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Learn how to register the loan with the FGTS guarantee. The Federal Savings Bank (Caixa Econômica Federal – CEF) started on September 26 to offer the payday loan with use of the FGTS as collateral. The information comes from the Ministry of Labor
According to the Government, interest can not exceed 3.5% per month and the payment period is 48 months. This line, which is expected to reduce credit for employees of private companies, was announced in April of last year but was not offered by banks. The amounts loaned will depend on the amount that the workers have deposited into the FGTS related account.
Caixa indicated that she was still working on the composition of the product that will be offered to consumers and did not disclose the amount of her rate According to the Ministry of Labor, this line of financing will be available at 36 9 million workers on formal contracts who will be able to obtain a loan.
may apply for a loan with lower interest rates at Caixa branches. The portfolio also trades the same measure with Banco do Brasil
. Caixa will provide access to the system with information from the Workers' Guarantee Fund for private banks.
With the changes announced last month, private companies wanting their workers to have access to this line of loans should accept
Interest will be reduced by the 10% guarantee of the FGTS value of the loan. borrower, plus the amount corresponding to 40% of a possible fine for dismissal.
With these changes, the government expects the payday loan interest rate proposed to the private sector to be close to the average rate currently charged in the public service market (1.75 % per month)
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