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Loan amount for retirees: read our text and find out how the amounts for this line of credit are defined and find out about institutions where you can apply for yours!
Do you know the value of the loan for retirees?
In fact, it is not possible to say what the exact value is, because it depends on some criteria.
In today's article, you will understand the subject better and be able to clear up your doubts.
In addition, you will find some options for institutions to apply for a payroll loan.
So, be sure to read it to the end!
See below what you will find in this post:
- What are the main features of the loan for retirees;
- Loan amount for retirees;
- My Everything Loan;
- Serasa eCred;
- BMG Bank;
- Savings Bank;
- Bank of Brazil;
- Conclusion.
What are the main features of the loan for retirees?
Unfortunately, the maximum interest rate ceiling for the payroll loan increased this month, going from 1,80% to 2,14% per month, as published in DOU.
However, the main feature of this line of credit is still the lower interest rate, compared to other credit models.
Furthermore, the loan for retirees stands out because it is exclusive to a group of people and the installments are discounted directly from the payroll or benefit.
It is usually exclusive to:
- INSS retiree and pensioner;
- Public servant;
- Armed Forces Server.
The payment conditions are also excellent, for example, longer terms and grace periods, smaller installments and less bureaucracy to receive approval.
Loan amount for retirees
There are some rules defined by law regarding the loan amount for retirees, that is, a payroll loan.
Therefore, it should not consume more than 30% of your benefit, which means that your loan installments cannot exceed this percentage.
For example, if your benefit is R$$2 thousand, the installment of the assigned credit cannot exceed R$$600.00.
Furthermore, age also influences the amount requested: if you are up to 79 years old, you can get up to R$$80 thousand.
However, if you are over 80 years old, you cannot request more than R$30 thousand.
In fact, few institutions provide loans to people over 80 years old, as the operational and stability risks are greater.
Under the law, people over 70 years of age are considered unaccountable.
Other than that, the value of loan for retirees also depends on the available margin.
Now, get to know some institutions and banking correspondents with different ceilings for the value of the payroll loan.
1. My everything
To apply for a loan through Meu Tudo, you cannot be older than 74 years and 11 months.
One of the advantages is that there is no need to consult the SPC and Serasa, meaning it can be requested by retirees with negative credit ratings.
Fees start at 1,79% per month and you can pay in installments over up to 84 months.
This loan model is exclusive to:
- INSS retiree;
- INSS pensioner;
- Active and inactive federal public servants.
It is 100% online and digital, after signing the contract, the amount is deposited into the account within a maximum of 24 hours.
Go to the Meu Tudo website and make a simulation.
2. Serasa eCred
At Serasa you can simulate and compare the best loan amount for retiree, including as many times as necessary.
The Serasa eCred loan is exclusive to INSS retirees and pensioners, even if they have a negative credit score or a low score.
The process is simple, fast and 100% digital; in just 10 minutes you can simulate and take out your loan.
The institution's interest rates start at 1.49% per month. Click here and do a simulation.
3. BMG Bank
Banco BMG's payroll loan is intended for INSS retirees and pensioners and public servants.
The amounts acquired can be paid in installments over up to 96 months and the fixed interest rate is 2.14%.
You can request yours through the app, WhatsApp or at a BMG agency.
4. Federal Savings Bank
Caixa also has a great payroll loan option.
Although the loan amount for retirees only to be defined after credit and registration analysis, it is possible to obtain good values with this institution.
Furthermore, it is less bureaucratic and the credit is available quickly!
You can request yours via Internet Banking, Caixa branches or Caixa Aqui correspondents.
5. Bank of Brazil
BB's payroll loan can be paid in up to 96 months and the fixed installments are discounted directly from your benefit.
After taking out the loan, you have up to 180 days to pay the first installment.
Furthermore, interest rates are competitive and it has excellent contracting and payment conditions.
You can request yours via Internet Banking or by going to a BB branch.
Conclusion
Well, the loan amount for retirees It depends on some factors, as observed in the second topic.
Even if the margin determined by law is 30% of the benefit, the value of the installments of the amount requested may not reach this percentage, depending on the credit analysis.
So, as each institution has its own criteria for approval, you can run the simulation in more than one until you get the value that fits your budget and planning.
