Selling a loan?! Want to switch banks to get more money? The sale of loan debt, especially payroll has already become the credit operation among retirees, pensioners, military and federal, municipal and state public servants the best option to get money and still reduce the interest rates of the current loans.
In addition to the exemption of the consultation to the SPC, SCPC and Serasa Experian, the hiring is very safe, if you have the “advance bill of debt” or “discharge bill” is fast to completion. It has convenience, it helps to lower the expensive interest of other operations by applying the best rates in the market now, and still gives conditions to consolidate all the loans in a single bank. Read: Banks buying debts and Renegotiation, purchase of loans and purchase debt.
Want to switch banks to get more money or reduce the cost of loan installments? Sell your debts on consignment loans .. it is a legal transaction and one of the best options that currently exist.
Who is this type of operation for? The sale of debt using the purchase of consigned debt is the result more or less similar to “Portability”, the difference is in the way the procedures take place. In the Portability the contractor informs the bank Y to transfer the debt of the bank X and everything is done via banking system.
1st – Ask the Bank for “Letter of Debtor Balance, Clearing / Settlement Ticket or Debt Position”.
2 – Receive by Mail the document for Anticipation of Debt of item 1. In some banks the ticket arrives by email, in others it is possible to pick up the ticket and take it out on time.
3rd – With the ticket, go to the Loan Shop to Sign and Enter the New contract.
4th – You have to wait from 48 hours to 5 days for the Bank’s unscrambler purchased.
5th – The Management Body “Averba” the New contract and the Money is RELEASED in net value to the Employer.
It is worth mentioning that each case is a case and operations to sell debt debt with the purchase of debt is different, as are the institutions’ request procedures and the payment requirements made by them. Therefore you must find a company that does all the analysis processes of your sheet and that you check all the possibilities. That’s the tip.
The goal is to open Margin Consignable and keep the same deadline, decrease or increase, or add a bit of Margin to the operation, there are numerous configurations.
In the case of the São Paulo City Hall PMSP-SP, rates vary between 1.61% and 2.14% with term of up to 72X, in this case it seems that the loan sale can be excellent since the rates of 3 years ago were around 2.55%.