What you need to know to get personal credit

Borrowing can be a good way to balance accounts depending on the situation. Urgent bills, delay in rent or other types of unforeseen circumstances end up requiring such an attitude. If it is a well thought out and planned solution, getting personal credit can save your finances without becoming a headache in the future. To start planning your loan, we will tell you all that I need to know to get it. Read at the end and stay on top of the subject:


Who can apply for personal credit?

personal credit

Most financial institutions follow some guidelines when assessing who may or may not receive personal credit. Among the rules are being over 18 years old, having a permanent residence in Brazil, not having your name in SPC or Serasa, and indicating a telephone number on national soil.


What documents are needed?

credit loans

As a rule, the documents required to obtain personal credit are the same as those required in most transactions. This is: an identity document, proof of income and residence, in addition to family or work references.


Where to borrow?

borrow money

Credit programs are available from almost all financial entities. Both large institutions and those with less market share offer the service. So, the ideal of a good research before opting for one of them. Within the Good Lenders app, you you can do this in the price comparator tab. Evaluate what are the fees charged, the forms of payment and the number of installments available, in order to find which proposal is most consistent with your financial reality.


Which loan to take?

money loan to take?

There are several types of personal loan. The best option varies according to the needs and expectations of each one. After making a study of your budgetary situation and an exact survey of how much money necessary never ask more than you really need time to look for what to be best suited for you. Several financial institutions have personal loan resources. To remove it, negotiate with your bank the total amount of the procedure. It is advisable that the share is not greater than 30% of your income. The ideal commit only 15% to the loan.

Consigned personal loan

The “payroll loan” is seen as one of the best options. But I need to be aware: not everyone can do it. To prove yourself fit for the consigned credit, you Should he be retired or an account holder with the INSS, a civil servant or a formal employee of a company that is a partner financial institution together which loan will it be hired.

Personal Income Tax Prepayment Credit

Is that kind of credit It is used for emergencies, since it anticipates a part of the resources refunded by the Income Tax. To remove it, It is necessary to indicate in the IR your name and bank account number. However, It is important to remember that payment for this modality cannot be paid in installments. Most Brazilians, at some point, end up needing money for some emergency. Getting credit, however, does not have to be a nightmare: what is it Personal credit can be an alternative for many who are experiencing financially difficult times.

Online loan

With less bureaucracy and lower costs, some institutions are specialized in offering credit online, and one of these companies Good credit loans, which promises ease and the possibility of comparing different institutions and interest rates. Lite Lending also offers this type of credit at competitive rates in the financial market. No Just, isn’t it No fee is charged and interest is one of the lowest on the market. And you, already Did you need personal credit at any time Have you had good experiences with this type of financing

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