FGTS loan best interest rate

Finding an FGTS loan with the best interest rate is an excellent option for those who need money.

And, it's worth considering that the possibility of low interest rates makes the deal even more advantageous.

But how can you find the best loan option? What options are available on the market? 

If you want to join, but are dealing with these doubts, don't worry, because in today's article we can help you.

So, to learn all about this type of loan, and also discover some good options, keep reading! 

What is the FGTS Loan?

The FGTS loan is a type of credit that has recently emerged.

In it, the bank anticipates the balance of FGTS in up to 10 years, through the anniversary withdrawal option.

The anniversary withdrawal is an alternative for those who want to obtain part of the balance of their guarantee fund.

In this alternative, a percentage of the amount is released once a year.

And, in fact, this helps a lot, since the FGTS balance can only be withdrawn on very specific occasions.

But as much as it helps, the fact that it only releases a percentage of the total balance is not that interesting for most people.

Considering this difficulty, banks created the FGTS loan, through which it is possible to receive up to 10 years of these installments in advance.

Among the advantages of the FGTS loan, we can highlight the fact that there are no bills to pay.

This is because the payment of loan installments is made automatically, directly from the FGTS account.

For this reason, this is the best alternative for those who want a loan that doesn't compromise their income.

In addition to this advantage, we have some others: 

• Possibility of taking a larger amount at once;
• There is no need to present anything as collateral;
• Easy payment;
• Lower interest rates than other types of loans;
• Even those with bad credit can join. 

So, with everything we've highlighted, it's easy to understand the interest in the FGTS loan with the best interest rate, right? 

Who can request this modality?

The fact that the FGTS loan offers the convenience of not compromising income to pay installments makes many people interested.

After all, besides interest, one of the main factors that scare people about loans is the high installments.

So, a loan without installments is the ideal option.

However, it is worth mentioning that this modality has some rules, which make the request limited.

The main rule is that the person must have a balance in the FGTS account.

Each banking institution determines the amount, but most ask for a minimum of R$$ 300.00.

In addition, the applicant must have opted for the anniversary withdrawal.

Finally, some banks still require the applicant to be a current account holder, so it's worth keeping an eye on this.

As we have seen, there are not many rules, and they are not that difficult to follow.

So, we can also consider that the FGTS Loan with the best interest rate is a very popular alternative! 

What is the interest rate?

Another point to highlight regarding the FGTS loan is precisely the interest.

This is because, as we have already seen, the payment of installments is guaranteed through the balance in the FGTS account.

For this reason, the interest rates for this modality are usually lower, as there is greater payment guarantee.

The application of interest is specific to each institution, so each one decides the rate applied.

But taking a general average, rates range from 1.49% am to 2.05% am.

Therefore, the interest rate is not high when compared to other modalities.

 However, we cannot fail to consider that it varies greatly depending on the creditor.

Therefore, it is essential that you do thorough research in order to find the best FGTS loan interest rate.

Discover the best interest rate FGTS loan market options 

In the previous topic, we were able to conclude that the interest rate applied to the FGTS loan varies greatly.

Therefore, it is necessary to find options in order to find the one that offers the best conditions.

The good news is that we have already prepared this for you.

Below we will see 5 options for lenders that offer the best FGTS loan interest rates.

1. Inter Bank 

Banco Inter is one of the most important digital banks on the market.

Among the advantages of Inter, we can highlight the fact that the money is deposited quickly into the account.

When it comes to fees, the institution charges 2,05% am, being the most expensive of all the alternatives. 

2. C6 Bank

C6 Bank is a bank that has been growing significantly in the digital world and offers an extensive range of services.

One of these services is the FGTS loan, and with C6 you can pay 1,69% in fees per month. 

This is an average value considering our list. 

3. BV Bank 

Banco BV is a very interesting alternative, as the company prioritizes a good relationship with its customers.

And this is reflected in the rates applied, since the FGTS loan can come out with rates starting at 1.49% am. 

4. Banco Pan 

Banco Pan is a digital bank that offers a wide range of services.

And best of all, this is a reputable institution, which makes trading safer.

The interest rate applied by Pan is 1.49% am, being one of the cheapest on our list. 

5. Federal Savings Bank

For those who don't want to give up their relationship with a traditional bank, Caixa Econômica Federal may be a good option.

And the best part is that the interest rate applied is very competitive: 1.79% am. 

Precautions when applying for the FGTS loan with the best interest rate 

And finally, we cannot fail to mention the necessary precautions when applying for the FGTS loan with the best interest rate.

As we have seen, the rates are low, and the payment terms are very attractive.

However, we cannot fail to consider that the use of FGTS requires some care.

This is because the FGTS is a deposited amount that serves as a reserve for the worker on some occasions.

The main one is unexpected unemployment.

Therefore, using your FGTS balance for a loan may leave you without the money if you need it.

Therefore, it is essential that you adhere to this modality in a careful and planned manner.

With that in mind, there is no longer any reason to worry.

So, now that you know the best options, be sure to check out the one you like best!