Bank is one of the largest financial institutions that makes available the credit line on the consignment . And to attract a lot more customers, the bank has created differentiated conditions for those who need cash with facilities, conventional personal loans and payroll loans . The advantages are many, regardless of the profile, function or time of banking activity. Anyone looking for financial services will always find good solutions.
To begin with, credit arrangements are available to anyone, whether or not they have an account and some kind of relationship with the institution. Thus, retirees, pensioners, as well as public employees and private companies, all benefit from negotiation flexibility.
Types of payroll loans
Those looking for financial products and services should remember that, as with all types of payroll loans , the installments are discounted in cash, in the benefit or in the counter-check, that is, when collecting a monthly payment statement such as a pay stub, the amount will have already been subtracted from its salaries by the agent or the creditor.
Incidentally, the above example leads us to stress an important detail. In order to have access to the modality, it is mandatory that the company to which the employee (of private company) provides its services has an agreement with Bank. Otherwise, nothing done. If there is, great: a good path will have been traveled.
Well, custom checks are always done. Therefore, do not forget already known documents,proof of residence, among others. An informational (or proof of) income will also be requested. The process does not stop there, no. To guard against any surprises, Bank, like any other bank, verifies if the applicant has any type of credit restriction . If there is a pending record, the credit will not be released in some cases. If everything is ok, less an obstacle to getting the loan you want .
Loan on the internet with no complications
The bank offers an option to request a loan on the internet with no complications , in addition, Bank has direct channels to make loans through Facebook, at Bank Cellular, digital channels and on mobile devices you access from anywhere in the world countless services. In general, Bank’s personal credit is pre-approved without bureaucracy, as mentioned, read the Bank loan . Another novelty is the Bank cards for payment approaching in the machines.
Bank always innovates in the market, recently launched the service without card and consult balance with Biometrics, in addition to Bank mobile payment with mobile and smartphones. Despite the enormous number of resources available, the alternative through direct telephones and the Bank portal are the most used. For those who like closer contact, the advice is to talk to the manager of your agency in person.
There is one more information that we can not leave aside, the percentage that can be compromised to pay the installments is limited by law. Explaining better: the payroll loan will only be released if the monthly payments do not exceed 30% of the monthly income of the applicant. If this is passed, the amount is not released or the amount requested has to be adequate.
Since we are talking about loan, of course, you must be asking yourself about two important details: maximum term and interest rate. So, let’s go to the data … In terms of interest, Bank has one of the lowest rates among private banks. It ranges from 0.85% to 2.10% per month. As for the time to repay the debt, it can reach up to 72 months.