Due to the pandemic caused by covid-19, several Brazilians are having problems returning to work, which usually messes up personal finances, and delays the month's bills. In this sense, the government made available a measure, where the worker can advance part of the FGTS fund.
In this way, the Brazilian worker citizen can anticipate up to 3 installments of the FGTS anniversary withdrawal.
This option, as it is a fund managed by Caixa, has a very low default level, thus enabling the anticipation can be requested even by people with a negative name, low score or defaulters.
FGTS Anniversary Withdrawal
The anniversary withdrawal allows the withdrawal of a variable percentage, according to the fund of the FGTS of the respective worker. In this sense, the greater the amount in the Guarantee Fund, the lower the withdrawal percentage will be, check the following criteria:
| Up to R$ 500.00 | 50% | – |
| From R$ 500.01 to R$ 1,000.00 | 40% | R$50 |
| From R$ 1,000.01 to R$ 5,000.00 | 30% | R$150 |
| R$ 5,000.01 to R$ 10,000.00 | 20% | R$650 |
| R$ 10,000.01 to R$ 15,000.00 | 15% | R$1.150 |
| R$ 15,000.01 to R$ 20,000.00 | 10% | R$1.900 |
| Above 20,000.01 | 5% | R$2.900 |
For those who do not opt for the anticipation, can only choose to receive the birthday loot, on the dates mentioned below:
| Birthday month | Start of payment | Deadline for withdrawal |
| January | january 4th | March 31 |
| February | 1st of february | April 30th |
| March | March 1st | may 31st |
| April | april 1st | June 30 |
| May | May 3 | July 31 |
| June | 1st of june | August, 31 |
| July | 1st of july | September 30th |
| August | August 2 | October 31st |
| September | 1st of september | 30th of November |
| October | October 1st | December 31th |
| November | November 1st | January 31, 2022 |
| December | december 1st | February 28, 2022 |
In both cases, whether in advance or birthday withdrawal, you will need to request via mobile app, (avoid the agglomerations of Caixa agencies), request by mobile, it's very simple.
Criteria for anticipating the FGTS
As it is a credit advance, Caixa makes it available through a small interest rate, the interest rates of this advance of FGTS, are classified as “low rates”.
- Interest of 0.99% per month.
- Annual accrued interest of 12,54%.
- Minimum value of R$ 2 thousand reais.
- Possibility of anticipation up to 3 years.
O credit is possible even for negative people, with a low score, or with a name registered in Serasa or SPC.
Request FGTS Advance
The citizen who wants request the advance of the FGTS withdrawal, you must follow the procedures mentioned below.
Get in on “My FGTS” application, and join using the Anniversary Saque option:
- Enter the FGTS App, or the Caixa Econômica Federal website;
- Go to “My FGTS”;
- Click on the “Birthday Withdrawal” option;
- Next, read carefully and agree to the terms and conditions, by clicking on “join Saque Aniversário”.
After opt for membership of anticipation, just enter the application or Internet Banking, and follow the steps below:
- select “line of credit”
- Write the number of installments you want to anticipate; with the respective values;
- Run the simulation;
- Choose “hire”;
- Electronic signature;
- Ready, just complete the process and save the receipt carefully.
services
For more information, visit the website of Federal Savings Bank.
