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Do you know how much it costs to get married in a civil ceremony? Is this expense within your budget? Read on to find out!
The number of divorces in Brazil hit a record in 2021, the total has been growing since 2015. In addition, the number of marriages fell 26.1% in 2020, according to data from IBGE.
Despite this, the magic of love is still in the air and the number of people who get married is still greater than the number who get divorced.
According to the IBGE (Brazilian Institute of Geography and Statistics), one divorce occurs for every three marriages. Therefore, many people still dream of getting married and want to find out. How much does it cost to get married in a civil ceremony?.
In today's text, you'll discover the answer to this question and even find solutions if you're on a tight budget but in a hurry to get married.
Check it out!
How much does it cost to get married in a civil ceremony?
The cost of a civil wedding varies by state, city, registry office, or region. To find out the exact price, contact the registry office in your city.
Values usually vary between R$$500 in large cities, but in small cities it does not exceed R$$200.00.
If the bride and groom wish to have a civil marriage outside of a registry office, the debt can exceed three times as much, as it includes the judge's fees, among other expenses.
On the website casamentocivil.com.br you can find out How much does it cost to get married in a civil ceremony? at any registry office in Brazil.
Additionally, you can find prices for other services performed at the notary's office, for example, deed registration.
I did a simulation with the cost of a civil wedding for the city of São Paulo, the value was R$417.63, without taking into account the cost of notices.
The cost of a wedding performed outside the registry office is R$1,361.97. A hefty price tag for lovebirds in a hurry to get married and on a tight budget.
However, is it possible to be exempt from the wedding fee at the registry office?
Is it possible to get married for free?
Yes. Couples who wish to formalize their marriage but lack the necessary resources or want to save money for other purposes can get married for free.
However, according to the Art. 1,512 of the Civil Code: the marriage is civil and its celebration is free.
“The qualification for marriage, registration and the first certificate will be exempt from stamps, fees and costs, for the person whose poverty is declared, under penalty of law”.
Therefore, for those who want to know how much does it cost to get married in a civil ceremony, It is important to highlight that it is possible to get married under this regime for free, however, it is necessary to formally declare a situation of poverty.
The formal name of the document is Declaration of Insufficiency. This certificate must be requested from the CRAS in your city.
Some people find this action embarrassing or do not fit the profile to obtain a certificate.
Likewise, you are also unable to afford the costs of a civil wedding.
However, there is a solution for those who dream of getting married but are on a tight budget.
Although it is unusual, there are many credit products designed for people who want to get married.
And if there is a product, it's because there is also demand: many people can hold a complete wedding ceremony using a loan.
Where to apply for a loan for a civil wedding?
With a personal loan, you can have your wedding just the way you've always dreamed.
Additionally, you can get discounts and contract more advantageous services, since you can pay for them upfront.
Since a loan has its drawbacks, the biggest one is the interest. Therefore, it's crucial to choose the option with the lowest interest rate and fees.
Besides that, the couple will still be stuck in debt for a long time, so it is essential to have a family financial plan.
In the next topics you will find some options for loans to cover wedding expenses.
Discover each alternative and compare!
1. Creditas wedding loan
At Creditas, you'll find credit products with competitive rates, but the main reason is that it only offers secured loans.
This brings more security to the operation and allows the company to offer better interest rates and payment conditions.
The bride and groom can choose a loan secured by property or vehicle.
Note the main differences between each of them.
| Loan secured by vehicle | Loan secured by property |
| R$5 thousand to R$150 thousand | R$50 thousand to R$3 million |
| 1,49% per month | 0.99% per month + IPCA |
| 11.2% per year | 19,42% per year |
| Installments between 18 and 60 months | Installments between 60 and 240 months |
The process is carried out 100% online, access the Creditas portal and do a simulation.
2. Vivo Money Wedding Loan
Vivo Money, the lending platform of the operator Vivo, also offers a personal loan model that can be used for wedding expenses.
Couples can request amounts up to R$1,400,000 and pay in installments up to 36 months. The funds can be used to cover expenses such as:
- Bride's dress and groom's suit;
- Alliances;
- Notary and church fees;
- Photos and filming;
- Honeymoon;
- Party.
Vivo Money interest rates start at 0.99% per month, but may vary depending on the applicant's financial profile.
This loan is exclusive to Vivo Móvel customers. If approved, the amount will be deposited into your account within 2 business days.
Although it is a wedding loan, it is classified as a personal loan, so it can be used as you wish.
Hiring is 100% online, access the Vivo Money portal and perform a simulation.
3. Provu
Still worried about the How much does it cost to get married in a civil ceremony??
So, learn about the credit offered by Provu and leave that worry aside.
At Provu you can request up to R$1,000 to invest in making your dream come true.
The amount can be paid in installments over up to 36 months and interest rates vary between 4.2% and 11% per month.
The simulation can be carried out on the fintech portal.
4. Super Sim Wedding Loan
Super Sim is a digital lending platform. It stands out for its simplicity and practicality.
On this platform, customers can count on an unsecured loan and another with a cell phone guarantee.
The values offered by Super Sim are lower compared to other alternatives.
Payment can be made in up to 12 months and the interest rates applied vary between 12.5% and 19.9% per month for personal credit.
Super Sim charges a registration fee (TAC) that can vary between R$90.00 and R$150.00.
The request must be made through the website Super Sim.
5. Yes Loans
Sim Empréstimos is Banco Santander's lending platform. It offers customers access to various credit models and the option to choose the one that best suits their needs.
With unsecured personal loans, you can apply for up to R$1,831,400. Rates start at R$30,000 per month, and the first installment is due 45 days after signing the contract.
If the couple wants an alternative with a higher approval rate and lower interest rate, the ideal option is to opt for a loan secured by a vehicle.
In this alternative, customers can request up to R$1,400,000 and the vehicle inspection is online, as is the loan request.
This way, the bride and groom save time and can focus more on wedding preparations.
Considering how much it costs to get married in a civil ceremony, is it worth taking out a wedding loan?
A wedding is a unique event, even if it happens many times in some people's lives; it is still special.
Therefore, every detail must be planned. The bride and groom should create a financial spreadsheet, recording their income and every wedding expense.
From there, start saving and putting money aside for the event. Starting a new phase of life by taking on debt isn't beneficial for the couple's finances.
Applying for a loan will make everything happen faster, but it's not the best alternative.
If you're still considering taking out a loan to cover your wedding expenses, choose where to apply carefully.
Compare to find the most economical and advantageous alternative. Find the ideal installment amount to fit your budget.
Additionally, write down all your wedding expenses and see where you can save. This will also save you money on your loan, as you can request a smaller amount and save on installment interest.
The cost of a civil marriage is not very high, but it may be inaccessible to some people.
Even so, the ideal is to pay this amount in cash rather than taking out a loan.
With the wedding, other expenses are inevitable, such as clothes, bouquets, hair, makeup and rings.
However, the ideal is to plan, save and set aside money to pay for services without having to take out a loan.
Conclusion
Now that you've discovered How much does it cost to get married in a civil ceremony?, plan your wedding more intelligently.
Always look for the most cost-effective services and save money to avoid starting your married life in debt. This can negatively impact your finances and relationship.
