Loan for indebted – how does the bank verify our data?

If we decide to take a quick loan online for indebted, we should first get some important information and check whether we agree not only on the terms of financing, but also on how to verify the accuracy of the information provided by us. A loan for indebted people is a quick and easy solution for all those who do not want their data to be checked at database.

How will the bank verify the borrower’s data?

How will the bank verify the borrower

How?

The most commonly used solution is the so-called verification transfer. In practice, this means that from our bank account number we are required to transfer the bank account number specified by the lender to the specified amount. Usually, it is only 1 penny, although some banks described this sum as 1 euro. This fee is usually not refunded, but on the other hand we have to admit that it is really symbolic. In this way, the bank will see if the data appearing in the field “bank account owner” is in line with those we gave when registering on the lender’s website. That is why it is so important that we make a verification transfer from our own bank account number. If we make it from a bank account of a friend or even someone from our family, unfortunately the verification will be negative.

How?

The next verification step for a loan without database can be sending an SMS text message to the telephone number indicated by the bank. Some banks also use telephone verification. The most popular way, however, is the first, the most widely discussed by us, or verification through a bank account. It is also a convenient form for us. It is also worth knowing that the granted funding will be transferred to the bank account number from which we made the verification fee.

Data verification is a very important element of credit for indebted people, not only for a financial institution but also for us as potential borrowers and consumers at the same time. It provides security and prevents financing for an undesirable person.

Online Loan – Ask for Your Credit Here!

The Credit platform has been developed in the most secure way so that you can get your personal loan in a quiet and reliable way.

“Lenders company like us works by helping people evaluate whether hiring a loan is even the best solution, in addition to that, it also works to reduce their rates more and reduce bureaucracy.”

Credit can be seen as a decisive factor in the development of the market, allowing investment in the creation of companies and making real dream goals. However, we find interest rates in Brazil that do not make lending so attractive. In this way, the goal of the our company is to work to change that reality and help make the loans more worthwhile.

It works by helping people evaluate whether hiring a loan is even the best solution, in addition to that, it also works to reduce their fees more and reduce bureaucracy. By optimizing this whole process for you, the work is done online.

On the one hand we have the people mentioned above, the one interested in taking out a loan, on the other, we attract more investors to the cause of the Creditserra.

Is it reliable and secure?

Is Creditserra reliable and secure?

The new platform has been developed in the safest way for you to have a smooth navigation, your site is reliable and the procedures are well structured.

The activities practiced are regulated by the Bank ( resolution 3,954 / 11 ), that is, follow the guidelines indicated by the regulatory body in granting credit, bringing reliability to its clients and businesses.

Another corroborating factor to expose the credibility of our business is the realization of partnerships of renown and great reliability in the market, (an innovative bank that directs its solutions to retailers, working with the value that people are the most important and the best value within a company).

The company also counts on a partnership (reference of company in the segment of services for sustainable credit); Function Informática (company specialized in the development of loan and financing systems, active in the market for 25 years offering solutions); and 12 other reputed companies that you can check on the website . All this to offer you the best support and service in loan analysis.

How does the loan work?

How does the loan in the Creditserra work?

You can carry out the simulation of your loan online and without obligation. This process is very simple, safe and practical. Remembering that the Credisphere does not charge any fee or amount at this stage.

You will make your registration on the institution’s website, entering some information necessary for a comparison between the institutions, in order to analyze the best type of personal loan for you, comparing terms, rates and payment terms.

After analyzing and concluding which loan makes the most sense to you, it is time to submit your proposal with ID and await.

Within 2 business days after sending the proposal you will receive the response by email and SMS, saying whether your proposal was accepted or not. If so, the contract is executed – which you should carefully read, sign and send, all online.

Required Documents in the Credisphere:

Required Documents in the Credisphere:

In any proposal you need a digital copy of the ID document with updated signature and with the same personal data present in your contract. The identification documents accepted are:

  • Driver’s license;
  • Identity (RG – General Register);
  • Foreigner’s license 
  • Professional identity 
  • Military wallets;
  • Passport.

In some cases, Creditserra may also request proof of income and proof of residence, in order to increase the chances of your proposal being accepted. These documents (examples of valid documents can be checked here ) may also be attached in digital form and must contain your name and address and have been issued no later than 3 months from the date of requesting the loan.

Costs to get the personal loan

Costs to get the personal loan

At Creditserra, loans range from R $ 3,000 to R $ 15,000, and to know the value of your loan related to your profile, you need to simulate the calculations on the Creditserra website.

The amount of the installments will be fixed, which will be paid per ticket, issued directly on the Creditserra website.

Step-by-step to make loan in the Creditserra

Step-by-step to make loan in the Creditserra

Registration – Initial Data

This is a registration, with login and password that only you have access. This data is important so that Creditserra knows the rate most appropriate to your profile and tailor our proposal to you. This initially created account is totally non-committal, no amount will be charged to you.

Custom Proposal

We have adjusted the interest rate to your profile, calculated by the personalized proposal. This procedure takes you to the best loan option (considering: amounts, payment terms, tax amounts and fees) suggested for your need.

Complementary Data

After choosing the best credit offer, at this point you will prepare your loan proposal, filling in the Creditserra website all the information required by the Bank and completing your proposal.

Sending documents

You will need a copy of your current signed identity document. Ready, your proposal can already be sent for analysis and within 2 business days a response will be sent by email and SMS.

Loan release

If your proposal has been accepted, just read carefully and sign the contract digitally. The installments will be paid via ticket. See how simple it is? It’s all done digitally, without complication and very practical.

Advantages of choosing the Creditserra

The most significant advantages when comparing loan conditions for Creditserra in relation to other institutions are rates well below those applied by most financial institutions, as well as partnerships with banks and entities of renown and credibility in the market.

Another very important advantage is the ease of hiring, sending the proposal quickly and without bureaucracy, everything can be done in an online, safe and efficient way, counting with the support of the Creditserra team, made up of competent people who really understand the model of business of the company and prepare proposals for solutions to our customers.

Creditserra Analysis on the Claim here

The Credisphere does not have a reputation rate listed on the site Claim here Because it has less than 10 complaints, this is great. In fact, the Creditserra consists of only 1 complaint, related to the difficulty of the customer to contact through the chat of the company’s website. Being that can be observed in the Complaint Here the rate of 100% of the complaints response.

Requirements for Personal Loan

The requirements for borrowing from the Creditserra platform are:

  • Have a valid CPF;
  • Be between 21 and 65 years old;
  • Hold a checking or savings account;
  • Possess personal use email;
  • Own active personal cell phone.

It is important to remember that you have to have the information of your identification document and the zip codes of residential and commercial addresses.

Information on interest rate and extra costs

As our process is 100% online, costs and interest rates are decreasing considerably compared to those charged on loans made in person at other financial institutions.

The interest rate will depend on the analysis of the credit profile of each client, and may vary from 3.4% per month to 8.9% per month. In addition to the interest, there are the following additional charges: IOF (Tax on Credit Operations, Exchange and Insurance) – it will already be estimated in your personalized proposal, and the Rate of your loan.

The Official Loan: The Credit When One Is Civil Servant

Are you an official and want to buy real estate or finance the education of your children? Bet on the loan official, this financing solution that allows you to carry out your projects without having to save many years.

Indeed, you have a great job stability, but the evolution is quite slow and you can not expect to get big salaries. This form of official credit has been designed to fit your professional situation and your personal needs.

An official loan for job security

An official loan for job security

Before granting you credit, financial institutions will check your employment situation and use it as a guarantee. With the loan officer, this point is settled in advance with the security of the job and you therefore have every chance of obtaining this funding.

However, a debt threshold must always be respected and if you need a loan that exceeds this rate, you must ask for help from the organizations set up to support you in the research loans officials preferential or customized.

Finally, our site allows you to find the best consumer loan and make a simulation however, we found that many Belgians read this article and to contact us to know if we also offer credit for Belgians, this is unfortunately not the case, but we can only warmly recommend to the Belgian to make a credit simulation on pret-simulation.be.

Who are the organizations that offer the loan?

Who are the organizations that offer the loan?

The CSF

The Social Credit of the Public Servants is an association created in 1955 to support the civil servants requiring a solution of guarantee within the framework of obtaining a loan civil servant. Since then, this mutual guarantee system has helped more than 2 million public servants by playing the role of a broker who negotiates with banks to find the best source of funding to meet the demands of its members.

To be able to offer loans to officials who have already been refused by the other banks, the CSF works in collaboration with four entities that are credit, CSF Assurances, Progretis and the CSF foundation.

The BFM

The Banque Française Mutualiste has been in existence for more than 25 years to help public sector employees. It offers the latter an official loan at attractive tariff conditions to enable them to finance their projects.

Indeed, the BFM works in partnership with Society general to offer you preferential loans and insurance at lower cost, as well as savings solutions and bonds in the context of a mortgage.

The different types of official loan

The different types of official loan

To better meet your needs, the official loan is available in several forms, the most sought after are:

The real estate credit official

When intended for the construction or purchase of a new or old house, the official loan is the equivalent of 1% housing loan in the private sector. Granted in France, this loan will not require any application fee or mortgage guarantee for a repayment period of 10 to 15 years.

To calculate the official loan amount, the geographical location and the number of rooms in the dwelling will be taken into account.

The personal loan official

This employee loan is defined as a personal loan where you will not have to provide proof of use of funds. Depending on your financial situation and the criteria for calculating your financial institution, the amount you can borrow is between 3,000 to 20,000 euros for a repayment period of between 12 and 72 months.

In your employee loan agreement, you will know everything about your credit, because the amount of the monthly payment is fixed according to the repayment plan.

The car loan official

Another official loan formula, the car loan subscribed by a public sector agent will be used to acquire a vehicle, with the presence of proof of purchase. Here, the amount is 3,000 to 60,000 euros, for a repayment period of 12 to 72 months.

As for the repayment plan, it is fixed in advance and the amount of the monthly payments will be the same throughout the life of the loan.

The renewable official loan

Compared to the traditional amortizable government loan, the revolving government loan will be granted in exchange for a fairly high rate, with a repayment term that will be defined according to the cost of the monthly payments that you will repay.

The official credit redemption

When you can no longer manage all of your public loans, you will be able to redeem credit. This will help you consolidate your outstanding credits into one loan to reduce the cost of the monthly payment and allow you to improve your budget.

Beneficiaries of the official loan

Beneficiaries of the official loan

By definition, the official loan would only be granted to persons working in the public sector. But regulations vary from one financial institution to another, and you can access this source of funding if you are a public servant, contract or trainee in a state, territorial, hospital or military public service. Loan offers are also granted to children and spouses of civil servants, employees of public establishments and elected officials (local, national, European). And if you have a private law contract but work in a company with state participation, you also meet the requirements for the granting of a civil servant loan.

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