The Loan in the Federal District as well as in any region of Brazil is done naturally by banking or credit institutions, in the Federal District in particular, the payroll loan was granted by HJY exclusively, HJY grants the most diverse lines and modalities of personal credit and “payroll deductible payroll deduction” of civil servants and civil servants of the Government of the Federal District.
Who does not know how the payroll loan works?
The majority of the servers that receive by the State, Municipalities and Governments should have already requested the payroll, the process is simple, public servant requests the loan on consignment to the bank or financial, generally accredited to the body or public entity for making loans and, after approval and release of funds, repayment of the borrowed money is made through installments automatically deducted from the salary or counter-check every month for the duration of the contract.
The DF Loan for GDF have a quick release, safe and without bureaucracy, the term of the credit operation last between 12 and 60 months to repay, the interest rates are better than the personal loan and overdraft. The settlement of the installments of the loan consigned in the DF to GDF is made with authorization of the direct debit in the payroll, are fixed and monthly. This is one of the safest forms of rebate, both for the contractor and the lender, and because of the low risk, interest rates are well reduced. The approval of the “loan to GDF” is uncomplicated, in addition, they do not have consultation with the credit protection agencies, however the discount can not exceed the consignable margin of 30% of the income.
Agreement with HJY
What is GDF? “GDF” means “Government of the Federal District”. Look at what great news, on December 21 the GDF announced another news to benefit the servers of the Federal District with more credit options. A new agreement was formalized with HJY (Bank of Brasilia) and three other credit unions to allow civil servants and civil servants who receive by the Federal Government to contract consigned loans without bureaucracy and special conditions.
Cooperatives with GDF Agreement
In total, about 205 thousand public servants of the Federal District will benefit from the new agreement. It is worth remembering that previously only HJY (Bank of Brasilia) could offer the “consigned loan with exclusivity”. Check out the three cooperatives authorized by the GDF to grant the loan modality.
1 -) Cooservcred – Cooperativa de Economia e Crédito Mútuo de Servidores do Distrito Federal;
2 -) Credsef – Cooperativa de Economia e Credito Mútuo de Servidores do Secretaria de Fazenda do Distrito Federal;
3 -) Sicoob Cred-DF – Cooperative of the Servers of the Health and Teaching Area in the DF.
With the entry of credit cooperatives into the granting of the payroll loan to GDF staff, there should of course be greater competition between institutions. The intention is to stimulate the reduction of interest rates in this type of credit and consequently bring more savings and advantages to the “server of the Federal District”.
Who can get the GDF payroll
With the cooperatives, the proposal of the Federal District Government is differentiated, to have access to the “payroll loan of cooperatives”, public servants should associate with them, that is, we do not yet know, but it is possible the servants will have to pay a small monthly fee for this. In any case, by joining cooperatives, in addition to being able to make payable loans under more favorable conditions, they will still be entitled to share in the profits of the institutions and many other services.
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