Already well known to Brazilians, the payroll loan is that type of credit or loan directly deducted from the payroll. According to the rules, all workers who have CLTs, civil servants and retirees and pensioners, are entitled to this modality. Want to know more about changes to the payroll loan in 2022? Read on!
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This general rule did not change at the turn of the year, however, the assignable margin was altered, or rather decreased. In addition, there were changes with regard to the maximum amount of loan installments. Want to know more? Keep reading!
During the Covid-19 pandemic, the State promoted benefits and financial aid to help the population go through this difficult phase. As a result, the assignable margin, which refers to the maximum amount of income to be used to pay loan installments, increased. As a result, in 2021, the assignable margin was 40% for retirees and pensioners, but this year, there is a return to 35%.
The change comes precisely with the relaxation of health security schemes and also with the advancement of vaccination. Therefore, a person who receives BRL 3,500.00 as a retiree or pensioner will have a maximum loan limit of BRL 1,225.00. Since last year, with the same amount of R$ 3,500.00, this retiree or pensioner could get R$ 1,400.00 in the payroll loan.
The other change in the rules concerns the maximum number of installments possible when dividing the loan amount. In this sense, there was a reduction in the number of months. Twelve months less, to be precise, which could hurt a lot of people. Thus, if until last year there was the possibility of paying the loan in up to 84 months, or 7 years, now the maximum is 72 months.
That is, the loan will have to be paid in up to 6 years. It is possible to take out a new loan 90 days after the end of the payment. Also, pay attention, as there was also a change in the interest rate, which increased from 1.80% to 2.14%.
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