The Senate approved today (29) the provisional measure (MP) that increases the payroll loan margin for federal public servants to 45% of remuneration. Before, the limit was 35%, 30% for loans with a payroll discount and 5% for credit cards. The original MP, edited by the government in August, had a margin of 40%, but it was expanded by the Chamber of Deputies and confirmed by the Senate. The payroll loan is automatically deducted from the payroll. The text goes to presidential sanction.
According to the approved text, 5% of the 45% margin will be reserved exclusively for the amortization of expenses or credit card withdrawals and 5% for the payroll card. Thus, if the civil servant or civil servant wishes to obtain a loan through the payroll credit line, he may have a 35% margin. If you want to exceed this limit, you can allocate an additional 5% of your funds to pay off debt or withdraw a payroll benefit card. And, if you wish, an additional 5% of your resources to anticipate consumption, you can do it by credit card.
“It is certainly much better financially, for those who are indebted beyond the maximum recommended margin of 30%, to obtain emergency funds with the guarantee of the assignable margin instead of obtaining them without guarantee in a credit line of credit card revolving or of the overdraft”, stated, in his opinion, the rapporteur of the text, senator Plínio Valério (PSDB-AM).
The percentage approved today will be applied to loans to federal civil servants when specific laws or regulations do not define higher percentages.
The measure includes federal public employees from the direct, autarchic and foundational administration; inactive federal public servants; members of the Armed Forces; military personnel from the Federal District and former federal territories; pensioners of servants and military personnel of the Armed Forces, of the Federal District and of the former territories; and military personnel from paid inactivity.
*With information from the Senate Agency
