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New Line of Credit Allows Using Part of FGTS to Obtain Lower Rates and Direct Discounts on Payroll. Easy Access to Credit with FGTS Guarantee.
CLT workers can now take out loans using part of their FGTS balance as collateral, in a modality created by the federal government to broaden access to credit. The system, called Worker’s Credit, allows for lower interest rates and automatic deductions directly from payroll, reducing the risk of default.
According to information from UOL portal, the application can be made through the Digital Work Card app or at authorized banks.
The worker specifies the desired amount and receives proposals in auction format, being able to choose the most advantageous among terms and interest rates.
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According to UOL, the installments are automatically deducted by eSocial, limited to 35% of the monthly salary.
This mechanism ensures lower interest rates than those applied in traditional payroll loans. Debt monitoring can be done digitally after the contract is signed.
Who Manages and What the Rules Are
The management of the program is the responsibility of the Committee for the Management of Payroll Credit Operations, which defines the rules and the interest rate ceiling. Since April 25, those who already have payroll loans can switch to this modality. One of the goals is to reduce over-indebtedness.
Experts highlight that this line of credit can be strategic for paying off expensive debts, such as credit cards and overdrafts.
Financial planner Leticia Camargo stated to UOL that, in the absence of an emergency fund, this option is more suitable than others available in the market.
Precautions Before Contracting
Despite the advantages, it is not a universal solution. The expert warns that retirees who still work may benefit more by keeping their INSS payroll loans, which generally have lower interest rates than those offered via CLT.
Another point is to evaluate the Effective Total Cost (CET) of the contract. The loan may make sense for financing higher-value goods, but it should not be used solely for everyday expenses, at the risk of compromising the family budget.
How to Activate the Digital Work Card
To access the service, the worker needs to register on Gov.br. The process requires filling out personal information, answering questions about professional history, and creating a password.
After that, the Digital Work Card becomes available in the app (Android and iOS) or on the official website.
According to the Department of Social Security and Labor, all citizens with an CPF already have the digital version active, even if they have never had a formal job link.
The credit linked to FGTS brings new possibilities for CLT workers, but it also requires responsibility in its use.
It can be an ally against expensive debts, but without planning, it becomes just another burden on the budget.
Do you think this measure will really help workers or could it increase the risk of indebtedness? What do you see as the impact on the credit market? Leave your opinion in the comments — we want to hear from those experiencing this firsthand.
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