Simulate Brazilian payroll-deductible loans for INSS pensioners and CLT employees. Calculates maximum legal margin (35% loan + 5% RMC + 5% RCC) and statutory CNPS interest caps.
Net benefit deposited after basic statutory discounts.
Total existing monthly consignado installments.
Official CNPS statutory ceiling: 1.68% per month.
Maximum statutory term regulated by INSS is 84 months.
\text{Margem Total} = 45\% = 35\%(\text{Empréstimo}) + 5\%(\text{RMC}) + 5\%(\text{RCC}); \quad P_{\text{max}} = \text{Margem} \times \frac{1 - (1+i)^{-n}}{i}Federal Law 10,820/2003 establishes strict debt caps: up to 35% for direct loan installments, 5% reserved for RMC credit card, and 5% for RCC benefit card, guaranteeing that at least 55% of the pensioner's income remains untouched.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
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