Clipping of news on Brazilian Culture, Law and Citizenship
05/11/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Credit operations for the consumer is the theme of the latest edition of the newsletter and Consumer Finance, published on Wednesday by the Department of Consumer Protection and the Ministry of Justice (DPDC / MJ) and the Central Bank of Brazil. In its fourth edition, the aim of the newsletter is to inform consumers and give helpful tips to avoid over-indebtedness, from overspending and unnecessary interest.
According to the director of DPDC, Juliana Pereira, the newsletter is designed to guide consumers in choosing lower interest rates when hiring credits and loans. "The active participation of the consumer's strategic policy of cutting interest rates in our country," he said.
Credit transaction is any contract between a financial institution and an individual who obtains financial resources to be paid within a specified period, plus interest. These operations can be performed through financing, loan, lease or financial lease.
According to the publication, it is possible that the consumer continues to search the market conditions offered to negotiate your debt with an institution that offers more favorable payment terms. This is called portability of credit regulated by the National Monetary Council (CMN). It allowed also the early extinguishment of debt with a proportional reduction in interest and other additions.
The report warns that consumers care must be with the action of scammers offering bogus credit operations. To avoid falling into scams, you must be very careful especially when offers are made by telephone, internet or newspapers, if any request for deposit prior to performing the operation, there is no prior contract, guarantees are not required and even when conditions are more favorable than those offered by the market.
If you have questions about loans or leases, the consumer must attend to the financial institution or its corresponding (representative) or browse the Consumer Service Center (SAC). If you do not get information, may appeal to the ombudsman institution. In addition, agencies may use the consumer or the Central Bank of Brazil to even answer questions.
Information, complaints or claims can be made by the Central Bank following channels: e-mail address www.bcb.gov.br/?CIDADAO by telephone 0800 979 2345, fax, letter or in person attendance at headquarters and in all capital cities where there is representation .
To read the newsletter in its entirety, click here.
Source: DPDC
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This article was translated by an automatic translation system, and was therefore not reviewed by people.