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headers already sent by (output started at D:\Inetpub\vhosts\blog.dominusauditoria.com.br\httpdocs\wp-includes\theme.php:1409) in D:\Inetpub\vhosts\blog.dominusauditoria.com.br\httpdocs\wp-content\plugins\contestant-rating\cr.class.php on line 304 Portabilidade de credito: mudar a dívida de banco pode diminuir os juros Blog Dominus Strict Standards: Only variables should be passed by reference in D:\Inetpub\vhosts\blog.dominusauditoria.com.br\httpdocs\wp-includes\general-template.php on line 1631
mar
08
2012
Portabilidade de crédito: mudar a dívida de banco pode diminuir os juros

Quando o assunto são dívidas, todas as formas de resolução que diminuam o montante a ser pago são bem-vindas. Entre elas, está uma não muito conhecida: a portabilidade do crédito. Da mesma forma que você pode levar seu número de telefone quando muda de operadora, é possível transferir a sua dívida de banco.

Mas por que fazer isso? Mudar o financiamento de um banco para o outro, pode diminuir os encargos, devido à variação nas taxas de juros. Um banco que ofereça melhores condições de juros e de prazo faz total diferença neste caso, especialmente se a dívida for de alto valor.

Por ser pouco conhecida, a portabilidade de crédito ainda não é tão procurada, o que dá margem para facilitar a aceitação do crédito transferido (isso claro, dependendo das condições de cada instituição financeira e de quem as procura).

E como funciona? A pessoa, primeiro, deve procurar a instituição financeira para onde deseja transferir a dívida. Isso possibilita que o gerente do banco procurado ofereça mais vantagens ao cliente, e a negociação conte como um ponto a mais. Essa oferta movimenta o sistema financeiro dos bancos, já que traz mais competitividade.

Ao ser aceita a proposta, o novo banco quita a dívida com o banco anterior, e o cliente passa a tratar com a nova instituição financeira em questão, seguindo suas políticas. Mas é preciso estar atento à negociação: não apenas as taxas de juros devem ser menores, mas também o número de parcelas e o valor delas, alerta o Procon.

Para saber mais sobre economia, educação financeira, SPED, COFINS e auditoria, conheça nossas redes: Facebook.com/DominusAuditoria e @DominusAuditori.

Com informações de R7 e vídeo do TV Dinheirama.

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