The Payroll Loan Refinancing is to renegotiate the terms of an existing contract to reduce the interest rate or change the payment period for a longer period and thus get an extra dinheito.

Overall, customers make the loan refinancing to get extra money and get a lower interest rate and melhoredo conditions that the credit agreement signed anteriorly.

The great advantage of the loan agreement of refinancing is to change the conditions you hire between the old contract and the current proposal. But how so? It's simple. We assume that in 2009, you signed a payroll loan agreement had a 2.7% rate pa (per month) and now the payroll loans this with a rate interest of 2.1% pa "You refinance its contract with lower interest rate" and still get the value of the difference.

Another very good difference is that you "gets extra money and still pays the same provision of value." No need to push the monthly budget to contract a new loan.

The refin, as it is known, is mainly used in payroll loan made by civil servants, retirees or pensioners of Social Security and military forces of the three you get "loans with discount in payroll."

The ideal is to refinance at least 50% paid earlier contract. That is, half of the settled portions. This ensures a lower outstanding balance and good extra money. But the loan refinancing can be made from 30% paid, and some financial institutions from 20% paid.

Refinancing is not necessary to have an assignable margin of 30% available for assignment.

In order to make life easier for our customers, we provide the new refinancing simulation form of payroll loan. To "simulate your refinancing," go to: http://simuleemprestimo.com.br/refinanciamento/ and enjoy.

Source : emprestimo.se