How do get a personal loan or credit?

You have to do personal loan with serious financial institutions and credible, flee from third parties or independent intermediaries

In others, they want to make a personal loan  to invest in a new project or an entrepreneurial business, buy a house, a car. "Making loan", personal loans or funding may be valid and a great deal if you take some precautions searching administrative fees and interest rates charged by "banks and financial", make sure the installments are fixed and if there is adjustment which applied index not to have surprises.

Always try to make loans to financial institutions serious and credible, flee from third parties or independent intermediaries.

How to get a loan

I want to make a personal loan, and now what do I do? It may seem difficult to obtain credit, but to be able to make the loan  desired, in many cases just talk to your bank manager and check the possibility of the realization of the credit.

If possible, it will assess the amount to be made ​​available, which the interest that will be applied depending on your customer profile and how many installments the loan will be paid. If in your case you already have "pre-approved credit", make a loan simulation by internet  or phone to find out if it's worth making the loan at that time.

To get a loan is actually quite simple, you can find various kinds:

Making payroll loan

The mode serves the retired, pensioners and civil servants and private companies ... Personal Loans: Meets self-employed, professionals, employees, taxi drivers, retired INSS and private ... Financing: generally used to purchase vehicles, durable goods, home ...

Whatever reason forum for you to get a loan , keep in mind that the need to speak louder than the desire, and the loan will fit right into your budget.

 

How to get a loan from BNDES for my company?

 

There are many possibilities and variables that influence differently in the answer to this question. Criteria such as the size of the business, the disposable income and the type of credit you want to achieve are factors that diversify the process

Get credit to expand business is a common desire to many entrepreneurs and the BNDES - National Bank for Economic and Social Development - can be a good alternative. It is a federal public institution that works just as long-term financing instrument for investments in various economic sectors.

In order to encourage business in Brazil, the bank invests in the creation and expansion of companies in the country. What to do then to get there a loan for your business? There are many possibilities and variables that influence differently in the answer to this question. Criteria such as the size of the business, the disposable income and the type of credit you want to achieve are factors that diversify the process.

There are several programs to businesses at different stages. Visit the BNDES site can be the first step for options available. On the "Programs and Funds" the site lists all the ways to get support, according to the line, income, objective and enterprise sector.

The entrepreneur can also look for lines of credit according to each area of the institution (http://www.bndes.gov.br/SiteBNDES/bndes/bndes_pt/Areas_de_Atuacao/index.html ), aligning with its own. The main ones are: Agriculture, Commerce, Services and Tourism, Culture, Social and Urban Development, Export and International Insertion, Industry, Infrastructure, Innovation, Environment and Capital Markets.

To facilitate the process for the entrepreneur, the site offers a tool called More BNDES (http://www.bndes.gov.br/SiteBNDES/bndes/bndes_pt/Orientador/index.html) . In this area, the applicant provides data on its location, whether it is individual, business or part of the public administration etc. It's like a questionnaire that ultimately determines which type of loan best fits with the reality of who is trying to get the loan. Through this guidance document, which is divided into profile, sector of activity, purpose and support result, you can get an idea of what kind of loan should be the goal of the entrepreneur.

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Guidance

In addition to these facilities, the BNDES held lectures in several Brazilian cities, within the "BNDES Closer to You" initiative. These meetings provide opportunities for interaction between the bank representative and entrepreneurs interested in receiving investment, facilitating clarification and to resolve any doubts that may exist with respect to the process. The calendar with the dates of the seminars and lectures of this initiative can be found on the website (http://www.bndes.gov.br/SiteBNDES/bndes/bndes_pt/Institucional/Agenda_de_Eventos/index.html ).

In addition, the BNDES advises that any entrepreneur interested in getting a loan seek the bank or a representative of the institution in your city. This representative will be able to analyze the situation from their expertise, advising the entrepreneur the best way.

credit:

http://acsstudentloans.org/

 

GUIDANCE TO CREDIT

GUIDANCE TO CREDIT 

Step by step to get credit

1. Identify the Need for Credit

Having clear what amount of funding and what is the purpose of the intended use (machinery, equipment, purchase raw materials, increased physical structure, etc.).

2. Information Search and Select Financial Institution

Seek information on the financing lines that best fit the credit needs identified in Step 1 and which financial institutions operate with such lines. Do not forget: The conditions (cost, time, limits, etc.) can vary greatly from bank to bank.

3. Analyze the Restriction Factors

It is crucial to be with all restriction factors (legal situation, guarantees, equity, etc.) appropriate to the needs of financial institutions.

4. Develop the Business Plan

You will need to show the bank that this project is financially viable. The best tool for doing this is the Business Plan. Do not forget: Some financial institutions request that the project feasibility study is carried out with a tool of the institution.

5. Make the Request for Funding

You must go to the financial institution and submit to the Corporate Manager required documentation *, the required guarantees and the business plan, showing the feasibility of the project. After these procedures the financial institution will review the project and returns confirming the release or restriction on funding.

TIPS

• Prioritize finance machinery and equipment, preserving own resources for working capital. On the lines of financing for fixed investment limits are higher, costs are lower, the payment terms are longer and guarantees are facilitated.
• A good relationship history with the financial institution influences positively. Look to contact the bank where you are already a customer and assess the conditions offered. Of course, be sure to investigate other options.
• The bank wants to run the least possible risk. Therefore, it is essential prepare a study with market analysis, product, operations and finance, showing the feasibility of the project and its ability to pay.