Renovating your home is a dream for many people. But that also involves a lot of money. Any work requires spending, planning and time. For this reason, financing becomes a great option. Mainly, if you need to renovate the house, but still haven't got all the money together. In today's article, we'll show you two types: Balaroti financing and Bradesco Reforma financing.

Continue reading and understand which of the two works best for your financial reality.

Balaroti Financing is, in fact, a credit card. With this card, you can pay for your purchases with discounts and special conditions. 

Well, the card is the result of a partnership between Balaroti and Cetelem bank. Once created, you can use the card at any Balaroti store or establishment that accepts the Mastecard and Visa brands.

Balaroti is one of the market leaders when it comes to civil construction. In this way, the store sells building materials, hydraulics, decoration, air conditioning and several other items. 

Cetelem Bank is one of the world's leading credit banks. As well as in Brazil, the bank has offices in 18 other countries.

Another important thing is how to apply for your Balaroti card. Although there is the facility of the application, it is only possible to purchase the card in person. The good news is that there are more than 20 Balaroti stores spread throughout Brazil.

The Bradesco Reforma financing was created especially for you to renovate your home. With it you have up to 62 days to pay the first installment. After that, up to 48 months of payment are available. 

So, as it is a specific financing for those who are renovating the house, this modality has some conditions. One of them is to present the list of work materials at the agency. This must be done at the time of applying for funding.

But it is worth noting that both the Balaroti financing and the Bradesco Reforma are subject to credit approval.

Firstly, having access to Balaroti financing is of great advantage for anyone carrying out a work. That's because this line of credit entitles you to several advantages to buy from Balaroti itself. It is a construction company with over 50,000 products available. 

Also, when we talk about expense management, Balaroti finance has a big advantage. Due to the partnership with Banco Cetelem, it is possible to control transactions directly through the application. After completing your registration and having your card, you will be able to print the duplicate of the invoice, consult the limit and several other functions.

Another advantage is the possibility of additional limit. To make your purchases at the Balaroti store, you can request an additional purchase limit. So, if you need money to renovate your home, this card is a great option.

Bradesco financing has several advantages for those who want to start or finish the work. First, it is an option with a long term to pay and a high financeable amount.

In this sense, it is possible to start paying the financing after 62 days. Subsequently, the value can be divided into up to 48 installments. In addition, the installment debit day is up to you to choose. 

In addition, it is important to point out that Bradesco offers discounts at several associated construction stores. 

However, it is important to remember that to acquire this card, it is necessary to follow some prerequisites. Just as it must not have a dirty name and it is necessary to present a minimum income to guarantee its Balaroti financing. Even so, a credit analysis will be carried out.

Another factor is that Balaroti financing is not exactly financing. The service corresponds to a credit card. In addition, it is possible to achieve the objectives of renovating the house with it.

From the same point of view, the biggest disadvantage of Bradesco Refoma financing is that to carry out the financing, you must already have a budget for the work ready. Differently from Balaroti financing, in which it is possible to decide and plan little by little.

However, if you are a planned person and already have all this matter prepared, Bradesco financing is very worthwhile.

Finally, the decision falls into two factors: do you prefer financing or a credit card? 

In addition, it is good to remember that most of the advantages available for Balaroti financing only work for in-store purchases. So, you need to make sure there is a Balaroti store near you, for example. If this is not a problem, the Balaroti card is a great option.

However, if you have already planned your renovation and have everything organized, financing from Bradesco can also be good. That's because, with it, you present the entire proposal to the bank. In this sense, the conditions for its financing are created.

Still, it depends on your reality. Now that you've met these two modalities, get to know other services as well. In the recommended article below we talk about the Right Agreement and the Good Credit. So, take a little time and happy reading!