{"id":26917,"date":"2025-03-31T12:48:09","date_gmt":"2025-03-31T16:48:09","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/pt\/blog\/common-loan-mistakes-international-students"},"modified":"2025-12-30T11:01:49","modified_gmt":"2025-12-30T11:01:49","slug":"common-loan-mistakes-international-students","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/pt\/blog\/common-loan-mistakes-international-students","title":{"rendered":"Erros comuns que estudantes internacionais cometem ao solicitar um empr\u00e9stimo estudantil para educa\u00e7\u00e3o"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Desde entender os termos do empr\u00e9stimo at\u00e9 avaliar adequadamente os fundos e despesas, os estudantes que navegam no <\/span><span style=\"font-weight: 400;\">processo de empr\u00e9stimo estudantil<\/span><span style=\"font-weight: 400;\"> enfrentam uma curva de aprendizado acentuada.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Se voc\u00ea est\u00e1 <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/financial-empowerment\/student-loan-application-process\"><span style=\"font-weight: 400;\">solicitando um empr\u00e9stimo estudantil internacional<\/span><\/a><span style=\"font-weight: 400;\">, esta pode ser a primeira grande decis\u00e3o financeira da sua vida. MPOWER Financing quer que voc\u00ea enfrente esse processo totalmente informado. Continue lendo para descobrir os detalhes do processo de solicita\u00e7\u00e3o de empr\u00e9stimo, erros comuns a evitar e por que voc\u00ea deve considerar financiar sua p\u00f3s-gradua\u00e7\u00e3o internacional com um <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/get-a-loan\"><span style=\"font-weight: 400;\">empr\u00e9stimo estudantil internacional sem avalista<\/span><span style=\"font-weight: 400;\"> da MPOWER<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a class=\"btn btn-primary\" href=\"https:\/\/app.mpowerfinancing.com\/eligibility\"><span style=\"font-weight: 400;\">Candidate-se agora<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Como funcionam os empr\u00e9stimos para estudantes internacionais?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Estudantes internacionais t\u00eam uma <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/financial-empowerment\/options-for-student-loans\"><span style=\"font-weight: 400;\">variedade de op\u00e7\u00f5es de empr\u00e9stimo<\/span><\/a><span style=\"font-weight: 400;\">. Entre os credores privados de educa\u00e7\u00e3o dispon\u00edveis, <\/span><a href=\"https:\/\/www.nerdwallet.com\/best\/loans\/student-loans\/international-student-loans\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">NerdWallet<\/span><\/a><span style=\"font-weight: 400;\"> e <\/span><a href=\"https:\/\/www.cnbc.com\/select\/best-international-student-loans\/#:~:text=MPOWER%20Financing%20is%20the%20best,your%20card%20and%20student%20loan.\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">CNBC<\/span><\/a><span style=\"font-weight: 400;\"> identificam o <\/span><span style=\"font-weight: 400;\">empr\u00e9stimo estudantil internacional sem avalista da MPOWER<\/span><span style=\"font-weight: 400;\"> como a melhor op\u00e7\u00e3o de empr\u00e9stimo privado para estudantes internacionais de p\u00f3s-gradua\u00e7\u00e3o estudando nos EUA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Voc\u00ea pode usar <\/span><span style=\"font-weight: 400;\">empr\u00e9stimos estudantis<\/span><span style=\"font-weight: 400;\"> para cobrir todas as despesas relacionadas \u00e0 educa\u00e7\u00e3o durante sua jornada de estudos nos EUA, incluindo mensalidades, moradia, livros e seguro sa\u00fade. No Canad\u00e1, os fundos do empr\u00e9stimo podem cobrir a mensalidade e qualquer outra despesa faturada pela universidade.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aqui est\u00e3o as principais etapas do <\/span><span style=\"font-weight: 400;\">processo de empr\u00e9stimo estudantil<\/span><span style=\"font-weight: 400;\"> para estudantes internacionais:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. Identifique potenciais credores para seus <\/span><span style=\"font-weight: 400;\">empr\u00e9stimos estudantis<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pesquise potenciais credores educacionais. Diferentes op\u00e7\u00f5es de empr\u00e9stimo ter\u00e3o diferentes termos de empr\u00e9stimo, como:<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/financial-empowerment\/student-loan-interest-rate\"><span style=\"font-weight: 400;\">Taxas de juros<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/financial-empowerment\/international-student-loan-repayment\"><span style=\"font-weight: 400;\">Planos de reembolso<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/financial-empowerment\/cost-of-student-loans\"><span style=\"font-weight: 400;\">Taxas de empr\u00e9stimo<\/span><\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Alguns financiadores de educa\u00e7\u00e3o podem oferecer benef\u00edcios \u00fanicos. Por exemplo, todos os estudantes da MPOWER t\u00eam acesso ao <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/resources\/path-2-success\"><span style=\"font-weight: 400;\">Programa Path2Success da MPOWER<\/span><\/a><span style=\"font-weight: 400;\">, que fornece aos estudantes internacionais apoio para vistos, empoderamento financeiro e servi\u00e7os de carreira.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pesquise suas op\u00e7\u00f5es cuidadosamente e identifique os <\/span><span style=\"font-weight: 400;\">empr\u00e9stimos estudantis<\/span><span style=\"font-weight: 400;\"> com os termos e condi\u00e7\u00f5es que melhor atendem \u00e0s suas necessidades.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Verifique sua elegibilidade para seus <\/span><span style=\"font-weight: 400;\">empr\u00e9stimos estudantis<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Certifique-se de que voc\u00ea atende aos crit\u00e9rios do financiador da sua educa\u00e7\u00e3o, desde os requisitos de visto at\u00e9 o desempenho acad\u00eamico. Alguns financiadores tamb\u00e9m podem exigir uma pontua\u00e7\u00e3o m\u00ednima de cr\u00e9dito ou um avalista dos EUA.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Estudantes internacionais podem obter empr\u00e9stimos estudantis sem um avalista?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A MPOWER entende que estudantes internacionais sem cr\u00e9dito ou um avalista dos EUA dispon\u00edvel podem ter dificuldades para se qualificar para a maioria dos empr\u00e9stimos estudantis privados nos EUA e no Canad\u00e1. \u00c9 por isso que a MPOWER oferece empr\u00e9stimos estudantis internacionais sem necessidade de garantia, <\/span><span style=\"font-weight: 400;\">sem necessidade de avalista <\/span><span style=\"font-weight: 400;\">e sem requisito de pontua\u00e7\u00e3o m\u00ednima de cr\u00e9dito.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. <\/span><a href=\"https:\/\/support.mpowerfinancing.com\/hc\/en-us\/articles\/360020938294-I-am-not-sure-how-much-I-need-to-borrow-What-is-an-appropriate-amount-to-request\"><span style=\"font-weight: 400;\">Determine o valor que voc\u00ea precisa pedir emprestado<\/span><\/a><span style=\"font-weight: 400;\"> com o seu <\/span><span style=\"font-weight: 400;\">empr\u00e9stimo estudantil<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u00c9 importante pedir emprestado o suficiente para cobrir suas despesas de educa\u00e7\u00e3o sem acidentalmente pedir emprestado demais e se endividar desnecessariamente no futuro. Adicione cuidadosamente suas despesas de educa\u00e7\u00e3o. Em seguida, subtraia todo o seu financiamento existente, desde economias pessoais at\u00e9 ajuda financeira e renda prevista. O resultado deve ser o valor que voc\u00ea precisa pedir emprestado.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Voc\u00ea pode pedir emprestado at\u00e9 US$100,000 com a MPOWER para cobrir suas despesas de educa\u00e7\u00e3o. Quando voc\u00ea se candidata, a MPOWER pede que voc\u00ea <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/listing-your-funding\"><span style=\"font-weight: 400;\">liste suas fontes de financiamento<\/span><\/a><span style=\"font-weight: 400;\"> para ajud\u00e1-lo a determinar o valor certo para o seu <\/span><span style=\"font-weight: 400;\">empr\u00e9stimo estudantil internacional sem necessidade de avalista<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">5. Re\u00fana a documenta\u00e7\u00e3o\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Voc\u00ea precisar\u00e1 fornecer:<\/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;\">Carta de admiss\u00e3o a uma institui\u00e7\u00e3o de ensino<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Passaporte<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprovante de resid\u00eancia<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Documentos financeiros<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">6. Preencha a <\/span><span style=\"font-weight: 400;\">solicita\u00e7\u00e3o de empr\u00e9stimo estudantil<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Preencha sua solicita\u00e7\u00e3o de empr\u00e9stimo com cuidado. Se voc\u00ea enviar uma solicita\u00e7\u00e3o imprecisa ou incompleta, corre o risco de atrasar o processo ou ter sua solicita\u00e7\u00e3o rejeitada. Considere pedir ajuda a um membro da fam\u00edlia ou amigo que j\u00e1 passou pelo processo de empr\u00e9stimo antes.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Quais s\u00e3o as tr\u00eas considera\u00e7\u00f5es ao obter um empr\u00e9stimo estudantil?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Um <\/span><span style=\"font-weight: 400;\">empr\u00e9stimo estudantil internacional sem avalista<\/span><span style=\"font-weight: 400;\"> da MPOWER pode tornar poss\u00edvel o seu sonho de estudar nos EUA. No entanto, todos os empr\u00e9stimos v\u00eam com as seguintes considera\u00e7\u00f5es:<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ac\u00famulo de juros<\/b><span style=\"font-weight: 400;\">: A natureza de um empr\u00e9stimo garante que voc\u00ea eventualmente pagar\u00e1 mais do que o valor originalmente emprestado.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Objetivos financeiros adiados<\/b><span style=\"font-weight: 400;\">: O desafio de seguir seu plano de pagamento pode fazer com que voc\u00ea adie outros objetivos financeiros, como comprar uma casa.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li aria-level=\"1\"><b>Inadimpl\u00eancia \u00e9 s\u00e9ria<\/b><span style=\"font-weight: 400;\">: A inadimpl\u00eancia em seus pagamentos de empr\u00e9stimo estudantil pode ter s\u00e9rias consequ\u00eancias financeiras.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Apesar desses pensamentos, a maioria dos estudantes que estudam nos EUA opta por obter empr\u00e9stimos estudantis. \u00c9 not\u00e1vel que a MPOWER toma suas decis\u00f5es de empr\u00e9stimo com base no potencial de ganhos futuros do estudante e no programa de estudos que o estudante ir\u00e1 seguir. Como resultado, a MPOWER tem confian\u00e7a na capacidade de um estudante aprovado de lidar com o pagamento do empr\u00e9stimo educacional.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Com a devida educa\u00e7\u00e3o financeira e planejamento, voc\u00ea pode obter <\/span><span style=\"font-weight: 400;\">empr\u00e9stimos estudantis<\/span><span style=\"font-weight: 400;\"> sem comprometer seu futuro cr\u00e9dito ou planos de vida.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Erros comuns a evitar ao solicitar um <\/span><span style=\"font-weight: 400;\">empr\u00e9stimo estudantil<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Ignorar as letras mi\u00fadas<\/span><\/h3>\n<p><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/7-tips-for-comparing-no-collateral-loans-for-international-students\"><span style=\"font-weight: 400;\">Revise cada oferta de empr\u00e9stimo cuidadosamente<\/span><\/a><span style=\"font-weight: 400;\">. Certifique-se de entender as implica\u00e7\u00f5es dos termos do seu empr\u00e9stimo. Perder detalhes importantes, como uma taxa de solicita\u00e7\u00e3o consider\u00e1vel ou condi\u00e7\u00f5es rigorosas de pagamento, pode criar desafios financeiros desnecess\u00e1rios no futuro.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">N\u00e3o entender as taxas de juros<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A taxa de juros \u00e9 um dos detalhes mais importantes da sua oferta de empr\u00e9stimo. \u00c9 importante saber a taxa de juros do seu empr\u00e9stimo e entender se ela \u00e9 <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/fixed-vs-variable\"><span style=\"font-weight: 400;\">vari\u00e1vel ou fixa<\/span><\/a><span style=\"font-weight: 400;\">. As taxas de juros fixas s\u00e3o uma prote\u00e7\u00e3o contra a infla\u00e7\u00e3o, o que pode ser importante em tempos imprevis\u00edveis.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dito isso, a taxa de juros n\u00e3o \u00e9 a <\/span><i><span style=\"font-weight: 400;\">\u00fanica<\/span><\/i><span style=\"font-weight: 400;\"> condi\u00e7\u00e3o importante da sua oferta de empr\u00e9stimo. N\u00e3o escolha uma oferta baseada apenas na taxa de juros e negligencie considerar taxas, termos de pagamento e atendimento ao cliente, que contribuem para a sua experi\u00eancia de empr\u00e9stimo.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Perder os prazos de pagamento da mensalidade<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Embora a maioria dos <\/span><span style=\"font-weight: 400;\">empr\u00e9stimos estudantis privados para educa\u00e7\u00e3o<\/span><span style=\"font-weight: 400;\"> n\u00e3o tenha prazos para solicita\u00e7\u00e3o, sua institui\u00e7\u00e3o de ensino ter\u00e1 prazos para a mensalidade, provavelmente no in\u00edcio de cada semestre. Para garantir os fundos necess\u00e1rios pontualmente, a MPOWER sugere que voc\u00ea <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/when-to-apply-for-an-international-student-loan\"><span style=\"font-weight: 400;\">solicite seus empr\u00e9stimos estudantis<\/span><\/a><span style=\"font-weight: 400;\"> assim que se candidatar a uma institui\u00e7\u00e3o de ensino.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para solicitar um <\/span><span style=\"font-weight: 400;\">empr\u00e9stimo estudantil internacional sem avalista<\/span><span style=\"font-weight: 400;\"> da MPOWER, <\/span><a href=\"https:\/\/app.mpowerfinancing.com\/eligibility?_gl=1*1p8yu1d*_gcl_au*MTg3NzkwMDg0OS4xNzQxMjkyNjAx*_ga*NzA5NjkwMDMwLjE3MjUwNzQwNzU.*_ga_4NZRKRQGZK*MTc0MTg4NjE0MC4xNjMuMS4xNzQxODg2MjI1LjQ1LjAuMA..*_ga_Y441N2LGPG*MTc0MTg4NjE0MS4xNTkuMS4xNzQxODg2MjI1LjAuMC4w\"><span style=\"font-weight: 400;\">verifique sua elegibilidade hoje<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Pensamentos finais: Evitando erros comuns ao solicitar um <\/span><span style=\"font-weight: 400;\">empr\u00e9stimo estudantil internacional sem avalista<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Se voc\u00ea se sente intimidado pelo processo de empr\u00e9stimo estudantil, voc\u00ea n\u00e3o est\u00e1 sozinho. Voc\u00ea pode explorar <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/blog\"><span style=\"font-weight: 400;\">o blog da MPOWER<\/span><\/a><span style=\"font-weight: 400;\"> para obter mais informa\u00e7\u00f5es sobre como solicitar <\/span><span style=\"font-weight: 400;\">empr\u00e9stimos estudantis para educa\u00e7\u00e3o<\/span><span style=\"font-weight: 400;\"> e aprender sobre as vantagens de financiar sua educa\u00e7\u00e3o com um <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/pt\/get-a-loan\"><span style=\"font-weight: 400;\">empr\u00e9stimo estudantil internacional sem avalista<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Desde entender os termos do empr\u00e9stimo at\u00e9 avaliar adequadamente os fundos e despesas, os estudantes que navegam no processo de empr\u00e9stimo estudantil enfrentam uma curva de aprendizado acentuada. Se voc\u00ea est\u00e1 solicitando um empr\u00e9stimo&#8230;<\/p>\n","protected":false},"author":89,"featured_media":29452,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[22,27],"tags":[],"class_list":["post-26917","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>Evite erros comuns de empr\u00e9stimo como estudante internacional | MPOWER Financing<\/title>\n<meta name=\"description\" content=\"Aprenda a evitar erros comuns de empr\u00e9stimo que estudantes internacionais cometem. 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