The beginning of the year is here with taxes and fees, as well as enrollment and school supplies. With this, the bills accumulate and for many the only way out is to ask for a loan. Due to the lower interest rate, the payroll loan ends up being the best option.
This is a type of loan that deducts the amount directly from the source of payment of those who have a registered job or pension from the INSS.
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The ideal in this scenario is to research your bank and other institutions to find out how much interest you would pay and how much you have available to borrow.
Banco do Brasil, Bradesco, Itaú and Santander have online tools where their customers can calculate this type of information before taking out the loan. For non-clients, it is necessary to go to an agency.
The Central Bank has an online and open simulator for everyone who wants to make this quote. you can access it on here.
To calculate the value of the installments, leave the field blank in the simulator and fill in all the others. The value will be approximate, since it does not take into account the bank’s opening rate of credit, nor the Tax on Financial Operations (IOF).
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