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In this pandemic period of Covid-19, the new coronavirus, the Federal Government made changes to the rules of payroll loans. One of them, for example, is related to the widening of the allowable margin. However, so far, only one proposal that suspend payment The installments of the credit operation are still pending in the National Congress.
The objective, with the measure, was for INSS policyholders to benefit, especially those who had payroll loan contracts. To do this, the idea was to postpone the maturity of the installments until the end of the contract, and pay off the loan amount without adding interest or registration with SPC / Serasa.
Proposed suspension of payroll
Drafted by Senator Otto Alencar (PSD-BA), the bill, No. 1328/2020, aims to suspend the payment of up to four payroll installments in social security benefits.
The payment of the fees would only be made at the end of the contract. Also, there would be any accrual of interest. The beneficiary’s CPF was also unable to stop at SPC / Serasa.
For this, the text was intended to modify the content of Law No. 10,820, of December 17, 2003, which deals with the authorization to deduct payroll benefits. The measure would only be valid during the state of public calamity. That is, until December 31, 2020.
In June, the Senate approved the Bill 1,328 / 2020. The main objective of the law was to benefit pensioners and retirees. Another group that would benefit would be serving civil servants who had children who lost their jobs or had reduced wages, and thus received financial assistance from their parents during the economic crisis.
The bill, although it was approved by the Senate, passed to the Chamber of Deputies, but there were no changes by the Chamber.
What are the chances that the project will be approved?
The suspension of payroll credit would only be allowed until December 31, when the country’s period of public calamity would end. In other words, with just under 20 days left, the chances of the Chamber approving and effecting the release are almost minimal.
According to some critics, the failure to advance the proposal is due to the inertia of the deputies. In August, some senators even demanded his vote in the House. However, so far nothing concrete has been decided on the text.
Thus, the citizen will not be able to count on the possibility of approving the suspension of the payroll loan.
See also: Banks release payroll loans of up to 40% by INSS
