The CLT parole portability begins to apply between the seats; See how to ask | The economy

A. From this Friday (16)OS Workers with payroll loans or direct consumer credit (CDC) They can do Migrate to workers’ credit from other financial institutions. The program offers less interest to workers with an official agreement. Since April, the exchange of expensive debt, cheap, can only be done in the same company.

But 70 qualified financial institutions In the program they are already allowed to provide exchange directly to their applications and websites. At this stage, migration on the digital work card is not yet available.

The CLT payroll released two months ago is only beneficial in cases where the worker has lower interest rates than the contraceptive credit lines. On average, CDC is interested in 7% to 8% per month. In the Worker Credit Program, fees are over 3% per month, while some banks charge 1.6% per month.

According to the temporary measurement (MP) launched by the Worker Credit Program, it is mandatory to reduce interest in loan exchange. To do this process, the worker takes the loan made by the worker’s credit and pays the previous loan. If you have a consignment margin, you can apply for a new credit.

The responsibility of reducing interest rates for debt change is valid for up to 120 days, until July 21, according to the MP. In addition, the Bank offers the opportunity to migrate to the worker credit directly with reduced rates to its customers. If the worker cannot find beneficial conditions, he can choose portability for another financial institution.

How it works

In the Digital Work Card app, the worker authorized to share his data (such as the CPF, the company’s time and the available margin).

• Within 24 hours, financial institutions send credit offers.
• The worker chooses the best proposal with low interest rates.
• The installments are directly discounted in the payroll.
• Up to 35% of the monthly income adheres to the loan.

How to order portability

• Verify that Destination Bank offers a new payroll to CLT.
• Ask the company’s digital channels (website or application) portability.
• The new company dictates the previous loan and automatically the UMES automatically the credit with the interest and deadline of the new line.

Next steps

A. From June 6A worker who has made new kind of private goods can change financial institutions and chooses to provide low interest rates. At this stage, Any bank’s loan may migrate from March, including the credit lines of worker.

Debt exchange and granting new loans will be maintained by Datapreve. The Ministry of Labor and Employment oversees the interest rates and credit borrowers’ profile every day.

Automatic debt portability is only valid for CDC or traditional payroll loans. However, the Worker Credit Line Line can also be taken to pay the worker off-suffering or credit card loans. In such cases, it is necessary to re -negotiate before appointing a loan to pay the loan.

According to the latest data from the Ministry of Labor and Employment, the Worker Credit Program has released approximately R $ 10.3 billion. The average value for the contract corresponds to R $ 5,383.22, on average of 17 installments and an average R $ 317.20. Of the more than 70 qualified financial institutions, 35 new goods mode. Sao Paulo, Rio de Janeiro, Minus Garies, Rio Grande Do Sul and Parana are the highest concessions through the new program.