Clipping of news on Brazilian Culture, Law and Citizenship
30/05/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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8 tips on how to use payroll loans
SAO PAULO - The number of employees of companies , retirees and pensioners that borrowers Discount payroll is too high , which makes it become one of the main forms of indebtedness of the population .
According to data that consider only the retirees of the INSS ( National Social Security Institute ) , there was a slight downturn in obtaining this form of credit . In March this year, payroll loans totaled R$ 3.543 billion , a result 4.04 % lower than the same period of 2013 , when more than R$ 3.6 billion were released .
In number of contracts , the reduction is even greater : in March 2014 , recorded 1,046,291 against 1,147,337 contracts hired in March 2013, a decrease of 8.81 % .
According to financial educator Reinaldo Domingos , this reduction is due to several factors , among which are the negative economic outlook , which caused fear to grow considerably in the population borrowing in the market, not knowing whether they can afford the commitments .
" However , in virtually all companies that I do work for financial education , observe the use of this tool credit improperly , which leads to problems such as drop in productivity and even layoffs , so this is a topic that needs to be subject to clarification and care, " he explains.
Check eight tips so that people are aware at the time of using a line of credit deductible :
1 - Before taking any credit is important to know your real financial situation , or make a financial assessment .
2 - It is very important not to make the loan and financial problems reflect on their professional performance , therefore, is much more complicated benefit without paying any salary.
3 - Before seeking for payroll loans , it is important to realize that the cost of living must be reduced by up to 30 % of monthly income , this provision because this will reduce your monthly gain directly from your salary or retirement benefit.
4 - It is very common to use the payroll loan to settle overdraft , credit card and financial , but simply the exchange of one creditor for another , without discovering the cause of the real problem , only feeds the cycle of debt .
5 - The online payroll loans , no doubt , if used well is important, but can not be part of the routine of an employee or retiree . Its use must be punctual .
6 - It has been common to borrow the name to third parties by retirees and even employees , but this procedure is harmful to everyone.
7 - If you find lower interest rates , portability applies to this credit. For employees , the path will speak to the Human Resources ; for Retirees , the possibilities are endless , you need to research .
8 - For those who want to take the payroll loans , advise you, before even signing the contract with the financial institution , make it a good thought and consider whether this value will be deducted directly from the salary or benefit will not lack for essential monthly commitments .
Source : MSN.com
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This article was translated by an automatic translation system, and was therefore not reviewed by people.