#03 - Treinamento Empréstimo Consignado - Como calcular o saldo devedor do Empréstimo Consignado

Summary

This video explains how refinancing a 'consignado' loan works, using a practical example of a retiree who has been paying off a loan for 24 months. The speaker demonstrates how refinancing allows the borrower to extend the loan term and access additional funds ('troco') to resolve financial issues, such as unexpected expenses. By using a simulator, the video showcases how the loan balance, interest, and new payment terms are calculated. The speaker also promotes a comprehensive training program to help individuals and professionals understand the details of loans, refinancing, and banking processes.

Takeaways

• 😀 Refinancing allows borrowers to extend their loan term, reducing monthly payments without increasing the overall debt significantly.
• 😀 The initial loan example explains how a retired person took out a loan of R$ 42,500, with monthly payments of R$ 1,050 over 84 months.
• 😀 Even after paying 24 installments, most of the payments go toward interest rather than reducing the principal balance of the loan.
• 😀 Refinancing can be used to access extra funds in emergencies, like repairing a car, by extending the loan term and adding a new amount to the loan.
• 😀 The 'troco' (change) in refinancing is the difference between the new loan amount and the remaining balance, which can be used to cover urgent expenses.
• 😀 Interest rates are higher on long-term loans because of the compounded nature of the interest, which accumulates over time.
• 😀 Borrowers can use a simulator to calculate their debt balance, payments, and interest to better understand their loan situation and options.
• 😀 Refinancing doesn’t eliminate interest but restructures the loan, allowing for a more manageable repayment schedule.
• 😀 The concept of amortization is crucial, as it shows how much of each payment goes toward the loan principal versus interest.
• 😀 With refinancing, borrowers can also anticipate payments by paying off future installments earlier, reducing the amount of interest over time.
• 😀 The training program mentioned in the script offers detailed guidance on how refinancing works, including various strategies for managing loans and maximizing the benefits.

Q & A

What is the focus of this video series?

This video series focuses on explaining everything about the consignado loan, including its basic concept, the details of the new contract, and the refinanciamento (refinancing) process.

How does the consignado loan work for retirees?

For retirees, the consignado loan allows them to borrow money against 35% of their pension, with the loan payments automatically deducted by INSS and sent directly to the bank.

Why is refinancing useful in certain situations?

Refinancing is useful when a person has paid off part of their loan but needs additional funds or an extended payment term. It allows them to access a 'troco' (remaining balance) from their previous loan payments, which can help solve urgent financial needs.

What does 'troco' mean in the context of refinancing?

'Troco' refers to the difference between the amount already paid on the loan and the current balance. In refinancing, it is the extra amount the borrower can receive, based on the remaining value of the original loan.

What should be considered when deciding to refinance a loan?

When deciding to refinance, consider factors like the current loan balance, the time left on the contract, any salary increases, and the current interest rate, as these elements influence the refinancing terms and the potential 'troco' amount.

What impact does a longer loan term have on the interest rate and payments?

A longer loan term generally results in lower monthly payments, but it also increases the total interest paid due to the compounding effect over time.

Can a loan be paid off early without penalties?

Yes, according to the Brazilian Consumer Protection Code (Article 52, Clause 2), any loan can be paid off early without incurring additional interest or fees.

How does the amortization simulator help with understanding the loan?

The amortization simulator helps visualize how much of each monthly payment goes toward reducing the principal and how much covers the interest. It also shows how early payments can affect the overall loan balance and interest paid.

Why might a person opt for refinancing instead of taking out a new loan?

Refinancing might be preferred over a new loan because it can extend the term of the original loan, keeping monthly payments lower, and it may provide a 'troco' that can be used for urgent financial needs like car repairs, medical expenses, or other emergencies.

What options are available for refinancing, aside from maintaining the same loan amount?

In refinancing, one can either maintain the same loan amount, request a reduction in monthly payments, or take on a new loan with a larger amount, depending on factors like salary increases and the remaining loan balance.