Health professionals are directly related to people working in the profession involved with the health sciences. Although they are ordinary people like us, where do doctors, nursing technicians, nurses and nurses, ward assistants and hospital workers, health posts, and many others get personal loans? Simple, in the bank where you have an account, in the payroll and in the special loans for these professionals offered by state banks and NGOs.
Having a steady and stable job or a profession with a high degree of status is not a guarantee of a current budget. Have you ever heard someone say that old maxim, “The more you earn, the more you spend”? Yeah. Even if you have a well-recognized profession in the market, such as a doctor or a nurse in a position in a public or private hospital with a good salary, these health professionals may not have their finances in order.
A recurring problem is the cost of courses to improve the techniques that the profession requires. They can end up having a very high cost and therefore end up hogging a large part of the salary. Personal credit for dentists is a good example of help.
We can not forget that for one reason or another at the time of financial tightening or imbalance, there are two magic words that can be the solution (or increase) of all financial problems: credit and loan. Before leaving in desperation by asking for an easy personal loan for the first bank to hear about – or worse for a loan sharks – it is interesting to take a look at the modalities of “personal credit for doctor” and ” personal credit for health professionals ” such as nurses .
Personal credit for health professionals
An example of an advantage that the health professional can have is to use the specific credit modalities for professionals from different areas of health and to obtain personal credit for professionals. Banco do Nordeste do Brasil offers a number of these credit lines.
Using as a source of funds for the loan, the Workers’ Assistance Fund (FAT) offers a limit on the value of granting personal credit to somewhat larger health professionals , unique to doctors and nurses, and so on. If in other cases this amount can reach R $ 20 thousand, in the case of these professionals who work in the health area the amount borrowed can be up to R $ 40 thousand.
Personal credit is made for the purchase, investment in goods and services inherent to the activity carried out by the professional, such as equipment purchases and structural reforms. For example: meeting the needs of working capital, a type of loan for individuals and legal entities.
The deadline for payment of the personal credit can be up to 36 months, it still has 6 months grace period. The charges include the Long-Term Interest Rate (TJLP) plus the effective rate of 2.44% per year for operations that have a guarantee and 3% per year for other cases.
If the debt was due to higher education, as is the case of medical or nursing students who use the Fies Student Funding Fund (FIES), the good news is that now the health professional can try to pay off this debt without needing if they curl up with others or even run after personal banking credit made crazy.
There is a proposal from the federal government that those doctors who choose to work in Primary Care in one of the 2,282 municipalities defined by the government may have up to 100% debt relief with the FIES. Newly graduates are also included in the proposal: those residing in one of the 16 priority areas will be extended in the FIES grace period. Want to know more check out the Banco do Nordeste do Brasil (BNB) and UNP Medicine course.