Coopserj

Features Coopserj

Aiming for greater proximity and transparency, we developed this application so that our members can have access to all the benefits without leaving home, such as: simulation, contracting and monitoring of loans, agreement monitoring, registration updates, balance sheet, partners and news.Our lending guidelines:• minimum payment period of 61 days• maximum term of 36 months• Monthly interest rate: from 0.99% to 2.5%• Maximum annual interest rate: 30%• CET p.a.
(Total Effective Cost per year) maximum applicable: 34.80%Practical example: loan of R$1,000.00 taken out in the NORMAL modality in 06 installments• Net value: R$1,000.00• Number of installments: 06• IOF: R$17.26• Estimated monthly payroll deduction: R$181.61• Estimated amount financed: R$1,017.26• Total value of the loan to be paid by the partner at the end of the contract: R$1,089.64• Interest rate: 2%• CET a.m.
(Total Effective Cost per month): 2.11%• CET p.a.
(Total Effective Cost per year): 28.48%IMPORTANT NOTE: the values ​​reported are subject to variations, depending on the grant date in relation to the date of the first payment.