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The term for retirees and pensioners of the INSS Apply for a payroll loan at banks with the possibility of a 40% discount on payroll benefits.
It is up to 35% of the payroll and 5 percentage points using the payroll credit card. Thus, policyholders can commit 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.
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
As of January 2021, the total margin is back at 35%, including cash and credit card credit.
A total of 11 million payroll loans were made between January and July, totaling R $ 62.79 billion throughout Brazil.
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
- 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 other payroll rules for INSS policyholders at the end of July. 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 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.
