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In some periods of the year do you have a little compromised budget ?. In situations such as: tax payments, IPVA, IPTU; payment of consumption bills in arrears, electricity, water, telephone, internet, or in other situations the loan on time can be the solution to save your budget. In some day-to-day situations applying for a loan on time can be the saving of the monthly financial budget. Online loan online is currently an excellent way to get instant credit to your account and be able to afford urgent expenses.
In 2016, the National Confederation of Trade in Goods, Services and Tourism (CNC) released the Consumer Debt and Default Survey (Peic), which shows the indebtedness of Brazilian families. In September 2016, debt reached a record 63.5%, according to the survey.
To avoid debt and pay bills on time even in the months with the tightest budget, the solution may be to apply for a loan on the spot .
Find out more about online borrowing , how it works, terms and benefits.
What are instant loans (instant loan)?
Currently, in the market there are different types of loans online , many banks and finance companies offer a few different options according to the interest and need of the client. Some institutions have easy access to this credit line, and some do not ask for proof of income, they are:
Personal Credit: small amounts, offered according to the institution. The number of installments is smaller, and some institutions may or may not require proof of income.
Loan with Guarantee: higher amounts, to make the purchase of a good or payment of debt with a higher value or without proof of income. In this loan, it is necessary to offer a property belonging to the client as a form of payment guarantee.
Personal Credit: This loan is offered to those who need a fast credit and without bureaucracy, the amounts of credit are lower, ideal for those occasions when you need to pay a bill and do not want to compromise your budget.
The documents required to apply for the credit line are personal documents, such as CPF (Individual Taxpayer Registry) and also the RG, many financial institutions still request proof of income, made through paycheck, or monthly extract of the benefit received as retirement or pension.
In the simulation it is verified the maximum amount that will be available to the customer, and also the maximum number of installments and the interest rate that will be charged for contracting the loan, are generally offered in up to 48 installments, the interest rate charged may vary according to the financial institution.
Loan with Guarantee: This loan is offered to those who need a credit with a higher value, ideal for those moments of purchase of some good or even payment of debts of higher values.
The documents required to apply for the Guaranteed loan may vary depending on the financial one, which may be CPF (Individual Taxpayer Registration) documents, the RG, and also a guarantee belonging to the loan applicant, which may be immovable, cars, motorcycles, boats, jewelry and other goods.
In the guarantee, the institutions can define a percentage of the asset used as a guarantee to provide the loan, for example: a car given as a guarantee is worth R $ 50,000, and the institution offers the percentage of up to 50% of the value as a loan, that is, the customer you can apply for a loan of up to R $ 25,000. The amounts and percentage of the guarantee change depending on the institution.
The installments have a longer time for payment, some can be offered with installments of up to 240 months, depending on the amount requested with a loan. Interest rates also vary by institution.
Many financial institutions are on the internet and offer credit lines in an easy way for consumers who want and need to acquire loans on the spot .
How do they work?
Online loan loans are the same as those offered by finance companies in person, but with the convenience and tranquility of doing all the simulation and hiring over the internet.
When accessing the website of the financial institution that wants to apply for the loan on the spot , it is necessary to follow the simulation process in order to contract the desired amount.
Select the desired amount: This is the first stage of the simulation, where it is necessary to inform the maximum amount desired for the loan at the time , the amount offered varies according to the institution.
Choose the installments: Depending on the amount requested, a maximum number of installments will be shown which can be used to install the loan. Always choose the best option according to your budget.
Register: To contract the loan, you must register, inform your personal details. Through the information provided, the institution is able to carry out the credit analysis and verify the possibility of releasing the requested amount. In this part, you are also asked to provide details for depositing the loan amount, so always check that all the information provided is correct.
Sign the contract: With the credit analysis carried out by the institution's system, and in case of approval, it is necessary to sign the loan agreement requested. The subscription is also made over the internet. It is also necessary to authorize the transfer of the loan amount to your account at the bank where you have an account. The requested amounts are deposited simply and quickly, depending on the institution, they are made automatically.
Money in your account: With the simulation, contracting and target account data of the correct loan amount, the amount is credited to the account. The CPF, bank, branch and account data and account type must be informed correctly so that the credit is made at the time of account, if there is any divergent data, the credit is not made.
What are the terms and requirements for instant loans?
It depends on the institution where the credit is offered, the most common being being in the age group of 18 to 79 years old, proof of income, identity document, CPF, proof of domicile, credit history, and other requirements.
The requirements mentioned are not rules in all financials, and some of them may be required, all or added to others.
Advantages of instant loans
Simulation and facilitated contracting;Little documentation required;Transfer to the applicant's account automatically;Practical, fast and with total security, with credit in a short time after request;Simulation without the need to contract the simulated value;Settle debts with the amount transferred quickly to your account.Low interest rate and conditions facilitated according to the financial.
In what situations will instant loans be the most useful?
Bill payment: many had, at some stage in their lives, unforeseen circumstances to pay important bills, be it the portion of vehicle financing, real estate, and even bills for water, electricity, internet, telephone, or even payment of taxes IPTU or IPVA.
These accounts are very important to be up to date, so many people take out instant loans that guarantee the payment of the bills quickly, which avoids losing the services offered by them.
Unforeseen events: the instant loan is ideal for those moments when something totally unexpected happens that has caused financial losses. The most common are vehicles that have suffered some damage due to an accident or problem, in which case the owners can request the loan to resolve and quickly repair their material property, avoiding major problems.
Renovations: Those who own their own property know that renovations are always necessary, whether due to a change in decoration or serious problems in the structure of the property. The instant loan is the guarantee that renovations can be made quickly, as the loan amount is credited in a short time after the application.
How to borrow an instant loan?
To apply for a loan online and have a credit at the time you need to look for a financial company that works with this line of credit, in the market there are many options, with different conditions, from the amounts provided, number of installments, interest rate until documentation requirement.
Currently, the best way to apply for this loan is through the internet. With access made directly by your computer, it is possible to do all the simulation of the necessary amount and if there is interest in contracting the amount.
The online systems of the financial institutions that offer this credit are mostly modern and secure.
Tips when applying for a loan on time
1. Know all the options of credit and financial lines in the market, what is the interest rate practiced by each one, term and installments for payment, reduction of the installment in case of early payment, among other information that must be researched among the institutions to guarantee the best loan at the best terms.
2. Do the simulation of the desired value in more than one institution, only through simulation is it possible to have a real sense of the value of the installments and the interest rate charged in each financial.
3. Check if there is really a need to acquire the loan on the spot , despite being a credit line widely used by Brazilians, the loan on the spot also has its risks, and its hiring must be well analyzed and acquired after extensive research. and analysis of the best conditions and credits offered by the market.