Dr. Finance – a specialist in personal finance – earned 8 million last year and plans to reach 11 million euros this year. There are 211 workers in the team, with a 100% flexible business model. By the end of the year, another 20 will be employed. financial literacy, technology, human resources, data scienceand communication and marketingare the areas with vacancies.
How do you respond to rising mortgage interest rates?
with work. We have to negotiate, renegotiate, negotiate and so on. You need to know what to do to improve your financial life, what you can negotiate with the bank and how to negotiate Spread🇧🇷 We’ve had low interest rates historically, which has never happened before. However, the market has started in the right direction and we are at levels between 2% and 3%. Interest rates have never gone up significantly before.
How do you rate the Measurements What the government announced last week regarding banks having to renegotiate housing loans?
I always rate positively. When there is a problem and there are many entities that you want to solve, this is a really good start. There is concern to help overcome this moment that will be even more difficult for families.
Will customers be ‘flagged’ for credit renegotiations? Could they be harmed in the future?
I hope not, but there are doubts. It makes no sense, because banks live on good customers and financial institutions will help customers not to default. The concern about rising interest rates is not whether more or less are being paid, but whether people can continue to pay their responsibilities.
Is a significant increase in defaults expected as interest rates rise?
Currently, the data says: Recently, not as much credit has been given as now, we have observed months with more than 1 billion euros in credit. There was never a little non-compliance. Banks’ actions and ours will set the rules, whether or not there are a lot of people in default. there will be? Yes, it is impossible not to have it, but we are more prepared.
What is the best way to renegotiate a home loan?
Understand my terms, consider credit and debt and Spread delete. Then go to the banks and understand what the market is doing. Last month we had more than 2,200 housing loan cases and put 336 million euros in banks. Last year we helped nine thousand people.
What is the best way to renegotiate a home loan?
It will end up happening. Banks pay more interest when there is less liquidity and there is a large surplus. So there’s still a long way to go, and it’s not going as fast as you’d like.
What strategies can families adopt to respond to the increased credit burden and cost of living?
Set a budget and achieve what you spend more money on. We must ask ourselves: if I pay 500 euros for housing, can I reduce the amount? Perhaps there is an option in the market where you can pay less.
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