This Monday, the 13th, the reduction of the fees payroll for retirees and pensioners of the National Institute of Social Security (INSS). The new limit is 1.7% per month for these operations. Payroll interest is the rate charged by financial institutions on loans in this category, or that is, loans in which the value of the installments is deducted directly from the salary or benefit of the requester.
Interest reduction is celebrated
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Payroll is a more accessible and secure type of credit for many workers and retirees, as payment is guaranteed by payroll deduction. Payroll interest is regulated by the government and has a maximum ceiling established by law. Currently, the new ceiling is 0.44 percentage points, which is lower than the old limit of 2.14% per month, a level that has been present since last year.
The interest ceiling for the payroll credit card fell from 3.06% to 2.62% per month. The measures come into force as soon as the normative instruction is published in the Official Gazette.
Decision will benefit about 8 million citizens
According to the Ministry of Social Security, the decrease in interest rates will benefit around 8 million citizens with loans deducted directly from their payroll. That's because about 1.8 million beneficiaries of that total reached the maximum discount limit of 45% of retirement or pension.
According to the Minister of Social Security, Carlos Lupi, the intention is to discuss the percentage of discount margin on the payroll at the next CNPS meeting, on April 27. Lupi classified the current fees as “abusive” that “punish vulnerable people. According to president of the INSS, Glauco Wamburg, the average income of retirees and pensioners who use payroll loans is R$ 1.7 thousand.
Also approved on the same day was the formation of a working committee to analyze the payroll credit card system for beneficiaries of the institute. In addition, a commission was also approved to discuss the composition and competence of the collegiate within 90 days.
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