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INSS payroll loan margin returns to 45% for retirees
The maximum margin for payroll-deductible loans (crédito consignado) for INSS retirees and pensioners has returned to 45% of their monthly benefit. This change follows the expiration of Provisional Measure (MP) 1.355/2026 on August 31, which had temporarily capped the limit at 40%.
The restored 45% margin is divided into three specific categories: 35% for personal loans and traditional financing, 5% for payroll credit card expenses, and 5% for benefit credit cards. This restructuring aims to provide greater financial flexibility for millions of beneficiaries.
Dataprev began updating the necessary systems in early September to reflect these changes. While the limit is now active, beneficiaries are advised to check their available margins through official channels, such as the 'Meu INSS' app, as individual availability depends on existing contracts. Note that the rules for BPC (Benefício de Prestação Continuada) recipients remain unchanged, with a limit of 35%.
Entities
Congresso Nacional · Dataprev · Felipe Cavalcante · INSS · Luiz Inácio Lula da Silva · Ministry of Social Security
Claims
What the coverage asserts, and how many sources carry each claim.
- [● 2 SOURCES] The 45% margin is divided into 35% for personal loans, 5% for payroll credit cards, and 5% for benefit credit cards. diariodopara.com.br · noticiasconcursos.com.br
- [● 2 SOURCES] The total margin for payroll-deductible loans for INSS retirees and pensioners has returned to 45%. diariodopara.com.br · noticiasconcursos.com.br
- [○ 1 SOURCE] Dataprev began updating systems on September 1, with the new limits becoming effective on September 2. noticiasconcursos.com.br
- [○ 1 SOURCE] The average time to issue a decision on requests has dropped to 34 days nationwide. www.mixvale.com.br
- [○ 1 SOURCE] The BPC/Loas benefit maintains a specific rule allowing payroll loans up to 35% of the benefit value. noticiasconcursos.com.br
- [○ 1 SOURCE] The total volume of requests under analysis fell to 1.252 million at the end of August. www.mixvale.com.br
- [● 2 SOURCES] The change occurred because Provisional Measure 1,355/2026, which had capped the margin at 40%, expired on August 31. diariodopara.com.br · noticiasconcursos.com.br
- [○ 1 SOURCE] The monthly capacity to analyze social security requests has exceeded the volume of new applications filed. www.mixvale.com.br