In general, we can start this text by saying that those people with a fixed salary have access to good lines of credit because they can prove their income easily. This means credit opportunities with low interest rates and extended terms.
The options for personal and salaried loans available on the market are more advantageous when a guarantee is placed on the transaction.
When you make a personal credit, that is, when the bank gives you a guarantee, they can offer better conditions than conventional lines of credit, such as personal modalities and overdraft.
It is important to say that the good involved in the operation can be a car, a property or even the salary. This transmits more security to institutions and therefore they are able to offer lower rates to customers.
Loan for employee of private company
You see, you need to understand: in the financial market, the line of credit intended for employees of a company is called payroll-deductible personal credit, and also payroll-deductible loan. This type of model uses the salary as a guarantee for the operation. Therefore, interest rates tend to be competitive in relation to other modalities.
In this modality, the customer does not need to worry about the payment of installments. This happens because the institution deducts the loan directly from the payroll. But that doesn't just bring advantages, since the month starts with a committed part of the income.
Know that it is necessary to be in a company that has an agreement with a bank to get the payroll. Generally, only large institutions have this bond.
FAZENDO – Credit with vehicle guarantee
This is another very affordable option, yes, when you take out a personal loan or credit and pledge your vehicle as collateral. For those who do not own a property, a worthwhile alternative is to take out a loan with a vehicle guarantee. This line of credit is similar to the previous one and also allows free use of resources.
However, it is known that the big difference is that the customer puts the car as a guarantee for this operation and gets terms of up to 60 months.
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