In April 2022, the Board of Trustees approved a change in the limit for using the balance of the Fundo de Garantia do Tempo de Serviço (FGTS) so that it could be possible to pay installments related to the home that were also in arrears, increasing the period from three months to one year.
According to the council's authorization that was made public in December, it will be possible to negotiate the payment of up to six overdue installments in 2023, different from the 12 that were in effect last year. Despite the decrease from 2022, the borrower is still in a better situation as the number of months is expected to drop to three.
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As reported, approximately 80,000 citizens with open housing loans are more than three overdue installments, which is considered a serious default. Among these 80 thousand, half have accounts linked to the FGTS.
How to use FGTS to pay installments?
In order to settle the debt arising from the installments, the individual must go to the bank where he made the payment. financing housing and sign an Authorization for Movement of the FGTS Linked Account. In this way, it becomes possible to settle up to 80% of each installment, but being limited to six overdue monthly payments.
It is important to note that this alternative is only available for properties valued at up to R$ 1.5 million. The requirements for using this measure are as follows:
- The worker needs at least three years of contribution to the fund;
- You cannot own another property in the city or metropolitan region where you live or work;
- You cannot have another contracted financing active in the Housing Financial System.
There are some restrictions: those who used the balance of any FGTS account to ease the balance debtor and the number of installments, they will not be able to use the fund to pay installments still in delay. At least not before this break is over. The term is established based on the day of the last settlement or amortization.
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