The consignable margin for INSS retirees and pensioners returned to 45% after the expiration of Provisional Measure 1,355/2026. This margin represents the monthly income limit that insured individuals can commit to credit installment payments, being divided into 35% for traditional loans and financing with payroll deduction, 5% for consignable credit card and 5% for consignable benefit card.
The PM had reduced this percentage to 40%, which in practice decreased the total loan amount a beneficiary could obtain. However, the text needed to be approved by the National Congress by August 31 to be converted into law, which did not occur.
With the loss of validity of the measure, the margin returned to the previous 45%. It now falls to Dataprev, the company responsible for social security systems, to make the necessary adjustments for recalculating the margin whenever there are changes in the income commitment percentage of insured individuals.
The Continuous Cash Benefit (BPC/Loas) is not included in this consignable margin, meaning its beneficiaries are not covered by this rule.
