In this article we will talk about the retired payroll loan INSS. Often, if a retired senior or pensioner needs a loan, either an unsecured loan is the case of payroll, or bank loans. This type of loan makes life easier for seniors to be accepted when they need to borrow money and pay much lower interest rates.
What is retired payroll loan?
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The loan for retirees of the INSS and pensioners have the best interest rates for taking credit financed, start from 0.79% per month with up to 6 years to pay. This benefit was created through Law 10,820, dated 12/17/2003, with the Law retirees and pensioners of the INSS who intend to apply for personal credit or payroll loan in general have a great advantage to obtain money borrowed with low and various interest rates facilities in granting credit.
Retirees, pensioners, and the elderly are often faced with financial problems because living on their fixed retirement income does not always cover all the expenses that need to be faced day by day. Older people are also sometimes faced with difficulties in keeping their credit card payments, medicines and credit debt, and other random expenses.
Getting a paycheck loan on the benefit
If you want to get a paycheck-deductible loan you need to first ask to know if your retirement or pension type gives you the right to make the nine deductions for loans that MPAS authorizes.
Well, the most interesting of this type of loan is that the banks do not consult the Serasa and SPC of the CPF and the name. Another detail, just look in the Google searches for paycheck loan retired INSS that appears dozens of banking institutions, credit lenders, promoters and credit agents or bank correspondents and accredited by banking and financial institutions offering the modality.
It is worth remembering that all of them must be authorized by the Central Bank and maintain an agreement with the Ministry of Social Security and INSS – National Institute of Social Security to be able to lend money to the INSS beneficiaries.
In order to formalize the personal loan payable to retirees, the beneficiary or insured person must sign a prior written authorization, in general the contracting is formalized through a payroll loan agreement with an attachment for authorization of the assignment or the retention of the monthly installment, for that the payroll deduction is made in the social security benefit.
How to consult your loan statement on the INSS?
To facilitate the INSS – National Institute of Social Security provides a list of banks and financial institutions that maintains an agreement with Social Security and can formalize the paycheck loan for retirees.
Because it is very easy to obtain the ” payroll loan for retirees of the INSS “, it is not necessary the action of middlemen or people saying that they are banks or financial intermediaries. In case of doubts regarding the promoter or the credit agent, the beneficiary should seek to keep confidentiality with their information and personal data.
It is common in certain regions of Brazil that people go through brokers going from door to door to offer payroll loans , in this case ask them whenever it is identified so that there is no doubt. Check also: loan types for retired and pensioner.