On June 29, the Chamber of Deputies approved the provisional measure that increases the limit of payroll loans for most workers in Brazil. With this decision, the measure also authorizes this type of loan for people who receive the Continuous Cash Benefit (BPC), Lifetime Monthly Income and also the Brazil Aid.
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It is worth emphasizing that the text is going to the Senate and awaiting the vote. In view of this, according to the information provided by the Câmara de Notícias Agency, the text referred to is authored by the rapporteur Bilac Pinto (União-MG). In this way, Provisional Measure 1106/22 has the objective of increasing from 35% to 40% the margin of the payroll loan of workers who have a CLT contract and public servants, both active and inactive, in addition to pensioners, military and public employees.
Therefore, it is worth mentioning that retirees will also have their credit margin increased from 40% to 45%, the same value for people who receive the BPC or Lifetime Monthly Income. In this way, it is essential to make it clear that the responsibility arising from the payroll loan debt, in this case, under no circumstances can fall on the Union.
Thus, it is necessary to reflect on the idea of taking out a loan using government benefits and programs. However, another factor to be taken into account is that the payroll loan is discounted directly from the payroll, that is, the installments are deducted directly from the beneficiary's account or worker.
In view of this, the payroll loan margin needs to fit exactly within the limit that can be deducted from the beneficiary's account, without completely compromising their income.
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