Payroll deductible credit with discount on payment, credit modality established by Law no. 10,820 / 2003 , is a type of loan directed to Retirees, Pensioners of INSS and federal, state and municipal civil servants contracted with the Bank and Financial Institutions with authorization from the Central Bank to offer this financial transaction.
In payroll-deductible loans, the payment of the installments related to the credit released is discounted monthly, every month during the term of the contract, will be deducted directly from the payroll of the public servant or beneficiary of the INSS, that is, the public servant, the Retired and the Pensioner of the INSS, will receive their counter-check after deducting the amounts of the agreed benefit with the company, financial institution or creditor bank.
What is the interest on payroll
The interest rate applied in Payroll Credit is much lower than that of traditional personal loans, currently 0.72% to 2.14%, when compared to other types of personal credit operations. The good thing about Payroll Credit is that the person does not need to use a check, credit card or pay with tickets or payment cards.
Consigned without Consultation to spc and serasa
As if it were not enough in Payroll Credit with payroll discount , no consultations are made to credit protection agencies, that is, creditors do not consult the SPC and SERASA to release the borrowed money. The concession process is fast, easy and without bureaucracy, besides being available in several Banks, dozens of Financial and thousands of correspondent banking correspondents throughout Brazil. It is very easy and simple to make this type of loan.
Check the Banks that offer Payroll Credit
Caixa Econômica Federal, Banco Industrial do Brasil S / A, Banco do Brasil
Banco Ibi S / A Banco Real SA – ABN AMRO, Banco Safra, Banco BMC
Banco Banese, HSBC Bank Brasil S / A – Consumer Finance, Banco Mercantil do Brasil
Banco Cruzeiro do Sul, Bancred S / A, Banco Banrisul, Banco Santander
Banco Acredita SCM Ltda, Banco Bradesco, Banco Volkswagen, B. Cetelem
Barigui S / A CFI, Banco Itaú SA Banco BESC S / A, Banco GE Capital S / A
Banco Ficsa SA, Banco Schahin S / A, Banco Paulista, Lemon Bank, Banco BGN
Banco Votorantim, Banco Banestes, Banco Parati-CFI S / A, Banco Arbi
Banco BMG, Banco Morada SA, Paraná Banco S / A, Banco Pine S / A
Banco ABC Brasil, Banco Sofisa S / A, Citibank, Banco CR2, Banco Bonsucesso
Banco Cacique S / A, Banco BVA S / A, Unibanco, RS SA / Banco Rural
Lecca CFIS.A., Banco BBM SA, Banco Cédula S / A, CréditoFeito, Banco Oboé
Banco Panamericano S / A, ASB S / A, Semear Bank, Banco Máxima
Intermedium CFI S / A, Daycoval Bank, Matone Bank, Banco Intercap S / A
Banco Cetelem, Banco Credibel S / A, Banco Socicred, Banco Nossa Caixa SA
Banco Cooperativo do Brasil SA, Banco Sul Financeira, Banco Fibra S / A
Banco Crefisa S / A, Banco Credifar SA
About Payroll Credit
Paycheck credit is the safest loan operation for the creditor, since the discounts on the installments are practically made automatically, the collection is sent under the responsibility of the employer, the union or the government agency. Because of the low risk, it makes it possible for the loan to be made even for “dirty” contractors (those registered with the SPC or Serasa). the paycheck-deductible credit is also advantageous for the borrower as a debtor since it decreases the operational time of going to the financial institution or doing the service manually by paying in a bank.
These factors contribute to the fact that the consignment has the lowest interest rates on the market.