Qual o valor máximo do consignado SIAPE?

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O valor máximo liberado na contratação de empréstimo varia de acordo com a margem consignável.

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A margem é um limite para a parte da renda mensal que pode ser comprometida com parcelas de empréstimo.

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Esse limite é definido em normas e, atualmente, está em 45%, sendo 35% para empréstimo, 5% para cartão consignado e 5% para cartão benefício.

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Esse percentual é aplicado sobre a renda mensal líquida. Com o valor da margem em mãos, é possível chegar ao valor máximo para empréstimo.

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Vale lembrar que a quantia total liberada também é influenciada pela taxa de juros e prazo da operação.

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Veja alguns exemplos de valores liberados para servidores, levando em conta diferentes faixas salariais, o teto de juros (2,05% ao mês) e o prazo máximo de 96 meses:

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Salário líquido de R$20 mil: empréstimo de até R$ 292 mil

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O simulador de empréstimo é a ferramenta ideal para descobrir quanto você pode contratar de consignado em instantes.

[{"selector":"#anim-51c6733b-d4a8-48be-a140-753da156d09b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8dfcf5b8-eb5d-42c0-8765-51b5fce48909","keyframes":{"transform":["translate3d(0px, 185.77443%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-88f32ed2-79db-40dd-85b9-97b3f734f6c1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9cc36af8-6e2e-47f7-bc1f-e6a4e33f6095","keyframes":{"transform":["translate3d(0px, 191.95687%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Dinheiro extra: peça

Acesse já o simulador online e GRATUITO da BX Blue, uma empresa PicPay

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Veja também

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Créditos

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