In a little more than a month of the operation, the program Working credit He recorded $ 8 billion in loans, according to the Ministry of Labor and Employment (MTE) until last Wednesday (23).
It was created on March 21 as a new form of salary loans for workers in the private initiative with the CLT registration (CLT)The worker’s credit has already closed 1,470,150 contracts, to 1,439,056 people.
The number of contracts is higher, because each worker has more than an employment bond that can do more than one decade.
According to MTE data, the average value of each contract is $ 5.502 and the average payment period is 16 months. Sao Paulo, Rio de Janeiro, Minas Gerais, Rio Grande de Sol and Paraana are scenes that have more employment.
According to the Ministry’s data, most contracts, 476,322, or 32.4 % of the total were requested by people who get less to four wages (from $ 3,306 to $ 6,072 USD).
This group is also the group that represents the largest amount of borrowed values, 30 % of the total total ($ 2.4 billion from 8 billion dollars in Ringal).
Those who earn from one to two lower wages ($ 1,518 to $ 3,306) are second in closed contract amount: 28.85 % (424,160).
In terms of values, the second place is for those who earn more than eight wages ($ 12,144), which requested $ 2.3 billion of loans.
New stage
So far the contracts have been closed in 32 different banks. Expecting that this number goes from Friday, 25, when banks are allowed to provide credit directly to the worker in their requests. according to Brazilian Federation of Banks (Fabran)This new stage must increase the number of contracts to be closed.
Until Thursday, 24, simulations and contracts are performed only by applying the digital work card (Learn how to request and reach the document). Even with the permission of the banks to present the new shipping method, these operations will also continue with CTPS Digital, according to the government.
In addition to conducting simulations and contracts directly in the application of banks, workers will also be able to exchange debt, if they have direct consumer credit (CDC) or other installments that are still winning. This debt may be exchanged with low interest rates through the worker’s credit, according to MTE.
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.