When the finance press and the name becomes negative, many Brazilians find themselves in a delicate situation. However, even with restrictions on the CPF, it is still possible to find alternatives to get a loan and balance your accounts.
With this in mind, we will explore some viable options for taking out a loan even if you are in negative debt, helping you find financial solutions in difficult times.
Secured loan: a safe option
One of the options available to those who are negative is a secured loan. In this type of loan, the customer offers an asset as payment guarantee, which reduces the risk for the financial institution and increases the chances of credit approval.
Assets such as real estate, vehicles, jewelry or even cell phones can be used as collateral, allowing you to obtain lower interest rates and more favorable payment conditions.
FGTS loan: anticipation of birthday withdrawal
Another alternative for those who are negative and has a balance in the FGTS is the advance of the Birthday Withdrawal. This type of loan allows the customer to receive the value of up to 10 installments of the Birthday Withdrawal at once, without interfering with future financial planning.
Loan installments are deducted annually from the FGTS balance, offering an immediate solution for those in need of financial support.
Payroll loan: ease for different profiles
A payroll loan is an affordable option even for those who are in negative debt. In this type of loan, the value of the installments is deducted directly from the payroll or benefit received by the INSS.
As it does not present the risk of default, banks tend to offer lower interest rates and advantageous conditions, making payroll loans an interesting alternative for retirees, pensioners, public servants and formal workers.
Despite the difficulties faced by those who are negative, there are options available to obtain a loan and reorganize finances.
The secured loan, the anticipation of the FGTS Anniversary Withdrawal and the payroll loan are some of the viable alternatives for those who need financial support in times of crisis.
It is important to evaluate each option carefully, considering the conditions offered and ensuring that the loan be a sustainable solution for the current financial situation.
