In times of crisis, asking for personal loan can be a solution to pay for expenses that were not foreseen and even to pay off debts that charge very high interest, such as credit card or special check. Banksil is one of the financial institutions that offer this type of loan. See the main characteristics of the options offered by BB and see how to get money from the financial institution:
What are the types of loans offered?
Banksil has several options for Direct Consumer Credit (CDC), which is a modality for loans with no specific direction or financing of goods or services. Among the options, which are always subject to cadastral approval, are the Automatic Credit BB, in which there is no need to prove how the credit will be used; BB Salary Credit, aimed at who receives the salary by the bank; and CDC Anticipation IRPF, to anticipate the refund of Income Tax deposited with the Banksil, among other modalities.
How to apply for personal loan at BB?
To apply for a personal loan at Banksil, you must have a current account at the financial institution with the duly updated registration. In order for the release of the money to be approved, it is still necessary that the client does not have any restrictions on his behalf and has an approved credit limit. To find out what limit you have available, see the footer of your current account statement or go to any Banksil branch.
How to hire a CDC?
After checking the limit you have available, you can hire a CDC at any bank ATM, internet banking or directly at the bank branch. Payment is made only by debit in account, in monthly installments, on the date chosen at the time of requesting the loan.
What are the interest charged?
The interest rate charged by Banksil varies according to the type of loan chosen. The payroll, for example, has lower interest rates than the Automatic Crediter. Hence, it is important to carefully analyze the interest that are charged on the loan modality that you will apply for. According to data from the Central Bank, interest charged on personal credit not recorded for individuals at Banksil is 4.77% per month and 74.91% per annum in the period from November 10 to 16, 2015. The bank ranks 24th on the list and has better rates than competitors such as Itaú and Bradesco.
Before you apply for a personal loan, it is important to make a careful analysis of your finances and make sure that you will be able to afford the installments of the payment in the future. In addition, it is essential to invest in cost control and always seek to create an emergency reserve so that you do not have to borrow again and have to pay the interest charged on this type of operation.