FGTS: Learn how to withdraw your benefits early
3 min read
FGTS (Fundo de Garantia do Tempo de Serviço) is a benefit to the right of workers who carry out official activities and can only be withdrawn in cases established by law, such as dismissal without just cause, for example. However, one of the program’s methods allows the worker to access the resources.
a FGTS (Fundo de Garantia do Tempo de Serviço) is a benefit from the right of workers who carry out official activities and can only be withdrawn in cases established by law, such as dismissal without just cause, for example. However, one of the program’s methods allows the worker to access the resources.
a birthday loot It is a type of fund that gives workers, once a year, a portion of the balance available in the FGTS, in the month of your birthday. Values can be redeemed for up to three months after issuance.
How do you expect the FGTS birthday to withdraw?
Christmas loot anticipation works as a file loan Which offers up to three installments of the method, ie, three years of repayment. However, to implement the expectation, the operator must first adhere to the method.
The procedure can be carried out through the following service channels:
- Request FGTS;
- Site;
- caixa agencies
- online banking cash;
- Caixa mobile banking app; or
- Caixa Team app.
Advance payment can be contracted by any worker who has an account linked to FGTSwhether it is active or inactive. However, as mentioned, it is necessary that you have signed up for the Christmas withdrawal method, have a Caixa account (a savings account or a checking account) and not have an open loan at the institution.
Benefits of early withdrawal
- immediate access to the service, without the need to wait for the memory of the date of withdrawal;
- lower interest rates on commercial credit products;
- Possibility to pay up to 3 annual installments to withdraw the birthday FGTS;
- There are no monthly installments, so it does not hurt the worker’s monthly budget by paying the premiums;
- automatic repayment of the debt, on the expected annual installment date for this method;
- There is no need to endorse or evaluate credit risk.
How do you hire?
Through the FGTS app or website
- Access to the FGTS App or the FGTS Website;
- In the “Main” area, go to “Licensing of banks”;
- Then tap on “Anniversary Cash Out Loan”, then on “Financial Institutions”;
- Once done, select Cashier and click Confirm;
- In the app or website, it is also possible to refer to the birthday draw values;
- Finally, access IBC – Online Banking Caixa e Mobile or find a Caixa branch.
Through Internet Banking
- On the Internet Banking page, click on the “Credit” option and then choose “Anniversary Saque Anticipation Loan”;
- In the new tab, two buttons will appear: “Simulate” and “Hire”;
- Click on “Simulate” and check the total loan amount, taking into account the balance of the day;
- At the end of the simulation, confirm your registration data, check the rest of the information, enter the electronic password and complete the application;
- After the amount is opened by the FGTS, the contract is confirmed, and the contracted amount will be credited to the worker’s account on the next day.
Through the Caixa Tem . app
- Access to the application using CPF and password;
- Click on the “Borrowing Anniversary” option, where the simulation will be presented according to the scale of the day;
- Press “Contract” to continue and finish or “Change simulation” for new values;
- After the simulation, accept the terms and conditions of the process and finalize the contract.
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