November 27, 2019 admin

  A consumer credit application breaks down into several stages. The first is to identify where to file an application to receive a favorable opinion, while ensuring the best APR rate. We will see that the use of a credit comparator greatly facilitates the process. This article does not deal with the question of applying for a mortgage, which is much more tedious The stages of a consumer credit application Consumer credit refers to any non-real estate loan for an amount greater than 200 USD and / or reimbursed in more than 90 days. All projects are affected, from personal…

October 28, 2019 admin

A loan security is a guarantee to the issuer that the loan will be reimbursed in full, with interest, and that the borrower will not default. The guarantee can be, for example, your own apartment, a summer cottage, or even a piece of land you own. Deposits and securities are also eligible as collateral and, of course, an alternative is to use a guarantor. The guarantor is the person who can guarantee that the applicant will pay off his debt or, if he is unable to do so, the guarantor has a duty to pay it. Thus, the guarantor must…

June 2, 2019 admin

  Payroll-deductible loans are undoubtedly the type of loan for individuals with the lowest interest rate applied in the country. The great advantage aside from the interest rate are the facilities like the discount of the installments, in the consigned the repayment of the capital loaned together with the interest is done directly in the proceeds, salary, counter-check or benefit of the borrower.  With the loan being discounted direct payroll, the debtor need not be worried about the discharge, with delays, fines or the like, the paycheck on the payroll is what guarantees the bank the return of the money…

May 30, 2019 admin

If you are in debt or going red learn how to get out of debt without insane sacrifices but having control of all finances. Read the article … Getting out of debt with little money seems like the dream of every person seeking to find a way to balance their finances . Although we know that some types of debt, such as a mortgage on the property you live in, can help build wealth over time when wisely administered, being deeply in debt can be stressful and discouraging. Fortunately, it is possible for all people to get out of the…

May 22, 2019 admin

30 Mar How can you invest your credit money?   Once you have a credit, you have to make a very important decision: in what to invest that money? Remember that the future of your business depends on this decision, badly invested capital can lead to failure. We understand that it is difficult to make this decision, so here we suggest some options that we know are essential for your growth and others based on the experiences of our clients who applied for a loan and successfully invested their money to grow their business. To capitalize a particular project If…

May 4, 2019 admin

21 Mar Myths and realities about the credit bureau   The Credit Bureau is a subject surrounded by rumors that are mostly incorrect. Therefore, in Konfío we decided to clarify the myths related to this institution so that you stop thinking it is a “black list” and start using your credit history for your benefit. If I have a bad rating in the Bureau, I can not request a loan again Having a bad rating in the Bureau could influence the decision of a bank to grant you a loan, however you can still access some credits. There are financial…

April 12, 2019 admin

  How to choose the best application for my money? What are the factors for me to choose the best investment available in the market? Want to find out the best deal to invest my money? All these questions permeate the head of those who have money to invest but have doubts about how and where to do. Is there a better application to invest your money? Last year it was revealed that four out of ten Brazilians bet on financial investments, according to a study by the National Confederation of Shopkeepers (CNDL). The same survey also showed that half…

April 8, 2019 admin

  How to stabilize your finances and create business credit history   A simple way to stabilize your finances and create a credit history for your business is to reorganize your debt. More than half of entrepreneurs and business owners use personal loans or credit cards to finance business projects, which causes a disorganization of their finances. But how can you reorganize your debt? There are different institutions that are responsible for liquidating them. However, if you do not choose a correct restructuring, you will become a momentary lifesaver of your finances. At Konfío we have created a financial instrument…