#4: CALCULANDO O VALOR LIBERADO

Summary

This video explains how to calculate credit loan amounts and installments for consignado credit, using key details like loan amount, term, interest rate, and installment amount. Rayane Silva walks viewers through different calculation methods: using coefficient tables, spreadsheets, and the 'Calculadora do Cidadão' tool. She also touches on how refinancing works, explaining how to factor in the outstanding debt (saldo devedor). The video provides practical tips for both new loans and refinancing, helping users understand these financial processes and improve their sales in credit lending.

Takeaways

• 😀 Understanding key factors in loan calculations: loan amount, repayment period, interest rate, and installment amount.
• 😀 The importance of these four factors in determining the loan value or monthly installment.
• 😀 Banks often use maximum interest rates and repayment terms, adjusting either the loan amount or installment value.
• 😀 Loan calculations can be done using coefficients based on predefined tables, commonly used before digital tools.
• 😀 Example calculation: to calculate the installment for a loan, multiply the loan amount by the coefficient of the chosen term.
• 😀 If the client asks for a specific monthly installment amount, divide that by the coefficient to determine the loan amount.
• 😀 You can also use a downloadable spreadsheet to automatically calculate loan values based on interest rate, term, and installment.
• 😀 The 'Calculadora do Cidadão' (Citizen Calculator) is another tool to calculate financed loan amounts based on parameters like term, interest rate, and installment.
• 😀 An example using the Citizen Calculator shows how to calculate the financed amount based on a fixed installment and interest rate.
• 😀 For refinancing or portability, the process is similar, but you need to account for the remaining loan balance and subtract it from the new loan value to find the remaining amount available to the client.

Q & A

What are the four basic pieces of information required for calculating a loan?

The four basic pieces of information required are: the loan amount, the repayment term, the interest rate, and the monthly installment.

How does the value of the installment affect the loan calculation?

The value of the installment is one of the key factors in determining the loan amount. By adjusting the installment value, the amount of money that can be borrowed changes accordingly.

What is a common approach used by banks when offering loans?

Banks commonly work with the maximum interest rate and the longest repayment term available. The main variable that changes is either the loan amount or the monthly installment.

How does the 'coefficient' method work in loan calculation?

The coefficient method involves multiplying the loan amount by a specific coefficient based on the loan's term. The coefficient is found in a table provided by the bank, and this gives the monthly installment.

What is an example of how to use the coefficient table for loan calculation?

If a client wants a loan of R$ 10,000 and the coefficient for the term is 0.02352, multiplying 10,000 by the coefficient gives a monthly installment of R$ 235.

What happens if a client requests a loan with a specific installment amount?

If a client asks for a loan with a specific installment amount, you can divide the installment by the coefficient to calculate the loan amount. For example, if the installment is R$ 200 and the coefficient is 0.02352, the loan amount would be approximately R$ 8,503.

What tools can be used for loan calculations besides the coefficient table?

Other tools that can be used for loan calculations include spreadsheets, the 'Calculadora do Cidadão' (Citizens' Calculator), and systems available at the bank.

How does the 'Calculadora do Cidadão' work for loan calculations?

The 'Calculadora do Cidadão' allows you to input three pieces of information: the loan term, interest rate, and monthly installment. The tool will then calculate the loan amount. For example, with a 84-month term, an interest rate of 2.18%, and a monthly installment of R$ 200, the loan amount would be R$ 7,675.

What is the advantage of using the 'Calculadora do Cidadão' for loan calculations?

The advantage of using the 'Calculadora do Cidadão' is that it simplifies the loan calculation process, especially when the user doesn't have a full breakdown of the loan amount but knows other details like the term, rate, and installment.

How is refinancing or porting a loan different from a new loan?

Refinancing or porting a loan involves similar calculations to a new loan, but it also takes into account the outstanding balance (saldo devedor) from the previous loan. The remaining balance is subtracted from the new loan amount to determine how much the client will receive as the 'remaining value.'