The economy’s basic interest rates continue at 13.75% per year, which makes life difficult for Brazilians who take out loans or who are in debt, and end up getting high installments to pay. Furthermore, according to data from the Central Bank of Brazil, in February 2023, the average interest rate for personal loans in the country was 53.9%/year.
To escape this reality and get reduced installments or even less pain in your pocket through general discounts, get to know reliable apps that are changing lives:
1. Cons | Rfee and installment reductions | @konsi.app
The Konsi application generates interest reductions and better installment conditions, even for existing debts and loans. In addition to obtaining portability between banks, for the reductions, users can even earn financial returns while settling their debts.
There are already more than 40,000 satisfied users on the Konsi platform, as is the case of Alex Sandro, 44 years old, public servant of the Government of São Paulo, who had his installments of R$ 2,216.84 reduced to R$ 1,898.62 thanks to to the app – total savings of BRL 23,548.28 for him. The algorithm simulates multiple operations with a focus on bringing the best scenario to the customer and ending bureaucracy.
Since its launch, the application has already intermediated more than 26.8 million in banking operations and has already saved more than R$ 500,000 in the pockets of Bahians. Konsi’s CEO, Paulo Fontes, claims that the company does not charge anything from users and only receives from the bank that offers the best option to the public, in a win-win relationship. With more than 1,800 operations performed in Bahia, Konsi is expanding its services to other regions of the country.
2. Hourly Price Bahia | To find the best prices on products in Bahia
The Price of Hour Bahia was a government initiative, through the Ministry of Finance, to provide the population with a tool that helps everyone save money on their purchases. The app allows citizens to know the recent prices of more than 500,000 products sold throughout Bahia.
A great novelty of the application in the new version is the “Best time” function, which informs about the movement of the supermarket during the day through a graph, so that the consumer can plan and go to the establishment at the time when there is less movement and avoid queues and agglomeration.
“If you know where the lowest price is, you can save. And the application was created with the aim of helping Bahians from all municipalities to buy better”, said Jadson Bittencourt, director of Information Production for the minister. Bahia State Farm (Sefaz-BA).
The tool has been widely used and users are constantly giving suggestions for improvements. One of them is to streamline the search process for popular products, which was implemented in the new version.
Neither the consumer nor the trader needs to register in any way, it is enough to issue the badges that comply with the tax obligation, execute the tax document and this file is immediately available.
3. Serasa Consumer | To check your name and solve problems | @serasa
The Serasa Consumer application offers an easy and free way for the user to check if their name is “dirty” and offers the possibility of solving it if there is a problem. In addition, the app allows the user to contact debtor companies, providing information for debt renegotiation. Some companies even provide payment slips through the app.
SerasaConsumidor also offers a CPF monitoring option, Score analysis, and sending reports and alerts for queries made on your behalf. This functionality is an excellent tool to prevent fraud, allowing the user to always be aware of any suspicious movements in his account. With the help of the app, you can always be aware of your finances.
4. Box Fies | For student debt | @box
Caixa Econômica Federal has just announced a new tool to help renegotiate the debts of students who have taken out Student Financing (Fies). This is the Fies Caixa application, which will enable the refinancing of overdue installments with discounts of up to 99%.
The app offers students access to their contract information, allowing them to check whether their financing is suitable for renegotiation, simulate options and choose those that best fit their financial profile. In addition, Fies Caixa users will also be able to check the status of their negotiations and generate slips.
5. Open Debt | Debt Check | @governodobrasil
The Attorney General’s Office of the National Treasury (PGFN) developed the Open Debt application, which aims to present the list of debtors registered in active debt of the Union or of the Severance Guarantee Fund (FGTS) who are in an irregular situation.
The irregular situation refers to debts that are in the process of being collected by the PGFN from the debtor. On the other hand, debts in good standing are those whose amounts have been paid in installments, guaranteed, suspended by court order or which are under negotiation between the PGFN and the taxpayer.
The Dívida Aberta application allows the consumer, by reading the QR Code of the invoices issued, to check if the company has outstanding debts in an irregular situation.
