The federal government edited a provisional measure that increases to 40% of monthly remuneration, the maximum percentage for contracting payroll-deductible loans by federal public servants.
THE Provisional Measure No. 1,132 was published on Official Diary of the Union this Thursday(4). It increases to 40% the “credit margin of optional consignments in the payroll of federal public servants, with 5% reserved exclusively for the amortization of credit card expenses”, as reported by the General Secretariat of the Presidency of the Republic.
The MP also provides that, when there is no definition of a higher percentage in specific rules, this limit of 40% will be applied as the maximum percentage to be “deducted automatically from remuneration, pay or social security benefit”.
The measure is valid for active and paid inactive soldiers of the Armed Forces, the Federal District and the former federal territories; for inactive federal public servants; for federal public employees of direct, autarchic and foundational administration; and for civil servants and military pensioners of the Armed Forces, the Federal District and the former territories.
Scratchs
Access to this credit, however, can pose a risk if not done responsibly. The alert is from the member of the Regional Economic Council of the Federal District and professor at the University of Brasília (UnB) Newton Marques.
“In the specific case of public servants, the risk is great because credit can be understood as extra money to supplement an income that has been lagged for years. In a scenario where the cost of living is increasingly high, it is risky to commit such a high percentage of salaries that have not yet been deposited”, says the professor.
Marques, however, says that in cases where employees are indebted with a credit card or overdraft, the payroll loan can be an alternative to “replacing extremely high interest debt with high interest debt”.
