Retirees and retirees from INSS (National Institute for Social Security) can now contract out the credit using the new 45% customizable margin. This was the second consecutive increase in the cap, which was originally 35%.
For the general consumer, the good news is that Petrobras has lowered the price of cooking gas sold through its distributors. On the other hand, the federal government has decided that the phone companies pass the ICMS system on to their customers.
we Friday highlights23, see also that today consultations for the fifth installment of income tax refund are scheduled to begin.
Banks can now offer payroll loans with a margin of 45%
Pensioners, retirees and other beneficiaries of the National Institute of Social Security (INSS) can now benefit from the increase in customizable margin to 45%. From now on, banks across the country are allowed to release credit equal to a higher limit on the benefits of the contracting party.
35% of this total is for personal loans withheld from payroll; 5% for credit card fees; and 5% for payroll card use. This is the next increase in the allocable margin, which as of March 2021 was 35%.
According to the Brazilian Confederation of Banks (Vibraban), the change also applies to those receiving the BPC/Loas.
With the change, the insured can withdraw up to 70% of the maximum so-called benefits card sent in cash, with no annual fee. The product contains a mandatory offer of life insurance, free pharmacy assistance and guaranteed pharmacy assistance and discounts.
The bill pay period is up to 40 days, with an interest rate of 3.06% per month for unpaid debts greater than 5% of margin.
New reduction in the price of cooking gas
Petrobras announced yesterday, 22, a new car Reducing the price of liquefied petroleum gas (LPG), cooking gas sold to distributors. Starting this Friday, the value will increase from R$4,0265 to R$3.7842 per kilo.
The cost of a gas cylinder weighing 13 kg decreases from R$52.34 to R$49.19 at the company’s refineries.
“This reduction follows the evolution of reference prices and is in line with the pricing practices of Petrobras, which seeks to balance its prices with the market, but without passing through to local prices fluctuations in quotations and exchange rates.” The company owned said in a statement.
The last adjustment was on September 13, when the price per kilogram dropped from R$ 4.23 to R$ 4.03 (-4.7%). At that time, the price of a bottle of 13 kg was R$52.34.
Fifth batch of IR refunds: consultations should start today
The Federal Revenue Service should allow consultation Friday for the fifth installment of the 2022 income tax refund. Payment of the final batch is due next week, September 30.
Consultation can be held from 10 am, at e-CAC Gateway (Default Call Center), in the “Premium Services” tab. For access, it is necessary to inform the created password on the gov.br portal. Another option is to consult a revenue site.
The money will be deposited into the bank account notified by the taxpayer in the IR declaration, in the traditional way or via Pix.
Telephone operators will have to pass a reduction in ICMS
The National Telecommunications Agency (Anatel) wants Cut in ICMS Reaching the end consumer. To ensure that this happens, the agency decided to move the deductions promoted by the new law, a measure that should have been in place since June 23.
Anatel states that the discount can be up to 10% or 11% on average, but the amount varies a lot depending on the contracted plan and the customer’s situation. According to the phone operators, the process takes place at the same time as the annual adjustments in the accounts, so the Brazilians did not feel the effect.
In a note, Vivo, TIM, Claro and Oi said they will release ICMS cuts to residents by the end of November. Businesses will also have to redeem the deduction retroactively, starting from the date the tax cut starts.
According to Anatel’s post, operators have up to 15 days to start complying with the decision, as of the law.
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