Through the FGTS, the worker has a mechanism that will work as a kind of insurance. Thus, in cases of dismissal or need, the amount can be requested. In addition, it is possible to request the withdrawal on odd occasions, in addition to being able to advance it, so see here how to anticipate FGTS as a loan.
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How does the anticipation of the FGTS work?
In general, the FGTS installments are available to the worker in cases of dismissal without just cause or in emergency situations. But that's not all, since the worker can also carry out the birthday withdrawal, which is the availability of the installment in the month in which one more year of life is completed.
In this case, those who opt for the anniversary withdrawal must bear in mind that they will not be able to terminate the withdrawal in the event of dismissal without just cause. Still, it can be a good way to get the money that is rightfully yours at a time when you need it.
In addition, the worker is also allowed to choose to anticipate the birthday withdrawal by the equivalent of 3 years of the amount that is usually withdrawn annually. Here, there will also be the impossibility of requesting the withdrawal-termination, and it will work as a loan, as the worker will need to replace this amount at an interest rate of 1.49% per month.
How to apply for FGTS advance?
The FGTS advance process will take place through Caixa Econômica Federal. In addition, to get the withdrawal, you must first have an amount in your FGTS account, that is, be over 18 years old and have worked with a formal contract with a salary discount for the FGTS account. Then, the following steps must be followed:
- Download the Caixa Econômica Federal application and access your personal account through the login;
- Then, click on the “Credit” option and then on “Birthday-Withdrawal Anticipation Loan”;
- Then, simulate the amount available and the payment installments by clicking on “Simulate”;
- Finally, click on “Hire” to anticipate the FGTS with the conditions that were defined in the simulation.
