Glossário
A
Amortização
É o processo de amortização gradual do empréstimo por meio de parcelas regulares, que incluem parte do valor principal e juros.
B
Banking domicile
It is the bank account designated by the borrower to receive the installments and make the payments related to the loan.
Billing notice
It is a notification sent to the debtor to inform him about the maturity of a portion of the loan and request payment.
Borrower
It is the individual or legal entity that requests and receives a loan from the lender, assuming the responsibility of paying the amount borrowed according to the agreed conditions.
Bureaucracy
It refers to the set of procedures and administrative procedures necessary for the granting and registration of a loan.
C
Risco de crédito
Refere-se à probabilidade de inadimplência ou não pagamento de obrigações financeiras pelo tomador do empréstimo, levando em conta seu histórico de crédito e sua capacidade de pagamento.
D
Salário
É o valor total do empréstimo, ou seja, a quantia de dinheiro que é realmente emprestada ao mutuário, excluindo juros e encargos.
Salário
É a data em que uma parte do empréstimo deve ser paga pelo mutuário. O não pagamento até a data de vencimento pode resultar em multas e juros adicionais.
E
Enforceability
It refers to the condition in which a loan becomes chargeable, that is, when the installments must be paid according to the established term.
F
Financial burden
G
H
I
Interest
They are the additional amounts charged on the loan amount, representing the cost of the borrowed money, usually expressed as a percentage of the total amount.
Interest rate
It is the percentage applied on the loan amount that the borrower must pay to the lender as a form of remuneration for the loan.
Insurance
Credit insurance is protection for a lender in case a borrower defaults on a loan.
J
K
Conhecimento
É o conhecimento especializado ou expertise em uma determinada área ou setor, que pode ser considerado um ativo valioso para a concessão de um empréstimo.
L
It is the action of making money or financial resources available to a person or company, through a contract, which must be paid with interest and within a certain period.
M
Mútua
É um contrato no qual uma pessoa empresta dinheiro a outra, que deve devolver o valor emprestado com juros em um determinado prazo.
N
O
Atrasado
Refere-se às parcelas do empréstimo que venceram e não foram pagas pelo devedor dentro do prazo estabelecido, caracterizando a inadimplência.
P
Payment Guide
It is a document that contains the information necessary to make the payment of a portion of the loan, such as amount, due date and bank details.
Personal loan
It is a type of loan intended for individuals, which can be used for various purposes, such as payment of debts, purchase of goods or services, among others.
Portion
A loan portion can refer to a specific part of the total loan amount.
Pawn
It is a judicial act that allows the blocking or seizure of the debtor’s assets as a form of collateral for the payment of a debt, including loans in arrears.
Pre-approval
It is a preliminary assessment conducted by the lender to verify the eligibility of the borrower based on basic information, prior to the final approval of the loan.
Q
R
Report
Evaluation report – A loan report is a document that summarizes the details and activity of a loan, such as the balance, interest rate, and payment history.
S
T
Term
It is the period of time established for the total repayment of the loan, including the payment of the installments. The term may vary according to the type of loan and the agreed conditions.
U
Usura
Refere-se à prática de cobrar juros excessivos ou abusivos em um empréstimo, excedendo os limites legais estabelecidos. A usura é proibida por lei em muitos países.
V
W
Working capital
It is a type of loan intended for companies to finance their daily operations, such as payment of suppliers and salaries.