Credit up to 60% cheaper
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Positive Credit can lower interest rates and increase time for good paying, as in car insurance
Rio - The operating system that will operate the register positive for retailers to cut rates by up to 60%. The model, which CDLs intend to adopt, create notes from 1 to 7 and 1 to 10 for rewarding good paying, according to consumer profile. The automatic analysis will determine levels of credit, similar to what today is done with auto insurance: when less risk, cheaper financing.
The situations Adimplência (or default) will have different weights in forming the score, and time will be more important than the origin of the debt. According to the president of the National Council of Merchants (CNDL), Roque Junior Pellizzaro, SPC Brazil will analyze the different profiles and to design strategies for custom credit, extend term and reduce interest rates for those with a good track record.
"In other countries, the registration rate has fallen to 60%. We can reach that level here. If a person has a good score (level), it can take 10 months and interest of 1%. Another, with lower scores, the time is shrunk to six and interest rates are going to 2%, "explains Pellizzaro. "They say that the greatest asset of the Brazilian is the name. Lie. Without the positive list, the name counts for nothing.
Aldo Gonçalves, president of the Merchants Club in Rio, says that the software is ready, "Just passed the Senate, and Positive Credit can now begin to be fed." Tenants claim the set of rules approved in the House: sending a letter to the membership and waiver of debts of up to $ 60 and utilities, which can reduce the credit for the poor. Pensioner Maria Conceição Mucury, 65, approves the registration, "I always paid on time and never had the advantage for that."
Source: The Day
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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