Personal catalogue
Every solution for you
14 products across 4 families. Each has its own page: what it is, when it makes sense, what you will need and how to start.
Property
5 products
Lowest rateHome equity
A loan secured by a property you own outright, at a rate far below personal credit.
Ver o produto
Biggest savingMortgage
A house or an apartment, new, resale or off-plan, with the terms compared before you sign.
Ver o produto
Construction and renovation financing
Credit released in stages, as the build advances on land you own.
Ver o produto
Consórcio
Property, vehicle, renovation, travel or services, with no interest, only an administration fee.
Ver o produto
Loan portability and refinancing
Take your financing to another institution and pay less for the same debt.
Ver o produtoPersonal credit
2 products
FGTS birthday withdrawal advance
An advance on the yearly FGTS instalments you are already entitled to, with the balance itself as collateral.
Ver o produto
Personal and payroll-deducted loans
The instalment deducted straight from your payroll or your benefit, at the lowest rate in unsecured credit.
Ver o produtoVehicle
2 products
Auto equity: credit secured by your vehicle
Your paid-off car as collateral: money fast, at a rate well below personal credit.
Ver o produto
Vehicle financing
A car or a motorcycle, new or used, with the vehicle as collateral and a negotiable down payment.
Ver o produtoProtection and future
5 products
Life insurance
Financial protection for the people who depend on you, with versions that give back part of what you paid.
Ver o produto
Home insurance
Fire, theft and electrical damage, with locksmith, plumber and electrician included.
Ver o produto
Private pension plans
PGBL and VGBL with tax benefits, monthly or single contributions, and portability of old plans.
Ver o produto
Foreign exchange and international transfers
Sending money abroad, for studies, property or family, and receiving from abroad, with the spread compared.
Ver o produto
Cards, digital account and investments
More limit and better benefits on the card, an account with no fees, and idle money earning something.
Ver o produtoHow it works
Four steps, from first contact to the money landing
You tell your story once, instead of repeating it at five banks.
Diagnosis
Fifteen minutes, no commitment and no cost. I map the goal, the numbers and the collateral available.
Structuring
I pick the institutions with appetite for your profile and build the proposal the way a credit committee needs to read it, the same defence I used to make from the inside.
Comparison
You receive the offers side by side: rate, term, collateral, total effective cost and what each one requires.
Signing
Digital signature and follow-up until the funds are released and, where it applies, the deed is registered.
Some of the institutions available
Next step
Tell me your goal. The simulation is free and takes fifteen minutes.
If the best offer is the one you already have, I will tell you. If it is not, you will know exactly how much you were leaving on the table.