How to Make Loans – Area of Expertise

 

 

 

 

Active in the local market since 1982, Santander Brasil is the third largest private bank in the National Financial System. The institution is present in all regions of the country through a broad structure. In this article, we will show you the various loan alternatives available to the bank.

You can also choose one of these options:

Go directly to the Santander website Use our loan simulator

 

Personal credit

 

Personal credit

Benefits

  • Payment in up to 60 months
  • You can choose the best date for debit of the installments, and you can choose the date of receipt of your salary
  • After hiring, the credit is released directly into your checking account and the installment values ​​are automatically debited on the date you choose

Costs

  • In the operation there is an interest rate and IOF (Tax on Financial Transactions) and there are no fees.
  • To know beforehand the Total Effective Cost (CET) and the annual effective interest rate of your operation, consult your manager or call the Santander Service Center.

Conditions

  • Subject to credit analysis and approval. The conditions informed can be changed at any time.
  • The maximum term for payment of the first installment is included in the total term of the operation and may vary according to the contracting channel of your loan.

How to hire

Through Internet Banking, the Santander Call Center, ATMs and branches.

Quick Credit

Quick Credit

 

Fast Credit is for you who receives your salary from Banco Santander. It enables you to anticipate various types of credit, such as salary, salary bonuses, or vacations. Quickly and securely you receive the credit you want to anticipate in your checking account and the payment is made in a single installment.

Benefits

  • Quick release.
  • Current account credit.
  • Debit payment of the installments carried out directly into your account.

Costs

In the operation there is interest and IOF interest and there are no fees.

Conditions

Subject to credit analysis and approval. The conditions informed can be changed at any time.

How to hire

Only in agencies.

 

 

 

Continuing Education Credit

 

Continuing Education Credit is a line of credit that offers several conditions for you to finance postgraduate and MBA courses at institutions that have agreements with Santander.

Benefits

  • Funding up to 100% of the course fee.
  • Payment terms of up to 36 months.
  • Plots debited directly to your account on the date you prefer.

Costs

In the operation there is interest and IOF interest and there are no fees.

Conditions

  • Subject to credit analysis and approval. The conditions informed can be changed at any time.
  • The product is only intended for postgraduate and national MBA funding.

How to hire

Only in agencies.

 Be careful when you get a loan from Santander! There the interest rate is almost 5% a month

 

 

 

 

Credi University

 

Credi University

Credi-University offers up to R $ 2,000 for you to finance the purchase of school materials, books, computers and pay for extra expenses that arise during the school year.

Benefits

Differentiated conditions and up to 36 months to pay.

Costs

In the operation there is interest and IOF interest and there are no fees.

Conditions

  • Subject to credit analysis and approval. The conditions informed can be changed at any time.
  • Product intended for university clients who prove this condition at the time of hiring.

How to hire

Through Internet Banking, the Santander Call Center, ATMs and branches.

 

 

Renewed Credit

 

Renewed Credit

Renewed Credit allows you to unify your current Personal Credit agreements into a new operation and still provides an additional amount to carry out your plans or reorganize the budget.

Benefits

  • Deadline for payment: from 24 months.
  • You can choose the best date for debit installments.
  • After hiring your Personal Credit agreements are automatically settled and additional credit released into your checking account.

Costs

In the operation there is interest and IOF interest and there are no fees.

Conditions

  • Subject to credit analysis and approval. The conditions informed can be changed at any time.
  • The maximum term for payment of the 1st installment is included in the total term of the operation and may vary according to the contracting channel of the operation.
  • Loan available to account holders who have operations that can be renewed.

How to hire

Through Internet Banking, the Santander Call Center, ATMs and branches.

 

 

Property as guarantee

Property as guarantee

If you have a property cleared to offer as collateral, you can have access to a personal loan with differentiated conditions.

Benefits

  • Credit from R $ 30 thousand to R $ 2 million, limited to 60% of the value of the property;
  • Free use of money;
  • Low interest rates;
  • Up to 15 years to pay;
  • Plots that fit in your pocket, fixed from start to finish;
  • Possibility of including the expenses of IOF Credit and Guarantee Assessment Fee in the value of the credit;
  • Income composition with one more person;
  • You may use as collateral a residential or commercial property taken from a third party.
  • You can choose a month of the year when you have the highest concentration of expenses, for example, to pay only the administrative fees and insurance premiums. If you make this option, the other interest and amortization amounts will be included in the debit balance.

Costs

  • In the operation there is interest and IOF interest and there are no fees.
  • Assessment Fee of the Guarantee: it is paid to cover the costs with the evaluation of the property;
  • Contract record.

Conditions

MIP (Death and Permanent Disability) coverage: protects you and your family in the event of death and total permanent disability, with coverage of the balance due on the loan, according to the rules set forth in your contract and policy.

DFI (Physical Damage to Property) coverage: protects your property against fire and other events of external cause, as provided in the general insurance conditions.

Real estate that can not be pledged as collateral

  • Made of wood or prefabricated system;
  • Located in non-urbanized areas;
  • That they are under construction or renovation;
  • Land;
  • Real estate in inventory process;
  • Located in areas classified as Risk by Civil Defense;
  • Located in areas of irregular occupation (have certificate of land use);
  • Real estate not approved in the evaluation of documents or physics.

How to hire

Step 1 – Credit Analysis : To start contracting the loan, it is necessary to evaluate the loan with the amount that you can hire. To do this, you must complete and submit the credit proposal form and documents regarding your income.

2nd stage – Technical Analysis of the Operation : In this stage, the property will be inspected by an accredited engineer of Santander and analysis of documents (see the complete list on the Santander website).

Step 3 – Signing of contract : After the technical analysis of the documentation, the contract will be issued and Santander will contact you to sign it

It is then necessary to take the contract for registration in the Registry of Real Estate and return it registered along with the updated registration of the property, containing the guarantee in favor of Santander.

At the moment that Santander receives its registered agreement with the registration of the updated property, the value of the credit will be deposited in its current account.