Following a wave of expansion of credit by the Federal government, INSS draws up new lending rules for BPC beneficiaries. In this way, those who receive the benefit will be able to transfer part of the value in consignment. However, experts warn that this novelty, although it may excite many people, can have negative consequences. Among them are the increase in debts, as well as new scams in the square.
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Who receives the BPC?
The benefit of continuous provision is aimed at families that have a member with a physical or intellectual disability, as well as the elderly, over 65 years of age, in a vulnerable situation. With regard to retirees, the Law determines that those who already receive retirement or pension cannot receive the Aid. In addition, proof of income in CadÚnico is required for both cases.
During the registration in CadÚnico, it will be necessary to present documents that prove the family income of these individuals. Candidates will need to fit into poverty or extreme poverty. In addition, medical documentation is also required, in case of people with disabilities. Thus, upon approval, one receives a minimum wage.
Payroll Loan Risks for BPC
With the new rules for granting credit, people who receive the BPC will be able to assign part of the installment for the payment of payroll loans. This means that the INSS offers the credit and, on a monthly basis, will deduct the value of the installments from the value of the benefit. Although this is a good opportunity for those who urgently need money, experts warn about the possible risks.
Starting with the chance of indebtedness due to the absence of financial organization by the beneficiaries. After all, the offers can be too generous and excite the beneficiary, but it is necessary to remember that receiving the BPC is part of your income. In addition, he should be aware of the fact that the BPC, unlike retirement, can be suspended, which could complicate the payment.
Finally, new scams appear in the square, with the offer of alleged payroll loans for those who are BPC. Therefore, the beneficiary must be attentive and provide data only with the guarantee of being in contact with the INSS.
