February 1, 2023

A new change for those with an official contract comes as a gift to the workers

The dream of owning your own home is something that is deeply rooted in the lives of most Brazilians. But now that dream is getting closer to becoming a reality, especially for the citizens FGTS balance (Guarantee Fund for the term of service). The use of resources for housing finance has been known for some time, but with the new rule, interest will cover a wider range of people.

The government finally allowed the use of amounts not yet deposited into linked accounts until capacity for repayment is expanded.

In this way, as you can see in the article News contestslike FGTS balance With future resources, the contractor will find it much easier to acquire a property. This method has earned the name of future payroll or FGTS.

How do payroll or future FGTS details work?

From April 2023, families included in Group 1 of the popular Casa Verde Amarela program will be able to finance real estate using the scale With future FGTS values. The amount will consist of monthly deposits, which are equal to 8% of the employee’s earnings, provided by the company.

Thus, citizens with a maximum gross monthly income of R$2,400 will increase their ability to pay. Thus, the value of the contracted premiums increases. Consider the example of a fictitious family whose monthly income is R$2,000.00. In this way, one has:

  • Current installment amount – R$450.00;
  • value using FGTS sent/ Future – R$600.00.

Approximately 10.9 million Brazilian citizens fall into this income bracket. However, they can benefit. It is worth noting that the name of the program Casa Verde Amarilla will soon be changed to Minha Casa, Minha Vida.

What do you expect from the way you predict FGTS balance?

CEF (Caixa Econômica Federal) intends to organize the operation of the method later this month so that the process will begin effectively in April. This means that future payroll / FGTS will likely come into effect within 90 days after the rules are published.

It is important to understand this by bargaining FGTS balance which did not exist until now, the worker will no longer be allowed to withdraw amounts in the event of dismissal without valid reason. In cases of assignment, citizens will be required to renegotiate all installments, because they will no longer be able to rely on monthly deposits from the Guarantee Fund.

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