Personal Loan is with Financial Solutions

Consider the following tips for you to get it with ease

Take care of your credit history , do not let your bills be late, and never compromise more than you can afford. A good credit history will be proof of your ethics and commitment. If you use the credit you are granted consciously, you will easily get the loan you want. Failing to honor with a loan can be disastrous in your financial life because you will lose access to important credit tools, in some cases up to the limit your credit card can be compromised.

Always keep a savings account

It is very important to keep a lump sum for emergencies, we are often forced to take out personal loans on account of contingencies and we end up taking the first offer without taking the time to account and research for better rates. When you save part of your income it is much harder to get caught up in misfortunes, when there is an emergency savings leftover time to properly plan and, if it is the case of acquiring a loan, you do so by planning ahead.

Provide only actual information

Make sure that the information you provide to the bank is truthful and accurate. Take note that banks can ask lots of questions, especially about the information you put into your personal data. Any inconsistency can be made against you. So be careful not to provide false information especially about your income, employment, and finances.

Research and plan before taking out a loan

When it comes to taking out a personal loan you need to be realistic and make plans within your financial reality. No bank will grant you a loan whose installments go beyond your financial capacity, ideally never to commit more than 30% of your income with loans and financing.

Carefully analyze the offer that the bank offers you, not always the first offer is the most advantageous. Each bank has its credit policy and different parameters, so it is always best to seek the financing that suits you best.

Make a personal loan simulation with one of our representatives, with no commitment, and 100% reliable. One of our experts will be willing to see the best option for you.

Loan with guarantee: how it works and what the advantages

Many people look for loans, either to pay off debts or realize a dream. One of the most sought after modalities is secured loan. However, it still raises doubts and fears for the customer. In this article we will explain what it is, how it works and what advantages and conditions you need to have to acquire a credit like this.

What is secured loan?

loan with guarantee

Although still little known, the loan with guarantee has been growing in Brazil. In this modality, as the name suggests, the applicant delivers some good to the financial institution, such as a real estate or car, as a guarantee that the loan will be paid. But do not worry, your good will continue with you, the only difference is that it will be in the name of the institution that lent you the money until the full payment of the loan.
Thus, if the client does not comply with the payment of the loan, the asset in question may be taken by the institution. In this way, the lender is guaranteed payment and is able to offer lower interest rates when compared to other types of loans.
The secured loan can be very attractive, but there are some conditions that should be considered as it is not suitable for all types of people. As there is a risk of losing the property or vehicle in case of non-compliance with the agreement, it is interesting to evaluate the risk and only request the loan if you are sure that you will be able to pay all the installments.
There are two types of secured loan: loan with property guarantee and loan with vehicle guarantee. Check below the conditions of each **:

Loan with Property as guarantee

Loan with Property as guarantee

Secured home loan can be a good option for those who need a higher amount of credit, longer term and low interest rates.
By giving the property as collateral, a third party company will evaluate its value. The maximum limit of the loan is 60% of the total value of the property. This rule exists to protect banks from defaulting, and applicants for a loan they can not afford.

Automobile loan as collateral

Automobile loan as collateral

In the loan with guarantee of vehicle, car or motorcycle come as guarantee of payment. In this case, the vehicle must be in the name of the borrower and must be removed.
The loan amount is around 50% to 90% of the value of the vehicle, depending on the financial institution. With younger vehicles you usually get lower interest rates. You should also be aware of the year of the vehicle, as some institutions do not accept cars older than ten years. And just like the house, the vehicle will also undergo a survey to assess the value and if it is within the institution’s standards.

Myths and Truths about Secured Loan

There are a few unclarified facts that make it difficult to understand when closing the deal with the loan. Therefore, we have selected a few facts for you to know the truth and thus to take out the loan more safely.

  1. It is not possible to sell the property while it is used as collateral: you can sell your property during the period it is sold. But it is necessary to make this very clear with the buyer. Selling properties to financial institutions is a legal practice and can also be done under the supervision of a lawyer in order to ensure that everything is properly arranged. The loan will be paid normally, but the property can only be passed to the name of the new owner after the discharge of the credit.
  2. The property must be yours: you do not have to own a property to get this type of loan. However, you need someone who has a property and obviously agrees. The person who will enter as guarantor intervener, who transfers the property, also becomes liable for the loan. And to give away the property the person does not necessarily have to be related to you, the important thing is to be aware.


  1. Not all real estate or automobiles are accepted: it may vary according to your financial institution. Features such as model, year and brand can influence when making your loan. In the case of real estate, there are restrictions on some features such as square meters and the purpose of the property. Did you know that religious temples and hospitals can not be accepted as collateral? Well, before you begin to separate the documents to start the loan, check to see if your financial institution accepts your guarantee.
  2. You can only place the property as collateral in one loan at a time: the credit regulatory body, the Central Bank of Brazil, has certain provisions that aim to protect both clients and companies. Among these laws, one is that you can not place a property in more than one credit operation, to avoid defaults.

Advantages of secured loan compared to traditional loan

Advantages of secured loan compared to traditional loan

As the doubts about the secured loan are remedied, the demand for this type of loan grows. Among the reasons are the low costs in relation to the other types of loan, the speed in the granting of the credit and the term of payment.

  • Minor interest
    This is one of the main advantages of secured loan: the interest rate. The interest on these loans is less than in other modalities, because the bank is sure that it will receive. As a property is given as collateral, be it a real estate or vehicle, in case of default, the property is in the possession of the bank . The risk is low for the bank or financial institution.
  • Anyone with the dirty name can request
    Another attractive of secured loan is that the loan can be approved even for those who are negative. This is because it does not matter much the situation of the petitioner in credit restriction bodies such as Serasa and SPC, as long as a good is offered as collateral.


How to Apply for a Loan

A loan, in fact, is a contract between a person and some financial institution that grants a cash amount, without specific destination, that must be paid in installments and established terms. The rules of this agreement are defined by the institutions themselves: interest rates, values, minimum income, fines, charges, etc.
Loans can be provided by banks or other financial institutions, but none of them are required to do so. Find out which ones are authorized at the Central Bank (BC) to avoid falling into frauds and see what are the fees offered by each, to choose the one that best fits your financial profile.
If you are a civil servant, retiree or INSS pensioner, you may have access to the payroll loan, which has lower interest and the discount of the installments is made directly on the payroll or benefit, although it can not exceed 30% of the total income. Check out the step-by-step with tips on how to get a loan:

Step-by-step on how to apply for your loan


For what purpose do you need money? What the value? How much of your income will you be willing to commit? These are the first questions that must be answered to yourself before applying for a loan. Remember that you will need to negotiate and persuade the bank or financial institution to offer the best deal. And, knowing what you want to get help to define the best strategy. While the release of money is not tied to its use, a defined goal can help you get the best options.
Choice of institution

After researching which financial institutions are authorized by the BC, compare interest rates and charges to know which one offers the best deal. The process is very simple and straightforward. Just go to the chosen location with the necessary documents and apply for the credit. However, defaulters are at risk of not having access to credit, so in order to take chances, you have to provide guarantees that you will be able to pay. So when you get paid at the bank where you want to get the loan, you’re more likely to get approved.

Credit analysis

Credit analysis

When applying for a loan from a bank or other financial institution, you will be assessed to see if you are eligible to receive the money and what interest and installment terms you will have access to. Generally banks classify clients into categories according to the profile and take into account whether they are employed, whether they work in a stable company, what salary, position they hold, payment history, whether they have equity or financial investments and whether they have dirty name in the square. These criteria usually define the profile of those who offer the least risk to the bank and therefore receive better options for agreements and fees. The credit score is also taken into consideration and can be accessed on the SPC / Serasa website.


In addition to the RG, CPF and / or CNPJ, proof of income and proof of residence, which can be requested by the institutions to release the loan, be sure to carry budgets, business plans (in case you need the money for any venture) , estimates and calculations of how much you can pay monthly and what your debt discharge conditions are.

read everything
Now that your loan has been approved, it is time to sign the agreement. Never, ever, sign anything without first reading. Make sure you understand all the variables involved (late fees, facilities with prepayment, charges etc.) and the final amount that will be paid, adding up all costs and interest. Check all the details that you think necessary.



Real Estate Investing



Financing a property is a great investment, but you need to know what to look for. Here are five factors to consider when buying a home: Criticism at


This is one of the main factors to consider, it goes far beyond choosing the neighborhoods of your choice. There are other points to be observed, such as:

  • Safety: make a small survey about the crime rate of the neighborhood and check how the local lighting is an excellent option for those who seek to live with quality of life and harmony.
  • Access and proximity to things that are part of your routine: check if there are access routes to buses or subways in places close to you. Also check if the shops, gym and schools are close or a little further from the place you want to choose.


It’s important not to just stick to the number of rooms that the residence offers, suppose you’re buying a house with enough rooms and a large room, but the kitchen is small and you do not like it. So, after a certain amount of time you decide to do a makeover and increase the size of your kitchen, but there is not enough space to do the project as you had imagined and planned. What’s up? What to do?
So there is something to be observed, it is necessary that you keep in mind the importance of obtaining an asset that gives you a bigger space and that gives you the freedom to make future reforms, for example.


It is good to be aware if the property has good structural conditions, such as:

  • Level floors
  • Stable electrical network and exposed wireless
  • If there is moisture or infiltration on the walls
  • If doors and windows are opened or closed without the need to force


Take time to determine what the interior and exterior of your property will look like and see if both are in perfect condition. Imagine how you want it to be both inside and out, or even how you want to decorate it, and then before making any decisions see if you need to do some adjustment to your taste and how much you will need to invest for perform what you want to do. Look also this way: do you intend to spend the next ten years doing reforms? or even with your children, in case you have or intend to have, having to share only one bathroom?
It’s something important to think about.

  1. VALUE:

Have you thought about your dream of own home being turned into a total nightmare? And worse, all this because you did not attack your financial resources. Therefore, having good planning is essential if your goal is to be achieved. Then understand the importance, before any decision, of knowing the type of property that fits your budget. Or if the property is being financed by case, what is the value of the parcels that would fit in your pocket without suffocating you in the future.

Syndicated loan – definition, practical application

An ancillary loan is – contrary to the name – not a stand-alone loan but a sub- loan under an existing syndicated loan, under the terms of the syndicated loan. see for more notes

Credit in practice

Ancillary credit in practice


In practice, ancillary loans are mainly issued for guarantees, overdrafts and foreign exchange transactions. Ancillary loans, in particular, are used for lending in a currency that is not the currency of the syndicated loan.

Due to the regularly revolving nature of guarantees, current account overdrafts and foreign exchange transactions, the implementation of ancillary loans (in the case of multiple loan tranches) regularly also takes place only below the working capital tranche. Although the integration into a loan tranche with a repayment structure does not seem technically impossible, it is still not practical or even customer-oriented.

The Ancillary Loan is not transacted through the agency involved in the syndicated loan, but transacted directly between the borrower and one of the lenders.

In this case, the ancillary credit is credited on the commitment of the respective lender under the loan agreement. If the requested ancillary loan exceeds the commitment of the lender, it is likely that another of the lenders involved in the syndication agreement may also be included in the ancillary credit.

Ancillary credit is regularly granted by settling a balance / loss compensation with the loans granted under the loan agreement.




The Ancillary Loan is used in the daily practice of corporate financing, in particular to maintain the flexibility under the syndicated loan so as not to make it a rigid corset for the client. All of the above-mentioned awards (guarantees, bank overdrafts and, in particular, foreign exchange transactions) are highly event-related, difficult to plan and indispensable for everyday business.

And at this point, the syndicated loan also plays out its individual strengths:

And at this point, the syndicated loan also plays out its individual strengths:

  1. Thanks to the credit check carried out by all the banks involved in applying for the syndicated loan, this is often not necessary or not required on a large scale.
  2. Thanks to several participating banks, the customer and borrower can often select the bank that makes the most competent impression for their current event. After all, there are banks that tend to exude regional strength, and banks that have earned a particularly good international reputation.


Payroll Loan Simulation

Advantages of the Payroll Loan

Many people get in the way of paycheck credit . The first thing we need to understand is payroll deductible credit and what this complicated name means. It is a joint loan with the bank. But it has a difference. All debt installments are discounted directly from your salary. Why does it happen? Why there is an agreement with the bank . With this he has some advantages that we need to know. The first one I’ve already mentioned, is that you’re going to have to be aware that it will be discounted in foil without you having to worry about the payment. The second is that because it is a safer option for the bank it may have lower rates and be a cheaper option for you. Another important reason to acquire a loan is when an unexpected expense happens. For example, when you have to have surgery. In this case payday loan can be an interesting option. 
So in summary what you need to know is that knowing how to use payday loan can be a good option. The interest rates are lower and may be a cheaper loan. It helps cover unexpected expense.

Interest rate promotion for the month of June! Take advantage of this offer and run a simulation right now!

Payroll loan

Payroll Loan 

Take advantage of VMACRED Special Interest Rates in June. If you are a Public Servant, VMACRED offers a unique credit to organize your financial life with security and practicality.

We work with financial solutions such as debt refinancing, Credit Portability, and Payroll Loans . The amounts are credited to the current account and the installments are debited from the payroll.

We work with:

Servants and Pensioners of the Public Prosecutor’s Office 
* Servers and Pensioners of the Chamber of Deputies, Federal Senate and Courts 
* Pensioners and Pensioners of INSS 
* Federal Server and GDF (Military Policy, Civil Police and Firefighters) 
* Military of the Armed Forces 
* Account Debit 
* Payroll loans

More convenience: payment is made through the payroll, without having to worry about the due dates. Credit lines with more attractive rates 
Longer terms: up to 96 months (according to agreement)

 Credit Card Debt | VMACRED Loans

Net debt – measure, calculation, definition

When it comes to financing companies, the measure of net debt plays an important role in the analysis of a company and company valuation. In this article, we will therefore show you how the key figure net debt ratio is defined and calculated and what meaning and meaningfulness are inherent in it.

The ratio net debt ratio sets the net debt of a company (ie debt less liquid or quickly liquidizable assets) in relation to its earning power.



The net debt ratio is alternatively and in English also referred to as Net Debt / EBITDA, which actually already said the most important thing to the calculation:

It is calculated by dividing the net debt (net debt) by the EBITDA of the respective financial year. So the formula is: Net debt / EBITDA.


Thus, if a company had a net debt of EUR 1,000 at the end of the financial year and had an EBITDA of EUR 250, the net debt ratio is 4.0x.

The EBITDA in the above example and the relevant fiscal year therefore fits four times into the current net debt of the company.

The representation with the “x” behind the indication of the net debt ratio is common. This displays the capacitive nature of the measure. Incidentally, the same presentation is also made for the interest cover ratio .

Statement and explanation

As stated above, the net debt ratio at first glance shows how often the company’s EBITDA fits in with the current net debt. That alone is an interesting piece of information.

Turning this idea around, but you come to the really important statement of the ratio net debt ratio: Because the net debt ratio says in reverse so synonymous, how long the company (with the same EBITDA) would need to repay the current net debt. In our example above exactly four years. Again: At constant EBITDA!

The net debt ratio is not only very popular in the financial analysis of companies. Instead, net debt is, in our experience, the most popular financial covenant .

Both are in our opinion due to the versatility of this ratio, which is reflected in three factors:

  1. The net debt ratio relates a balance sheet value (net debt) to a value of the income statement (EBITDA).
  2. It creates a connection between the financing or indebtedness of a company and its earning power.
  3. It combines a relatively rigid value (net debt) with a very dynamic one (EBITDA).

As a result, this key figure is particularly suitable for getting a first impression of a company’s financing , capital resources and earning power. However, in its use as a financial covenant , it is ideally suited to agreeing on a target development of the financial overall situation of a company and tracking it over time.

We like to associate the net debt with the interest cover ratio to the financial covenants.


The net debt ratio is to be distinguished from the Gearing indicator. In contrast to the former, the debt is not set in relation to the profitability of the company but to the equity in the case of the latter key figure. Gearing is thus a significantly less dynamic key figure than the net debt / EBITDA and can rather be compared to the classic leverage (ie FK / EK), as it is also known from the area of derivatives (options).

Negative net debt

Although a negative level of net debt is rare, it is nevertheless occasionally encountered in the financial analysis of companies.

The solution to this apparent folly is that either the net debt or the EBITDA of the company in question is negative.

Both are possible in principle:

Since net debt is only a netting out of a value of liabilities (gross debt) and assets that can be quickly liquidated, it can assume negative values.