It is undeniable that the loan is of great help in times of financial discomfort, but it is always necessary to look for financial institutions that offer good payment conditions, or even, you can opt for the portability of payroll. But, do you know how the portability of payroll with online change works?

Thus, in this text, you will understand better about this modality and also get to know institutions that carry out this portability and then continue reading and choose the best alternative for you. Check out!

Before understanding what consignment portability with online change is, we need to understand what consignment portability is.

Thus, payroll portability is the possibility for the consumer to take his credit from one financial institution to another that has better payment conditions than the previous one, and this is done through a survey of rates and interest so that the customer can choose the best proposal.

So, in the case of portability of payroll with online change, the customer can also refinance the amounts already paid on the loan he had with the other financial institution and receive that amount which is the change left over from the transaction, hence the name change and this entire transaction takes place online.

In this way, it is a very attractive way for consumers to always be able to seek better payment terms!

Initially, you need to have a payroll loan with a financial institution. So, you do a search for rates and interest at other institutions to look for better loan repayment conditions. When you find it, you will carry out the portability to the new bank, so let's go to an example.

For example, you borrowed R$2,000 from the old financial institution to pay in 12 months and paid R$1,000 reais and decided to ask for portability.

Thus, when carrying out the portability, the new bank pays off the R$1,000 reais that the old bank still lacked and you owe this amount to the current bank.

In this sense, you can ask for “change”, that is, the new bank refinances your debt and lends you again the R$1,000 reais that you had already paid but with better conditions to pay off a debt or other needs, and you can do it all online.

So, just research the conditions of the banks that we will mention later and choose the one that offers the best proposals.

Now meet 4 banks that carry payroll with change. So check it out!

First, Banco Santander makes portability with online change.

Thus, the maximum terms are up to 7 months for employees of private companies and 144 months for federal public servants. On the other hand, Santander also offers very interesting interest rates and CET for new customers.

In this way, Santander seeks to offer a proposal based on the credit analysis carried out for the customer with personalized interest rates and you can simulate everything on the institution's website! Also, if it's still not what you're looking for, just keep reading!

So, Banco do Brasil also makes payroll loans for INSS retirees and pensioners, in addition to public servants, with very attractive payment terms.

Thus, you can also choose to carry out portability and thus seek better conditions for your loan with a term of up to 96 months to pay off the debt and the interest rates are also customized according to the credit analysis and the number of installments.

Furthermore, Banco Bradesco is also a good option for INSS retirees and pensioners as it has very attractive payment conditions.

Thus, you can also request change portability with up to 8 years to pay in installments, interest rates starting at 2.14% per month and the release period after annotation of the contract. Furthermore, the loan amount is up to 30% of your monthly income!

So, Banrisul bank is also a great option for INSS retirees and pensioners, in addition to public servants who can hire without much difficulty, so you can request portability at physical branches or online.

Furthermore, now that you already know how online change portability works, all you have to do is choose which of these institutions offers the best proposal according to your current scenario!