O que é procedimento de liberação de crédito

What is the credit release procedure?

The credit release procedure is the process by which a financial institution assesses the ability of an individual or company to obtain a loan or financing. This process involves analyzing various factors, such as credit history, income, guarantees offered, among others.

Fixed Income Simulator

Compare CDB, LCI, LCA, Tesouro Direto e Poupança em segundos

Preencha os campos abaixo com o valor que pretende investir, o prazo e o produto desejado — depois clique em Simular agora para ver o resultado completo com gráfico e comparativo.

CDI / Seliccarregando...

IPCA (12m)carregando...

Savingscarregando...

Valor inicial (R$)

Aporte mensal (R$)

Deadline

Tipo de rentabilidade

Taxa

% CDI

CDB: incide Regressive income tax (22,5% até 180 dias → 15% acima de 720 dias) e IOF nos primeiros 30 dias.

Type

Taxa

% CDI

LCI/LCA são isentas de IR para pessoa física — ótimas para médio e longo prazo.

Title

Spread / Taxa extra

% a.a.

Tesouro: incide IR regressivo + taxa de custódia B3 de 0,20% a.a. (já incluída na simulação).

Com Selic acima de 8,5% a.a.: rende 0,5% ao mês + TR. Com Selic ≤ 8,5%: rende 70% da Selic + TR. Isenta de IR.

Como usar: preencha o valor que pretende investir, defina o prazo e escolha o tipo de investimento nas abas acima — depois clique em Simular agora para ver o resultado completo com gráfico e comparativo.

Documentation required

In order to start the credit release procedure, a series of documents must be presented, such as proof of income, bank statements, personal documents, etc. This documentation is essential so that the financial institution can assess the applicant's ability to pay.

Credit analysis

Once the necessary documentation has been submitted, the financial institution carries out a detailed credit analysis. In this process, various aspects are assessed, such as credit score, payment history, outstanding debts, among others. Based on this analysis, the institution decides whether the loan will be granted and what the conditions will be.

Approval and hiring

After the credit analysis, if the applicant meets the criteria set by the financial institution, the credit is approved and the conditions are presented. If the applicant agrees to the conditions, the contract is signed and the credit is released for use.

Guarantees and risk assessment

In some cases, the release of credit may be conditional on the presentation of guarantees, such as real estate, vehicles or guarantors. These guarantees serve as a form of protection for the financial institution in the event of default by the applicant.

Credit revaluation

After the credit has been released, the financial institution may carry out periodic reassessments of the client's financial situation. These reassessments may result in adjustments to the credit conditions, such as increasing or reducing the limit, renegotiating terms, among others.

Conclusion of the procedure

The credit release procedure is essential for ensuring that financial resources are used responsibly and sustainably. By following the steps in this process, both the financial institution and the applicant can guarantee a healthy and transparent relationship.