FGTS: Caixa offers credit that allows early withdrawal of anniversary funds
Caixa Econômica Federal president Pedro Guimarães predicts that approximately R$1.5 billion will be loaned through the new credit line to one million people. Caixa has brought forward the payment of three installments of the Severance Indemnity Fund (FGTS), in the modality that began in 2020, known as anniversary withdrawal.
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The advance payment with guaranteed online payment of the anniversary withdrawal loan was released now, in the month of August.
"The loan consists of an advance on the withdrawal amount available in the month of your birthday. Your FGTS balance is used as collateral for the transaction, making the process simple and agile," Caixa announced.
By bringing forward the anniversary withdrawal, workers will have up to 3 years to pay the resource for credit in the minimum amount of R$ 2,000,000.
This way, the amount will be released digitally, without the need to go to a Caixa branch, according to Pedro Guimarães.
The bank is offering a very attractive interest rate of 0.99% per month for loans to individuals.
"Credit is quick and easy, with no red tape. Simply access Internet Banking, simulate, sign up, and use the loan," according to Caixa.
Advantages of the FGTS loan
The main advantage is the interest rates, which are very low for individuals, 0.99% per month.
"You can advance one, two, or even three years. And the amount also varies, up to the balance limit, with a minimum of R$2,000," Caixa president Pedro Guimarães said in a live broadcast.
- Interest per month: 0.99%;
- Interest per year: 12.54%;
- Minimum loan amount: R$ 2 thousand;
- Advance payment of up to three years of benefit;
- Ease: Quick and easy credit;
- Practicality: Automatic payment in a single installment;
- Speed: Money in the account the day after signing the contract;
- Convenience: It doesn’t weigh on your budget as there are no monthly payments;
Requirements to obtain a loan using the FGTS
- Be over 18 years of age or emancipated;
- Have a savings account or current account at CAIXA;
- Have a CPF in good standing with the Federal Revenue Service.
How to apply for a line of credit?
The worker can contract the advance of the anniversary withdrawal through the computer using the FGTS application, all digitally.
