First of all, the Itaú Construshop loan is a line of credit offered to Itaú bank account holders for the construction, renovation or decoration of properties. With it, you can buy building materials, decorations and furniture that you've always dreamed of to make your home your own way.

Well then, do you believe that Itaú Construshop is the ideal line of credit for you? So, continue reading to find out more!

First, the Itaú Construshop loan is ideal for building, renovating or decorating real estate. It is an option only for Itaú customers and for those who have a pre-approved limit with the bank.

To request the service, you can request the desired amount from your account manager and you will undergo a credit analysis, where the bank will verify your financial history.

In case of approval, you receive a Mastercard debit card with the limit that was made available. Then, you must go to an Itaú branch to unlock the card to start using it.

In addition, the customer can choose from 3 to 6 months to make the purchases he wants and in that period he only pays the interest on what was purchased. It is only after that time that financing begins to be charged, that is, the total amount of what was spent. Furthermore, you have up to 54 months to pay all installments and the amount is debited monthly from your checking account.

It is also important to remember that if you do not use the entire limit of your Itaú Construshop, the amount goes back to your credit line.

Well, with Itaú Construshop it is possible to obtain a loan of up to R$ 300 thousand, however the amount available may vary from customer to customer, since in addition to requiring a pre-approved limit, the bank performs a credit analysis in which checks your monthly income and the probability of payment.

First of all, before applying for a line of credit, it is important to understand the need for contracting and make a monthly budget to make sure that the installments fit in your pocket.

The Itaú Construshop loan has low interest rates when compared to a personal loan, and offers good flexibility in the payment of installments. What's more, you have up to 6 months to start paying off the loan, which means more time to organize your budget.

In addition, Itaú Construshop has the advantage of being a line of credit with a card and not with a credit account, so you have more control over your expenses. In addition, as the monthly installments are debited from your checking account, you also do not have to worry about bills or missing the payment date.

However, this is a service available only to Banco Itaú account holders, and you must have a pre-approved credit limit to apply.

First of all, you need to have an Itaú bank account and have a pre-approved limit. You can then request the service through the website, an ATM or a bank branch.

After applying, you undergo a credit analysis in which the financial institution verifies your monthly income and possibility of payment.

Finally, if your request is approved, you will receive a Mastercard debit card with the agreed limit, unlock it at an ATM and you can now shop at more than 148,000 accredited stores throughout Brazil.

Also, do you want to know more details about the Itaú Construshop loan application process? So, click on the recommended content and check it out!