A bill is being processed in the corridors of the National Congress that would make life much easier for retirees who wish to have access to credit. In this case, it is PEC nº 495/2022, which aims to reduce the price paid by the elderly in signed agreements.
For this, the law would exempt this portion of the population from the Tax on Financial Obligations (IOF). With this measure, it would be possible to cheapest loans for retirees, so that they can afford expenses or invest in their own projects.
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However, it is worth mentioning that the bill does not intend to benefit all retirees with the IOF exemption. In fact, the advantage would only be given to retirees aged 75 or over. With this, this group would not need to hand over a portion of the loan amount for the tax rate.
With more affordable values, it is expected that the number of loans granted will also be greater. After all, tax rates can greatly increase the value, which makes the entire operation invalid. But once the rate is gone, it would be easier, even for banks, to approve credit lines.
In addition, it is argued that people at this age tend to deal with excessive demands, especially with expenses related to health, such as procedures and the use of medication. Therefore, designing the benefit would be a way to meet these demands and provide a better quality of life for retirees.
The text of the Constitutional Amendment Project is still in the National Congress. Therefore, it depends on its approval to proceed to the Federal Senate, as well as to the table of the President of the Republic.
However, so far there has not been a major movement in the Chamber for the approval or even the debate around this issue. Even though there are many deputies interested in the debate, there is still a lack of greater participation from them for the text to go forward. Thus, an initial step is expected for a possible approval.
