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The Worker’s Credit Is a New Type of Payroll Loan That Allows Employees with a Formal Employment Contract to Use Up to 35% of Their Salary, With Automatic Deductions Through eSocial, Furthermore, It Counts on the FGTS as Collateral and Lower Interest Rates Compared to Other Market Options.
The Worker’s Credit is the new line of payroll loans that allows employees with a formal employment contract to commit up to 35% of their salary, with automatic deductions made by the eSocial system. According to UOL, the measure expands access to cheaper credit for those under the CLT regime.
The federal government’s proposal uses up to 10% of the FGTS balance as collateral, in addition to allowing the use of the termination fine in case of dismissal for settling the debt. The goal is to reduce interest rates compared to traditional payroll loans and prevent workers from becoming over-indebted.
How the Worker’s Credit Works
The application can only be made through the Digital Work Card app or accredited banks.
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The worker specifies the desired amount and receives offers in a bidding-like format, choosing the most advantageous proposal in terms of interest rates and terms.
The installments are deducted directly from the payroll, respecting the limit of 35% of the salary.
According to UOL, the tracking of payments can be done through the app itself, providing greater control to the user.
Advantages of Using the FGTS as Collateral
One of the innovations of the Worker’s Credit is the use of up to 10% of the FGTS balance as collateral, which reduces the risk for banks and allows for lower interest rates.
In the event of dismissal, up to 100% of the termination fine can be used to pay off the loan.
If the worker changes jobs, the contract remains valid as long as they continue under the CLT regime.
This model provides more security for both financial institutions and borrowers.
Possibilities of Use and Expert Warnings
According to specialists consulted by UOL, the new line can be advantageous for paying off more expensive debts, such as credit cards or overdrafts.
The payroll credit using FGTS tends to be cheaper than other available types in the market.
On the other hand, there are important warnings.
For retirees who continue working, for example, the INSS payroll loan may have even lower interest rates and be more suitable.
The government and financial planning entities emphasize the importance of evaluating the CET (Effective Total Cost) before signing a contract.
Who Can Access and How to Apply
All registered workers under the CLT regime have the right to the Worker’s Credit.
To apply, it is necessary to have an account on Gov.br and access the Digital Work Card, available for Android and iOS.
The process requires validation of personal and professional data, ensuring the operation’s security.
The Special Secretariat for Social Security and Labor states that any citizen with an CPF already has an active Digital Work Card.
For those who have never had a formal employment relationship, the document will only display identification data.
The Worker’s Credit emerges as an alternative to expand access to credit in Brazil, offering lower interest rates and greater security through the use of the FGTS.
Nevertheless, specialists warn that care is needed to avoid overburdening the monthly budget.
Do you believe that the Worker’s Credit will help Brazilians get rid of more expensive debts, or could it increase the risk of over-indebtedness? Share your opinion in the comments – we want to hear from those living this experience.
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