#02 - Treinamento Empréstimo Consignado - Como calcular o valor liberado no Empréstimo Consignado.

Summary

This video explains the different products available in the credit consignado system, including new contracts, refinancing, portability, and payroll credit cards. It focuses on the benefits of this type of loan, especially for retirees and employees with payroll-deduction agreements. The video covers loan terms, interest rates, and repayment options, using an example of a retired person with a monthly salary of R$ 3,000 to demonstrate how much can be borrowed and how the terms affect the total repayment. It also emphasizes how credit consignado offers lower interest rates compared to regular loans, making it a more affordable option.

Takeaways

• 😀 Retirees, pensioners, public servants, and employees with payroll agreements are the primary audience for crédito consignado loans.
• 😀 Crédito consignado allows individuals to borrow up to 35% of their monthly salary, offering lower interest rates and long repayment terms (up to 84 months).
• 😀 The average interest rate for crédito consignado is around 2%, though it fluctuates over time.
• 😀 New retirees can get a loan up to R$ 42,000 without the need for credit analysis, as the bank is assured of repayment through the pension.
• 😀 The loan repayment term significantly impacts the total interest paid. Longer terms increase the total amount repaid, but also allow for lower monthly payments.
• 😀 A basic loan simulator is available in the training course to help users calculate loan amounts, interest, and repayment terms easily.
• 😀 Shorter loan terms (12 or 24 months) reduce the total loan amount but also result in lower interest paid.
• 😀 Personal loans from regular banks have higher interest rates (around 6%), and stricter approval conditions, making crédito consignado a better option for retirees and pensioners.
• 😀 Loan terms are flexible, and the client can choose a term that best suits their budget, but shorter terms may result in higher monthly payments.
• 😀 The video promotes a comprehensive training program for individuals who want to sell crédito consignado, covering calculations, margin rules, and all contract details.

Q & A

What is credit consignado?

Credit consignado is a type of loan offered to retirees, pensioners, public servants, and employees working at private companies with a credit consignado agreement. The loan is repaid through automatic deductions from the borrower’s salary or pension.

Who is eligible for credit consignado?

People eligible for credit consignado include retirees, pensioners, public servants, and employees of private companies that have agreements with specific banks to offer this type of loan.

How is the loan amount determined in credit consignado?

The loan amount is determined based on the borrower’s salary or pension. Typically, up to 35% of the salary can be used to pay for the loan installments, depending on the borrower’s available margin.

What is the maximum loan term for a new contract under credit consignado?

The maximum loan term for a new credit consignado contract is 84 months, which allows for long repayment periods, though shorter terms can be selected.

What is the average interest rate for a credit consignado loan?

The average interest rate for a credit consignado loan is about 2%, although this rate can fluctuate depending on the market conditions and the specific terms of the loan.

How do the interest rates compare between credit consignado and personal loans?

Credit consignado typically offers much lower interest rates compared to personal loans. For example, a personal loan might have an interest rate of 6%, whereas a credit consignado loan could have a rate as low as 2%.

Why is the total interest paid higher on loans with longer terms?

The total interest paid is higher on loans with longer terms because the interest compounds over time, leading to greater interest accumulation. The longer the term, the more the interest compounds, increasing the total cost of the loan.

Can the loan term be adjusted based on the borrower's preferences?

Yes, the loan term can be adjusted, but it must align with the borrower's available margin for monthly installments. For example, if a borrower wants a shorter loan term, they might need to adjust the loan amount to fit the desired installment amount.

What are the advantages of credit consignado over personal loans?

The main advantages of credit consignado over personal loans include lower interest rates, longer loan terms, and the fact that it doesn’t require a credit check or extensive personal guarantees, since the loan is repaid through salary deductions.

Is it possible to borrow a large amount with credit consignado even without a strong credit history?

Yes, it is possible to borrow a larger amount with credit consignado even without a strong credit history, because the loan is secured by the borrower’s salary or pension. The bank has a guarantee that the loan will be repaid directly from the salary deductions.