Uso do FGTS em consignados deve reduzir a taxa de juros
Autor: Getulio Bechara | Publicado: 2017-01-11T08:16:00-03:00


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Tendência é de que percentual
caia, motivado pela concorrência. Normas para a utilização estão sendo
elaboradas pela Caixa.





O uso do Fundo de Garantia por Tempo de Serviço
(FGTS) em operações de crédito consignado deve estimular a redução das taxas de
juros nesse tipo de operação, afirmou o secretário-executivo do Conselho
Curador do FGTS, Bolivar Moura Neto. As normas para a utilização estão sendo
elaboradas pela Caixa Econômica Federal.



Pelas regras, os empréstimos podem ser feitos em
até 48 meses, com taxa máxima de juros de 3,5% ao mês, percentual até 50% menor
do que o de outras operações de crédito disponíveis no mercado, como os
empréstimos pessoais. De acordo com o Portal Brasil, a tendência é de que esse
percentual caia, motivado pela concorrência e pelas negociações intermediadas
por sindicatos, disse Bolivar.

“A gente imagina que a própria taxa média vai cair.
Hoje ela tem uma tendência de alta”, afirmou o secretário-executivo. “Isso deve
ajudar a reduzir as taxas de juros. Hoje, sem consignação, as taxas são de 6%,
7% ao mês”, disse.



Para o ministro do Trabalho, Ronaldo Nogueira, que
também preside o Conselho Curador do FGTS, a medida é “um avanço importante
para os trabalhadores”, porque ajuda quem precisa de recursos em um momento de
crise e dá garantias aos bancos, o que favorece a redução das taxas de juros.
“O trabalhador se beneficia de taxas mais baixas de juros”, lembra.&nbsp;



A medida



O uso do FGTS como garantia em operações de crédito
consignado foi aprovado pelo Senado em julho do ano passado, por unanimidade. A
medida prevê que os trabalhadores podem usar até 10% dos saldos das contas e a
totalidade da multa de 40% em caso de demissão sem justa causa como garantia
para as operações.



Atualmente, trabalhadores da iniciativa privada
respondem por R$ 18 bilhões contratados em consignados. Por mês, são
emprestados cerca de R$ 600 milhões nesse tipo de operação. Com o uso do FGTS
como garantia para as operações, esse volume pode crescer.



Regras



Em caso de demissão sem justa causa de trabalhador
com empréstimo consignado usado em garantia, a Caixa vai reter o saldo devido
ao banco contratante até o limite dos 10% do depositado no FGTS e 100% da
multa.



Não há retenção no uso do saldo nos demais casos
previstos para o saque do FGTS: compra da casa própria ou tratamentos de saúde
especificados em lei.