The Senate approved this Tuesday (30) a measure that authorizes the use of the Popular Housing Guarantee Fund (FGHab) to finance the Casa Verde e Amarela program. The text goes to presidential sanction.
The matter was approved today at the Chamber of Deputies and provides for FGHab coverage for used or existing properties. Previously, the MP provided for coverage of new properties only. Parliamentarians also included a device that will allow special treatment to individual micro-entrepreneurs (MEI) and micro-enterprises in the collection of pecuniary commission of funds with specific purposes that have with the participation of the Union. With this, these companies will have the cost reduced when taking out a loan.
The changes in the fund should guarantee new real estate financing for low-income families, without new contributions from the Union. Today, the fund already covers the payment of property benefits in the event of unemployment of the borrower with a monthly family income of up to R$ 5 thousand, in addition to assuming the outstanding balance in the event of death and permanent disability.
small business
The provisional measure also expands the access of the Emergency Credit Access Program in the guarantee modality (Peac-FGI) to loans contracted until December 31, 2023. 360 thousand and to individual micro-entrepreneurs.
“The inclusion of individual microentrepreneurs also required regulatory changes to make the program more adherent to this audience. In this sense, with the approval of the measures, differentiated treatment is allowed in the pricing of guarantees and the fiduciary assignment of receivables to be constituted as a complementary guarantee to the financing is allowed. The program was also adjusted to allow for the possibility of guarantees and creditors as a strategy to facilitate the recovery of credits”, justified the government when editing the measure.
Increase in taxation
The senators also approved the MP that establishes a 1% increase in the Social Contribution on Net Income (CSLL) for financial institutions (such as banks and foreign exchange brokers), insurance and capitalization companies between August 1 and December 31, 2022. Banks will pay 21% of CSLL; and the other institutions, 16%.
The government’s expectation is to generate an increase in revenue of approximately R$ 244.1 million this year.
