5 regras para portabilidade de consignado

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A transferência do empréstimo consignado de um banco para outro pode ser uma alternativa para quem está com parcelas e juros altos, ou encontrou condições atrativas na concorrência.

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Mas para ter acesso às vantagens da portabilidade é preciso estar ciente e de acordo com as principais regras:

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1. Fazer parte dos grupos que podem contratar consignado: beneficiários INSS, servidores públicos e trabalhadores de empresas conveniadas

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2. É preciso ter margem livre ou zerada para contratar

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3. Ter pago de 20% a 30% da dívida em andamento

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4. Saber que não há cobranças de tarifas e impostos na portabilidade

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5. E que o banco onde a dívida está ativa não pode recusar a transferência, mas tem a liberdade de oferecer uma contraproposta

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Por outro lado, o banco novo pode se recusar a comprar a dívida anterior.

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Troque seu consignado por um melhor na BX Blue

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Veja também

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Créditos

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