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It is confirmed! The National Institute of Social Security (INSS) has already increased the margin on the payroll deductible loan. Now, the measure goes from 30% to 35% of the benefit amount. The standard was published in the Official Gazette (DOU), on October 8. The measure comes amid the new coronavirus pandemic.
According to the government text, the measure will remain in force until December 31, the date on which the state of public calamity ends. In addition to the margin of up to 35% of the payroll, the Government maintained the possibility of adding 5 percentage points through the payroll credit card. Thus, policyholders can compromise up to 40% of their benefits (previously it was 35%).
According to the Brazilian Federation of Banks (Febraban), banks have adapted their systems to the new rules and the public can now apply for the loan.
So far, Itaú, Santander, Bradesco and Banco do Brasil have already confirmed the increase in the margin of the credit line. Caixa did not report on this new option. Banks can set their interest rates on payroll loans, as long as it is respected (per month):
- 1.80% for the benefit discount loan
- 2.70% for credit card
40% of payroll
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 provision 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 that potential people in debt have access to payroll loans with lower interest rates,” says the government through an official note.
Payroll loan
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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
- 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
The INSS even changed, at the end of July, 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 can have, it is necessary to multiply the amount paid on the sheet by 1.6;
- The interest rates of payroll loans can have a maximum rate 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 deducted from the monthly benefit amount.
See also: 14th INSS salary in 2020: SEE what the NEW payment to beneficiaries will be like
