Mortgage with Property Assurance: How does it work? How to make?


Mortgages, mortgages and mortgages Itaú, this seems like a verse but it is not, but if you are literally in the red and do not know how to get out of it, maybe mortgage financing Itaú is an advisable solution. Are the bills huge and finding a way out seems impossible? Calm down there are alternatives that can help you keep your bills up and breathe easier. The mortgage for real estate can help you get the money you need with low interest and proper rate. Itaú bank works with this modality.

Also known as collateral or real estate credit, refinancing, you then place your property as collateral for payment and get the personal loan with lower interest.

Regulated in the country in 2006, banks and financial institutions end up offering lower interest rates than others offered in the market and long terms to repay the debt, which makes this financial product attractive.


Mortgage conditions and rules

Mortgage conditions and rules

The Itaú mortgage has rules and conditions , so the client needs to be aware before mortgaging his home to get money. In 2017, Itaú surpassed Banco do Brasil thus becoming the largest bank in Brazil! And there are several services provided by him, from loans, credit card, personal loans, and of course the mortgage. The Bank counts on several agencies spread throughout the country, so to negotiate with them is not that complicated.

When choosing to realize the mortgage in Itaú , it is worth mentioning that the bank will only release this service for Personalité clients. The property must be removed and without any financial problems. After looking at the documents presented, he will do a credit analysis, as well as the conditions of the property, only thus is released the loan to the client. Stay tuned for the rules:

1- The loan is up to 60% of the value of your property, and the release is from R $ 30 thousand up to R $ 2 million;

2-Interest from 1.15% per month;

3-Installment in up to 20 years (240 installments);

You do not have to personally go to Itaú to find out how it works. At home it is already possible to make a simulation of the value of installments and payments.

When is it good to mortgage property?


When is it good to mortgage property?

This form of credit still scares many people. Even if outside the country is a common practice, people in Brazil have gradually made use of this financial product. It is indicated to be used with caution, from paying a debt that has accumulated, even to opening a business, or even doing projects like building a new property. So you do not have to dispose of your assets to get the financial resources. When used with planning there is no reason to be scared. So it is advantageous yes.

Of course. If you do not pay the installments on time, delay, really the bank can take the property from you, and just think that is embarrassing, is not it? Making the mortgage Itaú is indicated when you really need it, and especially high values, otherwise you better get a personal loan if the value is not so high. Even because, in doubt it is better to pay a little more interest than to run the risk of losing the property.


There is no reason to fear using this financial product. But of course, it should be used with caution and planning and opt for it when you really need it and there is no other solution other than to place your property as collateral . When you make the Itaú mortgage, you will be opting for lower interest rates in the financing market, that is, compared to other types of loans, the interest rates are much lower, so it is worth doing without counting the payment time.

But it is important to organize your financial expenses, put everything on paper, and see if you will manage to pay that account that is long! Also because if you do not pay Itaú you can take the property from you. This is not their goal, but they are judgmental when payment does not occur.

Of course they will try negotiating but it is not worth it. Imagine just thinking about running out of your home? What a situation it is not! Caution, organization, planning, and aimed at people with very large debts, then yes it is worth doing this negotiation.


The Best Lending Platforms for Investors



P2P loans are becoming increasingly popular in Brazil. One of the biggest reasons is the lower interest rate for borrowers, but this is not the only point that is contributing to the popularization of this financial modality. Briefly, a P2P (or peer to peer ) loan is a kind of collective loan without a bank – hence the lowest interest rate. Two parties are involved in the process: the borrowers and the investors.

For you to understand better, the borrowers are usually legal people, but also physical in some cases, who are in search of financial resources. Investors are individuals who have the money to invest and seek good profitability. So, in this modality, it is not a bank or a financial institution that makes the loan, but a real person: the investor.

It was in 2011 that P2P loans began to grow in our country and today some companies in the sector are already well established. Remember that it is not the company that makes the loan, but the investor. These companies, also called platforms, then only do the intermediate between the borrower and the investor.


What are the advantages and risks of investors?


What are the advantages and risks of P2P for investors?


Banks and investment funds guide their investors about their solutions, but pay much more attention to fees and interest rates than to the product, which is the most important in this modality, either through internal policies or even conflicts of interest. In a P2P loan this does not happen. It is the investor who chooses and directly controls their investments, accessing a portfolio of companies that seek financing and can decide on what to invest.

However, as with any other investment, peer-to-peer lending also risks investor and consumer credit default, although it is lower than in other types of higher-interest credit. However, investing in P2P loans brings many advantages to the investor such as excellent annual returns and great diversity of options to invest.

From this perspective, the portfolio of a peer to peer investor becomes essential for it to have good results. It is necessary to balance risk and profitability in order to guarantee the expected performance. The portfolio of a good peer to peer investor should consist of both more traditional and secure investments as well as more innovative and profitable options.


The 3 best loan platforms for investors


The 3 best loan platforms for investors


The idea of peer-to-peer platforms is to connect companies and individuals to investors with the least possible bureaucracy, without abusive fees, 100% online, quickly, securely and efficiently. Today, we will present the main P2P loan platforms focusing on the investor experience.

Next, you check out the top peer to peer lending platforms in Brazil and what an investor needs to know about them.



Nexoos is one of the best options for investors who want to complete their investment portfolio. More than R $ 25 million have already been financed by the investors of the platform that strongly supports entrepreneurship and small and medium enterprises in Brazil.

Check out the main features:

  • Return variation under investment: from 18% to 36% per year
  • Monthly payments: yes
  • 100% online
  • Minimum investment amount per company: R $ 2,000.00
  • Possibility to choose the companies to invest: yes


Connect, simplify and improve your financial life. This is the proposal of Biva. The investor can control all your finances from wherever you want in a friendly and robust online control panel. To date, the platform has already granted more than R $ 35 million in loans and has more than 10 thousand registered investors.

Analyze the main characteristics of Biva:

  • Return variation under investment: from 22% to 25% per year
  • Monthly repayments: yes
  • 100% online
  • Minimum investment amount per company: R $ 5,000.00 for new investors and R $ 2,000.00 for investors who have already added at least R $ 10,000.00 invested in Biva

Tutu Digital


In order to innovate in the area of ​​financial services and to make the investment market more efficient, Tutu Digital also bets on P2P loans and seeks to impact, mainly, micro and small companies, which now represent around 51% of the country’s wage bill.

See how Tutu Digital works:

  • Variation of return under investment: up to 200% of CDI
  • Monthly repayments: yes
  • 100% online
  • Minimum investment value per company: R $ 1,000.00


Final considerations


Final considerations


Savings, Treasury Law and CBD are the most common investment options. The average annual yields are 9%, 14% and 13%, respectively. Any P2P loan platform offers higher returns and, consequently, lower default risks.

In peer-to-peer loans, both borrowers and investors gain. The first group benefits from lower rates and the second group has larger returns.

This type of credit doubled in volume between 2015 and 2016 and is expected to increase its size by 2020. If you are an investor looking for an excellent option to increase your profits, try P2P loans today!