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The consultation of the PCF may be for some synonymous with disapproval of the loan. Or, the refusal in the application of credit, as well as other bank transactions. However, for those who need money and have dirty name, is there a solution? The answer is yes! There are two "special" loan options from the Federal Savings Bank, which do not require consultation with SPC or Serasa.
See also:
How to consult your CPF in SCPC with the GuiaBolso application?
Discover 2 loans Caixa without consulting CPS and Serasa
Paid from Caixa
For consumers who have the name crooked and who need a loan, it is possible to leave their badets as "collateral " of payment. In addition to not consulting the Fund, this loan program has one of the lowest interest rates of the financial market and grants of up to R $ 100,000.
Among the badets that can be placed "in play" are: gold of at least 12 carats), watches, precious metals, pearls, among other products. The amount borrowed can reach 85% of the total value of the property. More.
The FGTS, known as FGTS, can be an ally when a loan is made when your name is on loan. CPS. Since money is already in your name on a cash account, it can be used as collateral for your loans.
The maximum loan amount can be up to 10% of that available in the FGTS and 40% of the fine in case of dismissal without just cause. The maximum amount is 50% of the value you have in the FGTS. In other words, if you have $ 20,000 in the FGTS, you can borrow up to R $ 10,000.
However, it is necessary for your company to have an active partnership with Caixa. Only in this way is possible is possible. So, first, contact your human resources company to confirm.
Are these loans worth it?
In both situations of cash loans, both for those who own badets to pledge or for FGTS to have collateral, these loans may be a good option and, in some cases, worth it, mainly to eliminate big debts. However, you must take care not to lose possession of your resources, such as a jewel, or the balance of your FGTS accounts, by accepting an advantage that can not be paid in peace. Finally
Council
Finally, if you are looking for a loan and do not want to waste time, you can consult Fintech Bom Pra Crédito. There, you can fill out a registration directly on the website, and your profile will be badyzed and directed to multiple partners, thus finding the ideal loan option.
So follow us on our social networks, like Facebook Twitter and Instagram . Finally, follow our articles on digital banking, digital credit cards, financing, loans and everything related to financial technology.
EDUARDO MENDES
I am a technology enthusiast, who also appreciates innovation, entrepreneurship, fintechs and his installations.
Graduate in Business Administration from the Federal University of Rio Grande do Sul and founder of Optclean Technology, Student Connection and Your Digital Credit.
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