That the Itaú loan without consultation with Serasa is a great way out for those who are negative and need money to fix their financial situation, this was clear in the our text on the subject. However, it is necessary to deepen the advantages of this excellent product that the bank offers its customers. By the end of this publication, you'll understand why you can't stay out and you should apply for your credit soon. Find it out!

Let's get to the point: what are the advantages of the Itaú loan without consulting Serasa? Well, if you read our previous text, you must remember that this loan is, in fact, a personal loan secured by property. Precisely because of this fact, there are some benefits that you should already know, but it doesn't cost us anything to remind you:

As the name implies, the Itaú personal loan does not make the traditional consultation with Serasa – and also with the SPC – that most financial institutions do to find out if the person has a negative name. As it is necessary to pledge a property that has already been paid off in order to apply for it, there is no great risk of default for the bank, which then makes your credit much more accessible.

In the same way that Itaú's personal loan does not consult Serasa to release the credit because it is secured by a property, this modality also allows the bank to apply lower interest rates on top of the principal amount, as well as longer terms. of payment. From 0.94% per month + TR (referential rate), you can use your property paid off as collateral and have a period of up to 15 years to pay.

Another great advantage of the Itaú loan without consulting Serasa, which we have mentioned before, is that it allows higher credit line amounts. In this case, it is possible to get up to 60% of the value of your property, but this cannot exceed R$ 3 million. That is, the bank actually releases enough money for you to solve your financial life.

Still on the advantages of the Itaú loan without consulting Serasa, everything we've talked about so far is not unknown to anyone – at least, not for those who read our publication. But there's even more! Yeah, what's good can get better. Check out!

One of the most important pieces of information about this personal loan secured by Itaú's property is that the bank uses the Constant Amortization System (SAC) to calculate loan installments. In it, you have the option of making amortizations to reduce the total value of the installments in the long term.

And what is the advantage of Itaú using this amortization system and not applying fixed installments, as is usually done by other financial institutions? It's simple – and obvious, to tell you the truth. The SAC is quite advantageous precisely because the monthly installments decrease each month and, therefore, you pay less interest than you would pay until the loan is paid off if they were fixed. Good right?

Nowadays, everything is done over the internet, and you can solve your life in the palm of your hand, right? However, some banks, mainly the more conventional ones, insist on going against the grain of custom and forcing their clients to go to a branch to make several requests, including a loan.

Well, with Itaú, this story of going to the bank, standing in line for hours and still running the risk of having lost time, because the yes is not a certainty, it is in the past. Although some still prefer to go to the agency and apply for their personal loan with property guarantee with the manager, nowadays it is possible to apply for your credit over the internet. For this, just send your data and the bank will contact you.

That being able to apply for your personal loan online is already a super advantage of Itaú when compared to other traditional financial institutions, that is a fact. But what to say, then, in relation to the return of the analysis of your credit application in up to 1 hour?! Sounds like a lie, doesn't it? It just isn't! This is the time estimated by Itaú to give you a response to your request. Wonderful!

When we talk about Itaú Unibanco SA, the first thing that comes to mind is the image of an extremely reputable, safe bank with a history to protect – not only for itself, but also for its customers. All of this is 100% true of the bank; after all, we are “only” talking about the largest financial institution in Brazil, the largest financial conglomerate in the southern hemisphere and one of the 20 largest in the world in terms of market value. That is, there is not the slightest possibility that your personal loan is unsecured, as you will be dealing with a company that is extremely serious and responsible for what it does.

So, if you need a loan to get your financial life in order, you already know where to ask, don't you? To understand more about how the entire process of applying for your personal credit works, just click on the button below. There, you will find everything you need to know!