Portuguese Phrase
É preciso garantia para este empréstimo?
Meaning
The sentence asks whether a loan requires a guarantee or collateral. It is a formal, business‑like question typically used when discussing loan terms with a bank or financial institution.
When to use
Use this phrase in a bank branch, during a loan application, or when negotiating credit terms with a lender. It is appropriate in both spoken and written Portuguese, especially in formal or semi‑formal contexts.
✦Grammar Breakdown
Éprecisogarantiaparaesteempréstimo?
É preciso + noun
The construction "É preciso" followed by a noun expresses that something is necessary or required.
garantia (noun)
Means "collateral" or "guarantee"; it is a feminine noun, so adjectives would agree in gender.
para (preposition)
Introduces the purpose or target of the necessity; here it links the need for collateral to the loan.
este (demonstrative)
Points to a specific loan that is close to the speaker; "este" agrees with the masculine noun "empréstimo".
empréstimo (noun)
Means "loan"; note the acute accent on the first "e" and the tilde on the "ã" in "garantia".
🗨In Conversation
É preciso garantia para este empréstimo?
Is collateral required for this loan?
Sim, precisamos de um imóvel como garantia.
Yes, we need a property as collateral.
✕Common Mistakes
Eu preciso garantia para este empréstimo?
"Preciso" as a verb means "I need"; the correct impersonal form is "É preciso".
É preciso garantia para esse empréstimo?
"Esse" refers to something farther from the speaker; use "este" for a loan being discussed right now.
É preciso garantia para este emprestimo?
Missing the acute accent on the first "e"; the correct spelling is "empréstimo".
↔Alternatives
É necessária garantia para este empréstimo?
Is a guarantee necessary for this loan?
Precisa de garantia para este empréstimo?
Do you need collateral for this loan?
Este empréstimo exige garantia?
Does this loan require collateral?
Cultural Tip
In Brazil, most banks ask for some form of guarantee (property, vehicle, or a co‑signer) for larger personal or business loans. For smaller consumer credit, guarantees are less common. Using the formal construction "É preciso" signals respect and professionalism, which is appreciated in financial settings.