Benefit and Employee Salary Loan

Loan! Who does not need them?

Loan! Who does not need them?

There are few people who are economically active who have not yet taken out a personal loan or do not use any form of credit on a day to day basis. All kinds of people can get the benefits of personal loan: employees of private companies who are generally salaried, those who receive retirement and government pension can also borrow money with very low cost and military and civil servants.

The benefit loan and salary loan is best known as popularly called “payroll,” the operation is ideal for salaried employees, retirees and pensioners of the INSS and for those who work in the public sector in general. The collateral that the lender has in this credit transaction is the convenient and practical discount made automatically by the payer, every month for the duration of the loan agreement.

Who is it for?

Who is it for?

If you are retired and pensioner, have permanent employment in a private company or are civil servants or civil servants, you can easily access the payroll offered by more than sixty banks and financial institutions in Brazil. The loan or benefit loan transaction is actually one of the best alternatives to get money financed , the installments are retained by the paying agency or company and discounted in the salary, retirement or pension of the contractor.

Term of the loan

Term of the loan

The installments are fixed and monthly, ie the value of the installments is the same and do not change from the beginning to the end of the loan, the term of this type of loan is flexible, interest as well. The borrower can contract from 6 installments up to a maximum of 60 installments in the benefit, with a discount on the salary the term varies according to the agreed upon between the company and the lender, already in the functionalism the term begins on 6, 12, 24, 36, 48, 60, 72 and up to 84 plots. The commitment can not exceed 30%, but it is possible to find public bodies that consider compromising up to 40% with MTS.

There are also cases where even temporary workers with fixed-term contract or commissioned employee can apply for the loan on salary. The loan application is based on the duration of the employment contract.

Values ​​Released

Values ​​Released

In general the amount released in the loan operation are about 6 to 12 times the amount of the monthly benefit or income. In the case of retirees and pensioners, the loan must be repaid in full until the eighty-fifth year and 6 months of the contractor (85.6 months), but also changes from bank to bank, in some the term may be shorter, up to 79 years.

Applying for a loan or salary loan in banks, finance and credit unions has become very easy thanks to the lack of red tape in the concession, it is enough to have retirement that allows the discount, to be a worker in a CLT scheme or civil servant of the civil area or military, these are virtually the only requirements and guarantees required by creditor institutions.

The private or public agency employer makes payment to the creditor every month directly to the institution, after deducting the amount of the contractor’s (borrower) portion. In this way, even those who have the negative name in the SPC or Serasa who are normally excluded from access to credit, can contract the consignment without problems.

In some cases the lender demands differentiated conditions for the grant: it requires you to obtain in signing the loan from a credit protection insurance policy to protect the applicant and his family in case of loss of employment or death of the borrower and the hated “peculum “During the loan period. It is possible to make the total settlement in advance.

Personal Loan for Negative Online

By whatsapp, apps on mobile… actually the trade of personal loan and financing is changing the whole credit scenario online. It is with name, with dirty name, negative, without consultation, with or without It consulting company, liberal or salaried, no matter the condition or profile – you can get a loan even negative and online. This means that anyone who wants to get a personal loan has more options.

I do not know yet if personal loan is a blessing and a big burden – who got into debt is who should know well how it is. Well, anyway, the blessing is that it is much easier to make a loan application now that there are dozens of lenders and many credit intermediaries who are willing to lend money for you to do what you want without worrying about factors like: dirty name, bad credit and low credit score.

But personal loan is also a burden, because that today you see dozens of sites and online stores, advertising, advertisements and commercials lending money to all kinds of people, does not mean that people have money left but they are needing more and more. more and that the way out for them is to take out a loan.

Moved by the will to eat with the facilities of finding the dish ready at the table, requesting a loan even without being able to pay or pay with difficulty, may in the future become a great burden in the personal life or an entire family.

Loan Comparison Sites

To help in choosing banks and interest rates, the loan comparison websites do all the work for you. The requester only has the job of filling in the data correctly, that in five or more minutes the response arrives in the email or whatsaap with five or more hot proposals.
Are such site comparisons worth it? Yes, of course, you save a lot of time and if you do a good loan, it will save a lot of money in your pocket. Under the heading of ” Personal Loan for Online Negative “, there are dozens of banks offering this modality with low interest rates and very favorable conditions. However, as I always heard my grandfather say, “Know beforehand what you’re going to do.”

How to get a personal loan?

If that is your question you are in the right place. There are many reasons why a personal loan may seem the right way. If you have a high-value medical expense, outstanding debts on the credit card with expensive interest, hit the car and had no insurance or you want to put all the debt together into one. A personal loan can be a good balance of accounts.

How Do Personal Loans Work?

Applying for a personal loan is not what it used to be. In years past, lenders wanted to meet you in person, know about your credit history, your profile, view your tax returns, pay stubs, and get more details about your employment before deciding whether you should have the loan released or not. In many respects, it is easier to obtain a personal loan today than in the era of the shops, cooperatives and traditional banks dominated the financial system and the sale of personal loans.

Personal loan in all modalities can vary as to the amount released and terms for repayment. Some loan terms can last for years while others like:

1 – Loan with loan sharks: 30 days
2 – Loan at bank limit: up to 10 days
3 – Credit card loan: up to 40 days
4 – Pre-dated check: 30 days
5 – Promissory notes: as combined
6 – Student Loan: After graduation
7 – Housing loan: up to 35 years
8 – Cash Paid: up to 180 days

Other forms of personal loans, start with a high portion and end with a smaller installment, and unlike it as well. One more detail… The monthly interest payment will depend on the term of the loan and some lenders offer lower interest rates with longer terms or the type of collateral involved in the loan like us: secured home loan or vehicle warranty.

A good personal loan calculator can tell you if it is cheaper in the long run to choose the lowest interest rate with the long term or the highest interest rate with the shortest term.

Bad credit and dirty name

Bad credit and dirty name

If you have some time before you need a loan, it is a good idea, and consult It consulting company to know about your credit score before applying for a loan. If your credit score is low or non-existent, you will not be able to apply for a personal loan at a traditional bank.

But if you are a private company employee who makes payroll payroll loans, you will have no problem getting the money you need. Also military, public servants and retirees and pensioners of the INSS, that is, even with dirty name a person gets the known – loan to negative online with dirty name.

Personal loan stores

Personal loan stores

Want to have an approved loan? This is not difficult or time-consuming, but you have to know how to look. Always think first, “I need a loan” if you really do not have the time to do a lot of research, loan simulations online and ask questions until you get the best deal.

” You get relatively affordable loans through online lenders and peer-to-peer lending sites.”

Conclusion : To qualify for a personal loan from a traditional lender, you need to have a good to excellent credit. If you want to get a loan to negative online even with restriction, ask for a payroll, with moneylender, or in crefisa personal loan. Other form would be the loans with property guarantee and vehicle warranty. Success!