With an eye on Black Friday, major Brazilian banks prepared credit opportunities to win over more customers.
The conditions are for individuals or companies and involve those who want to invest, renegotiate a debt or finance a house or car.
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Personal loan
Bradesco and Itaú are offering discounts on payroll rates for those who opt for portability this month.
For those who carry out the portability of the payroll loan, Bradesco is offering a 10% discount on the interest rate. Itaú offers a 5% discount to INSS pensioners who change their contract.
In installment plans, Itaú will have a 15% discount on the rate between the 22nd and 29th of November for those who hire the service through the bank’s digital channels.
Financing and consortium
Whoever has an eye on good conditions to buy their own home or change their car, Bradesco, Caixa and Itaú are in a better position.
At Caixa, customers who wish to enter a real estate or vehicle consortium this month will have a 34% discount on the management fee if they sign an agreement through the bank’s app and 30% when completing the negotiation at the agency. Itaú is offering a 20% discount on the administrative fee for vehicles, properties, motorcycles and heavy vehicles, such as trucks and machinery.
If your option is financing, Bradesco is offering to extend the term for payment of the first installment of the vehicle financing from 60 to 90 days. In real estate credit, there will be an increase from 80% to 90% in the financing of the property’s value, with terms of up to 30 years, for proposals made between November 1st and 30th.
Caixa points out that the customer can obtain financing for their home with interest starting at 2.95% per year.
Itaú will provide discounts of up to 20% on interest rates for individuals for vehicle financing.
debt renegotiation
Fintechs Sim and Em dia, from Santander, will be focused on opportunities for those who want to renegotiate debts.
Sim’s Trading Fair runs until November 30th, and will offer discounts of up to 80% on contract renegotiations or settlements. The customer makes a renegotiation request through the company’s service channels and receives the proposal by email within 2 days.
Em Dia will also hold the Agreements Fair until the 30th, with the participation of 20 companies that will offer discounts of up to 95% on the renegotiation or settlement of overdue accounts in the banking, university, telephony and communication, and retail segments. .
The retail recovery sector of Itaú will offer an additional discount of up to 20% on the offer that each client under negotiation already has available throughout the month of November.
Banco do Brasil also announced that customers with overdue debt will have a reduction of up to 25% in interest rates for renegotiation in cash.
Investment
Financial institutions are also looking to provide more favorable conditions for those wishing to invest. The conditions apply to both Individuals and Companies.
Itaú will end brokerage between November 22nd and 29th for variable income products on its digital channels: home broker and Itaú Corretora application and through the ion application.
Caixa offers investment in selected investment funds with a reduced initial value. An example is the minimum investment in Caixa FIC Multimercado Multigestor Global Equities, which was reduced from R$25,000 to R$1,000.
Legal person
With an eye on the Corporate segment, Bradesco and Caixa have opportunities for those who want to open an account, acquire loans for cash flow and purchase card machines.
Bradesco will reduce the fee for issuing payment slips to R$1.24 and will waive Pix transaction fees at Maquininha Cielo until the end of the year.
In addition, those who opt for the working capital loan will have 90 days to start paying and up to 72 months of term. Microcredit is also being offered with an extended grace period from 60 to 90 days and a term of up to 40 months, and corporate vehicle financing with an extended period for payment of the first installment from 60 to 90 days.
For MEI audiences, the offer is 18 months of exemption from the basket of services for accounts opened through the app from October 24th to November 30th.
The Bank of Brazil it will also offer special conditions when taking out working capital loans
Caixa corporate clients will be exempt from the annual fee on credit cards if they spend up to R$1,500 by January 31, 2022, in addition to special conditions for the acquisition of Caixa’s machine.
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