13. Shall come before, with interest of 2% to 4%
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The 13th salary can get ce --- the most. With interest rates ranging between 2.06% and 3.99% per month, all major banks offer the option of early benefit for their account holders. By having guaranteed payment, such funding offers rates more attractive than other types of loans and therefore can be a good option for those with more expensive debt.
"For consumption, an option is completely discarded. But the anticipation of the 13th might be interesting to get rid of old debts with higher interest rates, "suggests Professor of Economics at the Federal University of Parana (UFPR), José Guilherme Silva Vieira. Is the case, for example, who has been paying interest rates on overdraft or credit card - that reach 10% per month. "I I recommend this type of loan for those with financial problems. The great advantage is to replace more expensive debt. But just for that, "agrees the financial adviser Erasmo Vieira. "Because, to buy some good, it is likely that the person to a more favorable split in the store."
In general, the loan can only be done at the bank where the person receives his salary - and therefore the 13th. Either way, the teacher guides the ideal is that the account holder talk to your manager and consider what the best financing option. "A few months ago, the anticipation of income tax and the 13th were, of course, the best options. Today, with the decline in interest rates, it is necessary to study each case. "
More than that, Professor José Guilherme Vieira says the time to contract a loan like this should also be thinking: "There are people who do this every year in advance. Why? You have to think, because at some point, it can be caught by surprise with an extra expense or be unemployed. "
Agencies
The anticipation of the 13th salary can be done in banks and in some cases, even the Internet. But a member of the Trade Accounting, Simone Domingues, recalls that the customer should check at the time of signing the contract, interest and fees agreed with the bank. "It is important to prevent later he is not caught by surprise," he says.
We must also consider the rates of hiring credit. "If it is too high, not worth even with the low interest," says Erasmo Vieira. "The benefit may be illusory."
Only in the Federal Savings Bank, more than 17 thousand people made the loan last year - 45% more than in 2007. This year, the bank expects to increase by over 45% in the number of people served in 55% the value of the loans.
Source: Gazeta do Povo
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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