Bradesco Loan: everything you need to apply for yours now!

Know Everything about Bradesco loans, check out the types, terms and how to easily apply!

Banco Bradesco offers several loan options that will meet each client's objectives, such as real estate credit, vehicle financing, payroll loans, personal loans, university loans, among others.

Below we will talk a little more about some of them, continue reading and find out more details about all of them.

Real estate credit

Home mortgage loans offer a value of up to R$1,500,000.00. The client has access to a financing system of up to 80% of the total value of the property, in addition to a term of up to 30 years to pay. 

Furthermore, it is possible to request it for both new and used properties, and the installments start at R$200.

• Choose between SAC or TP;
• Credit line: SFH;
• Possibility to choose new or used properties;
• Installments starting from R$ 200.00;
• You can use your FGTS;
• You can commit up to 30% of income.

As for the residential areas of R$1,500,000.01 to R$ 5,000,000.00 some rules change:

• Choose between SAC or TP;
• Credit line: market rate;
• New or used properties;
• Installments starting from R$ 200.00;
• Without using FGTS;
• Updated installment, that is, the installment amount is adjusted monthly.

Vehicle financing

For vehicle financing, the financed amount may be up to 100% of the value of the vehicle, with a 60-month term to pay and the first installment must be paid 60 days after the contract is signed.

This type of financing is available for vehicles up to 12 years old and new motorcycles or motorcycles up to 6 years old. The installments will be automatically debited from the customer's account. With this financing you can:

• Finance up to 100% of the vehicle value;
• Up to 60 months to pay;
• Pay the 1st installment within 60 days.

Consigned credit

The payroll loan is a Bradesco loan exclusively for public employees, retirees and pensioners. 

One of the great advantages is the long term to pay off the debt, up to 8 years. In addition to the first installment having a 90-day term, there is the option of making the request through the Bradesco bank app. 

• Your first installment can be paid in up to 120 days;
• Up to 8 years to pay off your loan;
• Rates from 1.26% am;
• You don't need to be a current account holder or receive your benefit through Bradesco.

Personal credit

O personal loan It can also be done through digital channels. It is recommended for those who are looking to get money faster, one of its great advantages is that there is no need to declare the destination of the money. 

The deadline to start paying is 90 days and you have up to 4 years to pay it off. It is worth mentioning that it is up to the customer to choose the best date for paying the installments, and from which account the automatic debit will be made.

Advantages: 

• There is no need to prove what the destination of the requested money will be;
• Has flexibility in negotiating conditions.

University Credit

Another service that Bradesco offers is university credit, which is intended for students who are at university. 

The money requested can be used to pay the amount charged for the semester's monthly fees, and the term to pay it off is up to 12 months. 

It is important to mention that this benefit is only valid for institutions that have an agreement with Bradesco. If the applicant is a minor, the credit contract will be made in the name of his/her legal guardian.

Recruitment

It is very easy to request the services mentioned above, they are all available on Bradesco official website. 

Furthermore, for those who are already account holders and have the cards, they can request it through the application available for iOS and Android smartphone users.

Required documents

The documents you need to have on hand when applying for a loan are:

• ID;
• CPF;
• Proof of address;
• Proof of income.