From Friday (25), workers will be able to request Salary balance Directly from banking requests. Until then, and Working credit It was only available from the CTPS Digital app.
To date, the contracts have been closed with 32 banks. Expecting that this number rises with the new stage.
In addition, workers will also be able to exchange debt, if you have direct consumer credit (CDC) or other entitled payments with installments that have not yet been won.
The new stage is released about a month after the proposal. According to federal government data, the program has already recorded $ 8 billion on loan.
Here’s how to apply for a CLT:
- Access to the digital work card in the Android or iOS app store;
- Log in to your Gov.BR account or biological measurements (for those who have already registered);
- On the home page, click the Logo on behalf of the program, “Work credit”;
- On the following tab, on another sign, more information about the program will be provided before accessing simulation – click the “Make Simulation” button;
- The platform will appear your work bond, the maximum loan that you can order, and under two hooks it must be filled, called “How much do you need?” And “How many installments do you want to pay?” ;
- After filling, click the Blue button, “Loan Simulation”;
- The price of the reference and the total amount to be paid will be paid;
- Then the system states that institutions can provide better conditions;
- To follow the proposal, you need to agree to share data;
- After that, within 24 hours, banks will provide other options, which can be better than previously.
The new financial tool covers my employees A special initiative With an official contract, including home employees, rural workers, and are appointed by individual microorganisms (MEI).
It is practiced for decades for general service and believers at the National Social Security Institute (INSS), and salary loans allow lower interest rates than markets. This is because installments are deducted from salary statements, which reduces the chance of failure to pay.
Through the new program, more than 80 banks and financial institutions will be able to access workers’ profile through an official contract through ESOCIAL, a mandatory electronic system that unites information, social security and taxes from employers and employees throughout the country.
According to the Brazilian Federation of Banks (Fabran), the volume of loans of private salary lists may exceed $ 120 billion this year.
Understand how the fraud of $ 6 billion for the advantages of Inss
With information from Estadão Content and Agência Brasil
