With more than a billion dollars, it has been issued in more than 193,000 contracts since its launch on Friday (21), CLT salary loan Low interest rates.
However, experts advise comparing interest rates with other credit methods and analyzing the loan amount and the deadline for understanding whether the program is worth or not.
The goal of the federal government in the “Workers’ credit” program is to provide a loan line at lower interest rates.
CAIXA EconôMica Federal itself is the one who provides CLT salary loan at 1.6 % per month.
In the evaluation of the Economist at TRIAD Soluções, Diego Akino, the interest provided by the CLT salary program is not worth it, because by doubling the average monthly rate of 3 % by the number of months in one year, the interest rate is reached 36 % per year.
“If the worker rents an amount of $ 4,000, he will eventually pay $ 15,000. In my opinion, this is not an attractive measure of the worker and can bring a serious financial educational problem in the country,” Akino says.
Economist adds that the amount that is kept in FGTS (FGTS), used as a guarantee in this loan, is already available and available to withdraw during the anniversary, in case of dismissal or real estate requests.
The value is corrected annually by 3 % the most reference rate (TR).
“Now, they allow banks the money that is the worker, which it can already access, but banks are now loaned by 3 % per month.”
The head of the fixed income in Suno Research, Guilherme almeida, agrees that the salary interest rate ranges between 2.5 % to 3 % per month. On the other hand, this ratio is less compared to other credit lines, such as personal credit and credit card.
He explains that one of the options that might deserve it is to change the debt.
“The worker who has salary statements was already employed with a higher fee or a personal loan with a higher fee that can lead to this change, which collects money on salary loans to pay more expensive debts,” says Al -Mida.
The expert adds that it is necessary to evaluate the real reason for the employment of the CLT salary loan. The credit used to anticipate the consumption of goodness a moment has a different effect when there is this debt replacement.
He concludes by saying: “proper planning, budget control and the possibility of predicting these future payments, which will be deducted on salary statements.”
Who can apply for the new CLT loan?
Workers who have an official contract, including workers in home and home workers, as well as individual micro -business owners (Meis), can reach the credit line. The worker will have an applicable margin of up to 35 % of the salary.
Step by step to issue “worker credit”:
- Access to the CTPS Digital app.
- Request a credit suggestion.
- Bank delegation can access data.
- The proposals will be sent within 24 hours.
- The best width analysis.
- Employment through the bank.
How will payments be paid?
Monthly, installments will be deducted on working salaries through ESOCIAL. After employment, the worker may follow a month after a month of payment updates.
What if there is a resignation?
In the case of dismissal, the amount due from the separation salaries will be deducted, with the legal limit of 10 % of the service time guarantee credit balance (FGTS) and 100 % of the finish fine.
