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.
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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.
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..
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.
