#01 - Treinamento Empréstimo Consignado - O que é o Empréstimo Consignado.

Summary

This video provides an in-depth explanation of *crédito consignado* (payroll-deducted loans), highlighting how this secure loan option benefits both banks and borrowers. The script covers the basics of how the loan works, its advantages like lower interest rates and automatic repayment, and the roles of the borrower and their employer. It also explores the key factors such as the loan margin, approval process (averbação), and the different terms for public vs private sector employees. The content is aimed at training individuals entering the credit market or those working with this type of loan, providing essential knowledge for understanding the product thoroughly.

Takeaways

• 😀 Banks act as intermediaries, borrowing money from investors to lend to individuals or businesses in need of funds.
• 😀 Interest rates for loans are determined by the risk of non-repayment (inadimplência), with higher-risk loans having higher interest rates.
• 😀 Common types of credit include overdrafts (cheque especial), credit cards, personal loans, and financing for specific purchases like cars or homes.
• 😀 Crédito consignado is a unique loan type where repayments are directly deducted from the borrower's salary, reducing the risk for the bank.
• 😀 The payroll deduction system for crédito consignado ensures lower interest rates and longer repayment periods due to the higher security it offers the bank.
• 😀 Public sector employees and pensioners are considered low-risk borrowers, allowing them to access crédito consignado with more favorable terms.
• 😀 Private sector employees face higher risks of job loss, which can lead to shorter loan terms and higher interest rates for crédito consignado.
• 😀 The 'margin' is the portion of the salary that can be allocated to loan repayment, typically capped at a percentage determined by the employer's agreement with the bank.
• 😀 The process of averbação involves employer approval for the loan, confirming that salary deductions will be made and ensuring the loan’s repayment is secure.
• 😀 The training program covers all aspects of crédito consignado, including types of credit, loan assessment, and how various types of agreements (convênios) work.
• 😀 Understanding the principles of crédito consignado helps individuals navigate the credit market effectively, whether as borrowers or brokers, by grasping its key benefits and regulations.

Q & A

What is Crédito Consignado?

Crédito Consignado is a type of loan where the repayment installments are automatically deducted from the borrower's salary by their employer before the salary is paid out. It is a low-risk loan for banks due to the guaranteed payment process.

How do banks make money from loans?

Banks act as intermediaries between investors and borrowers. They provide loans to people who need money, charging interest based on the risk of the borrower defaulting. The interest rate is higher when the risk is high, and lower when the risk is low.

What are the main types of credit offered by banks?

The main types of credit offered by banks include high-risk options like credit cards and overdrafts, moderate-risk personal loans, and lower-risk loans like vehicle and home financing, where the asset itself serves as collateral.

Why does Crédito Consignado have lower interest rates than other loan types?

Crédito Consignado has lower interest rates because the payments are automatically deducted from the borrower’s salary, ensuring higher repayment security for the bank. This reduces the risk of default, allowing banks to offer lower rates.

What makes Crédito Consignado safer for banks compared to other loans?

Crédito Consignado is safer for banks because the employer directly deducts the loan repayment from the borrower’s salary before they receive their paycheck, ensuring consistent and timely repayment.

Who is eligible to apply for Crédito Consignado?

Crédito Consignado is available to employees of both private and public companies, as well as retirees and pensioners. Public sector employees and pensioners are considered lower-risk borrowers, making them more likely to receive favorable loan terms.

What is the role of the employer in the Crédito Consignado process?

The employer plays a critical role in Crédito Consignado by approving the loan and directly deducting the loan installments from the employee’s salary. This process is called 'averbação,' and it ensures that the payments are made directly to the bank.

What is 'margem' in the context of Crédito Consignado?

'Margem' refers to the percentage of the borrower’s salary that can be used to cover the loan installments. This ensures the borrower can still meet other financial obligations. For example, if the margin is 30% and the salary is R$ 2,000, the maximum loan repayment would be R$ 600.

What happens if the borrower’s salary is not enough to cover the loan repayments?

If the borrower’s salary is insufficient to cover the loan repayment, the loan will not be approved, or the loan terms will be adjusted to ensure that the repayment is within the allowable margin, which is typically capped at 30% of the salary.

What is the process for applying for Crédito Consignado?

The borrower applies for the loan through the bank, which will assess the eligibility based on factors like income and credit margin. Once the employer approves the loan and the details are verified, the loan is disbursed to the borrower. The employer then begins deducting the loan installment from the borrower’s salary.