refinance options programs loan rates

Fixed rates are 17.24% per annum for small businesses and 15.74% for the others. Bank opened option of covering portion in excess of 50% or 70% also with a fixed rate.

The National Bank for Economic and Social Development (BNDES) announced on Monday (9), which is expanding its financing alternatives for the purchase of capital goods. From now on, the bank will adopt a new fixed interest rate, market values ​​to complement the funding under the Investment Support Program (PSI).

Capital goods are machines that are used for the manufacture of another machinery and equipment, building materials and industrial plants, for example. The values ​​of fixed rates for February are 17.24% per year for micro, small and medium enterprises (MSMEs) and 15.74% for other companies.

The novelty is that the BNDES is offering customers the option to cover the portion that exceeds the 50% or 70% also with a fixed rate, the market cost. The new fixed interest rate will be updated monthly and will expand to up to 90% the participation of BNDES financing for the purchase of buses and truck's operations and BNDES Procaminhoneiro (funding for independent truck driver).

The new fixed interest rate will be updated monthly and will expand to up to 90% the participation of BNDES financing for the purchase of buses and truck's operations and BNDES Procaminhoneiro (funding for independent truck driver).

The PSI program funds at fixed rates the purchase of domestically produced capital goods. The limit for funding with program fees is 50% (large company) and 70% of the property value (for smaller companies). The client, however, can finance up to 90% of the value, complementing the PSI rate with market rates. The novelty is that the BNDES is offering customers the option to cover the portion that exceeds the 50% or 70% also with a fixed rate, the market cost.

The fixed interest rate shall be applied to the credit related to the increase of participation of the Bank. That is, it will be adopted specifically on the portion of debt not covered by the PSI. With the new mechanism, BNDES offers its customers a credit complementation. Alternatively, the fixed-rate market, allowing the borrower greater predictability on the final cost of the operation.

The values ​​of fixed rates for February are 17.24% for micro, small and medium enterprises (MSMEs) and 15.74% for other companies. In credit composition (PSI + fixed interest rate), however, is maintained the advantage of cost of financing for MSMEs, as the BNDES participation in the share of financing with subsidized interest of PSI to these companies is higher.

The measure was communicated to the financial agents through BNDES circular and the new tool is now available, initially being adopted for bus acquisition, trucks and BNDES Procaminhoneiro. In a second step, the benefit will be extended to the financing of other capital goods financed by BNDES PSI.

Wheat stock expansion of J. Macedo

BNDES approved R $ 79.5 million financing to J. Macedo S / A. The project is for the construction of silos at the plant in Fortaleza (CE), with storage capacity of about 40 thousand tons of wheat.

This increase will improve the operational flow and utilization of wheat downward price movements in the market for training stock. It is expected that the work will be completed in March 2017, creating 70 jobs.

The operation, under the BNDES cereal programs, PSI Capital Goods and BNDES Finem, correspond to 85% of total investment, whose purpose is to support the growth of J. Macedo flower sales to meet the Northeast bakery market.

J. Macedo has been operating for 75 years in the milling industry and wheat processing, where he obtained a national leadership in the areas of domestic floor, and cake mixes. The company owns brands like Dona Benta, Petybom and sun.

Source : brasil.gov.br

Higher education in Brazil has never been so accessible. If before the access to public universities was further complicated by the number of vacancies, and the private education was inaccessible because of the tuition fees, today every Brazilian citizen has a chance to go to college. If you have not been admitted to a public selection process or not having the desired course in federal or state universities near your city, you can try a student loan. Want to know how? Then see our post.

FIES - Student Financing Fund

It is the most comprehensive costing model of the country, held by the Federal Government in partnership with the CEF. However, you must have some requirements: have done the Enem the previous year and that the chosen course is recognized by the Ministry of Education. In addition, addition, there are two forms of financing: the total and partial. To achieve the full, the subscription price must correspond to more than 60% of income per capita family. If you do not enter this rule, can achieve partial funding - for that the subscription price must be at least 20% of income per capita So you will pay only half the amount per month. Other features that make the student cannot apply for the FIES are: if it was already benefiting from the program, if the registration locked in an institution, it is in default with the Student Loan, if your family income is more than 20 salaries and minimum monthly commitment is less than 20% of brutaper capita income. Remembering that it is funding, so it is a debt that you will make. To repay the financing, you have a deadline three times larger than the size of the course. In addition, you must pay an amount of approximately R $ 50 every three months to shoot the final amount of the loan during the period of the course.

Private credit

If you do not fit into the FIES profile (is at the discretion of the Enem or finance), you can achieve the graduation financing with private banks. Virtually all of them do this type of loan - Itaú Unibanco, Santander and Bradesco. The ease varies with the bank. Itaú Unibanco finances up to 50% of the tuition amount, with interest of 6% per year, with more than 90 partner institutions. However, it is subject to credit analysis. Santander already funding the full cost of the course, with interest of 23.4% per year and is also subject to credit analysis. Bradesco funding amounts up to R $ 40,000, interest of 35.28% per year and is also subject to credit analysis.

PRAVALER

The PRAVALER program is funded by companies and some banks. It finances up to 100% of the monthly payment, interest of 22.68% per year However, the interest can be written off if the chosen educational institution makes allowance. With it, you can finance study materials and pay each semester in 12 times, facilitating payment. However, you need not to be in any default in your name and a guarantor with minimum monthly income of twice the monthly price. These are some of the student financing options. Recalling that they are all financing, that is, you should pay the debt when you graduate. So make sure your budget well and his career not to curl up in the future.

Source :  http://blog.mobills.com.br/2015/01/ensino-superior-opcoes-de-financiamento/

Changes in interest and truck's funding limits and buses by Finame PSI (Program of the National Bank for Economic and Social Development - BNDES) should move and bring opportunities to other formats of credit taken, such as consortia and CDC (Direct Credit Consumer).
By December 2014, 100% of the property could be funded by the federal program with rates of about 6%. Released in early 2015, the new Finame PSI provides funding of up to 70% of the goods with interest ranging from 9.5% to 10% per year, depending on the size of the credit borrowing firm. The rest, also limited to 90% of the good, you can get BNDES credit with fixed interest rates of over 15% per year

Although it is still early in determine actual changes in the profile of financing chosen by consumers, Rodobens estimated growth of 15% in their consortium agreements, with a significant portion coming from the truck and bus segment.

"The Finame brought a very strong advantage for commercial vehicles, which were low and very competitive installments. With the new rules, interest was the normality of other market financing options, "says the director of Rodobens Consortium, Ronald Torres Macedo.

"We realized that when we talk about cars and real estate, the Brazilian is worried about being a debtor. In the consortium, it is a creditor. The debtor only becomes when is contemplated, but has killed much of the debt. We also need to show that if the consumer wants, he can have been well before being drawn, giving a bid, "he adds.

Simplified documentation and possibility of longer financing are points in favor of the consortium, supported the general manager of Sales and Marketing at Ford Trucks, Antonio Baltar Jr. "The consortium is an alternative, although we have not yet indices will grow as "he says.

The VP of Sales, Marketing and After Sales of MAN Latin America, Ricardo Alouche agrees, still pointing the lease and the CDC as other alternatives.

"The Finame rates and other financing came. So, I understand that in the medium and long term, something migrates to leasing and CDC. The consortium also happens to be an interesting alternative, since the management fee ranges from 10% to 15%. When Finame was 6%, was expensive. But today I approached and is a simpler and straightforward tool, especially for those who have a fleet renewal program, "he says.

Industry bitter months lost.

The last few months have been difficult for the automotive industry, which is reflected in the truck segment, since despite an increase of 128.1% in production in January compared to December 2014, rising from 3.7000 to 8, 4000, the results are not encouraging. This is because the high is seen on a low base of comparison, since most companies stopped production and gave collective vacations. Compared to January 2014, when they were produced 13,800 units, the drop in production bitter 38.7%.

The figures are from the National Association of Vehicle Manufacturers (Anfavea). "We work with 10% industry and 15% lower than last year. What happened in December truck segments were lost here three months, "says Ford's executive.

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