Every Brazilian knows how bad it is to be owed, with the dirty name in the square, right? This is why banks offer so many types of loans as a quick and practical solution including for the negated people such as the trusted negative personal loan.
But many people do not know how to apply for a loan, not even what is required to get it. With that in mind, we have put together a kind of step by step, a real checklist for you that wants to contract a personal loan for negative quickly, conveniently and securely.
Identify the purpose of applying for a reliable negative personal loan
Many people go after impulse loans, often without a real reason for need, just to buy futility. This is a wrong choice, because if you are looking for a negative loan, you are already in debt, and it sure was because you bought more than you could afford or spent on something unnecessary.
So take a look at your goal of getting a loan, first of all. Do you really need this money? Here are some situations in which you should apply for the loan:
- Health issue or surgery
- Buying a property
- Opening a business
- Buying a car
- College or courses
- Debt Settlement
- Home furniture
If it is not for any of these reasons, it is better to reflect on this decision. Wouldn’t it be better to combine money with your work anyway? Wouldn’t you be able to make a raffle, borrow money or sell something you own to cover the purchase or debt?
We always have that object or clothes standing in the closet, unused. How about doing a clean and go to a thrift store or bazaar and pass it on? So you make more room in your home and still get money you weren’t counting on.
See which bank you will be borrowing from
Another very important question of your checklist is to find out the best bank to make your loan. There are lots of picks out there, just waiting to hit the unsuspecting. So don’t just be another victim and be very knowledgeable about the banks reputation.
To find a suitable bank, you need to do a lot of research, and especially see other people’s opinion about the financial agency in question that you are considering making your long-dreamed loan out of the red and stabilize your financial life.
Luckily, here we do this search for you, brokering your relationship with the best banks and providing only reliable and secure options for you to apply for credit.
With us you will find only the best of the best and can have complete confidence in the choice you are making. But before you put the cart in front of the horses, stop and think about your options. First of all, from the analysis of your financial health. If possible cut all unnecessary spending so you can get out of the red!
Know the loan options available in the market
There are several loan options on the market, each with its own peculiarity, advantage and disadvantage, so it’s up to you to know which one best suits your financial situation. Some of the options available to you to make your request:
- Payroll loans
- Personal loan
- Online loan
- Payroll loan
- Loan for negatives
- Credit card
- Property Refinancing
- Anticipation of the 13th salary
- Advance of income tax refund
Besides, if you contribute to the INSS, you always have that PIS money you can take out annually, don’t you? With it you can carry out some of your plans, such as paying a bill or buying something you need.
Plan to repay the loan installments
Do not think that the loan will do miracles in your life alone. You need to give a little help! Get organized with a spreadsheet by forecasting all fixed expenses and all cash inflows, your income or salary. Find out how much is spent and how much you get so you can decide if a loan will be the ideal solution, and if you will be able to repay the installments on time.
Get ready, make a list of all your monthly earnings, as well as your expenses, by breaking down each one, including where you invested your money, either in a new outfit or a snack around the corner. Then do a calm and detailed analysis, see what you can dry out of your spending and where you can make the most money.
If the answer to your request is positive, place the loan installment in your fixed accounts and keep payments always on time, never missing the due date. This keeps your credibility with financial institutions and can apply for other loans whenever you need them.
If possible, it is still recommended that you forward payment of your installments. The vast majority of financial agencies have a good habit of giving generous discounts to those who honor their debts and, in addition, advance the next installments, which will make your life much more practical as you will make your money yield much more. .
Make your request
After all this, it is quite complicated not to make the right choice when applying for your negative loan. But it is worth repeating that you first need to restructure your finances in order to be able to handle your debts effectively and to be able to honor them every month.
If you have gone through all the previous steps and have finally decided to apply for a trusted negative personal loan, you can make a free simulation , filling in your basic and bank deposit details to understand your preferences.