Nowadays, many people have complained a lot about the high interest rates in our country, but the financial market is always looking for ways to make it possible for customers to pay the financing, reducing costs.
There is a measure that is legal and stipulated by the government, which is the exchange of customers in institutions. In other words, the person who entered into the financing can leave one bank and enter another that offers better conditions in terms of installment amounts.
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How does the reduction in financing installments work?
According to Bruno Gama, CEO of Credihome by Loft, he explains that abusive interest rates in Brazil increased from 2 to 13% in the last 18 months. However, the increase in the Selic rate does not have a direct impact on real estate financing, since interest is calculated on TR savings. Therefore, it is possible for property owners to save money by portability of financing, that is, by requesting to change to a new institution that offers better interest rates and payment terms for their property.
In short, Bruno admits that the client who changes institution may be a cheaper option.
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It is important to highlight that this information comes from a professional at Credihome by Loft, which is none other than one of the most important real estate credit programs in our country. This platform aims to help people who suffer from problems with the financing process and offers free advice.
To carry out portability, that is, change institutions, the customer must request a loan on the portability line, which can therefore be used either for real estate or loans to secure their property.
