Personalizar preferências de consentimento

Utilizamos cookies para ajudar você a navegar com eficiência e executar certas funções. Você encontrará informações detalhadas sobre todos os cookies sob cada categoria de consentimento abaixo.

Os cookies que são classificados com a marcação “Necessário” são armazenados em seu navegador, pois são essenciais para possibilitar o uso de funcionalidades básicas do site.... 

Sempre ativo

Os cookies necessários são cruciais para as funções básicas do site e o site não funcionará como pretendido sem eles.

Esses cookies não armazenam nenhum dado pessoalmente identificável.

Sem cookies para exibir.

Cookies funcionais ajudam a executar certas funcionalidades, como compartilhar o conteúdo do site em plataformas de mídia social, coletar feedbacks e outros recursos de terceiros.

Sem cookies para exibir.

Cookies analíticos são usados para entender como os visitantes interagem com o site. Esses cookies ajudam a fornecer informações sobre métricas o número de visitantes, taxa de rejeição, fonte de tráfego, etc.

Sem cookies para exibir.

Os cookies de desempenho são usados para entender e analisar os principais índices de desempenho do site, o que ajuda a oferecer uma melhor experiência do usuário para os visitantes.

Sem cookies para exibir.

Os cookies de anúncios são usados para entregar aos visitantes anúncios personalizados com base nas páginas que visitaram antes e analisar a eficácia da campanha publicitária.

Sem cookies para exibir.

Pular para o conteúdo

How to get a loan being negative in 2022: check out the best options

Como fazer empréstimo estando negativado em 2022; confira as melhores opções

In the year 2022, many people find themselves negative in some banks, this could be a problem due to the charges and high interest rates. Likewise, being negative can prevent you from making a loan in the bank.

With that in mind, our team has separated for you the best ways and options to take out a bank loan, even though I'm negative! Check out the best options for you to do this now.

How to get a bad credit card? View details and tips

Payroll loan

For those who are in the red on the bank, without a doubt a payday loan may be the best option. Banking institutions that provide this category of loan deduct the installments directly from the customer's payroll, avoiding losses.

Because of this, The interest charged on this type of loan is much lower than conventional loans.. This is because the bank will have a guarantee of payment of the installments, in this case, the salary of the customer who requested the loan.

Como fazer empréstimo estando negativado em 2022; confira as melhores opções
How to take out a loan if you are negative in 2022; check out the best options / Image credits pexels

Who can apply for this type of loan?

This type of loan cannot be requested by everyone. However, the diversity of possibilities is so great that you probably fit into one of them. So, see right now who are the people who can apply!

Everyone who has contracts with the INSS, such as retirement, they can ask for a payroll loan even if they are negative. Likewise, public employees who have declared income can also. Some private companies and jobs in military positions also accept.

So, you probably fit into one of these options. Furthermore, it is advantageous for the bank, as there will be no need to worry about returning the money, as the amount is deducted directly from the payroll.

The main precautions for those who are negative

When you go to apply for a loan, if it is negative, you have to take some care, ensuring that nothing wrong happens. The first point to pay attention to is scams.

You certainly know that financial scams, especially in Brazil, are very common. With that in mind, keep in mind that some fraudulent companies charge advance deposits. Then, Never pay anything before receiving the loan.

Furthermore, Sites with spelling mistakes are also a warning sign for those who search for Internet. Always check the contact information to make sure it is not a scam.

Lastly, the most important care you have to take is with the interest rates on these loans. Even though it is a payday loan, it can still have a very high rate, which can be very dangerous.

As an example for you, a rate of 12% per month means that in just one month, R$ 10,000.00 turns into a debt of R$ 11,200.00. This can become a problem, making it very difficult to pay off the bill..

Como fazer empréstimo estando negativado em 2022; confira as melhores opções
How to take out a loan if you are negative in 2022; check out the best options / Image credits pexels

Other loan categories

If you don't want to take out a loan, There are some other ways to do this while negative. Therefore, two other categories of credit can be requested.

So, the first of them It is for those who have their own property without debt. Several banking institutions accept the registration of this property, such as a house, for example, as a guarantee of payment. So, if you have a property, this is an alternative.

Likewise, secondly, you can use as a term to ensure payment, your own vehicle already paid for. Thus, your car or motorcycle can play a fundamental role in deciding whether to accept the agreement.

These are the only best known ways. With the right opportunity, you can take out your loan without any difficulty.. But always be careful, scams and fraud are very common, and the interest rates on these loans can be a trap.

Leave a Reply

Your email address will not be published. Required fields are marked *