{"id":26728,"date":"2023-12-26T05:02:44","date_gmt":"2023-12-26T10:02:44","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/pt\/blog\/demystifying-the-payoff-statement"},"modified":"2025-12-30T06:52:51","modified_gmt":"2025-12-30T06:52:51","slug":"demystifying-the-payoff-statement","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/pt\/blog\/demystifying-the-payoff-statement","title":{"rendered":"Desmistificando a Declara\u00e7\u00e3o de Quita\u00e7\u00e3o"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Se voc\u00ea est\u00e1 pensando em refinanciar seu empr\u00e9stimo de educa\u00e7\u00e3o internacional para obter termos mais favor\u00e1veis, seu atual provedor de empr\u00e9stimo exigir\u00e1 uma \u201cdeclara\u00e7\u00e3o de quita\u00e7\u00e3o\u201d &#8211; tamb\u00e9m referida como \u201ccota\u00e7\u00e3o de quita\u00e7\u00e3o\u201d, \u201ccarta de quita\u00e7\u00e3o\u201d, \u201ccarta de liquida\u00e7\u00e3o\u201d e tamb\u00e9m \u201ccarta de execu\u00e7\u00e3o\u201d.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vamos desvendar os mist\u00e9rios da declara\u00e7\u00e3o de quita\u00e7\u00e3o e sua import\u00e2ncia.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">O que \u00e9 uma declara\u00e7\u00e3o de quita\u00e7\u00e3o?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Uma declara\u00e7\u00e3o de quita\u00e7\u00e3o \u00e9 um documento que detalha o valor total necess\u00e1rio para liquidar sua d\u00edvida de empr\u00e9stimo estudantil, incluindo:<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Um valor de quita\u00e7\u00e3o:<\/b><span style=\"font-weight: 400;\"> Este \u00e9 o valor necess\u00e1rio para liquidar totalmente sua d\u00edvida de empr\u00e9stimo estudantil. Inclui o saldo principal (o valor inicial emprestado mais qualquer juros acumulados) e quaisquer juros e multas acumulados desde o seu \u00faltimo pagamento.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Uma data de validade:<\/b><span style=\"font-weight: 400;\"> Esta \u00e9 a data limite at\u00e9 a qual o valor de quita\u00e7\u00e3o \u00e9 aplic\u00e1vel. A maioria dos credores fornece uma tabela com o valor esperado di\u00e1rio do empr\u00e9stimo pendente. Certifique-se de que sua carta \u00e9 <\/span><b>v\u00e1lida por 15 dias a partir da data de envio.<\/b><b><br \/>\n<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Detalhes da conta:<\/b><span style=\"font-weight: 400;\"> Seu provedor de empr\u00e9stimo original deve incluir detalhes da conta para a qual voc\u00ea ou seu poss\u00edvel refinanciador devem depositar dinheiro para fechar a conta de empr\u00e9stimo original, ou seja, n\u00famero da conta, ag\u00eancia, etc.\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Quando \u00e9 necess\u00e1ria uma declara\u00e7\u00e3o de quita\u00e7\u00e3o?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Existem v\u00e1rios cen\u00e1rios em que uma declara\u00e7\u00e3o de quita\u00e7\u00e3o \u00e9 necess\u00e1ria:<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Reembolso antecipado do empr\u00e9stimo estudantil:<\/b><span style=\"font-weight: 400;\"> Se voc\u00ea pretende liquidar seus empr\u00e9stimos estudantis antes do prazo, obtenha uma declara\u00e7\u00e3o de quita\u00e7\u00e3o para garantir que o pagamento total seja feito sem qualquer juros residual para o m\u00eas subsequente.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Refinanciamento de empr\u00e9stimo estudantil:<\/b><span style=\"font-weight: 400;\"> Durante o processo de refinanciamento de seus empr\u00e9stimos estudantis, seu novo credor pode exigir uma declara\u00e7\u00e3o de quita\u00e7\u00e3o de seu credor atual para verificar o valor exato necess\u00e1rio para liquidar a d\u00edvida.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Como obter uma declara\u00e7\u00e3o de quita\u00e7\u00e3o?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Para obter uma declara\u00e7\u00e3o de quita\u00e7\u00e3o, voc\u00ea pode recuper\u00e1-la no portal online do seu credor ou entrar em contato com seu credor para solicitar uma c\u00f3pia. Listamos aqui alguns credores e seus processos para ajudar.<\/span><\/p>\n<p><b>Prodigy Finance (EUA)<\/b><span style=\"font-weight: 400;\">: <\/span><span style=\"font-weight: 400;\">Aqui est\u00e1 um r\u00e1pido <\/span><a href=\"https:\/\/support.prodigyfinance.com\/knowledge\/articles\/360000669138\/en-us?brand_id=63031\"><span style=\"font-weight: 400;\">guia<\/span><\/a><span style=\"font-weight: 400;\"> sobre como liquidar\/encerrar seu empr\u00e9stimo com a Prodigy Finance.\u00a0<\/span><\/p>\n<p><b>Bancos do setor p\u00fablico (\u00cdndia)<\/b><span style=\"font-weight: 400;\">: Para bancos do setor p\u00fablico como o State Bank of India (SBI) e o Bank of Baroda (BoB), voc\u00ea precisa entrar em contato com sua ag\u00eancia local para obter uma carta do gerente da ag\u00eancia. Normalmente, esses bancos t\u00eam um modelo padr\u00e3o para refinanciamento de empr\u00e9stimos habitacionais que eles modificam para o seu empr\u00e9stimo educacional.<\/span><\/p>\n<p><b>Financiadores privados (\u00cdndia)<\/b><span style=\"font-weight: 400;\">: Com todos os bancos privados indianos, bem como as empresas financeiras n\u00e3o banc\u00e1rias (NBFCs), voc\u00ea precisa entrar em contato com a equipe de suporte central solicitando \u201cdeclara\u00e7\u00f5es de liquida\u00e7\u00e3o\u201d. Aqui est\u00e3o as informa\u00e7\u00f5es de contato para financiadores privados comuns na \u00cdndia para ajud\u00e1-lo a come\u00e7ar:\u00a0<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IDFC Bank: <\/span><a href=\"mailto:banker@idfcfirstbank.com\"><span style=\"font-weight: 400;\">banker@idfcfirstbank.com<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">HDFC Credila: <\/span><a href=\"mailto:support@hdfccredila.com\"><span style=\"font-weight: 400;\">support@hdfccredila.com<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Avanse: <\/span><a href=\"mailto:wecare@avanse.com\"><span style=\"font-weight: 400;\">wecare@avanse.com<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Auxilo: <\/span><a href=\"mailto:customercare@auxilo.com\"><span style=\"font-weight: 400;\">customercare@auxilo.com<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">InCred: <\/span><a href=\"mailto:care@incred.com\"><span style=\"font-weight: 400;\">care@incred.com<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kuhoo: <\/span><a href=\"mailto:connect@kuhoo.com\"><span style=\"font-weight: 400;\">connect@kuhoo.com<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Leap Finance: <\/span><a href=\"mailto:contact@leapfinance.com\"><span style=\"font-weight: 400;\">contact@leapfinance.com<\/span><\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Para empr\u00e9stimos estudantis federais dos EUA, visite o site do seu prestador de servi\u00e7os de empr\u00e9stimo ou entre em contato diretamente.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Por que refinanciar seu empr\u00e9stimo estudantil?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Se voc\u00ea tem a oportunidade de obter melhores condi\u00e7\u00f5es de empr\u00e9stimo com um novo credor, isso pode trazer v\u00e1rias vantagens:<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Redu\u00e7\u00e3o de juros:<\/b><span style=\"font-weight: 400;\"> Voc\u00ea pode reduzir o valor que paga a longo prazo, evitando o ac\u00famulo de juros adicionais.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Liberar o or\u00e7amento mensal:<\/b><span style=\"font-weight: 400;\"> Voc\u00ea pode reduzir o pagamento mensal do seu empr\u00e9stimo, o que aumentar\u00e1 sua renda dispon\u00edvel.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Benef\u00edcios fiscais seletivos:<\/b><span style=\"font-weight: 400;\"> Voc\u00ea pode se qualificar para benef\u00edcios fiscais ao transferir seu empr\u00e9stimo para o pa\u00eds onde trabalha.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Construir hist\u00f3rico de cr\u00e9dito atrav\u00e9s de pagamento pontual:<\/b><span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\">Como seu hist\u00f3rico de cr\u00e9dito nem sempre se move com voc\u00ea entre fronteiras, voc\u00ea deve planejar construir um hist\u00f3rico de cr\u00e9dito onde pretende passar uma parte significativa de sua carreira.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Considera\u00e7\u00f5es finais<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Gerenciar ativamente seus empr\u00e9stimos estudantis \u00e9 um componente crucial de sua jornada financeira. Garantir uma declara\u00e7\u00e3o de quita\u00e7\u00e3o \u00e9 um passo vital se voc\u00ea est\u00e1 pensando em reembolso antecipado de empr\u00e9stimo, refinanciamento de empr\u00e9stimo ou compra de uma resid\u00eancia. Lembre-se de avaliar v\u00e1rios credores se estiver considerando refinanciar seus empr\u00e9stimos estudantis e tenha em mente que voc\u00ea pode perder salvaguardas federais, como planos de reembolso baseados em renda e programas de perd\u00e3o de empr\u00e9stimos estudantis.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mais uma vez, parab\u00e9ns e os melhores votos em sua jornada financeira!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">O que vem a seguir?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Candidate-se com a MPOWER para refinanciar seu empr\u00e9stimo estudantil internacional em <\/span><a href=\"https:\/\/refinance.mpowerfinancing.com\/\"><b>refinance.mpowerfinancing.com<\/b><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Se voc\u00ea j\u00e1 come\u00e7ou com sua solicita\u00e7\u00e3o, rastreie e fa\u00e7a o upload dos documentos em <\/span><a href=\"https:\/\/app.mpowerfinancing.com\/login\"><span style=\"font-weight: 400;\">nosso painel<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Se voc\u00ea est\u00e1 pensando em refinanciar seu empr\u00e9stimo de educa\u00e7\u00e3o internacional para obter termos mais favor\u00e1veis, seu atual provedor de empr\u00e9stimo exigir\u00e1 uma \u201cdeclara\u00e7\u00e3o de quita\u00e7\u00e3o\u201d &#8211; tamb\u00e9m referida como \u201ccota\u00e7\u00e3o de quita\u00e7\u00e3o\u201d, \u201ccarta&#8230;<\/p>\n","protected":false},"author":24,"featured_media":17289,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-26728","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides-and-tools"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Desmistificando Declara\u00e7\u00f5es de Quita\u00e7\u00e3o de Empr\u00e9stimos para Estudantes Internacionais | MPOWER Financing Portuguese<\/title>\n<meta name=\"description\" content=\"Refinanciar empr\u00e9stimos de estudantes internacionais requer uma declara\u00e7\u00e3o de quita\u00e7\u00e3o. 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