INSS 2022 payroll loan: who is entitled?

who is it for INSS retiree or pensioner or an employee of a company or associated bodies, there is the advantage of being able to obtain payroll loan. And this without the need for a guarantor, just relying on the exclusive conditions presented to the worker.

In addition, the type of payroll loans offers convenience at the time of payment, as the installment is directly deducted from your salary or benefit. That way, you can also anticipate or settle the debt whenever you want. So, see who can access this loan and what are the rules for hiring.

Read more: Learn more about how to prevent yourself from the payroll loan scam.

Who can apply for a payroll loan from the INSS in 2022?

The payroll loan is aimed at those who are retired, pensioners or work in a company with an INSS agreement. Therefore, these are the workers who will be able to apply and wait for credit approval or disapproval.

Thus, the beneficiary of the credit will have the value of the chosen portion deducted directly from his payment. But be aware that there is a minimum fee for the amount of the installment, which is 35% of the salary or monthly benefit.

In addition, the installments will work with a fixed amount, which guarantees your financial security throughout the payment process. After the end of the payment, there is still the possibility of renewing the loan through a new request.

How to make the request?

If you are not retired or pensioner, the first step is to find out if the company you work for has an agreement with Caixa. Afterwards, you can make the request through the channel that is most feasible for you, such as internet banking or a Caixa agency.

Then, you must wait until confirmation of your loan approval and sign the contract. You may also need to provide all the requested documentation, depending on the agency or company.

Finally, the payment will be made directly into your account, monthly, until the number of chosen installments ends. During this period, you can schedule yourself and take advantage of the extra money to deal with pending issues.

So take advantage of the conditions in case you belong to one of the required conditions. And don't forget to share this article with friends and family, so that more people have access to quality information!