O Banco Pan tem uma risca de empréstimo consignado que pode ser contratada diretamente pelo celular e está disponível para diferentes perfis de consumidores.
Para saber o crédito consignado do Banco Pan e saber porquê contratar pelo site ou aplicativo da instituição, continue acompanhando o texto aquém.
Porquê funciona o empréstimo consignado do Banco Pan?
Assim porquê qualquer outro empréstimo consignado, o do Banco Pan tem as parcelas descontadas diretamente da folha de pagamento. Com isso, o banco pode oferecer juros mais baixos, já que há menos riscos de inadimplência.
No caso do Banco Pan, a taxa de juros varia de 1,20% ao mês a 3,70% ao mês, dependendo da nascente pagadora, e o prazo para pagamento fica entre 12 e 96 meses.
Em relação aos valores disponíveis para contratação, o mínimo que se pode contratar no consignado do banco é de R$ 500. Enquanto isso, o valor supremo da parcela varia conforme a situação do contratante, pois depende da margem consignável liberada para o consumidor.
Quem pode contratar o empréstimo?
O empréstimo consignado do Banco Pan está disponível para as seguintes categorias:
- Aposentados e pensionistas do INSS;
- Servidores públicos ou pensionistas de órgão públicos;
- Militares ou pensionistas das Forças Armadas.
No entanto, é importante realçar que é preciso ter convênio com a instituição financeira que estiver ofertando o empréstimo consignado.
Aliás, o aplicativo do Banco Pan também oferece a opção de crédito consignado para trabalhadores CLT e autônomos. Nesse caso, porém, o empréstimo é vinculado ao FGTS.
Porquê contratar o empréstimo consignado do Banco Pan?
Para contratar o consignado do Banco Pan, basta seguir o passo a passo aquém:
- Baixe o aplicativo ou acesse o site do Banco Pan;
- Em seguida, selecione a opção “Quero um empréstimo”. Mas é importante estar com seus documentos em mãos para seguir em frente;
- Na sequência, selecione o seu perfil e preencha o formulário para simular um empréstimo;
- Depois disso, o Banco Pan irá fazer uma estudo para definir uma proposta de crédito;
- Em seguida a estudo, o banco irá apresentar a proposta e as taxas. Se concordar, clique para Contratar que o Pan enviará um SMS com o contrato final;
- Em seguida, o Banco Pan fará uma estudo do pedido e aguardará a aprovação do convênio, o que leva de 2 a 5 dias úteis;
- Por término, se estiver tudo claro, o moeda cairá em sua conta.
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