Reliable loan simulation?! Making simulations of personal loans has never been easier in Brazil, today we have numerous websites that offer online structure for making comparisons totally online, without red tape and with few clicks. In general, the interest charged on the personal loan online varies from bank to bank, so you have to pay attention to the results.
In another post about personal loans I have listed a number of online credit companies. You will realize that each will have different interest and different conditions. It is worth remembering that the interest rates charged vary according to the customer’s profile, type and credit history. The higher the risk of default or higher interest, this happens in stores, online banks and internet banking.
Another important fact when making a loan simulation is the amount of the installment, usually it is presented clean of fees, extra costs and taxes, the standard is not to report it at first – it’s kind of a gimmick. Note that they are not always included in the simulation. These costs are incorporated later when there is confirmation or greater interest in closing the contract and financing.
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What are the fees that should be charged? When applying for or performing a loan simulation, hiring must be as transparent as possible, then disclosing all the fees that will be levied on the personal loan, such as brokerage costs charged by some companies such as Geru loans (5% ), IOF (Tax on Financial Transactions), tariffs, taxes, insurance and other expenses charged to the client. At Total Effective Cost (CET) you should report all of this.
Steps to make a reliable loan simulation? The process for online loan simulation is easy, just find the website of a company that offers the condition you need and meets the type of credit needed to solve your problems. Hiring a reliable loan online is similar in virtually all online sites.
Initially you fill in a form or make a registration available from the site, in it you inform the type, amount and how you want to repay the loan. In general the result returns in a few minutes, note if the simulation is being done together with all the costs of the operation. In the face of all the information and being agreed and approved in the analysis, what remains is to complete the request.
Not all sites can completely complete the online operation via the internet, so in some cases personal details will be requested by phone or email. If the agreement is closed, the requester will need to send the main documents, usually via download and upload or by same email.
The payment of the loan in installments is made by monthly bank accounts or in debit account. The entire process done over the internet takes a while from the beginning of the loan simulation to completion, this varies from correspondent to correspondent, depending on whether the institution can be on the same day or up to an incredible 10 days.
What care should you take in a simulation? It is important to immediately observe that the result of the simulation and a reliable loan. For personal credit or payroll loan check that it is only a statement of values or the actual value of the installments already included all costs.
Doing the simulation does not mean that your proposal will be approved. Always make loan simulations on trusted sites, with https: // security and recognized in the market. Read also: Can I trust the loan without consultation?
It remains to be said that although personal loans are a quick way out for those in need of money, it is a palliative measure, the most interesting thing is to always look for alternative forms that demand less financial cost and long term commitment of income.