{"id":221117,"date":"2025-09-16T13:54:26","date_gmt":"2025-09-16T16:54:26","guid":{"rendered":"https:\/\/meutudo.com.br\/blog\/?post_type=web-story&#038;p=221117"},"modified":"2025-09-16T13:57:56","modified_gmt":"2025-09-16T16:57:56","slug":"refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo","status":"publish","type":"web-story","link":"https:\/\/meutudo.com.br\/blog\/web-stories\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo\/","title":{"rendered":"Refinanciar Consignado CLT \u00e9 o mesmo que contratar novo empr\u00e9stimo?"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link 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publisher-logo-src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2021\/09\/logo-preto-meutudo.png\" title=\"Refinanciar Consignado CLT \u00e9 o mesmo que contratar novo empr\u00e9stimo?\" poster-portrait-src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-1.png\"><amp-story-page id=\"82d0177d-4cc9-4af3-8235-d42f4c24d6db\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#444344\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-5b18478b-7ef8-421c-ae4a-35ca2bdc0ea3\">\n<div style=\"position:absolute;width:133.38544%;height:100%;left:-16.69272%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo.png\" alt=\"Trabalhador CLT analisando se vale a pena refinanciar o empr\u00e9stimo consignado.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo.png 640w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-225x300.png 225w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-150x200.png 150w\" sizes=\"(min-width: 1024px) 60vh, 133vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<div class=\"element-overlay-area\" style=\"background-color:rgba(255,23,133,0.08)\"><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background-color:rgba(255,23,133,0.08)\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-0.24272%;top:-10.84142%;width:100.72816%;height:41.90939%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-54da1b29-c311-4aed-be16-afc7f5038998\">\n<div class=\"fill\" style=\"background-color:#000;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:7.28155%;width:70.38835%;height:21.68285%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6896551724137931% 0.6896551724137931% 0.6896551724137931% 0.6896551724137931% \/ 1.4925373134328357% 1.4925373134328357% 1.4925373134328357% 1.4925373134328357%\" id=\"el-3e52ed07-8272-445a-bcc7-8e519caf7585\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.14000000000000082% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.453074em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Refinanciar Consignado CLT \u00e9 o mesmo que contratar novo empr\u00e9stimo?<br \/>\n<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:68.4466%;top:27.34628%;width:8.98058%;height:5.98706%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;clip-path:url(#el-2a874cb9-03bd-4426-8c93-ff21360d8d72);-webkit-clip-path:url(#el-2a874cb9-03bd-4426-8c93-ff21360d8d72)\" 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Z\"><\/path><\/clipPath><\/defs><\/svg><\/p>\n<div class=\"fill\" style=\"background-color:#ff1785;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:95.63107%;top:27.34628%;width:8.98058%;height:5.98706%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;clip-path:url(#el-312d23f8-d92a-412f-8334-e7468b0e47f6);-webkit-clip-path:url(#el-312d23f8-d92a-412f-8334-e7468b0e47f6)\" class=\"mask\"><svg width=\"0\" height=\"0\"><defs><clipPath id=\"el-312d23f8-d92a-412f-8334-e7468b0e47f6\" transform=\"scale(1 1)\" clipPathUnits=\"objectBoundingBox\"><path d=\"M 0,0.5 a 0.5,0.5 0 1,0 1,0 a 0.5,0.5 0 1,0 -1,0 Z\"><\/path><\/clipPath><\/defs><\/svg><\/p>\n<div class=\"fill\" style=\"background-color:#ff1785;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:-7.03883%;top:90.7767%;width:61.16505%;height:5.01618%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:39.682539682539684% 39.682539682539684% 39.682539682539684% 39.682539682539684% \/ 322.5806451612903% 322.5806451612903% 322.5806451612903% 322.5806451612903%\" class=\"mask\" id=\"el-b45efb2d-e77e-4cbd-bf8e-eb6df336c79d\">\n<div class=\"fill\" style=\"background-color:#ff1785;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:13.83495%;top:91.90939%;width:40.29126%;height:2.75081%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:1.2048192771084338% 1.2048192771084338% 1.2048192771084338% 1.2048192771084338% \/ 11.76470588235294% 11.76470588235294% 11.76470588235294% 11.76470588235294%\" id=\"el-7cab3bba-ef89-4538-9cb8-9147ef841eb5\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.08012048192771139% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.226537em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">16\/09\/2025 <\/span><span style=\"font-weight: 500; color: #fff\">&#8211; meutudo.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.13592%;top:0;width:18.68932%;height:7.28155%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-0c262005-ec7f-423b-a281-997db2be4700\">\n<div style=\"position:absolute;width:100%;height:101.76216%;left:0%;top:-0.88108%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2022\/09\/logopng7.preto_.png\" alt=\"logopng7.preto\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2022\/09\/logopng7.preto_.png 908w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2022\/09\/logopng7.preto_-768x457.png 768w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2022\/09\/logopng7.preto_-300x178.png 300w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2022\/09\/logopng7.preto_-150x89.png 150w\" sizes=\"(min-width: 1024px) 8vh, 19vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"b8d341a8-c39a-4287-b916-248cdbd55322\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#9d927a\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-07f5e9c6-85b6-4320-b6cf-768216475f35\">\n<div style=\"position:absolute;width:133.38544%;height:100%;left:-8.49304%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-2.png\" alt=\"Cliente assinando contrato de refinanciamento de cr\u00e9dito consignado CLT.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-2.png 640w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-2-225x300.png 225w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-2-150x200.png 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.58252%;top:55.50162%;width:91.01942%;height:39.64401%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.666666666666668% 10.666666666666668% 10.666666666666668% 10.666666666666668% \/ 16.3265306122449% 16.3265306122449% 16.3265306122449% 16.3265306122449%\" class=\"mask\" id=\"el-95feefba-4792-42d8-80c1-eec5a367c8a4\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:59.70874%;width:64.56311%;height:31.06796%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7518796992481203% 0.7518796992481203% 0.7518796992481203% 0.7518796992481203% \/ 1.0416666666666665% 1.0416666666666665% 1.0416666666666665% 1.0416666666666665%\" id=\"el-29c07304-c58c-4281-a9d6-f204fe354722\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.07142857142857191% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 500\">O refinanciamento de cr\u00e9dito consignado CLT <\/span><span style=\"font-weight: 700\">corresponde juridicamente \u00e0 celebra\u00e7\u00e3o de um contrato distinto<\/span><span style=\"font-weight: 500\">, pois quita integralmente o saldo devedor anterior e estabelece novas condi\u00e7\u00f5es de pagamento.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"74d0fc9b-a2d8-4048-bb95-b5c16eb9d098\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#7d573d\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-59f789db-ac8e-4297-98b8-f81727a52ca3\">\n<div style=\"position:absolute;width:133.38544%;height:100%;left:-13.12267%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-3.png\" alt=\"Trabalhador CLT revisando condi\u00e7\u00f5es de parcelamento ap\u00f3s refinanciamento.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-3.png 640w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-3-225x300.png 225w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-3-150x200.png 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.58252%;top:55.50162%;width:91.01942%;height:39.64401%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.666666666666668% 10.666666666666668% 10.666666666666668% 10.666666666666668% \/ 16.3265306122449% 16.3265306122449% 16.3265306122449% 16.3265306122449%\" class=\"mask\" id=\"el-120e67ba-d423-4b9f-be84-11459cc54e21\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.40777%;top:61.8123%;width:69.17476%;height:27.18447%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7017543859649122% 0.7017543859649122% 0.7017543859649122% 0.7017543859649122% \/ 1.1904761904761905% 1.1904761904761905% 1.1904761904761905% 1.1904761904761905%\" id=\"el-e3de67ff-b970-4589-8d82-7cd5755a1168\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06666666666666712% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 500\">Ou seja, o contrato atual passar\u00e1 por uma <\/span><span style=\"font-weight: 700\">renegocia\u00e7\u00e3o na mesma institui\u00e7\u00e3o financeira<\/span><span style=\"font-weight: 500\">, podendo estender o prazo de pagamento, reduzir o valor das parcelas ou aproveitar nova taxa de juros.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"7fffdb44-fadc-460e-9c22-e5c444eea5b9\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#b9b7b4\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-f0ae5de5-28ac-49ed-8cdd-31d6a2147879\">\n<div style=\"position:absolute;width:133.38544%;height:100%;left:-20.22143%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-4.png\" alt=\"Trabalhadora conferindo margem consign\u00e1vel dispon\u00edvel em seu benef\u00edcio.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-4.png 640w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-4-225x300.png 225w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-4-150x200.png 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.58252%;top:55.50162%;width:91.01942%;height:39.64401%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.666666666666668% 10.666666666666668% 10.666666666666668% 10.666666666666668% \/ 16.3265306122449% 16.3265306122449% 16.3265306122449% 16.3265306122449%\" class=\"mask\" id=\"el-d17725e4-0fa6-48f3-bad6-834e152497fa\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:59.70874%;width:66.99029%;height:31.06796%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7246376811594203% 0.7246376811594203% 0.7246376811594203% 0.7246376811594203% \/ 1.0416666666666665% 1.0416666666666665% 1.0416666666666665% 1.0416666666666665%\" id=\"el-6ea71573-f8ce-4f0a-bc9d-641375a4846d\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06884057971014539% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 500\">Logo, com as novas condi\u00e7\u00f5es acordadas, a <\/span><span style=\"font-weight: 700\">institui\u00e7\u00e3o financeira firma um novo contrato<\/span><span style=\"font-weight: 500\">, mantendo como garantia o desconto autom\u00e1tico em folha e a margem consign\u00e1vel de at\u00e9 35% da remunera\u00e7\u00e3o l\u00edquida.&nbsp;<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"ef0c49f8-95db-470f-934f-2a2732430e3f\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#dcc1ab\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-ffa1f106-a008-4cc6-97bd-a38dc952dad6\">\n<div style=\"position:absolute;width:133.38544%;height:100%;left:-10.03625%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-5.png\" alt=\"Cliente feliz ao receber valor de troco ap\u00f3s refinanciamento do consignado.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-5.png 640w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-5-225x300.png 225w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-5-150x200.png 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.58252%;top:55.50162%;width:91.01942%;height:39.64401%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.666666666666668% 10.666666666666668% 10.666666666666668% 10.666666666666668% \/ 16.3265306122449% 16.3265306122449% 16.3265306122449% 16.3265306122449%\" class=\"mask\" id=\"el-2ec3b8be-3108-430e-9fec-991f44ee961d\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:63.75405%;width:61.40777%;height:23.30097%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7905138339920948% 0.7905138339920948% 0.7905138339920948% 0.7905138339920948% \/ 1.3888888888888888% 1.3888888888888888% 1.3888888888888888% 1.3888888888888888%\" id=\"el-5f1c4535-8692-4461-adc0-bbb0ce1805ad\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.07509881422924951% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 500\">Aqui na meutudo, voc\u00ea pode manter o valor da parcela mensal e <\/span><span style=\"font-weight: 700\">aumentar o tempo de pagamento<\/span><span style=\"font-weight: 500\">, isso te renderia um valor de \u201ctroco\u201d a receber.<br \/>\n<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"96835091-3820-4d84-97d3-cb880658518f\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#393c3f\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-17506f56-8081-4ff3-9a71-17f4d2b524be\">\n<div style=\"position:absolute;width:133.38544%;height:100%;left:-12.07329%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-6.png\" alt=\"Fam\u00edlia avaliando novas oportunidades de cr\u00e9dito com margem consign\u00e1vel.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-6.png 640w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-6-225x300.png 225w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-6-150x200.png 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.58252%;top:55.50162%;width:91.01942%;height:39.64401%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.666666666666668% 10.666666666666668% 10.666666666666668% 10.666666666666668% \/ 16.3265306122449% 16.3265306122449% 16.3265306122449% 16.3265306122449%\" class=\"mask\" id=\"el-ee421350-7aa6-47e5-b6b5-07835bb2b6a2\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:65.53398%;width:54.36893%;height:19.41748%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.8928571428571428% 0.8928571428571428% 0.8928571428571428% 0.8928571428571428% \/ 1.6666666666666667% 1.6666666666666667% 1.6666666666666667% 1.6666666666666667%\" id=\"el-44411b8e-62e7-4782-ab5f-60c03b65729f\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.08482142857142914% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span>Mas tamb\u00e9m pode ter mais oportunidades, como <span style=\"font-weight: 700\">receber um troco maior caso tenha margem dispon\u00edvel.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"11bf0831-f543-4c6a-854b-ebcb3af1e4d4\" auto-advance-after=\"15s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#d9d5d6\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-fc9a5180-4b07-4c3d-a3ad-2f12ee1faaf8\">\n<div style=\"position:absolute;width:133.38544%;height:100%;left:-15.77699%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-7.png\" alt=\"Cliente da meutudo conferindo op\u00e7\u00e3o de refinanciamento consignado no aplicativo.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-7.png 640w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-7-225x300.png 225w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-7-150x200.png 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background:transparent\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.58252%;top:55.50162%;width:91.01942%;height:39.64401%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:10.666666666666668% 10.666666666666668% 10.666666666666668% 10.666666666666668% \/ 16.3265306122449% 16.3265306122449% 16.3265306122449% 16.3265306122449%\" class=\"mask\" id=\"el-8dc6b735-557a-46c8-81ec-76ab4b639a2b\">\n<div class=\"fill\" style=\"background-color:rgba(236,236,236,0.9);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:63.75405%;width:65.04854%;height:23.30097%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7462686567164178% 0.7462686567164178% 0.7462686567164178% 0.7462686567164178% \/ 1.3888888888888888% 1.3888888888888888% 1.3888888888888888% 1.3888888888888888%\" id=\"el-ea88b350-eeae-4426-99b4-8ffdd2c1f2e0\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.07089552238806018% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span>Se voc\u00ea \u00e9 cliente meutudo e est\u00e1 precisando dar conta das finan\u00e7as, o refinanciamento pode se tornar uma <span style=\"font-weight: 700\">op\u00e7\u00e3o mais confort\u00e1vel para resolver suas d\u00edvidas.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"38fc7752-9ef3-44dc-ae6b-0b9127ce5fd5\" auto-advance-after=\"15s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-6c852844-5419-41bb-a172-3fad725d88a7 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate(6.562919642203045%, 0%) scale(1.5)\",\"translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#dde0e1\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-6c852844-5419-41bb-a172-3fad725d88a7\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-58587a33-0584-477b-8fd5-1f2db33dbb96\">\n<div style=\"position:absolute;width:133.38544%;height:100%;left:-12.3106%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-9.png\" alt=\"Pessoas aproveitando os benef\u00edcios do refinanciamento do consignado CLT.\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-9.png 640w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-9-225x300.png 225w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2025\/09\/refinanciar-consignado-clt-e-o-mesmo-que-novo-emprestimo-9-150x200.png 150w\" sizes=\"(min-width: 1024px) 60vh, 133vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<div class=\"element-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 40%, rgba(0,0,0,0.5) 100%)\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 40%, rgba(0,0,0,0.5) 100%)\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:19.41748%;top:96.76375%;width:59.70874%;height:10.03236%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:406.50406504065046% 406.50406504065046% 406.50406504065046% 406.50406504065046% \/ 1612.9032258064517% 1612.9032258064517% 1612.9032258064517% 1612.9032258064517%\" class=\"mask\" id=\"el-620f1d45-5437-4374-8b1c-a0ff31aa0fb6\">\n<div class=\"fill\" style=\"background-color:rgba(255,23,133,0.8);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:13.34951%;top:55.01618%;width:73.30097%;height:33.49515%;opacity:1\">\n<div 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src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2.png\" alt=\"right-arrow (2)\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2.png 512w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2-300x300.png 300w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2-150x150.png 150w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2-96x96.png 96w\" sizes=\"(min-width: 1024px) 3vh, 7vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:46.60194%;top:81.5534%;width:6.5534%;height:4.36893%;transform:rotate(90deg);opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-c45a7872-8263-4628-9da8-d942494f38f6\">\n<div style=\"position:absolute;width:100%;height:100.00008%;left:0%;top:-0.00004%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2.png\" alt=\"right-arrow (2)\" srcSet=\"https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2.png 512w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2-300x300.png 300w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2-150x150.png 150w,https:\/\/meutudo.com.br\/blog\/wp-content\/uploads\/2023\/06\/right-arrow-2-96x96.png 96w\" sizes=\"(min-width: 1024px) 3vh, 7vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:20.38835%;top:60.19417%;width:58.73786%;height:15.53398%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.8264462809917356% 0.8264462809917356% 0.8264462809917356% 0.8264462809917356% \/ 2.083333333333333% 2.083333333333333% 2.083333333333333% 2.083333333333333%\" id=\"el-041669ba-ae49-435c-899a-8b3123a2fadb\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.0785123966942154% 0;font-family:&quot;Nunito Sans&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 500\">Confira algumas vantagens personalizadas para <\/span><span style=\"font-weight: 700\">refinanciar seu Consignado CLT.<\/span><span style=\"font-weight: 500\"><br \/>\n<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-page-outlink layout=\"nodisplay\" 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Simule agora e descubra seu troco extra!<\/p>\n","protected":false},"author":3,"featured_media":221125,"template":"","meta":{"web_stories_publisher_logo":15967,"web_stories_poster":[],"web_stories_products":[],"footnotes":""},"web_story_category":[2493,310],"web_story_tag":[2145,1400,2143,2144,2453,3201],"class_list":["post-221117","web-story","type-web-story","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Refinanciar Consignado CLT \u00e9 o mesmo que contratar novo empr\u00e9stimo?<\/title>\n<meta name=\"description\" content=\"Refinancie seu consignado CLT na meutudo e aproveite novas condi\u00e7\u00f5es. 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