When we talk about real estate financing for negative people, we are also talking about possibilities of expanding credit horizons, that is, making people who had credit applications denied to be able to make new financial transactions to make their dreams come true.
It is also possible to think of a loan as a way to finance a car, motorcycle or house, because after all, these three items are still configured as
When we are in a situation of financial constraint on our behalf, many things become more difficult to obtain, obtaining financing is an example. But it is possible to make a real estate financing for negative?
The first step to whether this is possible, you need to find out what kind of restriction is associated with your name.
Below, we have gathered a series of information that will certainly help you who are looking to take out a property financing, however, your name is negative.
Considerations about the types of negation:
Serasa and SPC: this is the type of credit restriction, a situation that many people face today, your name is listed in these bodies when you fail to comply with some amount you have committed, it can be a loan, a card bill credit card or a store booklet.
Restrictions at the Central Bank: in this case it occurs more often when the person issues a check and it does not have funds on the agreed day, so your registration is “dirty” with the Central Bank.
Pending with the Federal Revenue and INSS: problems in the income tax declaration, with your CPF, or pending with other types of taxes result in this restriction.
Litigation: If you have assets seized or labor lawsuits against you also result in credit limitations.
Financing for negatives - important considerations
It is important to say that In order to be able to finance through a bank, such as Savings Bank, the answer is no. But this is not the end of the line, the big disadvantage is that you have no chance of getting such competitive interest.
A very possible alternative is to finance your property directly with a construction company, many already work with this type of service, of course the interest as we have already said will not be the same as those of Caixa, for example.
The most important thing is to be aware when closing the deal and to know if you can really afford what you are committing to, so that your situation doesn't get even more complicated.
Which banks do financing for negatives?
It is valid to say here that 15 years ago we could not think of a loan or financing for negative people, however, with the advancement of new technologies and society as a whole, we can think of this possibility today.
You can get a loan (or loan) for people with a car or property guarantee as a payment option.
Another alternative to a loan for negative people is to take out a secured loan.
In this case of a loan for negative people, the banks keep the vehicle or house / apartment as collateral for the payment of your loan.
We can say that the new advantage of this modality is the lower interest rates, which can be lower than 3.0% per month in some cases. That is, rates close to those observed in the payroll loan.
However, it is valid to say that the only detail that is important to keep an eye on in this case of loan for negative people is that, if you do not pay off the debt amount, the asset left as collateral is lost, and what could previously be a help , ends up bringing more damage to those who sought a loan for negative people.
Financing for negatives through pledge
Financing for negatives through pledge is a very interesting option that you need to know about.
Just like the loan for negative people with a guarantee of furniture or vehicle, financing for negative people through the pledge is a way to keep a person's asset while he does not pay the full amount required in the bank.
In general, we can say that the pledge can be made at one of the Caixa Econômica Federal branches and you leave with your money on the spot, without the need for cadastral analysis. That is, the bank will not even know if you have a restriction in your name and how big your debts are.
The Caixa Pledge accepts the following goods:
- Jewelry, silverware and diamonds.
- Valuable pens and watches.
So, which of these loan options for negative people fits your profile? Remember that before taking out a loan for negative people, take into account the amounts of the installments that will be paid and if this will not further disrupt the family budget, where you will just replace one problem with another.
Interest rates for financing for negatives
It is important to say that financing rates and interest will always depend on which bank you chose.
Each company can charge as much interest and charges as it wants when approving a personal loan. Therefore, although the CET includes everything that will be charged, it is important that you know them one by one:
Interest rate;
IOF (Tax on Financial Transactions)
Taxes;
insurance;
Registration fees.
Before accepting and applying for a personal loan offer, compare all these charges and choose the best deal for your pocket.
Financing for negatives – contact telephone numbers
We will leave below some contact numbers for companies that currently provide financing for those with a dirty name.
Crefisa - solutions
That's right! Meet Cris, our virtual assistant, and schedule your appointment at crefisa without leaving home, directly by cell phone! Call Cris right now at Whatsapp: (11) 94582-1680.
Agiplan
This is also an interesting financing option for those who are negative. The Agipag Service Center serves the telephone 4007-2610 (metropolitan regions and capitals) and 0800-007-9090 (other locations), there you can talk to an attendant and clarify all your doubts about the Bank's digital account Agiplan
Financing for negative bank BMG
Service 24 hours a day, every day of the week. For calls made from a cell phone: 4002 7007🇧🇷 Landline Phone Calls: 0800 770 1790; Service from Monday to Friday, from 7:40 am to 8:40 pm and Saturday from 8:00 am to 7:00 pm: 0800 031 8866.
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Good luck and don't give up on the dream of your own home.
