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.