Several families are forced to seek alternatives to pay the bills and ensure financial stability. One of the main ways to secure this money is to take out a loan. There are several modalities, with different rates and even availability for negatives.
Some financial institutions make pledge available as a loan option. In this model, the individual takes a valuable asset and the bank analyzes the possibility of the credit operation and the values. The item is left under warranty.
If possible, the customer leaves with the money on the spot. In addition, there is the possibility of contract renewal, that is, the pledged object can stay longer. Items that can be pawned are:
- value pens;
Where and how to apply for this loan?
In this post, we will tell you how to apply for the loan by pledge. The most recommended institution for realization is Caixa. Making the request is described below:
- First, it is necessary to access the Caixa website;
- Then check which nearest agency offers the service;
- After that, it is necessary to apply in person and analyze the offers.
According to the institution, there is an evaluation and, if accepted, the money can go out on time and can reach up to R$ 100,000. Upon request, if payment is delayed by up to 30 days, the bank may auction the object. When you manage to pay off the debt, the item will be returned to the customer who requested the loan.
The documents required for the process are as follows:
- Proof of address.