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Masu riƙe da BPC (Fa'idar Ci gaba da Biyan Kuɗi) za su sake samun damar neman lamunin da ake cirewa kai tsaye daga albashi ta hannun wasu bankuna. Wannan zaɓin bashi, wanda aka dakatar tun daga Maris na wannan shekara saboda shawarwarin Kotun Ƙoli ta Tarayya (STF), ya samu amincewar shari'a daga alƙalai a ranar 11 ga wannan watan.
Saboda haka, an ba bankuna izinin sake fara bayar da wannan nau'in lamuni, tare da cire kuɗaɗen kai tsaye daga biyan fa'idar. A cikin wannan rubutu, za mu yi nazari dalla-dalla kan sake kunna lamunin BPC da sharuɗɗan da bankuna suka gabatar.
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Halaccin Lamunin da Ake Cirewa Kai Tsaye daga Albashin BPC
BPC, wani shiri na Cibiyar Inshorar Jama'a ta Ƙasa (INSS), yana taimaka wa mutane fiye da miliyan 1 a Brazil. An tsara wannan fa'ida ne ga tsofaffi sama da shekaru 65 da masu nakasa masu ƙaramin kuɗin shiga, da darajar R$ 1.320 a kowane wata.
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Kafin farkon wannan shekara, masu cin gajiyar BPC da yawa na iya neman rancen cirewa kai tsaye, wato rance da ake cire kason biya kai tsaye daga fa’idar. Sai dai, a watan Maris na 2023, an dakatar da wannan sabis ɗin bashi domin a yi nazari a STF.
An yanke hukunci kan dacewar rancen cirewa kai tsaye na BPC a ranar 11 ga Satumba, kuma alkalai suka kammala cewa wannan nau’in rance ya dace da doka. Saboda haka, an ba bankuna izinin sake samar da rancen cirewa kai tsaye ga masu cin gajiyar BPC.
Sharuɗɗan Rancen Cirewa Kai Tsaye na BPC
Bayan hukuncin STF, an tsara wasu sharuɗɗa don bayar da rancen cirewa kai tsaye na BPC. Wannan bashi na iya ɗaukar har zuwa 35% na adadin fa’idar, inda 30% aka ware wa rance, sannan 5% wa katin bashi. Bugu da ƙari, an sanya iyakar kudin ruwa da bankuna za su caje.
Banco do Brasil yana cikin cibiyoyin da za su samar da lamunin BPC da ake cirewa kai tsaye daga fa’ida, tare da ƙimar ruwa tsakanin 1,76% da 1,89%. Itaú ma zai gabatar da wannan nau’in lamuni, tare da ƙimar ruwa ta 1,91%. Mercantil da C6 Bank suna cikin rukunin bankunan da za su sake gabatar da lamunin BPC da ake cirewa kai tsaye, tare da ƙimar ruwa ta 1,91%.
Bradesco, duk da ya tabbatar da shiga shirin, bai bayyana cikakkun bayanai game da ƙimar ruwansa ba. Mercantil ne kaɗai a cikin waɗannan bankunan da zai kuma samar da lamunin da ake cirewa kai tsaye daga katin bashi, tare da ƙimar ruwa ta 2,83%.
Fa’idodin Lamunin BPC da ake Cirewa Kai Tsaye
Sake aiwatar da lamunin BPC da ake cirewa kai tsaye yana ba masu cin moriyarsa fa’idodi da yawa. Wannan sabis na bashi hanya ce mafi sauƙi ta samun kuɗaɗen da ake buƙata, domin yawan ruwa yawanci ya fi na sauran nau’ikan bashi ƙasa. Cire kuɗin kai tsaye daga fa’idar yana rage haɗarin jinkiri ko rashin biyan kaso-kason, yana ba mai cin moriyar ƙarin kariya.
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Lamunin da ake cirewa kai tsaye daga fa’ida na iya kuma magance yanayin gaggawa ko ba da damar aiwatar da ayyukan kai. Tare da ikon ware har zuwa kashi 35% na darajar fa’idar, masu karɓar BPC na iya amfani da wannan hanya don biyan basussuka, yin gyare-gyare a gidaje, saka jari a ilimi ko ma jin daɗin lokutan nishaɗi tare da iyali.
Bugu da ƙari, dawo da lamunin da ake cirewa kai tsaye daga fa’idar BPC yana wakiltar wata dama ga masu karɓar wannan shiri su samu kuɗaɗen kuɗi cikin sauƙi da aminci. Tare da sharuɗɗan da STF ta tsara, bankuna na iya ba da irin wannan bashi, suna cire kaso-kason kai tsaye daga fa’idar.
Yana da matuƙar muhimmanci masu karɓar BPC su yi la’akari da bukatunsu da damammakinsu kafin su karɓi lamuni, tare da zaɓar mafi kyawun sharuɗɗa da ƙimar ruwa koyaushe. Lamunin da ake cirewa kai tsaye daga fa’ida na iya zama mafita ga yanayin gaggawa ko kuma don aiwatar da ayyukan kai, muddin ana amfani da shi cikin sani da taka-tsantsan.
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