In addition to the ideal interest rate, there is also the type of personal loan that suits you best. To do this, you have to ask yourself some questions in order to find out which mode is best for your pocket.
What is the ideal personal loan?
Lendico has selected the four most requested options on the market and indicates which one is best for you:
|Credit reason?||Personal loan indicated|
|“I want to clear name (CPF negated)”||Loan for negative|
|“I’m a public or private employee looking for the best rate”||Payroll loan and / or personal loan|
|“I have a good as collateral and want the best rate”||Guaranteed loan and / or personal loan|
|“I will make a high purchase, but without using my credit card limit”||Guaranteed loan, personal loan and / or payroll loan|
Of course, one of the best rates on the market is payroll. The line is focused on INSS retirees and pensioners, but also on civil servants or private companies affiliated with banks. The installments are debited monthly from payroll (payroll) and have the rates controlled by the 7Days Bank.
Do you own property or car? Also with one of the lowest rates on the market, this modality is released between 15 and 60 days, depending on the financial and value chosen. However, you must be aware and make sure to repay the installments. If you forget, you may be at risk of losing the property you placed as collateral, for example, the property or car.
An emergency or immediate need? The loan caters for almost all citizens and can be paid by bank slip or even debit account depending on the financial one. Clients often take this credit for debt transfer, for example, where the amount taken is used to repay the financial commitment and get lower installments and interest. Read here how to get a better interest rate!
Loan for negative
With negative CPF and other financial commitments? The tip is that you should avoid taking a loan in this case because the Total Effective Cost (CET) is one of the highest, passing the interest rate charged to the credit card, which today is the highest in the market, with an additional 445% per year. Ideally, you should try to renegotiate your debts with the institutions themselves. Learn more about the rate charged by clicking here.