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For customers who need extra money to pay off their debts, one of the best options would be to bring forward their 13th salary.
Therefore, through advance payment, you can receive the amount to deal with an urgent problem.
So, continue reading and understand how the process works and whether it is really worth it.
What is the 13th salary?
First of all, know that the thirteenth salary would be a right guaranteed by art. 7 of the Federal Constitution of 1988.
And this would be an extra salary that is paid to the worker at the end of each year.
In this sense, all employees who have a signed employment contract, as well as pensioners, retirees and casual workers, can receive it.
After fifteen days of service, you are entitled to the thirteenth salary and the amount would be calculated based on your full salary.
In this way, the salary value is divided by the number of months that were worked on.
But, before understanding how the process of advancing the 13th salary works, keep in mind that the amount is paid in two installments:
The first is available from February to November or even when the employee goes on vacation. This installment can be paid in advance.
The second installment is paid on December 20th.
How to bring forward the 13th
Once you understand more about your rights, we can clarify how the process works. to anticipate:
First of all, this would be a loan line that various banks offer to consumers.
In this sense, it is worth mentioning that this credit has one of the cheapest interest rates on the market.
And this is because your employer has a deadline to make the benefit payment, which means that the bank is not at risk of default.
And when you anticipate receiving the benefit, the chosen bank will schedule the debit from your current account for the end of the year.
Therefore, the loan is short-term, has low interest rates and offers complete security to the customer.
By the way, if you are in debt, don't worry. because for anticipate the 13th salary It is not necessary to have a clean record and there are no extra conditions.
And finally, you should contact your bank and analyze all the conditions of the proposal offered.
Ideal time to anticipate
The strategy of bringing forward the 13th salary is good for customers who need to pay off urgent debts.
Furthermore, some people understand that anticipation can be interesting when a good investment proposal arises.
For this reason, analyze all the options around you and be very wise in your choice, ensuring that you will not need this money later on.
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