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It is already in force! President Jair bolsonaro approved the text of the provisional measure (MP) that increases the margin of deductible payroll loans for retirees and National Institute of Social Security (INSS). The measure was taken during the new coronavirus pandemic.
The recommendation was given by the National Council of Social Security to assist the beneficiaries of the INSS, especially at this time of economic crisis. Now, the sending of retirement or pension destined to the payment of loans goes from 35% to 40%.
In addition, the measure includes those who are in arrears. “The objective is to allow potential indebted persons to have access to payroll loans at lower interest rates,” says the government through an official note.
Payroll loan
The margin for payroll loans refers to how much the beneficiary will be able to commit each month to pay the payroll debt. For beneficiaries, it can go up to 40%, considering loan and credit card services.
This is what the changes will look like:
Division of the allowable margin for retirees and pensioners, as
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- payroll loan: 30% of profit;
- payroll credit card – 5% of profit.
Division of the allowable margin for retirees and pensioners, as is
- payroll loan: 35% of profit;
- payroll credit card – 5% of profit.
Changes
In late July, INSS changed other payroll rules for INSS policyholders. See:
- The government has reduced the lock-in time for loans. After changes, it went from 90 to 30 days after the concession;
- Banks can offer up to 3 months (90 days) of grace period for the retiree or pensioner to pay the first installment of a payroll loan;
- The payroll credit card limit increased from 1.40 to 1.60 the amount of monthly income. To know how much a limit may have, it is necessary to multiply the amount paid on the sheet by 1.6;
- The interest rates of the payroll loans can have a maximum index of 1.80%, in the case of loans, and 2.70% for the revolving credit card.
It is worth mentioning that the insured must pay attention to the adherence of payroll loans, since the installments are directly discounted in the amount of the monthly benefit.
See also: 14th INSS salary in 2020: SEE what the NEW payment to beneficiaries will be like
