Savings is the most common investment in Brazil , because it requires a low investment value , has daily liquidity (although there is a loss of profitability when withdrawals are made outside the anniversary date), tax exemption for individuals and guarantee within the FGC rules.
The return is calculated in two ways: when the Selic rate is 8.5% or less, the return is 70% of the Selic rate plus TR; if the basic interest rate is above 8.5%, the return is 0.5% per month plus TR.
Agribusiness Letter of Credit (LCA)
This title is issued by financial institutions to finance agricultural activities. It is covered by the FGC and the risk is borne by the financial institution and in the event of default by the bank. The harvest poland whatsapp data is pledged by law to the final investor, who can request ownership of it from the judge.
Another similar investment is the Real Estate Credit Letter (LCI), which works in a similar way, but is intended for real estate transactions.
Assets
This category includes targeted and free resources . They can finance sales, working capital, contingencies, trade finance operations, leasing, and long-term operations and transfers.
Discounting of duplicates
A duplicate is a credit document issued by a company that can be discounted by the bank due to the commercial and credit relationship. The objective is to advance amounts from a sale on credit. For this, a linear and advance discount rate is charged.
Taxation is IOF and formalization occurs through a Bank Credit Note (CCB).
Vendor
This is a fixed-term loan based on a commercial transaction. The rate may be pre- or post-fixed and collateral is required. The main collateral is the promissory note, which may be supplemented by invoices, fiduciary transfer of the asset, pledge, among others.
Vendor financing is an operation that helps the company gain a competitive advantage , because the bank provides financing and there are tax savings, since the calculation basis is the cash sale value. It is most commonly used by sales financing programs for large companies.
Working capital financing
Working capital is the amount of money a company needs to carry out its daily operations. This type of loan is short-term and has a fixed term, and may include partial repayments.
The guarantee is the promissory note, which can be supplemented with duplicates and fiduciary alienation of assets worth more than the amount borrowed.
credit card
The bank issues the card, which offers the buyer a longer term and convenience as a payment method. In addition, it can generate other credit products. One of its advantages is the promotion of financial inclusion.
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All of these financial products are interesting options for individuals and/or legal entities. It is important to analyze each case and see which one fits you.
This is still an important area of study. Saint Paul offers undergraduate and specialization courses ( MBA ) that will complement your knowledge and delve deeper into the subject.