Clipping of news on Brazilian Culture, Law and Citizenship
 


Debts

Pledge the weight of gold

This article was translated by an automatic translation system, and was therefore not reviewed by people.





Changes in the rules for loans made in the Caixa Economica Federal will benefit more than 8 million customers across the country, who will receive better evaluations in jewelry


Cristiane Campos



Rio - The Federal Savings changed the rules of the pledge yesterday - kind of loan without bureaucracy, which each year attracts more than 8 million customers. Now, the value of the gram of gold rose from U.S. $ 28 to $ 33. With this, who seized a jewel that weighs 10 grams receive U.S. $ 330 - U.S. $ 50 more than the previous value. Another change was the extension of the maximum percentage of loans, which rose from 80% to 85% depending on the anticipated day of the last edition Saturday. Both changes also apply to contracts that are renewed.

Box also announced it will expand the network of the type of care. Currently, 453 agencies are, but the number will increase to 473 this year. To access the loan in micropenhor or the pledge, just present the jewel to be evaluated, then the money will be released.

According to the institution, the two lines have registered growth because of easy access. Last year, the agencies that operate the procedures for pledging lent U.S. $ 4.9 billion, totaling 8.5 million transactions. This year, the forecast is exceeding U.S. $ 5.5 billion. According to Cash, by the 25th of February, 1.3 million contracts were signed - disbursement of $ 780 million.

The pledge micropenhor and are known for the speed the release of money and low interest rates. Remember that if the person fails to pay the loan, the jewelry will be auctioned. The box says that the owner of the parts have priority in that case. Means he may be entitled to recover the jewels.

Today is the last day of another edition of the auction of the jewelry box in the center of Rio The minimum bid is $ 63 and reaches a maximum U.S. $ 7,853 (a necklace, a pendant, two bracelets, gold and white gold, weighing 251.40 grams).

The retiree Nelson Martins, 57 years is one that will attend the event. He says that such investment is worthwhile, especially in times of crisis. "You need an eye physician to choose the best lot of jewelry. Those precious stones such as emeralds and bright, are those that stand out. This is the time to apply in gold. The investment is safe and not suffer from fluctuations, as the Stock Exchange ", says Martins, who already participates in the fourth auction.

Yesterday, the gram of gold was quoted at R $ 71.80 in the Mercantile and Futures Exchange (BM & F).

RULES unbureaucratically

DOCUMENTS
You must bring ID, Passport and proof of residence, in addition to jewelry as the basis for the operation. In general, they are noble metals, with or without precious stones, watches, jewelry and pens of high quality and value.

MICROPENHOR
In the method, the interest rate is 1.7% per month. The line is geared for those who have average monthly balance on current account or financial application over $ 3 mil. The loan is limited to $ 1 mil. The deadline to pay up to 180 days.

ATTACHMENT
The minimum is $ 50 and maximum of R $ 50 thousand. The interest rate is at 2.25% per month. Payment can also be done in
up to 180 days.

AGENCIES
In Rio, 82 units operating the program for pledge. The agency also spent Catete to offer the service from February. The unit is on Rua do Catete 228, shop 117.

AUCTION
Event to sell the jewels have not been redeemed or renewed by their owners. In Rio, the lots are set in accordance with the schedule of tender box. The next event is scheduled for 13th and April 14th.

PRIORITY
Holders of contracts included in the auction may regularize the situation with the Fund until the day of the event, during banking hours, including through the halls of self-care.



Source: Source Day online

This article was translated by an automatic translation system, and was therefore not reviewed by people.

Important:
The JurisWay site does not interfere in the work provided by doctrine, why only reflect the opinions, ideas and concepts of their authors.


  Subjects list
 
  Copyright (c) 2006-2009. JurisWay - All rights reserved.