The payroll deductible loan for retirees and pensioners of the INSS is no longer new for none for the Brazilian, whether beneficiary or not, everyone knows at least someone who has already taken the payroll. Even dozens of private companies also offer payroll payroll loans.
What differs from the modality are the companies and the conditions offered by them to the consigned policyholders. By the way, starting in March this month, the thousands of retirees and pensioners of the INSS throughout the country can request one or more payroll loans from wherever you are and without leaving home.
The Geru Payroll Credit Platform, which has been operating in the online personal loan segment through partnership with bank Cetelem, the arm of French group BNP Paribas, will be the first Fintech loan in Brazil to offer this kind of 100% digital operation .
How does Geru Payroll Credit work?
The payroll is the modality of personal credit of the cheapest existing in the loan market, the interest rate are limited to 2.08% per month by the MPAS itself. Of course this interest is only a ceiling and with the dispute for the end customer, many banks reduce their spreads, and Geru is in this purpose, to improve the supply of consigned credit.
To begin with, Geru will offer the interest from 1.8% per month, regardless of the amount of plots, which can range from 6 to 72 times. Usually the interest is applied according to the total of installments.
In the payroll, the payment of the installments and different from the other options of personal credit and non-payable loan, in this modality, the installments are directly discounted in the benefit, income or payment of the contractor’s salary. With the risk diminished for the lender, rates and conditions are improved and lower.
With the advancement of technology in online loans, the habitual borrower of credit is faced in the credit platform, in addition to lower interest rate than in conventional banks, the convenience, security and speed to request and receive the money into account.
Payroll deduction 100% online
With all the procedure for requesting, approving and releasing 100% online for payroll deductible credit to INSS beneficiaries, the information of the retired and retired data is kept safe and stored on the platform, and if all the necessary data is correct, within minutes, the applicant will know the conditions of the loan for immediate approval.
Cetelem bank is a specialist and has experience in the granting of payroll-deductible credit, the banks will be Geru’s partner to finance operations from online funding.
Who is Geru loans?
Geru is a Fintech that operates with personal loan online, is extremely disruptive and, its operations are agile and it competes with excellence in a very concurred market.
In the online platform, payroll loans will be available from R $ 2,000 to R $ 80,000, always respecting the margin for the assignment available at the time of hiring. Currently, the INSS allows its beneficiaries to commit a maximum of 30% of income and to incur up to 9 loans in their payroll.
Request for payroll deductible loan at Geru
The simulation of credit and the conclusion of the loan operation should be carried out on Geru’s own website: www.geruconsignado.com.br. To start the request, simply access the online page and fill in the personal details required, inform the amount of the benefit and the portion that is already committed to the payment of loans, if any.
Fill in the information to request the payroll deductible loan Geru, now the borrower chooses the amount he wants to receive and, based on the information provided, the platform will show the best conditions of the loan.