If you are in debt and no longer know how to get out of this situation or if you need to start a new business, the Fôlego + loan or Consignado Caixa loan may be the solution you need. Therefore, today, we will tell you how each of these credits works.

So, read on and check it out!

So, Fôlego is an online financial loan contracting platform, that is, if you are looking for fast money safely and online, it can be a good alternative.

But, unlike several other options on the market, the loan at Fôlego is secured by property.

So, to access the loan and make the request, you need to have a property to be given as collateral and this property must be paid in your name and have a minimum value of R$250,000.00.

This way, the institution helps you pay off your debts with credit that aims to simplify your financial life, reorganizing your finances for new projects, as well as low interest rates of around 1.65% + IPCA per month.

Thus, Fôlego, as it is a type of payroll loan, also accepts people with a low credit score and a dirty name, as long as they have a property paid off in their own name.

So, you can get a loan of up to 50% of the appraised value of your property. It is important to say that the evaluation will be made by the institution and not by the value you believe the property has.

Well, the Consignado Caixa loan is a type of credit provided by Caixa Econômica Federal to help you when opening a business or resolving financial difficulties.

Thus, as the name suggests, the loan is consigned, that is, payment of the invoice is directly deducted from your payroll or INSS benefit.

This means that only a specific category of people can have access to the loan, such as INSS employees, retirees or pensioners.

And, in addition, this loan from Caixa differs in terms of payment methods, because it carries out a different credit analysis and, therefore, you choose how you will pay the loan installments. If, they will be paid in a single payment or in monthly installments.

Thus, the Caixa payroll loan has interest rates that also vary depending on the option you choose, as well as the payment term can reach up to 48 months.

Furthermore, because it is a payroll loan, Caixa accepts people with low and negative credit scores.

So, the + Fôlego loan has several advantages, starting with the interest rates, which are one of the lowest on the market, around 1.65% per month + IPCA.

And, in addition, you don't need to worry about proof of income, as the proof is made with the property's guarantee and your loan will be up to 50% the appraised value of this property.

Furthermore, you can carry out the entire loan contracting process through the institution's website in a very quick and safe way without having to leave your home.

So, if you are looking for a loan that will help you get out of the red, + Fôlego has what you need.

Well, Caixa Consignado brings several advantages to customers, but the first of them is the fact that you can make the request even if you have a bad name.

This is because, as it is a payroll loan, the guarantee of payment between the customer and the bank is made through payment of the invoice directly on the customer's payroll.

Furthermore, you can apply for the loan at a Caixa branch or at accredited tourism stores.

So, if you are negative, Caixa can bring you the loan you need without any bureaucracy and completely safe.

So, unfortunately + Fôlego also has some disadvantages, such as the valuation of the property.

This is because each company evaluates the property in a different way and, therefore, depending on the evaluation, your loan may have lower values than the value you imagined.

So, presenting a property as collateral on the one hand is a super advantage, on the other hand, it is a disadvantage due to the valuation, which is quite relative.

Therefore, before opting for this loan, check the disadvantages and whether your property is well valued in the market, as only 50% of this valuation will be the value of your loan.

Well, one of the disadvantages of the Caixa loan is the interest rates.

This is because most services vary depending on how the installments are paid, meaning interest rates can be high depending on these factors.

So, check out the other options on the market before applying for a Caixa payroll loan.

Well, the + Fôlego loan or Caixa payroll loan are two credit options that have all the credibility, security, ease and accessibility that Caixa Econômica Federal and + Fôlego bring to customers.

Therefore, analyze the loans available to you on the market and see which one is the best option for you. And if you still have questions, see the recommended content below about personal loans that we have provided.