Oh Ministry of Labor 23, Sunday, they were almost imitated 36 million requests for payroll loans with FGTS warrantyThe amount 35.931.008 Simulations. To date, 3,137,412 proposals have been requested by the Digital Work Card application (CTPS Digital) and 17,644 contracts have been closed.
The new type of credit created by the Temporary Measurement (MP) number 1,292, on Friday, has entered the implementation of Friday, and offers 47 million work to 47 million workers with an official agreement, including stewards, rural and personal micro entrypreniors (MEI).
This program, named “Workers’ credit“It aims to use the credit cost of credit, with low interest rates and use FGTS balance as warranty. The reference rate in simulations is 3.05%per month.
To hire a payroll loan, the worker must access the app CTPS DigitalHere you can request proposals. After 24 hours, you can receive offers and compare interest rates from the National Institute of Social Security (INSS) qualified financial institutions.
Payrole credit mode allows the installments to be discounted directly from the payroll, which provides greater security to financial institutions. Prior to the implementation of this measurement, access to payroll loans for CLT workers was further limited and dependent on contracts between companies and banks.
From April 25, all banks can provide credit through their own digital platforms. In a statement, Labor Minister Louiz Marinho is advised to wait 24 hours to receive proposals from financial institutions, which ensures that the most beneficial interest rates are confirmed. The monthly installment should not exceed 35% of the total workers’ salary.
See how to imitate the proposal from the new payroll loan to CLT
- Access the app From Digital Work Card (CTPS Digital) – Need to use the login and password of Gov.BR
- On the home screen of the Digital Work Card app, you need to click on the “Loan” icon “
- Click on the “Simulate” option
- In the next screen, it is necessary to include the value and size of the required installments. The system records maximum installments value
- Next, the system informs the reference rate and the values of installments
- The worker must agree to share data with banks in the bank before making a request for a loan proposal
- In the end, the system states that the worker will receive proposals from the banks within 24 hours
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(Worker Credit)
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See some questions and answers provided by the government to clarify the new rules of private consignment:
How to appoint CLT LOAN?
In this first step, the worker’s app must be accessed Digital Work Card (CTPS Digital) to request credit proposal. The Ministry of Labor Access, such as CPF, the margin of the salary available for commodity and business time, is required to qualify for financial institutions who qualify for data.
Considering the value of credit 35% salary consignment margin And to include FGTS as warranty.
From the authority to use the data, the worker receives offers up to 24 hours, analyzes the best option and hires on the bank electronic channel.
Debt installments are subsidized on the payment sheet of the monthly track by associal.
After the appointment, the worker follows payment updates per month. Since April 25, the worker can also hire electronic channels of banks.
How to imitate the payroll loan to CLT?
According to the government, those interested in recruiting credit makes the request of the proposal by applying Digital Work Card (Digital CTPS). The answer with conditions and possible simulations, is sent to the worker up to 24 hours.
Who is eligible for the new payroll loan?
Worker with an official agreement, including rural and domestic Salaries of My friends.
How is the installment reduction going?
Debt installments are discounted on a monthly worker sheet. After the appointment, the worker follows payment updates per month. Since April 25, the worker can also hire electronic channels of banks.
If I have a payroll already, can I migrate?
Workers with leaf discount loans already can change the existing agreement from April 25 this year to a new model.
What can be given as a loan payment guarantee?
Up to 10% of FGTs for worker guarantees and 100% closing fine in case of resignation can be used.
Is this process only by digital wallet or can I go to the banks?
Initially, CTPS is only in digital. Since April 25, worker can also start hiring bank channels. Through the CTPS digital, the worker is likely to receive proposals from all interested banks, which allows comparison and the most beneficial option.
Do activities only be through qualified banks?
Yes. It is estimated that more than 80 financial institutions are qualified. The beginning of qualification depends on the publication of the temporary measure.
Do all banks have access to workers’ data?
Only the data required for companies to make credit proposals: the salary margin is available for name, CPF, consignment and business time.
Will the migration of Direct Consumer Credit (CDC) be automated to Worker Credit (CDC)?
The worker with the CDC should look for Qualified Financial Institution, if he wants to migrate to the worker credit.
After the credit of the worker, is it possible to port the bank with good fees?
Yes. Portability is available from June 2025.
Will the Worker Credit replace the anacenal withdrawal?
No, anxious withdrawal will be in place.
