Incentive bonus was reinvested in the crowdlending

There is something new about the incentive bonus. This bonus, paid to employees in companies that have put in place a profit-sharing agreement, will now be automatically paid into a company savings plan (PEE).

The measure provided will come into force on 1 January 2016. The EPE is a collective savings system that allows employees to build up a portfolio of securities. It can be fed by the collaborator, but also by contributions from his employer, called “contributions”.

Profit-sharing bonuses recoverable within three months

Profit-sharing bonuses recoverable within three months

The amount of the incentive bonus is based either on the company’s results or on the performance elements set in advance such as the achievement of financial objectives or the improvement of productivity.

From next January, if the employee does not request the immediate payment of this premium or, if there is such a device in his company, his assignment to a time savings account (CET) within 15 days after becoming aware of its amount, it will be paid by default on the PEE. The measure applies in the same way for business-to-business savings plans (PIPs), which apply to SMEs.

However, it remains possible for the employee to reconsider his choice within three months of notification of the allocation of the amounts on a PEE (or PEI). He can then recover the amount of the premium in the form of a single payment. On the other hand, if an employer contribution has been paid in addition to the profit-sharing, the rights generated by the employer will be paid back to the company.

Contribute to corporate finance 

Contribute to corporate finance & nbsp;

All companies can set up a profit-sharing agreement, regardless of their size and legal status. If they are awarded to PEE, the premiums that accrue to the employee will be blocked for a period of five years.

That is why it is important to react within three months to benefit from an exceptional release.

The money recovered by the employee can be used to finance the real economy

The money recovered by the employee can be used to finance the real economy

And if he wonders where to put his money, crowdlending, or crowdfunding by the loan, makes it possible to contribute to the development of start-ups and SMEs.

By lending money, the employee of a large group can invest in a small business by financing his projects while earning interest. A double investment … interesting.

10 Reasons Why You Choose A Good Credit Loan

Applying for a personal loan online is no longer new, is it? But you need to be careful and ask for your loan on a reliable website so as not to fall into loan scams over the internet .

If you do not know Good Credit or still have questions if you apply for a loan on our website, we have selected 10 reasons why you should choose your loan here.

1) Good Credit is simple and fast

Have you ever thought about appearing in various financials to know the credit options available to you? This whole process can take a long time.

But good thing that hiring a loan has never been easier: here at Bom Pra Crédito, your loan application is done online, quickly and uncomplicated. It’s simple steps for you to get the money you need in a few hours!

2) 100% Safe and Free

We provide 100% free service, that is, we never ask for any type of deposit or fee collection to release your loan.

Bom Bom Credit is also a 100% secure and protected site with information and navigation security protocols.

3) Simulation without commitment

Do you need money and want to simulate a personal loan? At Good Credit, you can compare personal loan options without compromise.

If you are still not sure about the need, know when to apply for a personal loan . It is important to make this decision as soon as possible, as the available credit proposal may expire .

4) We look for the best loans

4) We look for the best loans

At Good Credit, you will find the personal loan best suited to your needs. With only a single registration, your request is evaluated at the same time by our partners and you have chances of receiving different loan proposals.

It is a simple and quick way to compare loans and hire your loan with the best terms and conditions of the market.

5) We have the best partners

We bring together those who want money with whom they can lend by selecting the best partners in the credit market. Neither of our partners requests payment for loan release. Meet some of our partners here.

6) Quick solution to pay off debts

6) Quick solution to pay off debts

If you are in need of money to pay off debts , be aware that there are alternatives to credit card and overdraft , which have very high interest rates.

The personal loan at Bom Pra Crédito is a quick and smart solution for you to pay off your debts. When it comes to organizing finances , it is much easier to deal with a single loan than with multiple individual debts.

7) We have a complete guide on Personal Loan

7) We have a complete guide on Personal Loan

In order to clarify everything about personal loan, we have created a complete guide with all the information of this type of credit.

In the ” All About Personal Loan ” guide you will find answers to questions such as “what is a credit analysis”, “personal loan agreement”, “payment options”, among other subjects on the subject.

8) We talk about financial education

8) We talk about financial education

The Good Credit Blog was created to help people organize their personal finances for the purpose of contributing to financial growth and the realization of dreams.

We have selected the most sought-after topics on financial education and have addressed the issues of financial life with uncomplicated language. Subscribe to our newsletter and learn about finances!

9) We are always ready to help you

We have Help Center , to clarify the main doubts about the Bom Pra Crédito website. We respond as soon as possible, clarifying doubts and providing guidance on our service.

10) We are news

  • DCI: Good for Credit wants to facilitate loans over the internet
  • Folha de S. Paulo: Fall of the Selic allows debt swap
  • Business Season: Analysis of credit by social networks takes first steps

How to get money to pay off debts?

Are you in debt and do not know what to do to pay off your debt? It is normal to have the feeling that debts have no solution when you have no money. But contrary to what you imagine, paying off debts even in a moment of tightening is possible, yes!

To make matters worse, look for solutions to pay your debts as soon as possible, as they grow quickly and you run the risk of getting the name included in credit protection services, the dreaded ” dirty name .”

Of course, you must have heard the phrase “debt that turned into snowball”, have not you? And that’s exactly what happens when you do not pay the debt, because interest continues to be counted until you negotiate. You already saw that, right?

The longer you take to pay what you owe, the more money you will have to fork out. So do not waste any more time: the decision to pay off your debts is more important than having the money to pay them off. Good Credit gives tips on how to get money to pay off debts:

1) Update on the amount of your debt

No matter how long you stopped paying an account: the amount of debt is no longer the same. To find out the amount of your current debt with late payment interest, contact the creditor and ask for information about the unpaid account, such as days past due, interest percentage, and current debt amount.

You can also request information about trading: do you have cash discount? What are the installment options?

In that first moment, write everything down in a notebook to be able to plan for the repayment of your debt.

2) Make a financial diagnosis

Now that you know the current value of your debt, even if it is in the red, you need to clarify your current financial situation. Did not the credit card get paid? Are you using the overdraft?

Clarify the values ​​and how much money you need to pay off your debts , the amount of your monthly budget (salary + extras) and the main expenses, such as energy and water bills, supermarket, among others.

Financial diagnosis is important in understanding what is going on with your financial health, for example if your spending habits are not in your pocket.

3) Cut Unnecessary Spending

Take advantage of the complicated time to rethink the superfluous expenses. If you have debt, a good way out is to save some of your money that has been spent without any control.

After the financial diagnosis, it is easier to identify what you can reduce or cut, at least until you pay your debts.

You can get out of debt by earning little : you just have the goal to pay off your debts and get rid of debt once and for all!

Take the time to find out what your financial profile is when it comes to spending money and what to do to correct potential failures that hinder your financial growth.

4) Look for sources of extra income

4) Look for sources of extra income

Do you have debts and do not have the money to pay them? A good alternative is to seek sources of extra income and direct the money you earn towards paying off your debt.

And how to do that? Simple: what do you do that can help ensure extra money at the end of the month? You can sell a product or provide a service that helps increase your income at least in the period in which you need to pay off your debt.

How about becoming an individual microentrepreneur? You can have a steady job and undertake at the same time. Take the opportunity to balance your budget.

5) Ask for a personal loan

The easiest way to pay off your debts without having cash is by using a personal loan. In addition to getting the money you need to pay off your debt once and for all, you’ll need to worry about only one installment (on your loan installments).

It is a way to organize and also to balance your budget because the value of the monthly installment comes out less than if you had to pay the installment of all the debts.

Good Credit knows you need a quick solution to pay off your debt: now ask for your personal loan online, 100% free and secure.

6) Anticipate payments to get discounts

Have you negotiated your debts or applied for personal loan to pay off your debts? Whenever possible, anticipate parcel payments to get discounts and thus pay cheaper.

In addition to the discounts, you are more likely to get a new credit later, after you have met your agreement.

You can also do credit portability (debt migration to another bank) if there are more advantages to your pocket.

Do not forget that the payment in day (until the maturity of the installments) is important to not lose the discounts granted in the negotiation.

7) Control finances to avoid new debts

7) Control finances to avoid new debts

Keeping personal finances under control is essential not to incur new debt. So keep track of your spending closely and watch for signs that you are losing financial control .

Start to save money for emergencies if you do not have the habit. You can start by saving a small amount a month and gradually increasing.

And if you need urgent cash, avoid making the most of your credit card and overdraft, as these modes have the highest interest rates on the market. Know alternatives to the credit card and overdraft .

Mortgage Loan

A loan secured by real estate means an obligation performed by the borrower and on which the bank relies as the principal security for the loan. All the exact details can be found on the provided site.

Secured personal loan

For many, the term “secured credit” is not familiar, but very common. If there is an asset in the terms of the loan, in order to repay the loan it becomes secured. At the expense of real estate, the interest rate is reduced, but it has its potential risks, which must be read in advance.

Personal loans have such advantages:

  • They are very easy to obtain due to the inclusion of an asset in the contract;
  • even a bad credit history will not affect the disbursement of funds;
  • low interest rates;
  • no need to specify the purpose of lending.

The most common asset used for financing based on assets is a credit line.

If you want to buy a living space, but you do not have the funds to pay for this huge purchase in full, you can apply for a mortgage loan by going to a lender who will provide you with the necessary amount of money to close this purchase. Then you pay the lender each month the amount of the collateral, plus interest.

In case of non-payment of credit funds, the lender has the right to recover property to recover their expenses. This is the “secured” part of the contract, and the reason why the lender is willing to provide such a huge amount of money.



Loans secured by real estate, is very beneficial for the lender in the first place, but it has its advantages for the borrower. It usually has favorable interest rates, and most of the mortgage interest is deducted from taxation.

A secured loan must be signed, and accordingly for its registration it is necessary to go to the bank in order for the experts to check your credit history and decide whether they can give you money or not.

A secured loan has low interest rates and can be issued for a long time. Funds can be borrowed to the maximum, which means that the lender is ready to provide you with the full amount of money necessary for the purchase of real estate. A report on your positive credit history will only speed up the transaction and bring 100% positive results.

Loan Simulator: Simulate and compare rates

If you have doubts about whether a loan is the best solution to pay off debts , remodel the house and even pay for a trip , know that a loan simulator can make your decision easier.

With interest rates varying between 0.24% and 22.30% per month, according to data from the Central Bank (BC), in the period consulted (April 24, 2018 to May 4, 2018), the personal loan may leave cheaper than other types of credit, such as overdraft .

Besides the chances of saving for the pocket, personal loans are one of the options to organize personal finances : you stay in the blue and choose the portion that fits in your pocket and does not detract from the budget.

Understand what is personal loan interest rate and how a personal loan simulator works for you to compare credit rates. Want to stay on top of everything about personal loan? Read our full guide now .

How does the personal loan interest rate work?

How does the personal loan interest rate work?

The calculation of the personal loan interest rate is done with compound interest. Unlike what happens with simple interest, where the interest rate falls on the initial value, the compound interest rate is on the current value, that is, plus interest from the previous month.

This means that the lower the amount of installments, the cheaper a personal loan comes out . Compound interest is also used in investments.

Understand the difference between simple interest and compound interest by comparing the balances in the table:

Online Loan Simulator – Easy and Fast

Online Loan Simulator - Easy and Fast

You can simulate a personal loan simply, quickly and online at Bom Pra Crédito. And the best: free!

With just a single registration, you have chances of receiving different personal loan proposals, compare rates and choose the best loan for your pocket.

Bom Pra Crédito is 100% free. Do a credit simulation online now.

Loan simulator in Excel

Loan simulator in Excel

To simulate a personal loan, use the formula VF (future value) in Excel. It’s simple and fast. Fill in the fields Rate (include the number and percentage symbol), Nper (period number in months) and VP (present value, ie amount requested in the loan request).