{"id":18094,"date":"2021-03-16T12:55:26","date_gmt":"2021-03-16T12:55:26","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=18094"},"modified":"2021-03-16T12:55:30","modified_gmt":"2021-03-16T12:55:30","slug":"emprestimo-na-conta-de-luz-como-funciona","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/en\/emprestimo-na-conta-de-luz-como-funciona\/","title":{"rendered":"Loan on electricity bill: how does it work?"},"content":{"rendered":"
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Find out how to get a loan on your electricity bill<\/strong><\/h2>\n<\/div>
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Find out how to borrow on your electricity bill (Image: ConsultaoCPF)<\/figcaption><\/figure>\n<\/div>
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Have you ever imagined taking a loan on your light bill? Probably not. Despite being possible, this modality is still not very popular among Brazilians and many do not even know that it is allowed.<\/p>\n<\/div>

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Your light bill needs to be paid every month, doesn't it? With this, companies can provide you with credit and request payment via account to guarantee receipt on the correct date every month.<\/p>\n<\/div>

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But, there are details about this grant that you need to know before applying. See all the information about this type of loan and see if it is right for you.<\/p>\n<\/div>

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What is an electricity bill loan?<\/strong><\/h2>\n<\/div>
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What is a loan on the electricity bill (Image: TribunaOnline)<\/figcaption><\/figure>\n<\/div>
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Since 2019, this possibility has reached the Brazilian market, bringing the possibility of requesting a loan by configuring the debit from the monthly electricity consumption account. <\/p>\n<\/div>

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This means that the loan installments will be paid monthly through your electricity bill. In this way, the amount of the loan installment will be added to the energy consumption of your residence in the month.<\/p>\n<\/div>

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For example: if you normally spend 60 reais on electricity and take out a loan that totals 1,000 reais (with interest and fees included) to be paid in 10 installments of 100 reais, that means that for ten months your bill will be 160 reais (60 reais of energy consumption + 100 reais for borrowed money).  <\/p>\n<\/div>

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It is important to note that the maximum loan installment is normally limited to twice the average value of the electricity bill. This helps to minimize the possibility of default. <\/p>\n<\/div>

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How it works?<\/strong><\/h2>\n<\/div>
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\"Como
How the electricity bill loan works (Image: CashMe)<\/figcaption><\/figure>\n<\/div>
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As mentioned above, the electricity bill loan is a new type of credit. It allows the person to pay the installments of his loan along with his energy consumption. The sum of these values will be present in your monthly consumption bill.<\/p>\n<\/div>

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Payment can be made as usual, debit, at an ATM or at a lottery.<\/p>\n<\/div>

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It is important that you know that the maximum installment value is equivalent to twice the value of your energy consumption. For example, if your electricity bill costs R$50 reais, the maximum amount of your loan installment will be R$100.<\/p>\n<\/div>

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Usually those who carry out this type of loan are finance companies that have partnerships with the company that supplies electricity to your home.<\/p>\n<\/div>

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To take out this loan, you must seek an institution or company specializing in consumer debt loans and present the following documents:<\/p>\n<\/div>

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