How to get a birthday withdrawal loan? Find out now!

Learn all about how to apply for an anniversary withdrawal loan. We've put together the key information so you can sign up today!

What is an anniversary withdrawal loan?

First of all, it is interesting to highlight what is the anniversary withdrawal.

In this sense, know that whoever requests this modality can make withdrawals throughout the year from FGTS accounts, whether inactive, which is from a previous job, or active, from their current job.

Therefore, you will not receive the entire amount in your account, but rather a percentage that varies according to what is available.

For example, for accounts with up to R$ 500, you can withdraw 50% of the account value.

This means that the higher the account value, the lower the percentage you can withdraw annually.

We should also highlight that the anniversary withdrawal is not mandatory, you can choose whether to withdraw or not.

Otherwise, it is worth clarifying the following question:

When can I make my birthday withdrawal??

From the first day of your birthday month, the amount will be available for withdrawal, with the maximum date being the last business day of the second subsequent month.

For example, if your birthday is February 2nd, you will have from February 1st until April 30th to withdraw the money.

And if the withdrawal is not made, the amount automatically returns to the FGTS account.

Speaking now about the anniversary withdrawal loan, know that this version is completely different from the traditional one, in which the amount is only available in the event of retirement or dismissal without just cause.

Furthermore, customers who request an advance payment can count on receiving the full amount even before their birthday month, something we will understand in detail in the topic of “Best anniversary withdrawal loan options”.

Who can hire?

If you are a formally employed worker and have money in your FGTS, you will be free to request a birthday withdrawal.

Therefore, the minimum value is R$ 500, defined in a table established by the Federal Government, understand the information below:

Balance of up to R$ 500 – rate of 50% and without any additional installment;
From R$ 500.01 to R$ 1,000.00 – 40% and installment of R$ 50;
Between R$ 1,000.01 and R$ 5,000.00 – 30% and installment of R$ 150;
Balance of R$ 5,000.01 to R$ 10,000.00 – 20% and additional installment of R$ 650;
From $ 10,000.01 to R$ 15,000.00 – 15% and the installment of R$ 1,150;
Between R$ 15,000.01 and R$ 20,000.00 – 10% and installment of R$ 1,900;
Greater than R$ 20,000.00 – 5% and additional installment of R$ 2,900.

Therefore, let's suppose you have R$ 6,500 in your guarantee fund, the rate is 20%.

Thus, we need to calculate 20% of R$ 6,500 = R$1,300, in addition to the additional portion of R$ 650, totaling R$ 1,950 (1300+650).

What are the advantages and disadvantages?

As a benefit of having this modality, know that you can apply the value redeemed in some financial product that offers better profitability.

Another interesting advantage is that workers who have a good balance in their FGTS account can request advance payment anniversary withdrawal through assigned credit.

This advantage allows the worker to come renegotiate or pay off your debts, as well as investing in a dream trip, depending on your priorities.

On the other hand, we must talk about the disadvantages of using this modality:

Initially, know that the FGTS will be limited, considering that it is not possible to withdraw the total amount from the account in the event of dismissal without just cause.

This means that if you are fired, you will not receive all the money because you are only entitled to the 40% fine, in addition to the advance notice, proportional vacation, etc.

Another type of disadvantage is that you cannot give up immediately.

Those who requested the anniversary withdrawal loan and give up, they return to the severance pay only in case of dismissal after a period of 2 years.

For example, if you apply for the modality in 2021, reevaluate, note that it is not advantageous in your case and withdraw in the same year, only in 2023 will you be able to withdraw the total amount available in case of dismissal.

However, please note that during these 2 years of waiting for the return of the old model, it is possible to withdraw the annual installments.

Therefore, let us clarify a common doubt:

Is it worth getting the anniversary loot?

Well, an interesting tip is that you consider the possibility of unfair dismissal.

In this scenario, would you be able to cover your expenses?

If the answer is yes, get the anniversary withdrawal loan It is a good alternative, since you have a financial reserve.

Otherwise, this modality may not be suitable because if you are fired, you will need the FGTS amount.

How to hire?

Before anything else, know some of the basic requirements to apply for this modality:

Be over 18 years of age or emancipated;
Have a savings or checking account;
Allow the bank to access the values and all FGTS data;
Have your CPF in good standing with the Federal Revenue Service;
Have a balance in your FGTS account.

If you meet all the requirements, enable the anniversary withdrawal using the FGTS application (click on one of the links to download it to your IOS or Android).

It is also possible to enable by FGTS website, but only with the use of a digital certificate.

Best anniversary withdrawal loan options

Well, to obtain the credit itself, you need to choose a financial institution to request the advance.

By advancing, you can take the money immediately and pay off the loan with the amount of the FGTS anniversary withdrawal.

This means that the worker anticipates the withdrawal of up to 3 cycles and contracts a credit operation for each cycle.

In fact, this is a line of credit that does not compromise your monthly budget with installments.

Thus, the anniversary withdrawal loan It serves as an option to organize your financial life, receiving the amount before your birthday month to pay off debts, for example.

Several banks are authorized to provide this modality, each with its own conditions and advantages.

Below, we will explain how the request works at Banco Pan, Caixa and Banco do Brasil, as well as some additional information.

How to take out a birthday withdrawal loan Banco Pan?

Immediately after requesting the anniversary withdrawal, you must allow Banco Pan to view your FGTS balance.

This way, through the Pan digital account app itself, you will be directed to the FGTS app in order to authorize the bank, understand how it works:

Access the Pan app and click on the “loan” section in the menu.

In the “learn about the loan that uses your FGTS” section, select the “I want to know more” option.

Tap "Go to the FGTS app," choose the anniversary withdrawal, and click "Authorize banks to consult your FGTS."

Search for Pan, return to the bank app, and follow the steps to apply for credit.

Thus, according to Diogo Ciuffo, Director of Digital Banking and Payment Methods at Banco PAN, "In addition to a very competitive rate, below market rates, we are making all of this available within our app, quickly and without bureaucracy."

We should also highlight that hiring is only permitted for customers with a minimum balance of R$ 500 in the FGTS.

Once signed, the funds can be used however you prefer, whether for travel, home renovations, or paying off debts.

Amount released	Not informed
Number of installments	3 annual installments
Fees	1,99% per month
Release time	1 of the useful

BOX

To hire the anniversary withdrawal loan through Caixa Econômica Federal, you must sign up for the anniversary withdrawal using the bank's app (IOS or Android), the FGTS app or CAIXA Internet Banking.

Then, allow the bank to consult all your FGTS data using the channels above or by visiting a physical agency.

Check the available amount and request an advance through your preferred channel.

After the request, it is necessary register your electronic signature and receive the money in your account the next day.

It is worth noting that Caixa Econômica will block the amount in the FGTS account to guarantee payment of the credit.

Amount released	Not informed
Number of installments	3 annual installments
Fees	0.99% per month
Release time	1 business day

How to take out a birthday withdrawal loan Bank of Brazil?

On the other hand, to obtain the anniversary withdrawal loan through BB, authorize the bank to consult your information.

To do this, access the FGTS app and click on “main” > “authorize banks” > “anniversary withdrawal loan” and “financial institutions”.

After selecting Banco do Brasil, check the amount available for withdrawal and the year of each installment you wish to advance.

In the first year, the maximum value is the expected installment and in subsequent years, the maximum is the current installment value.

Therefore, visit the Banco do Brasil app and in your account, click on the main menu > loans > advance your credits and finally on “CDC FGTS Saque Aniversário”.

For each installment you intend to pay in advance, it is important to repeat the following steps:

Indicate the installment amount and the due year;
Confirm the amount you wish to advance, between R$1,000.00 and the calculated maximum, check the conditions and confirm the proposal;
Wait until the proposal is confirmed.

Therefore, the balance linked to the advance payment will be blocked to guarantee payment of the loan.

And if the bank is not authorized to perform the block, be aware that your proposal will be denied.

It is worth noting that the company allows credit to be taken out through the BB call center.

Therefore, call the telephone number 0800-7294117 if you live in capital cities or metropolitan regions.

Customers from other locations should call the following number: 4003-4117.

The request is also made at one of the physical agencies, so you can click here to find the one closest to your home.

Amount released	Not informed
Number of installments	3 annual installments
Fees	From 0.99% per month
Release time	1 business day

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Valor Notícias Content Team 11 de August de 2021