At first, building your own home or business is the dream of hundreds of people, but for that, having the materials is not always easy. This is because they tend to be expensive, hence the importance of Banco do Brasil financing for construction.

In this regard, this type of credit is used to finance construction materials, renovation or expansion of properties. So, before choosing to buy building materials, read this article until the end to understand how Banco do Brasil can help you!

Well then, Banco do Brasil Construction Financing works as a form of Direct Consumer Credit – CDC.

In other words, it is a type of credit intended for all bank account holders who need help financing construction material.

In this regard, it will be used to finance construction materials, renovations or property expansion. In it, customers can pay for purchases in up to 48 months without having to apply for financing.

That's because, just choose the CDC - Direct Consumer Credit as a payment method, using the Ourocard Visa or Visa Electron in the debit function.

So, this modality was the model found to provide comfort, security and agility for shopkeepers and customers at the time of purchase!

So, let’s get to know a little more about the advantages of Banco do Brasil financing for construction:

At the outset, the first advantage is that, even if financing occurs, the company receives the financed amount in cash, as well as the risk rests with Banco do Brasil.

Another advantage is that the entire process is done online via POS or TED, but it is necessary to be inside the store.

Furthermore, this financing model helps reduce the risk of default, as the Bank guarantees payment to tenants.

Also, it is a more comfortable and interesting form of payment for consumers.

Another advantage is that with this financing, sales tend to increase, since consumers will not need to pay by card or check at the time of purchase, as well as, there is an ease in contracting due to the reduction of credit bureaucracy.

Furthermore, customers have financing of up to 100% of the purchase price, as well as a grace period of up to 59 days to start paying. Too much isn't it?

Therefore, this financing brings numerous advantages for both parties, which can be seen with the thousands of Banco do Brasil customers who are adhering to the CDC!

So, one of the disadvantages of this financing is the materials that cannot be financed. Among them: Materials for external infrastructure such as asphalt, pole, sidewalk, as well as labor, furniture, acquisition of land or unit already built or under construction.

Therefore, despite being a very interesting proposal, unfortunately it does not include all the materials and services in the property construction area, as well as having a credit rate of 3.5% of the financed amount, with a minimum of R$5.00 and maximum of R$200!

Well then, the entire process of contracting Banco do Brasil Construction Financing takes place inside the stores, via POS or TED terminals of the Visanet network, with Ourocard Visa cards in the debit function and Visa Electron.

For this, the shopkeeper must swipe the customer's card in the machine. Then select the DEBIT option. After that, you must enter the last 4 card numbers (for a card without a chip).

Then enter the values. Therefore, you must request the DOC option. Then, you must inform the number of installments from 2 to 48.

Then, in the “First Invoice Expiration Date” field, the merchant must provide the date chosen by the customer. If no date is informed, the system chooses automatically. After that, you should ask for the password given by the customer.

In this regard, the shopkeeper must inform the customer that there is a Banco do Brasil opening fee of 3.5% of the financed amount, with a minimum of R$5 and a maximum of R$200! Ready!

It is important to mention that the contract must take place in all establishments in the field of building materials that are affiliated with Visanet and have an agreement with the bank. Therefore, this funding seeks to offer a proposal very different from anything we've seen!

Well, according to our research, Banco do Brasil construction financing is worthwhile because it is a modality to make it easier for consumers.

That's because, the financing allows purchases to be paid in up to 48 hours, with up to 59 days to start paying the first invoice, and with a limit of up to R$10 thousand reais!

So, it seems like a dream, but it is a way that Banco do Brasil found to turn your dream into reality!

It is important to mention that there are some materials that are not included in the financing, as well as, only partner companies are financed.

To become a member, it is enough for the company to be an account holder and then contact the bank to show interest.

On the other hand, if the company is not an account holder, just go to one of the branches, become an account holder and then request the agreement.

Therefore, if your purchase meets these criteria, you will be able to enjoy all the benefits of financing! So don't waste time!