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With their budgets overrun and no expectation of a significant increase in their bank accounts, many people have been taking up the famous loans for negative people, which promise to help all those who need a “little help” in times of crisis.

Some banks and financial institutions have been promoting credit options, which aim to help those who have “dirty names” stamped on credit restriction bodies, such as SPC and SERASA.

Discover the 3 types of loans:

Loan with property guarantee

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Popularly known as property refinancing or pledge, this form of credit has lower interest rates for the creditor and has as exclusive payment guarantee the property offered as a pledge by the credit applicant. Property refinancing is recommended for creditors who have a property in their name and whose installments have been paid.

As the payment guarantee is greater than those provided by other types of loans, the amount available to the creditor similarly increases. At Caixa Econômica Federal, the loan applicant will be able to obtain a credit of up to 60% of the value of their property.

How it works?

After the single loan applicant shows a property as collateral, Caixa Econômica Federal carries out a preliminary analysis of the property in order to find out how much it is worth today. It is worth noting that properties appreciate in value over the years, so if the property offered as collateral must be worth at least R$30 thousand reais, it will be eligible to be mortgaged by the bank.

Loan with vehicle guarantee

Also known nationally as vehicle refinancing, single credit with vehicle security is a form of credit in which the loan applicant's car is presented as a guarantee for payment of the entire amount provided by the institution, that is, if the credit applicant If you fail to meet your contractual obligations, the creditor will be able to repossess your vehicle.

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The single credit with a guarantee on the vehicle has a lower interest rate than other loans intended for those with bad debts, precisely because of its guarantee, which means that the risks of your creditor bearing the losses due to your lack of payment are minimal. given what the applicant has to lose. It is of great value for anyone interested in this type of loan to thoroughly research the interest rates offered on the market.

It is worth noting that the value of the loan given to the creditor must be proportionate to the value of the vehicle dated as collateral, varying from 50% to 90% according to the relationship used by each financial institution. It is essential to highlight that the newer the car, the better conditions and interest rates the credit applicant will have on their loan.

Payroll loan

Available to people who qualify as: retirees, employees whose companies are affiliated with Caixa Econômica Federal, public servants and INSS pensioners who have a negative name, the payroll loan has its installments paid through discounts made in a directly from the employee's payroll or directly from the benefits of retirees or pensioners.

Because of this, this type of credit has lower interest rates compared to the loan for negative people offered by other financial institutions. After all, banks that have ties with creditors have greater guarantees of loan payment, due to the fact that they can deduct from the payroll.

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Having undergone some adjustments regarding its terms and conditions, the monthly ceiling for payroll loans was reduced from 2.2% to 2.05% for public servants. For retirees, the ceiling fell from 2.14% to 2.08% per month.