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“Where can I get my thirteenth salary in advance?” is one of the main surveys that emerge in the middle of the year.
This is because the months go by, the bills keep arriving and the anxiety for the 13th salary only increases.
Some even say that it is worth buying in advance to ensure better prices on Christmas gifts. But is this true?
After all, is it possible to bring forward the thirteenth salary? Which companies offer this proposal?
Throughout today's material we will clarify this issue, in addition to presenting the main proposals on the market.
In the end, we will still see whether or not it is worth betting on this idea.
So, if this was the kind of content you needed, keep reading!
What is the thirteenth? Who is entitled to it?
The thirteenth salary is one of the main benefits guaranteed to workers under the CLT regime.
And, explaining it in a simplified way, the 13th works as an extra salary, paid at the end of the year, between the months of November and December.
But, what few people know is that in fact the thirteenth salary is not exactly an extra salary.
This is because the purpose of the benefit is to compensate the worker for the 31-day months.
If we think about it, salaries are always calculated based on 30 days.
Therefore, in months with 31 days, the worker ends up “losing” that day in receiving payment.
So, the 13th salary comes to compensate for these days worked, which are not included in the payroll.
This way, the worker doesn't lose out, and also has a little extra money to help with the year-end bills.
But who is entitled to the 13th?
As explained, the benefit is guaranteed by the rules of the CLT regime.
Therefore, only those who have a work record, regulated by CLT rules, will be guaranteed the right to the 13th salary.
Those retired by INSS are also entitled to the 13th salary.
Therefore, MEIs, self-employed workers and workers with any other employment relationship other than CLT are not guaranteed the benefit.
How does the thirteenth salary payment work?
At this point you already know what the thirteenth salary is and which workers are entitled to the benefit.
But we still need to talk about how the payment works, since this is precisely the point that generates curiosity about bringing forward the thirteenth salary.
The thirteenth salary is paid once a year and must be paid by the 20th of December.
For this reason, companies can choose two main methods for payment:
One part on November 30th and the other until December 20th;
Or, payment in a single installment, on November 30th.
This means that the company cannot wait to pay the full amount in December.
Therefore, if you wish to pay in a single installment, this must be done in November.
Regarding the value, the 13th corresponds to the value of the worker's salary, with the addition of overtime and additional hours.
Therefore, the company must calculate the overtime worked throughout the year to determine the value of the tenth.
Finally, it is important to say that some labor discounts apply to the thirteenth salary, such as INSS and Income Tax.
Discounts on transportation vouchers, health insurance, food assistance and many others cannot occur.
You can check all this information on the pay slip for the benefit, which is issued separately.
But what about the question “Where can I get my thirteenth salary in advance??”. We’ll see soon!
Where can I bring forward my thirteenth salary? Is it possible?
And, after so many explanations about the thirteenth, you certainly already have a good understanding of the benefit and method of receiving it.
Therefore, you know that it is inevitable that you will have to wait until the end of the year to receive the benefit regularly.
For those who have bills to pay or need the money urgently, it can be difficult to wait.
But, is it possible? bring forward the thirteenth?
The good news is that yes, you can bring forward your thirteenth salary, thanks to a type of loan offered by some banks.
This modality consists of an advance, in which the bank offers you a credit limit, in exchange for payment made with a discount on the thirteenth salary, plus interest.
Several financial institutions offer this service, and each one has its own limits and fees.
We will now see the answer to the question “Where can I bring forward my thirteenth payment?”.
Federal Savings Bank
Caixa Econômica Federal is one of the main banks that allow you to bring forward your thirteenth birthday.
With this proposal, you can advance up to 90% of your thirteenth salary.
However, there are some conditions for releasing the loan, which are:
- Employment contract of at least 12 months;
- Have a salary deposit account at Caixa for at least 12 months.
Values range from R$ 500.00 to R$ 20,000.00.
Rates can be consulted at the time of contracting.
Bank of Brazil
Banco do Brasil also counts with the proposal to bring forward the thirteenth.
The conditions are basically the same as those at Caixa, with the difference that the customer needs to use BB services.
The amounts made available vary according to the credit limit granted to the customer, which depends on their salary.
Interest rates must be consulted at the time of contracting, which can be done through the Banco do Brasil app.
Itau
Itaú promises advance the thirteenth salary with reduced rates.
In addition, the bank also offers the customer the option of paying in a single installment in December.
As for the values, these are defined through the personalized proposal.
As for the rates, the bank guarantees that they are lower than what is usually applied to the market, but it is worth checking at the time of contracting.
Santander – advance your thirteenth birthday with good conditions
Finally, our last recommendation is Santander, which also allows you to bring forward your thirteenth salary.
Santander has the advantage of allowing you to advance up to 100% of the tenth, while other banks generally allow between 80 and 90%.
Additionally, you have until 12/20 to pay off the debt.
The request is made directly through the Santander app, where you can check the personalized proposal for your profile.
Is it worth bringing forward your thirteenth salary?
After everything we have seen throughout the material, there is only one question left: after all, is it worth bringing forward the thirteenth salary?
The fact is that there is no right answer to this, since, in this case, only a personal assessment determines whether something is worth it or not.
For example, if you are in a tight financial situation, and you need the money to pay your rent to avoid being evicted, who is to say that it is not worth it?
It is true that you will lose some of the value with interest, but your need will not wait.
So, in cases like this, receiving the 13th salary before the end of the year can certainly be excellent.
If, on the other hand, you are not in any rush and just want the money to enjoy yourself, it is worth rethinking.
This is because, anticipate the thirteenth is a type of loan, which includes interest and charges.
So, taking out a loan unnecessarily can make you lose part of your money for nothing.
Therefore, it is clear that it is essential that you carry out an analysis before accepting this proposal.
Evaluate your needs, and be sure to compare lenders’ proposals.
This way, you can be sure that you are making a decision free from negative impulses, and you will also have the best credit conditions.
So, now that you know how to bring forward your thirteenth salary, check the conditions for your case and take advantage of the possibilities!
