Renovating the house is always on people's plans. However, this always requires planning and money. After all, any work ends up having unforeseen events and is more expensive than you imagine. For this reason, there are several specific financing options for those who want to renovate their home. In today's article, we will help you choose between Balaroti financing or Creditas Reforma financing. 

Balaroti financing is specific to the store chain itself. In this way, it offers special conditions to customers who buy at Balaroti. Creditas Reforma, on the other hand, has financing in the form of money. This way, you can choose the best suppliers for your work. In the end, both have advantages and disadvantages. Continue reading and discover the best for you!

Balaroti is a chain of construction stores with establishments spread across several states in Brazil. The company is one of the market leaders in terms of civil construction. The stores sell construction materials, plumbing, decoration, air conditioning and many other items. Your renovation financing is actually a credit card. In this sense, this card is used when shopping at Balaroti with discounts and special conditions. 

However, the card can also be used normally in other establishments. This is because the product is a partnership with Banco Cetelem. This way, you can use the card at any Balaroti store and also at any establishment that accepts Mastercard or Visa. 

One good thing is that the card can be managed through the Banco Cetelem application. However, it is not yet possible to purchase the card directly through the app. It is necessary to go to one of the 20 Balaroti stores spread throughout Brazil

Creditas is one of the largest credit companies in Brazil. In 2020 and 2021 it won the Reclame Aqui award as the best company for online loans. This way, the financing service for renovations would not leave anything to be desired.

Unlike Balaroti financing, Creditas Reforma is in the form of cash. Therefore, you can hire the suppliers of your choice for all services. Furthermore, Creditas Reforma financing allows you to hire other services such as labor or design.

Furthermore, there are two ways to contract financing: with property or a guarantee vehicle. The two allow different value and different conditions. Look:

Financing with a vehicle under warranty is very simple. You can finance between R$5 thousand to R$150 thousand. Furthermore, interest rates start at 0.99% per month.

With the property as collateral, the value of the loan increases even more. In this modality, it is possible to finance between R$30 thousand and R$3 million. Interest rates also decrease, going to 0.89% + IPCA.

Firstly, Balaroti financing is very good for those who are carrying out a project. This is because it is common to need many products from construction stores. And Balaroti is a store with more than 50 thousand products available. In this way, this line of credit guarantees advantages for purchasing in the store itself. Therefore, your expenses with construction products are more guaranteed.

Furthermore, managing your expenses is even easier. The partnership with Cetelem bank offers services that help you. Like, for example, the application. Through it, you can print the second copy of the invoice, check the limit and several other functions available in the app. 

Furthermore, Balaroti financing even offers an additional limit. In other words, if you are in the store and exceed the planned value, there is no problem. It is possible to request a higher limit exclusively for purchases at Balaroti stores. This way, even unexpected expenses are included in your account and will not delay your work.

Firstly, Creditas Reforma financing is a great option. Mainly because it is a quick credit to take out. In addition, Creditas offers consultancy from a specialized team to assist you in the process. This way, you evaluate all possibilities before actually taking out the loan.

Furthermore, for those who have a vehicle or property, this is the ideal loan. This condition ends up increasing the value of the financing. This way, you can plan your renovation even more. 

Without a doubt, the main disadvantage of Balaroti financing is the fact that it is not financing. But yes, a credit card. Despite having many advantages, some things are missing in this case. For example, when hiring services, not all professionals accept credit cards. 

Furthermore, the card requires some prerequisites. For example, not having a dirty name and also having a minimum income. Furthermore, Balaroti in partnership with Cetelem also carries out a credit analysis on your behalf.

Furthermore, a disadvantage of Creditas Reforma financing is that if you don't have the vehicle or property to provide as collateral, you won't be able to contract. Furthermore, you also need to make sure that you will be able to pay the proposed installments. Because there is an asset at stake, which could be lost if the financing is not paid.

Finally, both financing options have pros and cons. Balaroti financing is a good option for those looking for discounts to purchase construction products. Furthermore, the credit card can be used at any establishment. In other words, if your suppliers accept credit cards, it might be a good option.

Creditas Reforma financing is a credit option for you to choose the suppliers you want. Together, Creditas also offers a specialized team to provide financial consultancy with you during the work. 

Therefore, both have many advantages and a lot depends on your needs at the time. While you don't decide, we leave here another recommended article comparing Balaroti financing to Bradesco Reforma financing. It is worth checking!