Emprestimo de Dinheiro

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Introduction

In this work was addressed the topic of money lending. If someone from your family is
having health problems, if your car breaks, if you are suddenly fired and you do not have an
emergency reservation to help at this time of financial turmoil, get borrowed money can
really become essential. The good news is that it is possible to have access to this required
amount in a safe way. But to prevent the debt from becoming a snowball, you must choose
a resource that can pay later and take some care when you take money borrowed.

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what is loan?
A loan is an agreement signed between people and institutions for one of the parties to use
for a given period something offered by the other party.
The term loan is popularly known as a “contract” whereby one person gives another person
an object, which must be returned to the first within a certain market period. It is common
to use the term “loan” to designate other operations, such as financing and credit.
For example, in the case of a financial loan, the individual or legal person seeks a financial
institution to request an amount, which will be returned, with interest, after a while.

Types of money lending


There are some possible paths to get the money borrow without risking or paying high
interest. Check out, below, six types of loans:
1. Loan consigned.
loan consigned is aimed at civil servants and private business, as well as for INSS
beneficiaries. In this type of cash loan, value of the monthly portion is discounted
directly from the payroll. This mode of credit has low rates, as it uses salary yield as a
guarantee of the operation.
2. Personal loan
The personal loan is intended only to the individual and is usually used to request small
values, to be paid in a few months. The process to get borrowed money is usually fast
for not involving many procedures and requirements. If approved, the value is released
into the current account in a few days.
3. Warranty Loan
Warranty Loan offers payment terms outside the market average. Interest is lower and
deadlines are longer. This occurs because when putting a good as a guarantee of
discharge of a cash loan the risk of default decreases. Thus, the interest rates of this
modality are among the most advantageous in the market.
4. Anticipation of the 13th
in this situation, you immediately receive the thirteenth salary of banks, but interest is
not charged. That is, it functions as a loan. However, the amount will vary according to
the rules of each bank – generally the limit revolves around 80% of the total.

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5. Anticipation of Income Tax
You can also request an advance of income tax refund. For this, there is a type of loan
in the bank, which usually has low rates. Many calls for the purpose of exchanging a
debt with high interest to a cheaper. For example, it is a chance to get money borrowed
to get rid of the special check and rotary card.
6. Friends or family
Can be more complicated to borrow money for people close to you than in a financial
institution. Often, it becomes an embarrassing situation for anyone who is asking for it
to lend.

Care at the time of picking money borrowed.


Therefore, check out some tips to get money borrowed safely, without falling into traps.

1. Look for an institution of trust

In the past, who needed borrowing money or traditional banks or moneylenders, individuals
who lend money and charge high interest by the operation. Where to find borrowed money
was therefore not a very simple question resolve, as banking products also pass on large
costs for the customer.

2. Attention to the contract of money loan

After you've researched and chose the institution with which you will go borrow money, it's
a lot important to carefully read money loan agreement. Beware of the “small print”, check
the Total Effective Cost of operation, and a lot of attention to the fees applied to your loan,
not to suffer from abusive interest rates and end up getting more in debt.

3. Calculate installments that fit in your pocket

Often, in urgent borrow money, the people accept the first proposal that they receive.
search a lot before to close your contract and make a meticulous calculation of your life
finance, to find out how much your income is possible to compromise monthly to pay the
loan.

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Conclusion
The research completed was concluded that to make the best loan choice, we need to know
the conditions of the loan, as its interest and term for payment. It is also fundamental to
compare rates and payment conditions in general to avoid paying expensive installments
with abusive interest. Often, a mode looks attractive by the ease with which you get the
money, but you end up contracting a debt with exorbitant benefits.

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