{"id":27126,"date":"2025-10-03T13:43:32","date_gmt":"2025-10-03T17:43:32","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/pt\/blog\/private-international-student-loans-vs-colombian-bank-loans-which-costs-less"},"modified":"2025-12-31T09:13:48","modified_gmt":"2025-12-31T09:13:48","slug":"private-international-student-loans-vs-colombian-bank-loans-which-costs-less","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/pt\/blog\/private-international-student-loans-vs-colombian-bank-loans-which-costs-less","title":{"rendered":"Empr\u00e9stimos privados para estudantes internacionais vs. empr\u00e9stimos banc\u00e1rios colombianos: qual custa menos?"},"content":{"rendered":"<p class=\"c17\">Se voc\u00ea \u00e9 um estudante colombiano que planeja estudar nos Estados Unidos, pode estar comparando <span class=\"c14\" style=\"font-weight: bold\">empr\u00e9stimos privados para estudantes internacionais <\/span><span class=\"c1\" style=\"font-weight: 400\"> com empr\u00e9stimos banc\u00e1rios colombianos. As op\u00e7\u00f5es locais podem parecer mais familiares, mas quando voc\u00ea examina cuidadosamente o custo total, os empr\u00e9stimos internacionais podem oferecer um melhor valor.<\/span><\/p>\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Este artigo explica como cada op\u00e7\u00e3o funciona, quanto realmente custam e como escolher a que melhor se adapta aos seus objetivos educacionais e profissionais.<\/span><\/p>\n<h2 id=\"h.u215au1w8rla\" class=\"c25\"><span class=\"c6\" style=\"font-weight: bold\">O que voc\u00ea precisa saber sobre empr\u00e9stimos banc\u00e1rios colombianos<\/span><\/h2>\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Os estudantes colombianos costumam recorrer a empr\u00e9stimos educacionais de bancos como Bancolombia, Davivienda e Banco de Bogot\u00e1. Mas estes t\u00eam algumas condi\u00e7\u00f5es:<\/span><\/p>\n<ul class=\"c36 lst-kix_list_2-0 start\">\n<li class=\"c11 c32 li-bullet-0\"><span class=\"c15\" style=\"font-weight: bold\">Avalista e garantia:<\/span><span class=\"c1\" style=\"font-weight: 400\"> esses empr\u00e9stimos geralmente exigem que um parente financeiramente est\u00e1vel seja avalista e garanta o empr\u00e9stimo com bens ou economias.<br \/>\n<\/span><\/li>\n<li class=\"c7 c11 li-bullet-0\"><span class=\"c15\" style=\"font-weight: bold\">Limites de empr\u00e9stimo:<\/span><span class=\"c1\" style=\"font-weight: 400\"> muitos bancos colombianos n\u00e3o oferecem o suficiente para cobrir um programa de p\u00f3s-gradua\u00e7\u00e3o de dois anos nos EUA por completo, especialmente se os custos de vida forem inclu\u00eddos.<br \/>\n<\/span><\/li>\n<li class=\"c7 c11 li-bullet-0\"><span class=\"c15\" style=\"font-weight: bold\">Taxas de juros altas:<\/span><span class=\"c1\" style=\"font-weight: 400\"> o juro costuma ser vari\u00e1vel e pode ultrapassar 15%, tornando dif\u00edcil prever o custo total do reembolso.<br \/>\n<\/span><\/li>\n<li class=\"c7 c11 li-bullet-0\"><span class=\"c15\" style=\"font-weight: bold\">In\u00edcio do reembolso antecipado:<\/span><span class=\"c1\" style=\"font-weight: 400\"> alguns bancos come\u00e7am a cobrar pagamentos completos enquanto voc\u00ea ainda est\u00e1 estudando, o que pode ser dif\u00edcil sem um emprego.<br \/>\n<\/span><\/li>\n<li class=\"c17 c11 li-bullet-0\"><span class=\"c15\" style=\"font-weight: bold\">Risco de moeda:<\/span><span class=\"c1\" style=\"font-weight: 400\"> empr\u00e9stimos em pesos colombianos podem flutuar com as taxas de c\u00e2mbio, adicionando incerteza se a mensalidade \u00e9 paga em d\u00f3lares americanos.<\/span><\/li>\n<\/ul>\n<h2 id=\"h.oddstssbfvkg\" class=\"c25\"><span class=\"c6\" style=\"font-weight: bold\">Diferen\u00e7as entre empr\u00e9stimos para estudantes internacionais <\/span><\/h2>\n<p class=\"c4\">Os empr\u00e9stimos para estudantes internacionais projetados para estudantes de p\u00f3s-gradua\u00e7\u00e3o geralmente oferecem condi\u00e7\u00f5es mais flex\u00edveis. Os <span class=\"c14\" style=\"font-weight: bold\">credores de empr\u00e9stimos educacionais privados<\/span><span class=\"c1\" style=\"font-weight: 400\">\u00a0como a MPOWER Financing estruturam seus empr\u00e9stimos levando em considera\u00e7\u00e3o as necessidades internacionais.<\/span><\/p>\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Vamos comparar algumas caracter\u00edsticas-chave:<\/span><\/p>\n<p class=\"c4\"><span class=\"c15\" style=\"font-weight: bold\">Requisito de um avalista:<\/span><span class=\"c1\" style=\"font-weight: 400\">\u00a0n\u00e3o \u00e9 necess\u00e1rio um avalista nem garantia. Em vez de depender do apoio familiar, sua solicita\u00e7\u00e3o \u00e9 baseada no seu programa acad\u00eamico e no seu potencial de renda futura.<\/span><\/p>\n<p class=\"c4\"><span class=\"c15\" style=\"font-weight: bold\">Tamanho do empr\u00e9stimo:<\/span><span class=\"c1\" style=\"font-weight: 400\">\u00a0voc\u00ea pode pedir emprestado at\u00e9 o custo total dos estudos, incluindo as despesas de matr\u00edcula e manuten\u00e7\u00e3o. Desta forma, \u00e9 mais f\u00e1cil or\u00e7amentar todo o programa sem ter que juntar v\u00e1rias fontes.<\/span><\/p>\n<p class=\"c4\"><span class=\"c15\" style=\"font-weight: bold\">Taxas de juros:<\/span><span class=\"c1\" style=\"font-weight: 400\">\u00a0as taxas s\u00e3o fixas, o que significa que n\u00e3o aumentar\u00e3o inesperadamente com o tempo. Embora a taxa b\u00e1sica seja ligeiramente superior \u00e0 anunciada por um banco colombiano, a previsibilidade pode tornar a elabora\u00e7\u00e3o do or\u00e7amento mais simples e segura.<\/span><\/p>\n<p class=\"c4\"><span class=\"c15\" style=\"font-weight: bold\">Plano de reembolso:<\/span><span class=\"c1\" style=\"font-weight: 400\">\u00a0a maioria dos empr\u00e9stimos internacionais permite pagar apenas juros enquanto estuda. O reembolso completo come\u00e7a ap\u00f3s a formatura, dando-lhe tempo para se adaptar \u00e0 sua carreira.<\/span><\/p>\n<p class=\"c4\"><span class=\"c15\" style=\"font-weight: bold\">Alinhamento de moedas:<\/span><span class=\"c1\" style=\"font-weight: 400\">\u00a0como o empr\u00e9stimo \u00e9 emitido em d\u00f3lares americanos, voc\u00ea evitar\u00e1 surpresas com a taxa de c\u00e2mbio ao pagar a matr\u00edcula ou reembolsar o empr\u00e9stimo com um sal\u00e1rio nos Estados Unidos.<\/span><\/p>\n<h2 id=\"h.9vbsjtkv3sqd\" class=\"c25\"><span class=\"c6\" style=\"font-weight: bold\">O que custa menos a longo prazo?<\/span><\/h2>\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Depende do seu programa, or\u00e7amento e tempo, mas em muitos casos, empr\u00e9stimos internacionais como os da MPOWER podem representar um custo total menor e reduzir o risco financeiro em compara\u00e7\u00e3o com as op\u00e7\u00f5es dos bancos locais.<\/span><\/p>\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Por exemplo:<\/span><\/p>\n<table class=\"c24\">\n<tbody>\n<tr class=\"c18\">\n<td class=\"c3\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c15\" style=\"font-weight: bold\">Tipo de empr\u00e9stimo<\/span><\/p>\n<\/td>\n<td class=\"c9\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c15\" style=\"font-weight: bold\">Banco colombiano t\u00edpico*<\/span><\/p>\n<\/td>\n<td class=\"c12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c15\" style=\"font-weight: bold\">Empr\u00e9stimo MPOWER<\/span><\/p>\n<\/td>\n<\/tr>\n<tr class=\"c18\">\n<td class=\"c3\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">\u00c9 necess\u00e1rio um avalista?<\/span><\/p>\n<\/td>\n<td class=\"c9\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Sim<\/span><\/p>\n<\/td>\n<td class=\"c12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">N\u00e3o<\/span><\/p>\n<\/td>\n<\/tr>\n<tr class=\"c18\">\n<td class=\"c3\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">S\u00e3o necess\u00e1rias garantias?<\/span><\/p>\n<\/td>\n<td class=\"c9\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Sim<\/span><\/p>\n<\/td>\n<td class=\"c12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">N\u00e3o<\/span><\/p>\n<\/td>\n<\/tr>\n<tr class=\"c18\">\n<td class=\"c3\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Moeda do empr\u00e9stimo<\/span><\/p>\n<\/td>\n<td class=\"c9\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">COP (pesos colombianos)<\/span><\/p>\n<\/td>\n<td class=\"c12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">USD (d\u00f3lares americanos)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr class=\"c18\">\n<td class=\"c3\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Taxa de juros<\/span><\/p>\n<\/td>\n<td class=\"c9\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Vari\u00e1vel <\/span><\/p>\n<\/td>\n<td class=\"c12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Fixa <\/span><\/p>\n<\/td>\n<\/tr>\n<tr class=\"c18\">\n<td class=\"c3\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">In\u00edcio do reembolso total<\/span><\/p>\n<\/td>\n<td class=\"c9\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Durante os estudos<\/span><\/p>\n<\/td>\n<td class=\"c12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Ap\u00f3s a gradua\u00e7\u00e3o<\/span><\/p>\n<\/td>\n<\/tr>\n<tr class=\"c18\">\n<td class=\"c3\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Cobre o custo total do programa?<\/span><\/p>\n<\/td>\n<td class=\"c9\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Muitas vezes est\u00e1 limitado<\/span><\/p>\n<\/td>\n<td class=\"c12\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Sim, incluindo despesas de subsist\u00eancia (nos EUA)<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">**Isso \u00e9 representativo das condi\u00e7\u00f5es t\u00edpicas de empr\u00e9stimos oferecidos por bancos na Col\u00f4mbia, de acordo com a pesquisa da MPOWER Financing. Alguns bancos ou outros credores na Col\u00f4mbia podem ter condi\u00e7\u00f5es diferentes das mostradas. Cada estudante deve pesquisar as op\u00e7\u00f5es dispon\u00edveis para encontrar a melhor op\u00e7\u00e3o de financiamento para sua situa\u00e7\u00e3o pessoal. <\/span><\/p>\n<h2 id=\"h.g1xt7cup7kuk\" class=\"c25\"><span class=\"c6\" style=\"font-weight: bold\">Por que MPOWER Financing \u00e9 uma op\u00e7\u00e3o inteligente para estudantes colombianos<\/span><\/h2>\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">MPOWER Financing ajuda estudantes colombianos a cursar programas de p\u00f3s-gradua\u00e7\u00e3o nos Estados Unidos e Canad\u00e1 sem depender de avalistas ou bens familiares. Os empr\u00e9stimos s\u00e3o aprovados com base no seu potencial acad\u00eamico, e n\u00e3o no seu hist\u00f3rico de cr\u00e9dito ou garantias.<\/span><\/p>\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Com MPOWER, voc\u00ea pode fazer o seguinte:<\/span><\/p>\n<ul class=\"c36 lst-kix_list_3-0 start\">\n<li class=\"c32 c11 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Pedir emprestado at\u00e9 o custo total dos estudos nos EUA ou a matr\u00edcula e as despesas faturadas pelas universidades no Canad\u00e1.<br \/>\n<\/span><\/li>\n<li class=\"c7 c11 li-bullet-0\">Acessar <span class=\"c15 c19\" style=\"font-weight: bold\">taxas fixas de empr\u00e9stimos privados educacionais<\/span><span class=\"c1\" style=\"font-weight: 400\"> sem comiss\u00f5es nem multas.<br \/>\n<\/span><\/li>\n<li class=\"c7 c11 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Come\u00e7ar pagando apenas juros enquanto estuda.<br \/>\n<\/span><\/li>\n<li class=\"c7 c11 li-bullet-0\">Obter apoio atrav\u00e9s do programa <span class=\"c21\"><a class=\"c31\" href=\"https:\/\/www.mpowerfinancing.com\/pt\/resources\/path-2-success\">Path2Success<\/a><\/span><span class=\"c1\" style=\"font-weight: 400\">, que inclui prepara\u00e7\u00e3o vocacional e orienta\u00e7\u00e3o sobre vistos.<br \/>\n<\/span><\/li>\n<li class=\"c17 c11 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Construir seu cr\u00e9dito nos EUA atrav\u00e9s do pagamento pontual e do reembolso satisfat\u00f3rio do seu empr\u00e9stimo em sua totalidade.<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Essa estrutura faz da MPOWER uma op\u00e7\u00e3o especialmente \u00fatil para estudantes colombianos que querem evitar a press\u00e3o financeira dos empr\u00e9stimos tradicionais enquanto constroem uma base para o sucesso a longo prazo no exterior.<\/span><\/p>\n<p class=\"c7\">NOTA: A solicita\u00e7\u00e3o, as informa\u00e7\u00f5es e os servi\u00e7os da MPOWER est\u00e3o dispon\u00edveis apenas em ingl\u00eas.<\/p>\n<h2 id=\"h.n3x94na3hlqe\" class=\"c25\"><span class=\"c6\" style=\"font-weight: bold\">O que voc\u00ea deve considerar antes de escolher<\/span><\/h2>\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Antes de decidir, pergunte a si mesmo o seguinte:<\/span><\/p>\n<ul class=\"c36 lst-kix_list_1-0 start\">\n<li class=\"c32 c11 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Serei eu o respons\u00e1vel pelo reembolso ou minha fam\u00edlia contribuir\u00e1?<br \/>\n<\/span><\/li>\n<li class=\"c7 c11 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Posso fornecer um avalista e uma garantia sem risco financeiro para minha fam\u00edlia?<br \/>\n<\/span><\/li>\n<li class=\"c7 c11 li-bullet-0\"><span class=\"c1\" style=\"font-weight: 400\">Pretendo trabalhar nos EUA ap\u00f3s a formatura?<br \/>\n<\/span><\/li>\n<li class=\"c17 c11 li-bullet-0\">Um <span class=\"c14\" style=\"font-weight: bold\">empr\u00e9stimo estudantil com taxa fixa<\/span><span class=\"c1\" style=\"font-weight: 400\"> reduziria meu estresse?<\/span><\/li>\n<\/ul>\n<p class=\"c4\"><span class=\"c1\" style=\"font-weight: 400\">Se voc\u00ea prefere ter controle total sobre suas finan\u00e7as, quer estudar de forma independente ou n\u00e3o tem acesso a um avalista, um empr\u00e9stimo privado para estudantes internacionais pode oferecer um melhor valor a longo prazo do que um empr\u00e9stimo banc\u00e1rio tradicional na Col\u00f4mbia.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Se voc\u00ea \u00e9 um estudante colombiano que planeja estudar nos Estados Unidos, pode estar comparando empr\u00e9stimos privados para estudantes internacionais com empr\u00e9stimos banc\u00e1rios colombianos. As op\u00e7\u00f5es locais podem parecer mais familiares, mas quando voc\u00ea&#8230;<\/p>\n","protected":false},"author":24,"featured_media":36326,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[22],"tags":[],"class_list":["post-27126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-blogs"],"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>Empr\u00e9stimos privados para estudantes internacionais vs. empr\u00e9stimos banc\u00e1rios colombianos: qual custa menos? | MPOWER Financing Portuguese<\/title>\n<meta name=\"description\" content=\"Se voc\u00ea \u00e9 um estudante colombiano que planeja estudar nos Estados Unidos, pode estar comparando empr\u00e9stimos privados para estudantes internacionais com\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/private-international-student-loans-vs-colombian-bank-loans-which-costs-less\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Empr\u00e9stimos privados para estudantes internacionais vs. empr\u00e9stimos banc\u00e1rios colombianos: qual custa menos? 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