When carrying out a project, it can be very good to have financing. Mainly to deal with the surprises that every renovation has. But how to choose the best option? In this article, we will take a look at Balaroti Financing and Caixa Construcard Financing. Continue reading and discover the details of each of them!

Firstly, Balaroti is one of the leaders in the civil construction market. In this sense, the store sells not only construction materials, but also decorative objects, plumbing and even air conditioning. Therefore, Balaroti Financing is very worthwhile for works and renovations.

In short, Balaroti Financing is actually a credit card. In other words, with this card you can pay for your purchases with discounts and special conditions at Balaroti stores. In fact, the card is a partnership between Balaroti and Cetelem bank. Therefore, you can use the card in other establishments. Just accept either Visa or Mastercard. 

Furthermore, applying for the Balaroti card can only be done in person. In this sense, you need to go to one of the stores to request your financing. However, there are more than 20 Balaroti stores spread across Brazil. Just find the one closest to you!

In short, Caixa Construcard Financing is also a line of credit for renovations. In other words, it is a credit card that can be used to buy construction materials in accredited stores. 

Furthermore, only those who intend to renovate or build a residential property can apply for credit. In this sense, if you intend to build on a lot, for example, Construcard can be a good option. This is because accredited stores usually still offer special conditions.

Furthermore, if you just want to renovate your home, Construcard can also help you. In fact, the card can be used to expand your property or carry out painting and finishing.

Overall, Balaroti financing is very advantageous for anyone carrying out a project. Mainly because the stores have more than 50 thousand construction products available. In this sense, with the card you have access to several advantages for shopping at Balaroti. 

Furthermore, the Balaroti card offers an additional limit for in-store purchases. In this sense, if you are purchasing in store and the amount exceeds the limit, you can request more. Therefore, any surprises in the work will already be covered by Balaroti financing.

Firstly, Caixa Construcard Financing is for both construction and renovation. Therefore, it can reach lower amounts than home financing. This way, as soon as the customer signs the contract, the credit is released. In fact, in the case of Construcard it is in the form of a credit card. 

In this sense, it is important to be aware, as Caixa stipulates a specific time for using the credit. In other words, after contracting, the client normally has between 2 and 6 months to use the money. This way, the work must be well organized, as well as the shopping list. To fit within the financing term.

Furthermore, financing payments can be paid in up to 240 months. Longer than most renovation financing on the market. Furthermore, you still have 6 months to start paying the installments.

Although the Balaroti card offers several benefits, we must remember that it does not work exactly like financing. Therefore, if you need money and not credit, it won't be possible. And many construction services require payment in cash. Therefore, the Balaroti card is a good option for purchasing construction materials for the project.

Furthermore, the Balaroti card's credit analysis is very thorough. In fact, you need to follow some criteria such as: not having a dirty name and also having a minimum income. Therefore, you must already have a good financial history.

Overall, the main disadvantage of Caixa Construcard Financing is the deadline for using the credit. Therefore, if you have a project lasting more than 6 months, it will not be possible to take out this type of credit. Therefore, take this into consideration and keep the work planning in mind before requesting Construcard.

Therefore, Balaroti Financing and Caixa Construcard Financing have advantages. Balaroti Financing can be a good option for those looking for a credit card without a stipulated period for use. However, the fact of having a very careful analysis may prevent some people from being able to hire.

With Caixa Construcard Financing, it is not possible to contract if you have debts with Caixa. However, the analysis can be a little simpler. And the card limit can also be quite high.

In other words, it depends a lot on each person’s priorities. Therefore, analyze your financial condition, and keep in mind the planning of your work. This way, you will be able to choose the ideal financing for your renovation. 

Furthermore, also see this other article in which we compare Financiamento Balaroti with Bradesco Reforma. Continue reading!