{"id":15493,"date":"2025-06-04T16:05:51","date_gmt":"2025-06-04T19:05:51","guid":{"rendered":"https:\/\/www.pryorglobal.com\/?p=15493"},"modified":"2025-06-06T09:19:16","modified_gmt":"2025-06-06T12:19:16","slug":"credito-do-trabalhador-o-que-muda-com-a-nova-modalidade-de-credito-consignado","status":"publish","type":"post","link":"https:\/\/www.pryorglobal.com\/en\/credito-do-trabalhador-o-que-muda-com-a-nova-modalidade-de-credito-consignado\/","title":{"rendered":"What changes with the new payroll-deductible loan?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"15493\" class=\"elementor elementor-15493\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f2b404 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f2b404\" data-element_type=\"section\" data-e-type=\"section\" data-no-translation=\"\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c281a5\" data-id=\"9c281a5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cbf0b03 elementor-widget elementor-widget-text-editor\" data-id=\"cbf0b03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.in.gov.br\/en\/web\/dou\/-\/medida-provisoria-n-1.292-de-12-de-marco-de-2025-617330901?utm_source\"><strong>Provisional Measure No. 1,292<\/strong>, published on March 12, 2025<\/a>, established a new <strong>payroll loan<\/strong> modality aimed at private-sector workers, including domestic and rural employees. The measure represents an important advance in access to credit with <strong>lower interest rates<\/strong> and automatic payroll deductions via <strong>eSocial<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-830e89a elementor-widget elementor-widget-image\" data-id=\"830e89a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.pryorglobal.com\/wp-content\/uploads\/2025\/06\/credito-trabalhador-copiar1.png\" title=\"credito-trabalhador copiar1\" alt=\"credito-trabalhador copiar1\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09c3368 elementor-drop-cap-yes elementor-widget__width-initial elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"09c3368\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0<\/p><p>Since April 25, workers have been able to migrate old payroll loan contracts to the new model or contract this line of credit through the banks&#8217; electronic channels.<\/p><p>To support employers, <a href=\"https:\/\/www.caixa.gov.br\/voce\/credito-financiamento\/emprestimo\/consignado\/credito-do-trabalhador\/Documents\/Credito-do-trabalhador-PJ-EMPREGADOR.pdf\"><strong>Caixa Econ\u00f4mica Federal<\/strong> has released a document<\/a> detailing all stages of the process. In summary, after contracting the credit via the <strong>Digital Work Card app<\/strong>, the financial institution reports the data to eSocial, which then provides the employer with the information necessary to make payroll deductions. <strong>HR<\/strong> must regularly access the <strong>Emprega Brasil Portal<\/strong>, apply the deductions in accordance with the legal margin of <strong>35% of the salary<\/strong>, and pass the amounts on to the financial institutions.<\/p><p>The process requires companies to pay close attention to the integration between payroll systems and the eSocial environment, as well as stricter control over payroll deductions authorized by employees. Another important point is internal communication: HR now has a strategic role in advising employees about the <strong>terms of the new credit<\/strong> and the <strong>impact on their paychecks<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80ce6c1 elementor-widget elementor-widget-image\" data-id=\"80ce6c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"279\" src=\"https:\/\/www.pryorglobal.com\/wp-content\/uploads\/2025\/06\/credito-trabalhador-copiar2.png\" class=\"attachment-large size-large wp-image-15491\" alt=\"\" srcset=\"https:\/\/www.pryorglobal.com\/wp-content\/uploads\/2025\/06\/credito-trabalhador-copiar2.png 860w, https:\/\/www.pryorglobal.com\/wp-content\/uploads\/2025\/06\/credito-trabalhador-copiar2-300x105.png 300w, https:\/\/www.pryorglobal.com\/wp-content\/uploads\/2025\/06\/credito-trabalhador-copiar2-768x268.png 768w, https:\/\/www.pryorglobal.com\/wp-content\/uploads\/2025\/06\/credito-trabalhador-copiar2-18x6.png 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c742e29 elementor-widget elementor-widget-text-editor\" data-id=\"c742e29\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It is important to consider the medium-term side effects. Easier access to credit can bring financial relief to many employees, but it also increases companies&#8217; responsibility to monitor possible situations of over-indebtedness, which can impact productivity.<\/p><p>The payroll-deductible loan is a positive initiative that democratizes access to fairer lines of credit. However, like any regulatory change, <strong>it requires preparation, information, and proactive action by HR and payroll teams<\/strong>.<\/p><p>Since its creation, the program has already totaled R$ 11.3 billion in approved payroll loans for more than 2 million workers in the country, <a href=\"https:\/\/www.gov.br\/secom\/pt-br\/assuntos\/noticias\/2025\/05\/credito-do-trabalhador-portabilidade-de-emprestimo-entre-bancos-comeca-nesta-sexta-16\">according to data released by the <strong>Federal Government<\/strong><\/a>. Mass adoption reinforces the importance of companies preparing to incorporate this new operation into their payroll processes.<\/p><p>For companies seeking efficiency and compliance in an ever-changing regulatory environment, <strong>Pryor Global<\/strong> offers integrated accounting, tax, financial, and payroll solutions through its Business Process Solutions (BPS) division. Focusing on international companies, it leverages technology, compliance, and efficiency to optimize processes and add value to management.<\/p><p>To learn how we can help your business, contact us!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Provisional Measure No. 1,292 represents an important advance in access to credit with lower interest rates and automatic payroll deductions via eSocial.<\/p>","protected":false},"author":14,"featured_media":15492,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[287],"tags":[],"class_list":["post-15493","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bps-business-process-solutions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>credito-do-trabalhador-o-que-muda-com-a-nova-modalidade-de-credito-consignado<\/title>\n<meta name=\"description\" content=\"A Escritura\u00e7\u00e3o Cont\u00e1bil Digital (ECD) \u00e9 uma obriga\u00e7\u00e3o acess\u00f3ria que faz parte do Sistema P\u00fablico de Escritura\u00e7\u00e3o Digital (SPED). 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