The demand for worker credit in the Digital Work Card (CTPS) application was large on the first weekend after the sport came into force. Between 6 am on Friday (21) and 11 am on Sunday (23), more than 35.9 million simulations of payroll loans have been made, with 3,137,412 requested proposals and 7,644 contracts made, according to the Ministry of Labor and Employment (MTE).
Worker credit came into force last Friday (21). Practiced for decades for public and insured servants of the National Institute of Social Security (INSS), the payroll loan allows lower than those of market, as the installments are discounted from the payroll, which reduces the chance of default. Now, the payroll is also offered to the country’s 47 million welfare workers, which includes domestic, rural and MEI (individual micro -learning) employees.
According to the Ministry of Labor and Employment, at this time, the credit modality is available to all workers with a formal contract only at CTPS.
From April 25, all banks will be able to offer credit on their digital platforms.
Digital wallet
To access credit through the digital portfolio, you need to click on the worker credit tab. There the interested party will authorize access to data such as name, social security number, salary and company time, respecting the General Data Protection Law (LGPD).
From then on, the interested worker will receive offers within 24 hours. He should then evaluate the best option and hire the financial institution channel, which analyzes the margin of salary available for consignment.
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By the credit line, the employee can use up to 10% of the balance in the FGTS Guarantee Fund (FGTS) or 100% of the termination fine in case of dismissal. If you give up on the loan, the worker has seven calendar days from the receipt of the credit, to return all the money passed on by the financial institutions.
