Before talking about the loan with collateral for a negative property, it is important to mention that being negative is not a legal situation, but it happens to most Brazilians. Unfortunately, debts can arise and the ideal is not to despair about it.

However, even with debts, financial dreams do not stop arising. In this way, it is normal for customers to seek loans even if they are negative. Or else, they look for loans with lower rates to be able to pay off the debt.

In this sense, banks offer some types of credit that allow for these smaller amounts. This is the case of the loan with property guarantee. However, in this modality it is important to be careful. If you are unable to pay the installments, the bank may auction your home. 

In today's article, you will learn about 7 loan options with property guarantee for bad credit. Continue reading and check it out!

Follow below the best loan options with property guarantee.

CashMe is a Fintech specialist in home equity loans, or Home Equity. This type of credit is ideal for those who are negative, as the property guarantees better rates. In the same way, with CashMe you simulate and request your credit 100% online.

The company does a credit check and proof of income is also required, but negatives can also get the loan. In addition, you can claim up to 60% of your property value. As long as this value is between R$50 thousand to R$15 million.

Banco Inter is a digital bank that offers several services. Among them the loan with property guarantee for negative. Firstly, Inter offers low rates compared to the market. Secondly, a great advantage is the possibility of using a still financed property as collateral.

In addition, you can request a credit of up to 50% of the value of your property, from R$30 thousand. As well as the bank, hiring is completely digital. Thus, you perform all processes without having to leave your home. But be aware: the property for collateral must have a minimum value of R$200 thousand. 

Bom Pra Crédito works as a bank correspondent. The institution has already carried out more than 7 million loans online. Thus, Bom Pra Crédito offers a loan with property guarantee at interest rates starting at 0.75% per month. However, it is important to point out that Bom Pra Crédito selects offers from several banks and offers them to you.

That is, it works in partnership with other institutions to give you the best options. Finally, Bom Pra Crédito's loan with property guarantee for negative credit is ideal for those who do not need a very high amount. Mainly because the term to pay is up to 36 months.

Like Bom Pra Crédito, Finanzero also works as a bank correspondent. That is, in partnership with several institutions, it offers the best loan option for you. To simulate it is very easy. Just select the amount and time you want to pay. Then enter basic data and in a few minutes you will have 1 to 10 loan offers. Finally, just decide which option is best for you and wait for the money to fall into the account. 

Creditas is a company that works to facilitate the loan process. With more than 196,000 people served, it offers low rates on loan with property guarantee. In addition to providing the best deals for your reality.

Also, if you want more confirmation that Creditas is reliable, see: the company won the Reclame Aqui award in 2020 and 2021 as the best online loan company. In this sense, with Creditas you can look for the best deals and also have personalized advice. 

Banco Bari offers a loan with a property guarantee of up to R$1 million for you to use as you wish! A big difference is that this line of credit is flexible. That is, it is possible to receive the amount in cash or on a credit card.

That way, you get up to 60% of your home's value on the loan. In addition, the payment can be made in up to 15 years and with a grace period of 180 days. As it is a high-value loan, the money does not need to be used all at once. Therefore, the money is available for another 5 years after hiring. 

Banco Santander is one of the most well-known and renowned banks in Brazil. In this way, the security of taking out a loan is indisputable. However, there are some conditions. In this sense, with Santander it is only possible to use the property paid off as collateral.

Even so, there are some advantages. For example, the interest rate is fixed from 0.95% per month. Likewise, the credit assessment is immediate. Thus, hiring is fast and with little bureaucracy. 

Therefore, after knowing different loan options with collateral for negative property, it will be possible to choose the best option for you. However, remember: all money must be used conscientiously. Do not create extra debts and plan financially. 

In addition, if you want to know other loan options, how about knowing 11 loan options for salaried employees online 2022? So, click on the recommended content below.