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If you, a federal public servant, are in urgent need of money without bureaucracy, you need to know the Consigned Nude.
With Nubank's payroll loan option, you have access to credit without bureaucracy and with excellent payment conditions.
Continue reading this text and see how it works and how to request yours!
How does Nu Consignado work?
THE Consigned Nude It is Nubank's payroll loan modality, as already mentioned in the introduction.
It is intended for federal public servants who are Nubank customers.
For those who don't know yet, payroll loans are a type of loan in which the value of the installments is automatically discounted from the applicant's salary or benefit.
Therefore, this line of credit is one of the most recommended, as it offers lower interest rates and better payment conditions.
All of this is linked to the fact that it offers little risk to the lending institution; there are no delays in the payment of installments and the chances of default are almost zero.
Nubank is already recognized for being a fintech that offers credit without bureaucracy to its customers.
It would be no different with a payroll loan! The request is very simple and can be made 100% through the app.
Furthermore, it is fast and has no bureaucracy.
Both the request, simulation and management are all carried out through the Nubank app.
Through it, you can simulate, request and contract your loan, advance installments, and pay off your debt in full.
Although it is earmarked, the money requested can be used freely; whether it is to fulfill a dream, invest in a trip or organize finances.
According to the consignable margin
From 1,35% per month
Up to 96 months
Who can apply for Nu Consignado?
This loan can be requested by federal public servants (SIAPE) who have available credit margin.
In addition, it can be requested by INSS retirees and pensioners.
You can also transfer your loan agreement from another institution to this fintech, even if you are not a federal public servant or an INSS beneficiary.
The fintech makes it clear on its blog that for this modality, only servers with a stable employment relationship are accepted.
However, if you are an intern or a federal worker with a temporary contract, you can try to get approved for another type of credit from Nubank.
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What is the assignable margin?
Many people do not know what a consignable margin is and may be surprised by this term when applying for a payroll loan.
Simply put, the assignable margin represents how much of your salary can be committed to loan installments and/or payroll cards.
In payroll loans, it is mandatory and serves as a parameter to decide how much loan you can request.
According to the law No. 14,509/2022, federal public servants cannot commit more than 45% of their monthly salary to payroll loans (40% loans + 5% payroll card = 45%).
Let's look at a practical example?
If you receive R$2,000.00 per month, you can commit up to R$800.00 to the installments of a payroll loan, and up to R$100.00 to the installments of a payroll credit card.
As you can see, it is not the total value of the loan that must not exceed 45%, but rather the monthly installments.
In short, you can apply for as many payroll loans as you want, but you cannot exceed this assignable margin.
Therefore, if your consignable margin is compromised by other loans, you will not be able to take out the loan. Consigned Nude.
About the interest rate
The interest rates applied to the payroll loan are known to be lower and follow a ceiling stipulated by law, which is currently 1,72% per month.
In Nu Consignado, the interest rate is charged from 1.35% per month.
Regarding installments, you can pay your Nu Consignado in up to 96 months.
How do I request a Consigned Nude?
Applying for a payroll loan differs from other types of credit. To apply for theloan secured by Nubank, You must access the app and look for this alternative in the home panel.
When you click on the “Payroll Loan” option, the options available to you will appear.
If you have an alternative “Consigned Nude”, click on simulate and select the server profile, in this case: Federal Server (SIAPE).
Then click on the “New Contract” option. You will be redirected to your Gov.br account.
Log in and authorize Nubank to access your credit limit. If you have credit limit, you can run a specific simulation of the amounts, interest rates, fees and installments.
Check the data, if you agree, confirm by entering your 4-digit password.
Finally, you will need to access your SouGov.br account again to approve the contract.
After approval, the amount will be transferred to your Nubank account within a maximum of 3 hours.
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Conclusion
The payroll loan is an alternative that has some rules stipulated by law, which can bring more security to your operations.
With the Consigned Nude, you have access to a safe financial product, without bureaucracy, simple and easy to apply for.
You'll have money in your account in just a few hours to use as you need! So, find out more about this loan and see if it's worth applying for!
Before choosing, compare with the interest rates of other financial institutions, such as Inter, which offers an interest rate of up to 1.30%.
Inter Public Payroll Loan: see how it works
