{"id":26830,"date":"2025-07-18T12:02:19","date_gmt":"2025-07-18T16:02:19","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/pt\/blog\/cosigner-or-no-cosigner-what-you-really-need-to-know-before-taking-a-loan"},"modified":"2025-12-30T08:36:41","modified_gmt":"2025-12-30T08:36:41","slug":"cosigner-or-no-cosigner-what-you-really-need-to-know-before-taking-a-loan","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/pt\/blog\/cosigner-or-no-cosigner-what-you-really-need-to-know-before-taking-a-loan","title":{"rendered":"Com avalista ou sem avalista? O que voc\u00ea realmente precisa saber antes de obter um empr\u00e9stimo"},"content":{"rendered":"<p class=\"c5\">Para estudantes internacionais, <span class=\"c10\">obter um empr\u00e9stimo estudantil<\/span> nunca \u00e9 apenas sobre dinheiro &#8211; \u00e9 sobre confian\u00e7a, tempo e risco futuro. E uma das maiores perguntas que surgem durante o processo \u00e9: <span class=\"c1\" style=\"font-weight: 400\">voc\u00ea deve encontrar um avalista ou seguir sem um?<\/span><\/p>\n<p class=\"c5\"><span class=\"c1\" style=\"font-weight: 400\">Em teoria, ter um avalista pode melhorar os termos do seu empr\u00e9stimo. Na pr\u00e1tica, introduz complexidades legais, financeiras e emocionais &#8211; especialmente se voc\u00ea est\u00e1 longe de casa, n\u00e3o tem uma rede forte nos EUA ou Canad\u00e1 ou n\u00e3o tem certeza do que o futuro reserva.<\/span><\/p>\n<p class=\"c5\"><span class=\"c1\" style=\"font-weight: 400\">Este artigo detalha o que voc\u00ea realmente precisa saber antes de decidir se deve solicitar um empr\u00e9stimo com ou sem um avalista &#8211; e quais s\u00e3o suas op\u00e7\u00f5es de qualquer maneira.<\/span><\/p>\n<h2 id=\"h.dvy5qvw3pjt8\" class=\"c3\"><span class=\"c15\" style=\"font-weight: bold\">O que um avalista realmente faz (e por que os credores querem um)<\/span><\/h2>\n<p class=\"c5\"><span class=\"c1\" style=\"font-weight: 400\">Quando um credor pede um avalista, ele est\u00e1 procurando algu\u00e9m para garantir que seu empr\u00e9stimo ser\u00e1 pago &#8211; mesmo que voc\u00ea n\u00e3o possa. \u00c9 uma maneira do credor reduzir o risco, especialmente se:<\/span><\/p>\n<ul class=\"c7 lst-kix_opssvzawqban-0 start\">\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Voc\u00ea n\u00e3o tem um hist\u00f3rico de cr\u00e9dito nos EUA ou Canad\u00e1.<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Voc\u00ea \u00e9 novo no pa\u00eds e n\u00e3o tem um emprego est\u00e1vel.<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Voc\u00ea est\u00e1 indo atr\u00e1s de uma \u00e1rea de estudo com potencial de ganho incerto.<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Voc\u00ea est\u00e1 pedindo um valor alto para custos de mensalidade e despesas de vida.<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c5\">Para muitos estudantes dom\u00e9sticos, um pai ou membro pr\u00f3ximo da fam\u00edlia assume. Mas para estudantes internacionais, encontrar algu\u00e9m que mora no pa\u00eds, tem um bom cr\u00e9dito e est\u00e1 disposto a assumir essa responsabilidade muitas vezes \u00e9 irreal. Este desafio \u00e9 o motivo pelo qual <span class=\"c10\">empr\u00e9stimos estudantis privados sem avalista<\/span><span class=\"c1\" style=\"font-weight: 400\"> tornaram-se cada vez mais importantes para estudantes internacionais.<\/span><\/p>\n<h2 id=\"h.gwijstiom980\" class=\"c3\"><span class=\"c15\" style=\"font-weight: bold\">Os benef\u00edcios e compensa\u00e7\u00f5es de usar um avalista<\/span><\/h2>\n<p class=\"c5\"><span class=\"c1\" style=\"font-weight: 400\">Se voc\u00ea tem acesso a um avalista qualificado, existem algumas vantagens potenciais:<\/span><\/p>\n<ul class=\"c7 lst-kix_o2h4l3y6e9e5-0 start\">\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Taxas de juros mais baixas<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Maior probabilidade de aprova\u00e7\u00e3o do empr\u00e9stimo<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\">Possibilidade de acesso a uma gama mais ampla de credores<\/li>\n<\/ul>\n<p class=\"c5\"><span class=\"c1\" style=\"font-weight: 400\">Mas as compensa\u00e7\u00f5es s\u00e3o significativas:<\/span><\/p>\n<ul class=\"c7 lst-kix_fpiq8fbf6z92-0 start\">\n<li class=\"c0 li-bullet-0\">Seu avalista \u00e9 legalmente respons\u00e1vel<span class=\"c1\" style=\"font-weight: 400\">\u00a0pelo empr\u00e9stimo se voc\u00ea n\u00e3o pagar.<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Pagamentos perdidos podem prejudicar tanto o seu cr\u00e9dito quanto o deles.<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">As rela\u00e7\u00f5es com o avalista podem se tornar tensas, especialmente se as expectativas n\u00e3o forem claras.<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">A libera\u00e7\u00e3o do avalista (remov\u00ea-los posteriormente) \u00e9 rara e dif\u00edcil.<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c5\"><span class=\"c1\" style=\"font-weight: 400\">Em resumo: Um avalista pode desbloquear melhores condi\u00e7\u00f5es &#8211; mas ter um tamb\u00e9m cria um risco compartilhado. Se voc\u00ea n\u00e3o est\u00e1 confiante na sua capacidade de reembolso, ou se n\u00e3o quer colocar outra pessoa em uma posi\u00e7\u00e3o vulner\u00e1vel, pode n\u00e3o ser o caminho certo.<\/span><\/p>\n<h2 id=\"h.jfnz2bsqcl6l\" class=\"c3\"><span class=\"c15\" style=\"font-weight: bold\">E se voc\u00ea n\u00e3o tiver um avalista?<\/span><\/h2>\n<p class=\"c5\"><span class=\"c1\" style=\"font-weight: 400\">N\u00e3o ter um avalista costumava ser um grande obst\u00e1culo. Hoje, existem mais op\u00e7\u00f5es de financiamento especificamente para estudantes na sua posi\u00e7\u00e3o. Credores como MPOWER Financing oferecem empr\u00e9stimos para estudantes sem um avalista com base no m\u00e9rito acad\u00eamico, inscri\u00e7\u00e3o na escola e potencial futuro &#8211; n\u00e3o no hist\u00f3rico de cr\u00e9dito ou garantia.<\/span><\/p>\n<p class=\"c5\">Esses <span class=\"c10\">empr\u00e9stimos para estudantes internacionais <\/span><span class=\"c10\">para estudantes africanos<\/span><span class=\"c1\" style=\"font-weight: 400\">\u00a0e outros aprendizes globais facilitam o estudo no exterior sem depender de fam\u00edlia ou amigos em casa.<\/span><\/p>\n<p class=\"c5\"><span class=\"c1\" style=\"font-weight: 400\">O modelo de empr\u00e9stimo sem avalista evita o estresse do avalista completamente, enquanto ainda oferece uma maneira realista de financiar sua educa\u00e7\u00e3o. Apenas certifique-se de:<\/span><\/p>\n<ul class=\"c7 lst-kix_8eas4aua74ck-0 start\">\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Confirmar que sua institui\u00e7\u00e3o de ensino e programa s\u00e3o eleg\u00edveis.<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Entender o custo total do empr\u00e9stimo, incluindo juros.<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Elaborar um plano de reembolso que esteja alinhado com sua renda p\u00f3s-gradua\u00e7\u00e3o e planos de visto.<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Use os recursos do credor para se preparar para est\u00e1gios ou oportunidades de treinamento pr\u00e1tico opcional (OPT) com anteced\u00eancia.<\/span><\/li>\n<\/ul>\n<h2 id=\"h.y6sdh4x83drh\" class=\"c3\"><span class=\"c15\" style=\"font-weight: bold\">Como tomar a decis\u00e3o mais inteligente para o seu futuro<\/span><\/h2>\n<p class=\"c5\"><span class=\"c1\" style=\"font-weight: 400\">N\u00e3o existe uma resposta \u00fanica para a quest\u00e3o do avalista. Em vez disso, pergunte a si mesmo:<\/span><\/p>\n<ul class=\"c7 lst-kix_h82k9ksowlq-0 start\">\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Eu tenho algu\u00e9m que \u00e9 eleg\u00edvel e confort\u00e1vel para ser meu avalista?<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\">Posso obter um <span class=\"c10\">empr\u00e9stimo privado para estudante internacional <\/span><span class=\"c1\" style=\"font-weight: 400\">com termos razo\u00e1veis sem um avalista?<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Qu\u00e3o confiante estou na minha capacidade de reembolso com base no meu diploma e planos de carreira?<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Vou me sentir mais livre &#8211; ou mais pressionado &#8211; se algu\u00e9m estiver respons\u00e1vel pelo meu empr\u00e9stimo?<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c5\">Se voc\u00ea tem um avalista ou escolhe <span class=\"c21\">empr\u00e9stimos estudantis pessoais sem um avalista<\/span><span class=\"c1\" style=\"font-weight: 400\">, reserve um tempo para entender completamente as implica\u00e7\u00f5es de longo prazo. Sua educa\u00e7\u00e3o \u00e9 um investimento, e como voc\u00ea a financia vai al\u00e9m de moldar apenas suas finan\u00e7as &#8211; tamb\u00e9m pode moldar seus relacionamentos e suas op\u00e7\u00f5es ap\u00f3s a formatura.<\/span><\/p>\n<h2 id=\"h.7jps3w16hqrn\" class=\"c3\"><span class=\"c15\" style=\"font-weight: bold\">Uma alternativa melhor para estudantes internacionais sem uma rede de seguran\u00e7a<\/span><\/h2>\n<p class=\"c5\"><span class=\"c1\" style=\"font-weight: 400\">Para estudantes que desejam seguir em frente sem vincular outra pessoa ao seu empr\u00e9stimo, a MPOWER Financing oferece um tipo diferente de solu\u00e7\u00e3o. Projetado especificamente para estudantes de p\u00f3s-gradua\u00e7\u00e3o internacionais, a MPOWER oferece:<\/span><\/p>\n<ul class=\"c7 lst-kix_mjc87j4yypsw-0 start\">\n<li class=\"c0 li-bullet-0\">Empr\u00e9stimos estudantis sem avalista, <span class=\"c10\">sem garantia<\/span><span class=\"c1\" style=\"font-weight: 400\">\u00a0para universidades aprovadas nos EUA e Canad\u00e1<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Taxas de juros fixas \u00e0 prova de infla\u00e7\u00e3o com valores flex\u00edveis (de US$2,001 a US$100,000 no total)<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Uma solicita\u00e7\u00e3o 100% online focada no seu potencial, e n\u00e3o no seu hist\u00f3rico de cr\u00e9dito<br \/>\n<\/span><\/li>\n<li class=\"c0 li-bullet-0\">Acesso ao <span class=\"c26 c27\" style=\"font-weight: bold\"><a class=\"c23\" href=\"https:\/\/www.mpowerfinancing.com\/pt\/resources\/path-2-success\">Path2Success<\/a><\/span><span class=\"c1\" style=\"font-weight: 400\">, uma plataforma de apoio \u00e0 carreira que ajuda voc\u00ea a maximizar suas perspectivas de emprego ap\u00f3s a formatura<\/span><\/li>\n<\/ul>\n<p class=\"c5\"><span class=\"c1\" style=\"font-weight: 400\">Para os estudantes que n\u00e3o podem &#8211; ou preferem n\u00e3o &#8211; pedir a algu\u00e9m para ser avalista, MPOWER remove essa barreira enquanto oferece um caminho claro para financiar sua educa\u00e7\u00e3o de p\u00f3s-gradua\u00e7\u00e3o.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Deve solicitar um empr\u00e9stimo estudantil com ou sem um avalista? Saiba o que os estudantes internacionais precisam considerar antes de tomar essa importante decis\u00e3o financeira.<\/p>\n","protected":false},"author":24,"featured_media":34156,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[22,27],"tags":[],"class_list":["post-26830","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-blogs","category-financial-tips"],"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>Com avalista ou sem avalista? O que voc\u00ea realmente precisa saber antes de obter um empr\u00e9stimo | MPOWER Financing Portuguese<\/title>\n<meta name=\"description\" content=\"Deve solicitar um empr\u00e9stimo estudantil com ou sem um avalista? 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