That Banco Itaú is one of the largest banks in the country, this is known by most Brazilians. However, what is commonly known about this highly regarded financial institution is that it only serves people with greater purchasing power. Really? The truth is, no! Few know, but there is the Itaú loan without consultation with Serasa. Come find out more!

As always, before talking about the subject of the text, we like to briefly mention the institution involved. In the case of the Itaú loan without consultation with Serasa, it would not be different!

Created in 2008 from the merger between Banco Itaú and Unibanco, two of the largest financial institutions in the country, Itaú Unibanco SA is the largest financial conglomerate in the southern hemisphere and one of the 20 largest in the world in terms of market value. With approximately 5,000 branches in Brazil and abroad, in addition to 26,000 ATMs and service points, in 2016, the bank's asset portfolio reached 1.43 trillion reais – the largest in the country.

So, there is no doubt: Itaú Unibanco SA is really a cutting-edge and highly regarded bank. However, much is questioned about the accessibility of the institution. This is because, as we mentioned in the introduction to this text, there is an idea – extremely wrong, by the way – that Itaú is a bank aimed at those with more purchasing power.

If you have that thought, you can get it out of your head right now. With each passing day, Itaú is becoming a more democratic and open bank for Brazilians. The institution even has one of the best credit cards with more chances of approval for those who are negative, which is the Itaucard Click. If you are interested in the subject, we strongly recommend that you read the our text on the subject.

Now that you have understood once and for all that the idea that Itaú Unibanco SA has its doors open only to those with money is a fallacy, it is then time to discover a little more about one of its services that breaks this myth once and for all: the Itaú loan without consulting Serasa. Yes, the largest financial institution offers credit to those with CPF restriction!

Unfortunately, unforeseen events can happen and, with that, debts end up piling up and, consequently, your name becomes negative. Although the situation by itself is already extremely bad, the most problematic of all is that those who have name restrictions usually cannot find good loan offers available, right? That is, those who most need the money, which are those in debt to arrange their personal finances, receive a no from most financial institutions.

In view of this and the infrequency with which banks offer loans to those who are negative, Banco Itaú decided to innovate and welcome this public that is tired of being ignored. The company created, then, a line of credit that even accepts people who have a dirty name, that is, who have restrictions on the SPC or Serasa.

In the case of the Itaú loan without consultation with Serasa and also with the SPC, it is aimed at people with bad credit, but who need a large amount of money and have a property to give as collateral when contracting the credit. In other words, it is a personal line of credit that uses a property as collateral for loan repayment.

In this way, interest rates are lower than those usually charged, since, by leaving a property as collateral, you demonstrate that you will not be without paying for the loan, reducing the risk for the bank. Consequently, the value of the credit line is also higher, making it possible to get up to 60% of the value of your property, and the terms for paying the installments are longer compared to the other credit lines available.

So far, it has been possible to understand that the Itaú loan without consultation with Serasa is, in reality, a personal loan secured by property. Therefore, there are several advantages to the negative customer, such as lower interest rates, ease of obtaining higher credit amounts and easier payment.

However, the information regarding this loan from Itaú Unibanco SA does not end here. It is worth paying attention to the following details:

One of the biggest fears of people who take out a personal loan with property guarantee is the fact that they “lose” their home. This definitely does not happen! The property remains in your name, as well as all documentation, and it will only come into play if you do not comply with the contractual clauses, not paying off your installments and, therefore, becoming in default.

We have already mentioned this facility, but it is worth mentioning because it has everything to do with the next piece of information: the payment period is up to 10 years. That is, it is possible to take out the Itaú loan without consulting Serasa and still have a portion that fits perfectly in your pocket. Oh, and attention: the value of installments decreases over time. That is, you put that certain cost of credit in your budget, but over time it will decrease, leaving even more money for you.

Finally, the last detail, but not least, concerns the requirements to apply for the loan with property guarantee. Are they:

By the way, an important fact: these are just some details, because, in reality, there is even more information about the Itaú loan without consulting Serasa, which you need to know. For example, what are your advantages? So it is! That's exactly what we're going to talk about now.