See 7 tips for being approved in the Move Brasil program

The Move Brasil program comes into force this Friday (19), allowing taxi drivers and app drivers to finance brand new cars with reduced interest, with a credit line of R$30 billion in total.

But having your registration approved by the government is just the first step. Bank credit analysis is where most attempts can get stuck.

"The program subsidizes the cost of money via BNDES, but the risk remains with the financial institution, which adopts strict criteria", explains Ricardo Hiraki, personal financial consultant at Plano Fintech de Educação Financeira. His assessment is straightforward: "The majority of refusals will occur during the bank's credit analysis."

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André Bobek, CEO of Mhydas Planning Financeiro, reinforces the point: "Fulfilling the program criteria does not automatically guarantee credit approval. The process goes through two distinct stages: the eligibility analysis carried out by the government and the credit assessment carried out by the financial institution."

We spoke to experts to understand the main precautions to take in these two phases of analysis. Here are some tips:

1 - Pay attention to the history on the platform
The government stage is done digitally via Gov.br and the driver needs to prove active registration for at least twelve months on the same platform and a minimum of one hundred trips in the period. According to Hiraki, it is usually simpler, as long as the driver has no discontinuity in his work history.

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"The important thing is not to migrate applications on the eve of the request, because the government crosses this information directly with the platform", warns the consultant.

For taxi drivers and cooperative members, the guideline is to ensure an active license and taxes are up to date. "It's a filter of professional eligibility, not financial capacity, and is usually easily overcome by those who really make a living from the activity", says Hiraki.

Bobek adds that taxi drivers must keep "licenses, permits and registrations up to date, avoiding pending issues that could hinder the process."

2 - A clean name is ideal
With eligibility guaranteed, the most critical part begins. The first step is to check your CPF status.

"Check your CPF at Serasa and Boa Vista. If there is any restriction, even if small, pay it off or make an installment agreement. The bank will be unlikely to approve the financing if there are active notes", advises Franz Petrucelli, master in administration, accountant and professor at Newton Paiva Wyden.

Hiraki goes in the same direction: "Preparation must begin months in advance: checking the score and CPF at the bureaus, settling pending issues and paying off or renegotiating outstanding debts." He also recommends avoiding new loans and not maxing out your credit card in the period leading up to applying.

André Bobek reinforces: "Overdue debts, frequent use of revolving credit or excessive outstanding installments can compromise approval."

3 - Prove your income
Proving to the bank that you have sufficient and stable income to pay the installments is, in itself, a difficulty for self-employed professionals. "Banks are conservative with variable income", summarizes Petrucelli.

To overcome this, he recommends the following preparations:

"Save consolidated monthly earnings reports directly from the applications for the last 3 to 6 months; use bank statements from your current account, preferably from the account where you receive transfers from races; it is important to bring your Income Tax declaration if you are self-employed or work as a MEI.

Bring the most recent document."

Hiraki suggests building a consistent "financial trail": "Always receive payments in the same account and keep statements from the platforms, which act as proof of income." The CEO of Mhydas adds: "Concentrating receipts in a single bank account and presenting consistent statements helps to strengthen credit analysis."

4 - Go to the bank where you already have a relationship
The choice of financial institution can make a difference in the result.

"The chance of approval is much greater at a financial institution where you already move money, have a Pix key registered or have already paid off other cards and loans", points out Petrucelli. "Official partner banks cross-reference historical data that facilitates the release of credit."

The consultant, Ricardo Hiraki, also points out that "moving the account with receipts from races increases the chances of approval."

5 - Calculate the installment and think about the down payment
According to experts, the installment should not involve more than 25% to 30% of the monthly net income.

But pay attention to what goes into this calculation. Ricardo warns that net income must be calculated "on the real average earnings already discounted fuel, maintenance and downtime", not on gross revenue.

He adds a warning regarding the entry of the vehicle: "As the risk lies with the bank, many institutions must require a significant entry, close to 30% of the value, which, in a R$100,000 car, represents around R$30,000, a concrete barrier for a large part of the category."

6 - Pay attention to the Total Effective Cost
When comparing proposals between banks, André Bobek warns of a common mistake: looking only at the value of the installment.

"The most important indicator is the CET (Total Effective Cost), which brings together all transaction charges, including interest, fees and insurance, allowing a more accurate assessment of the real cost of financing."

He also remembers that the installment is only part of the cost of owning a car: "In addition to the installment, expenses such as fuel or energy, insurance, IPVA, maintenance, tires, inspections, cleaning and depreciation are included in the account."

In addition, Hiraki recommends comparing Move Brasil with other alternatives before signing: "Do not treat approval as an automatic victory, comparing the total cost of Move Brasil with rent and traditional financing before signing."

7 - Organize your finances so you don't lose your car
Once the credit is approved, the organization work continues. Experts recommend treating the installment as a priority fixed cost, keeping a reserve equivalent to three to six installments for the months of lower demand and setting aside a monthly amount for IPVA, insurance and maintenance.

For Bobek, the vision must be strategic: "The main recommendation is to view financing as a business decision. More important than getting approval is ensuring that the credit is sustainable and compatible with the driver's financial reality."

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Source: CNN