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Do you have services at Banco Santander and need more time to pay? In today's article we will address this subject; when and how renegotiate contract, in addition to some benefits.
When should I ask to renegotiate my contract?
The request should be made in extreme cases, when you realize that you need it renegotiate contract, as you will not be able to pay the installments within the defined period.
Otherwise, organize your finances and always try to pay your debts on time.
This and other measures were adopted by financial institutions at the height of the pandemic, when many people's financial situation became tight.
In this way, the objective is to help customers whose income was affected by the advance of Covid-19 and to avoid an increase in the number of defaulters.
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If this is not your case, it is important to meet your financial commitments on time and avoid compromising your planning and budget.
Advantages
In urgent case, renegotiate contract of some service in debt can bring some benefits to the applicant, such as:
- Longer term to pay;
- Interest rates equal to the original contract;
- Gain time to organize and pay off other more urgent debts;
- Carry out the process in complete safety with your bank, without having to go to a branch.
So, remember to always keep your accounts up to date, and have an emergency fund, it can save you in situations like this.
But if you don't have one, be sure to renegotiate contract with the bank, fulfill its obligations and not end up on the defaulters' register.
How to apply?
In the first place, visit the website and click on Santander Financing > Renegotiation.
Then, the option to choose your contract will appear, being: Up-to-date contract and Expired contract.
If your contract is up to date, you can extend the term of the contract and pay a lower installment. When you click on “I want to negotiate” you will have two options: Vehicles and Goods and services. Choose your contract and continue renegotiating.
This way, you can choose the number of installments and the next payment date.
Additionally, you can make payment via bank slip.
In this case, you must request renegotiation at least one business day before the installment is due.
Therefore, customers who make payments via direct debit must request renegotiation at least 10 days before the due date.
On the other hand, if you are late with your contract, you can renegotiate the installment with 1 or more days late.
Through this modality, the customer loses some benefits, such as:
- Transfer of financing;
- Bonus for each installment paid;
- Possibility of exchanging the financed asset.
So, for renegotiate contract late you will be directed to the Negocie Digital solution.
A verification code will be sent via SMS to continue the procedure.
After that, you can choose the new installment due date, which can be up to 60 days.
Therefore, also choose the entry conditions and installment values.
Finally, send the requested documentation and confirm your details.
Requests for renegotiate on the Banco Santander website must be made from Monday to Friday, from 7 am to 6 pm, except holidays.
Also check out the renegotiation at Bradesco.
