GUIDANCE TO CREDIT Guarantees

GUIDANCE TO CREDIT Guarantees 

Collateral is an asset, a negotiable instrument, a contract, a bond or a guarantee that the bank requires to design a credit with less risk.

Real and personal guarantees

Every Financial Institution, aiming run less risk, prompts some (s) guarantee (s) to grant credit.The guarantees required by most financial institutions are divided into two major groups: real and personal guarantees.

• Collateral: Those in which the fulfillment of a certain obligation is secured by means of movable property. The modalities of guarantees are the Pledge, the Mortgage and the antichresis
• Guarantees personal guarantees: Are those given by people and not for goods. In the case of non-compliance with certain obligations, to satisfy the debt will be guaranteed by a third person other than the debtor. The arrangements for personal guarantees are the Aval and Bail.

Sureties funds

FAMPE

Its purpose complement the guarantees required by financial institutions, leaving the entrepreneur to present only guarantees for the portion of the financing not covered by FAMPE.

• Limit: up to 80% of the financed amount, limited to R $ 130,000.00 (Fixed Investment and Fixed Investment in Associated Working Capital), R $ 60,000.00 (Pure working capital) and R $ 300,000.00 (Export Phase Pre-Shipment).
• Destinations: New Deployment Projects, Fixed Investment Fixed Investment Associate with working capital, Pure working capital and production and marketing of goods for the external market.
• Aval of Concession Fee (TCA): 0.1% x no. x amount of months of warranty.
• Convening Financial institutions in Rio Grande do Sul: the Bank of Brazil, Caixa Economica Federal, Box / RS and BRDE.

FGO - Guarantee Fund Operations

It aims to ensure the micro operations, small and medium-sized corporate borrowers working capital loans and investment.

• Limit: up to 80% of the financed amount, limited to R $ 500,000.00 (Fixed Investment and Fixed Investment in Associated Working Capital) and R $ 150,000.00 (Pure working capital).
• Destinations: Fixed Investment Fixed Investment Associate with working capital and Pure working capital.
• Guarantee Concession Commission (GCC): 0.2% x no. months x value Assurance
• Fund operated only by the Bank of Brazil .

Credit guarantors

Garantiserra

The Garantiserra is the pioneer project in the country of Credit Guarantor Society, which aims to ensure the credit operations of micro and small enterprises through the Guarantee Letters of release, enabling these companies will get better rates and terms in operations credit held with the partner banks.

• Practice Areas: Region of Serra Gaucha
• Limit: ensures up to 80% of the operation
• Secured loans: Fixed Investment Fixed Investment Associate with working capital and Pure working capital.
• Financial institutions Conveniadas: Bank of Brazil, BRDE, Box / RS, Sicredi and NBC Bank.
• Contact: Ricardo Cavinato (54) 3021.0400