Itaú Loan: learn a little more about the credit line
Did you have a financial emergency and need a loan? Itaú loans may be an option for you! Learn more about the service!
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When we are talking about loans – whether personal or payroll – there is no shortage of available options.
Currently, banks, financial institutions and famous fintechs – companies created to serve and facilitate users' financial lives, such as Nubank, PicPay and Banco Next – already offer this option within their product catalog.
But when it comes to a loan, many people still prefer to go the more traditional route and choose banks that have been operating in the financial market for longer, whether due to trust or even because they are already customers of the bank in question.
And when we talk about traditional banks in Brazil, one of the most remembered is, without a doubt, Itaú. And of course it was not going to be left out when it comes to loans.
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Since we’ve been talking about loans and financial services in recent days, we decided to create the content you’re about to read! Here, you’ll learn about the main points of the Itaú loan to find out if it’s the best option for improving your financial life.
How to take out an Itaú loan?
The Itaú personal loan is an exclusive service for a specific audience that is already a customer of the bank.
Therefore, to request yours, you need to meet some requirements, such as: being an individual, being over 18 years old and not having restrictions on your CPF.
Furthermore, to have access to this line of credit from the bank, the applicant must be an Itaú account holder and have a pre-approved limit.
During the evaluation process, Itaú will take into consideration points such as the customer's relationship history, their financial profile and their credit score.
Only after collecting these results does Itaú give the customer a response regarding the loan request.
How do Itaú loan rates work?
Now let's talk about one of the points that most interests those looking for a loan: the rates for this line of credit.
When it comes to loan payments and fees, Itaú usually offers a 90-day grace period for the first installment.
And when we talk about installments, the customer has the option of paying in one or up to 48 installments. The average interest rate charged by the bank is 4.18% per month and 63.55% per year, according to the Central Bank.
How do I simulate this loan?
If you meet the requirements mentioned here and are interested in applying for this loan, you can simulate the loan very quickly and easily.
The simulation – and the request for it – can be done directly through Banco Itaú's customer service channels. In addition, it is also possible to use internet banking or at the bank's ATMs.
To do this, you need to access the website. There, you will fill in information such as your branch and checking account.
To carry out a loan simulation, the customer will have to fill out a form stating the amount and number of installments desired.
A very interesting point when it comes to the Itaú loan is that the bank also provides a loan simulation with insurance.
After checking all the information in the simulation – and if you agree with the conditions in question – just confirm and wait for the bank's response.
Conclusion
So, did you enjoy learning more about the Itaú loan?
Before opting for a loan, it is important to research and simulate all the options available on the market. In addition, it is essential to have good financial planning to deal with this commitment in the best possible way.
After all, the goal of those seeking a loan – most of the time – is to stabilize their financial life. But if they are not careful, everything can end up getting messy – since late payment of installments ends up bringing interest and fines – and bringing even more headaches instead of giving a boost to their financial life.
Did you like today's content? Then I think you'll also enjoy reading Nubank Card: learn more about this product from the institution
Contact: 3003-7377
1315 – Moema, Sao Paulo – SP, 04524-002
Research source: Itaú
