With rising unemployment, inflation, and hence the purchasing power of the population, investors, financiers, companies and banks naturally become more afraid to lend money because of the risk of default increases at times like what we live. If you are in need of credit, whether to pay off more debts, start a business of your own, or for an emergency, here are some clever attitudes that will help you:
Use positive signup
Institutions usually scan the person’s past before granting or not lending. For this reason, having a name considered favorable can make all the difference and the positive registration will help a lot in this regard.
This program helps banks and lenders find out who has the bills. In it, your payment information becomes available and if you can keep it up to date, you can negotiate loans at lower rates because lenders understand that there is little risk of giving up the credit. Told you.
Have your name cleared to get personal credit
Just as positive registration can help you, getting negative can get in the way. Your data will be searched in the debtor records, such as the famous and feared Serasa and SPC. The results of this investigation will serve to decide whether the credit will be accepted or not.
Use your properties
The type of housing or properties you own also come into the equation. Whoever owns a property starts from the front, after all, it is a guarantee that the customer will be able to get big money in an emergency.
But if you live in rent, things are not impossible: your track record can be taken into account, and if you are an old tenant who does not delay payments, that too may be used in your favor.
Declare Your Income
One of the main criteria for releasing credit is income. It needs to be compatible with the amount you are requesting, otherwise the institutions will certainly not release the loan.
Also, don’t lie: banks and lenders will try to see if your income you enter in the proposal is true. If you are an account holder for that bank, even better: it will be easier to provide reliable information, especially through account movements. Your job stability, your profession and your position will also be taken into account.
Provide good personal references
Finally, personal references are still used, although less frequently than before. Good recommendations from suitable people with professional stability and good purchasing power always help at this time. Bosses, directors, and relatives can give that essential strength to getting personal credit.
There are some precautions you should not take to get into debt or fall into scams. First, you should check the amount of the installment you can afford without compromising your family budget planning.
For this, it is necessary to take into account the interest rate of the loan, which interferes in this amount and which is often forgotten by the client in this type of operation. Do loan simulations to choose the one that best fits your situation and your profile.
You also need to make sure that the financial or bank is good. Especially when your personal credit is online, you need keen eyes. Note if the site has quality and is well structured and if the business has address and landlines.
Check the CNPJ and search the internet for information on complaints and lawsuits. Finally, never make deposits or anticipate cash fees before receiving personal credit.