Pensioners and retirees still cannot see the exact amounts on INSS statements that they can allocate to the new loan rules presented in the My INSS report.

The agency announced that the adjustment of INSS margin statements with the 5th additional benefit card is being implemented and will likely be completed by the end of September.

With the law approved by President Jair Bolsonaro (PL) on August 3, the new limit is 45. The 35% that can be used exclusively for credit, financing and rentals and the 5% that can be used to cover card expenses were retained. of assigned credit. The new thing is that those insured with the benefit's Consigned Card can only commit to expenses and remuneration.

The interest rate will be the same as that of a credit card, up to 3.06 per month, informed the INSS. 

Even without full customization, retirees can find important information on the Meu INSS website or app, such as: the number of active loans and the amounts already deducted from their performance. This will make it easier to check INSS statements.

1 – Access My INSS with your CPF and password 

2 – If requested, enter an email to receive a validation code 

3 – Click on Loan Statement; If the INSS statement service is not in this tab, scroll down and look under Other Services. If necessary, click on the See more option in the bottom right corner 

4 – If you receive more than one social security benefit, consult one at a time 

5 – The screen will show the benefit number and the bank where it is paid, in addition to the attributable margin 

6 – The system will inform you when the service is blocked for loans, the number of active, suspended, canceled and completed loans, if applicable. There is also a special field for borrowing the card

7 – If the person does not have a loan and does not have loans blocked, the margin will appear on the My INSS home screen. If the person blocked the service, the values are not displayed 

8 – When clicking on the active loan, the system displays the request date, contract number, total loan amount, total installments, installment amount and disbursement forecast 

9 – For those who have credit, click Download PDF in the bottom right corner of the page to see the full details. On the first page of the bill of lading, a table appears with the values worth shipping

According to the INSS, the maximum is nine personal loan contracts. With a credit card, the limit is subject to the contract.

The payroll loan deducts the debt installments directly from the payroll. In the INSS payroll, the installments are deducted directly from the benefits of retirees and retirees. 

The rates charged by financial institutions are usually lower than other types of credit, as the risk of not repaying the debts is also low. According to the INSS, the number of installments must be agreed between the bank and the contractor, but the current maximum interest rate is 2.14 per month for salary loan operations and 3.06 per month for credit cards.

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