With the new form of salary statements created by the federal government, which aims at the initiative for an official contract, consumer protection entities warn of care before employing the loan.
Resources credit will be guaranteed from the FGTS (FGTS) guarantee with some rules that must be observed with great caution by consumers. One of them is a commitment to up to 35 % of the salary to pay installments and ensure credit up to 10 % of FGTS or 100 % of the finish fine if the worker is rejected without reason.
“The consumer must be this retaining part of FGTS as a guarantee of a cheaper loan by the consumer so that it does not become difficult, because private initiative workers represent FGTS a strategic financial reserve.”
For him, the interested party must understand the rules very well, assess the true need for the loan, and analyze whether employment will not weaken the budget and generate a debt condition.
interest rate
Procon-SP also warns that the maximum interest rate should include all operating costs. “No other fees are allowed as a tariff, under any justification. It is prohibited for allowing the period of allowing the start of installments to pay the installments. When receiving the loan, the beneficiary will not be able to start after months,” explains.
Before signing the contract, it is necessary to be aware of the total amount that was contracted with interest and without interest, the monthly and annual interest rate, the amount and interest of the benefits, the date of the beginning and the end of the discounts and the total fast cost. All this information must be provided by banks and finance.
The consumer must also remember that the loan parts will be deducted directly from the e -salary statements, a general system that is compulsory to employment, social security and tax information from employers and employees throughout the country.
A new method of salary loans can not be set over the phone, only through the official channels of financial institutions, after a proposal received in the application of the digital work card (CTPS Digital).
For Consumer Law Attorney Renata Aben, the ideal is not to present debts, so it is better to analyze the need to contract with salary statements.
“If it is about getting this money, which is to buy a solid commodity. If the goal is to pay another debt, then this batch is well aligned so that it is not a higher loss, because the debt is a mandatory agreement,” it concludes.
