road CLT salary loan It generates a discussion on social networks and economists ’assessments. The discussion is about 10 % of the guarantees of FGTS and 100 % of the finish fine in the event of contracting contracted credit.
Available since March 21, the credit line provides a loan to a deduction for companies on workers ’salary lists under CLT system and unifying labor laws.
Until Thursday (27), banks issued about $ 1.3 billion in new salary loans.
Previous Economic and BBB, A generation does powerHe said in a publication held on Monday (24) that the new federal government program can increase the debt of families and affect the financial health of workers in a possible resignation.
“FGTS is a guarantee box. It is to ensure your safety. If you are expelled and your money away, what will you live?” He asked.
The total video reached 3 million views on Thursday night.
In X -Post, the previous Twitter, the influencer Nath Finance added that “the use of FGTS as a loan guarantee may seem an easy solution, but in practice it increases the risk of debt.”
I say the following, FGTS should not be used as a loan guarantee. If this is the case for use in this way, it is better to launch this 10 % factor at the worker as he wants to kiss banks if a person is launched.
– Nath Finances 💰 (NathfinanCas) March 25, 2025
Cerasa survey shows that at least 73.10 million people were debtors in Brazil. Data from October 2024 and record the second largest mark last year, only behind the size registered in April.
While the percentage of debt families was 76.1 %, according to the Consumer and Virtual Sacon (PEIC), the National Union for Commodities Trading, Services and Tourism (CNC), in January this year.
Loro Gonzales, the Credit for the FGV (FGVCEMI) Financial Integration Center (FGVCEMI), is evaluating that credit is a necessary member of the economy, but it is necessary to pay attention due to the income of the already committed population to pay the debt.
“The most likely scenario is an increase in debt on other credit methods. People are not only taking these salaries, but they end up using other credit forms as well,” says Gonzalez.
The expert follows the thinking line in the influencers and indicates that CLT salaries can be risky.
Private sector workers may lose their job at any time, unlike the public employee, who bears the stability of the situation, retirees and retirees, who have to pay the guaranteed interest.
Another attention point is the period of payment of salary statements, which means that the income of contractors will be exposed to a longer period.
FGVCEMI coordinator lists a series of attention points on new loan salaries to CLT:
- Use credit to pay the previous debts: Many people already resort to salary statements to pay old debts, but this strategy is not less than the debt. Since salary statements have longer final dates, there is a higher risk of using other credit methods at one time, which expands the income commitment.
- Increased aggressive credit offer: With the announcement of the government, there is expected that there will be significant growth in credit offers, often insisting and without appropriate financial analysis, which increases the risk of unsuccessful employment and excessive dedication.
- Expandable margin expansion and influence on debt: Even before the changes, the salaries statements have already contributed to poor excessive income. The growing margin intensifies this position, which leads to the introduction of a continuous debt cycle, where new contracts are signed where old contracts are paid.
- Satisfaction alternatives: Instead of giving priority to this method, the expansion of other credit lines, such as real estate financing, fine matches and fine issues, can be a more sustainable solution to the economy and workers.
- Organizing credit card supplies: Given the potential expansion of salary statements, measures to reduce the necessary range will be. The alternative will be to enhance the supply of credit cards, and to impose more strict requirements to grant this credit.
How to evaluate whether the interest rate and the total cost of the loan are useful?
In addition to employing CLT loan loan, the user must analyze his budget, set priorities and evaluate whether credit is the best option in family financial health, and the TT & Co Cao Bouckhorny’s work lawyer suggests.
- To search for: Compare interest rates and conditions provided by various financial institutions.
- Cet: The total effective cost analysis (CET) of the loan, which includes all fees, definitions, insurance and other expenses participating in the process. CET represents the true cost of the loan and allows you to compare different options more accurately.
- simulation: Use the salary loan simulation devices to calculate the value of installments and influence your budget.
- For analysis: Ensure that the installment amount reaches your budget, and if it can be paid without compromising your money.
- Negotiation: Try negotiating the interest rate and loan conditions with the financial institution.
Bouckhorny remembers that FGTS, one of the guarantees of the new salary scouts, is the right of the worker and aims to protect the employee in the event of dismissal without reason, serious diseases, buying home and retirement.
The expert is advised to think about how to use salary lists and question the real need for the loan, and the purpose of credit, and if there are other exits for the financial situation and if the installments are suitable for the budget.
“If the answer to any of these questions is negative, it is better to rethink the employment of loans and search for other alternatives. Credit can be a useful tool to solve financial problems or carry out life projects, but they should be used with responsibility and planning to avoid debt and ensure financial minds.”
The Suno Research head, Guilherme almeida, states that there is a “negative” reaction to the use of FGTS as a guarantee of salary workers for CLT workers.
Corporate financing expert and capital market explains that there are credit alternatives without using guarantees, but at a higher cost.
“The market’s reaction was very negative in this regard for the use of FGTS, although it does not exceed 10 %. On the market, there is a possibility that this worker rents alternative credit lines without a guarantee, but this brings a cost, which is specifically considered a higher interest rate in the payment lines to the worker to the worker.”
The expert explains that there are two possibilities in the market. If the worker does not want to give FGTS as a guarantee, he can rent a more expensive line.
However, if you prefer a cheaper line, even if the rates are highly high, there is an option to provide a guarantee.
Who can apply for the new CLT loan?
Workers who have an official contract, including workers in home and home workers, as well as individual micro -business owners (Meis), can reach the credit line. The worker will have an applicable margin of up to 35 % of the salary.
Step by step to issue “worker credit”:
- Access to the CTPS Digital;
- Credit suggestion request;
- Delegate banks to access data;
- The proposals will be sent to 24 hours;
- The best offer analysis;
- Employment through the bank.
How will payments be paid?
Monthly, installments will be deducted on working salaries through ESOCIAL. After employment, the worker may follow a month after a month of payment updates.
What if there is a resignation?
In the case of dismissal, the amount due from the separation salaries will be deducted, with the legal limit of 10 % of the service time guarantee credit balance (FGTS) and 100 % of the finish fine.
