With the growth of unemployment, inflation and, consequently, the purchasing power of the population, investors, financiers, companies and banking institutions are naturally more afraid to lend money because the risk of default increases at times like the one we are experiencing. If you are in need of credit, either to pay off more expensive debts, open a business of your own or for an emergency, here are some tips on smart attitudes that will help you:
Use the positive registration
Institutions usually scan the person’s past before granting a loan or not. 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 is for banks and finance companies to find out who has their accounts up to date. In it, your payment information is 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 in giving credit to you.
Have a clean name to get personal credit
In the same way that the positive registration can help you, being negative can get in the way a lot. Your data will be searched in the debtors’ records, such as the famous and feared Serasa and SPC. The results of this investigation service to decide whether the credit will be accepted or not.
Use your properties
The type of housing or the properties you own also come into the equation. Anyone who owns a large property in the front, after all, it is a guarantee that the customer will be able to obtain large amounts of money in an emergency. But if you live on rent, things do not become impossible: your history can be taken into account and, if you are a long-term tenant who does not delay payments, this can also be used in your favor.
Declare your income
One of the main criteria for releasing credit is income. It must be compatible with the amount you are requesting, otherwise the institutions will certainly not release the loan. Also, don’t lie: banks and finance companies will try to check if the income reported in the proposal is true. If you are an account holder at 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 with good purchasing power always help at this time. Bosses, directors and relatives can provide that essential strength to get personal credit.
There are some precautions that you must take to avoid getting into debt or falling into scams. First, you should check the amount of the installment that you can pay 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 overlooked by the client in this type of operation. Make loan simulations to choose the most suitable for your situation and your profile. It is also necessary to check the suitability of the finance company or bank.
Especially when personal credit goes online, you need to watch out. Observe if the site has quality and if it is well structured and if the project has an address and landlines. Check the CNPJ and search the internet for information about complaints and processes. Finally, never make deposits or anticipate cash fees before receiving personal credit. So, did you see how getting personal credit can be a lot easier?