit

Neither online credit nor any other type of loan should request advance deposit to release the requested amount. If the company requests this, stay tuned: it has to be a scam.

 

9. The bank or financial institution wants to take my home

9. The bank or financial institution wants to take my home

Even though it is one of the safest and most recommended credit lines in the financial market, and with the lowest rates and longest payment terms, this is still what some people think when it comes to offering a property as collateral. But it’s not true!

Your property, for the financial, is like the insurance of your car: you are safe and do not intend to use it. But it is thanks to him that you travel more quietly around, enjoying the scenery in a good way. After all, if an incident happens, you know you are protected by it.

Similarly, the finance company only wants to rely on the security of your property, not take it from you. It is this security option that allows the institution to offer you healthy credit. With lower interest rates and longer payment terms than most traditional lines of credit.

So you can trust: When we offer a Secured Credit, we want you to get a healthy credit and not keep your property .

 

10. No need to prove income

10. No need to prove income

Some people believe that because they are placing a property as collateral, there is no need to prove income. But it’s not like that!

Here at Pluscredi we understand that “every case is a case” and every trader must have respected specifics in their credit analysis. Thus, we analyze all of its financial movements to compose income, regardless of whether they come from individuals or companies.
Did you see!? Now that we ‘ve gotten’ over there ‘in these online Real Estate Credit myths, how about doing a simulation?