{"id":946,"date":"2025-12-23T15:11:02","date_gmt":"2025-12-23T18:11:02","guid":{"rendered":"http:\/\/www.ce.gov.br\/proconceara\/?page_id=946"},"modified":"2026-01-07T11:24:10","modified_gmt":"2026-01-07T14:24:10","slug":"emprestimo-consignado","status":"publish","type":"page","link":"https:\/\/www.ce.gov.br\/proconceara\/emprestimo-consignado\/","title":{"rendered":"Empr\u00e9stimo Consignado"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p><strong>N\u00e3o reconhe\u00e7o um empr\u00e9stimo consignado. O que fazer?<\/strong><br \/>\nProcure imediatamente a institui\u00e7\u00e3o financeira para pedir esclarecimentos e solicitar a suspens\u00e3o dos descontos.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Posso pedir c\u00f3pia do contrato do empr\u00e9stimo?<\/strong><br \/>\nSim. O consumidor tem direito a receber o contrato.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Em caso de fraude, posso cancelar o contrato?<\/strong><br \/>\nSim. Contrata\u00e7\u00f5es irregulares podem ser anuladas, com devolu\u00e7\u00e3o dos valores j\u00e1 descontados.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u00c9 poss\u00edvel recuperar valores j\u00e1 descontados?<\/strong><br \/>\nSim, quando a fraude ou irregularidade \u00e9 comprovada.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Como saber quais empr\u00e9stimos consignados existem em meu nome?<\/strong><br \/>\nVoc\u00ea pode solicitar ao INSS o Hist\u00f3rico de Consignados (HISCON) e o extrato do benef\u00edcio, onde constam todas as opera\u00e7\u00f5es realizadas.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>O consumidor pode desistir do empr\u00e9stimo consignado ap\u00f3s a contrata\u00e7\u00e3o?<\/strong><\/p>\n<p><span style=\"font-weight: 400\">Sim. \u00c9 assegurado o direito de arrependimento em at\u00e9 7 dias quando a contrata\u00e7\u00e3o ocorre fora do estabelecimento comercial.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong>O banco pode oferecer portabilidade sem esclarecer as condi\u00e7\u00f5es?<\/strong><\/p>\n<p><span style=\"font-weight: 400\">N\u00e3o. A portabilidade deve apresentar vantagens reais, com informa\u00e7\u00e3o clara sobre taxas, prazos e valor total da d\u00edvida.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong>A institui\u00e7\u00e3o pode dificultar a quita\u00e7\u00e3o antecipada do consignado?<\/strong><b><br \/>\n<\/b><span style=\"font-weight: 400\"> N\u00e3o. O consumidor tem direito \u00e0 quita\u00e7\u00e3o antecipada com redu\u00e7\u00e3o proporcional dos juros.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u00c9 permitida a cobran\u00e7a de tarifa para liberar cr\u00e9dito consignado?<\/strong><b><br \/>\n<\/b><span style=\"font-weight: 400\"> N\u00e3o. A cobran\u00e7a de taxa para libera\u00e7\u00e3o de cr\u00e9dito \u00e9 considerada indevida.<\/span><br \/>\n&nbsp;<\/p>\n<p><a href=\"https:\/\/www.ce.gov.br\/proconceara\/perguntas-frequentes\/\" class=\"btn-link\">Voltar para Perguntas Frequentes<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; N\u00e3o reconhe\u00e7o um empr\u00e9stimo consignado. O que fazer? Procure imediatamente a institui\u00e7\u00e3o financeira para pedir esclarecimentos e solicitar a suspens\u00e3o dos descontos. &nbsp; Posso pedir c\u00f3pia do contrato do empr\u00e9stimo? Sim. O consumidor tem direito a receber o contrato. &nbsp; Em caso de fraude, posso cancelar o contrato? Sim. Contrata\u00e7\u00f5es irregulares podem ser anuladas, [&hellip;]<\/p>\n","protected":false},"author":967,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-946","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Empr\u00e9stimo Consignado - PROCONCEARA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ce.gov.br\/proconceara\/emprestimo-consignado\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Empr\u00e9stimo Consignado - PROCONCEARA\" \/>\n<meta property=\"og:description\" content=\"&nbsp; N\u00e3o reconhe\u00e7o um empr\u00e9stimo consignado. O que fazer? Procure imediatamente a institui\u00e7\u00e3o financeira para pedir esclarecimentos e solicitar a suspens\u00e3o dos descontos. &nbsp; Posso pedir c\u00f3pia do contrato do empr\u00e9stimo? Sim. O consumidor tem direito a receber o contrato. &nbsp; Em caso de fraude, posso cancelar o contrato? Sim. 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