From this Friday, worker with a formal contract can exchange debt for credit with lower interest; Learn how to do portability
From this Friday (16.MAI.2025), workers with a formal contract may migrate payroll or direct credit to the consumer hired in other financial institutions to the Worker credit.
The program offers lower interest loans. Since April, it was only possible to exchange debts within the same financial institution. Now more than 70 qualified banks and financials are allowed to allow migration directly by their own applications or websites. The functionality is not yet available on.
Debt exchange is only advantageous if the new payroll has interest lower than those of the original loan. According to government data, the CDC (direct consumer credit) has average interest rates of 7% to 8% per month. In worker credit, the rates are around 3% per month. Some banks charge from 1.6%.
O Poder360 in the application where the modality is offered at this 1st moment. The simulations were made by people who receive from $ 1,500 to $ 4,600, with 1 to 5 years of signed portfolio. Only one of 9 payroll loan simulations carried out by Pot360 was below 2.91%.
According to the provisional measure that created the program, the reduction of interest is mandatory in debt migration. The worker hires the new loan for the worker’s credit and the amount is used to pay off the previous debt. If available margin available, you can apply for additional credit.
The obligation to reduce interest is valid for 120 days, until July 21. During this period, the bank can offer migration directly to the customer. If you do not consider the advantageous proposal, the worker may choose portability to another financial institution.
How it works
In the digital work card app, the worker authorizes data sharing such as CPF, company time and consignable margin.
According to the government, the worker chooses the best proposal, with lower interest rates. The installments are discounted directly on the payroll. Up to 35% of monthly income can be committed to the loan.
Portability
To ask for portability, the worker must:
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Verify that the new bank offers the CLT pay line;
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Request portability by website or application;
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The new institution sets the old debt and assumes credit with new conditions.
Future stages
From June 6, it will be possible to change the financial institution of the new private payroll. The worker may migrate debts from any bank, including contracts of the worker’s own credit since March.
Operations management is done by Dataprev. The Ministry of Labor and Employment follows interest rates and the profile of the borrowers.
Automatic portability is valid only for CDC and payroll loans. Debts on overdraft or credit card can also be paid with the new line, but require prior renegotiation with the bank.
Program data
According to the Ministry of Labor, the program has already released R $ 10.3 billion. The average value per contract is R $ 5,383.22. The average installment is 17, with monthly installment of R $ 317.20.
Of the more than 70 qualified institutions, 35 operate the payroll for workers with a formal contract. The states with the highest volume of operations are Sao Paulo, Rio de Janeiro, Minas Gerais, Rio Grande do Sul and Paraná.
With information from.
