Ask your questions about the INSS consignment

The new INSS payroll credit rules brought important changes to security against fraud, payment terms and margin limits. Validation by facial biometrics in the Meu INSS application is now mandatory.

New conditions are now available for contracting
To contract INSS payroll loans with the new rules, simply request a loan from a financial institution and validate the proposal in the Meu INSS application. It takes up to five calendar days to confirm the operation using facial recognition.

The credit modality, which works with the automatic discount of payment installments from the paycheck or INSS benefit.

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It can be obtained directly from applications or branches of digital financial institutions, traditional banks and authorized banking correspondents.

In the case of Inter, for example, there are installments starting at R$42.60, and a calculator for loan simulation both by installment value and the total credit amount.

What is the new payment deadline?
Now the maximum payment time has increased from 96 months (8 years) to 108 months (9 years), which helps to reduce the value of the monthly discount.

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In addition, there was an end to the grace period ban: it is possible to take out the loan and only start paying later, within a period of up to three months.

What is the current consignable margin?
The consignable margin is the maximum percentage of the INSS benefit that can be committed to the loan installments. With the changes, the margin is 40% for social security benefits and 35% for assistance benefits.

A gradual reduction in the margin by two percentage points per year is also planned, until it reaches 30%.

Is it mandatory to authorize the contract using the new model?
Yes. The INSS requires confirmation of the beneficiary for each new operation using facial biometrics in the Meu INSS application.

Because of this, after taking out the loan with a financial institution or bank, the credit is blocked until this validation is carried out.

Changes increase security and combat over-indebtedness
In addition to mandatory biometric validation, the current INSS payroll loan rules prohibit hiring a loan recipient over the phone or through a third-party power of attorney.

The objective of the measures is to increase security for beneficiaries such as retirees and pensioners against fraud.

The rules are supported by Law No. 15,327/2026, with complementary regulations established by Decree No. 12,957/2026, also based on security recommendations from the Federal Audit Court (TCU).

The New Desenrola Brasil (Desenrola 2.0) also brought changes in the composition of the consignable margin: the retiree or pensioner can use the "surplus" part of the benefit card and payroll card modalities to take out a common payroll loan.

However, this must respect the established consignable margin limits.

Source: CNN