In current times when we are experiencing a crisis caused by the advent of Covid-19, many Brazilian families are experiencing difficulties, getting through these difficult times and bringing their livelihood to the table at home. In this sense, the government organized and made available some measures in an attempt to assist Brazilian citizens, among these alternatives is the FGTS withdrawal where the worker you can withdraw a percentage, in active and inactive funds.
In this sense, the option to advance up to 3 installments of the withdrawal FGTS anniversary, is a great option for you to achieve reorganize your financial life.
In addition, like the anticipation, comes from own FGTS fund, the level of default is very low, therefore, this anticipation is available even for people who have a low score, are negative or have a dirty name.
With that in mind, today we bring you a tutorial on how request this advance, very quickly and simply, by cell phone.
FGTS Birthday Withdrawal
Before starting, it is necessary to understand how much the citizen will receive FGTS withdrawal. As already mentioned above, the citizen will be able to withdraw part of the FGTS fund. In this sense, the Brazilian worker will be able to withdraw a variable amount, depending on according to the available value in the respective FGTS account.
To explain better, in proportional format, the larger the amount in the Service Time Guarantee Fund account, the lower the withdrawal percentage will be.
See the table below as an example:
| 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$2.900 |
There is a calendar FGTS birthday withdrawal, and those who do not request it in advance can still choose to receive the allowance as scheduled on the following dates:
| Birthday month | Start of payment | Deadline for withdrawal |
| January | January 4th | March 31 |
| February | February 1st | April 30th |
| March | March 1st | may 31st |
| April | April 1st | June 30 |
| May | May 3 | July 31 |
| June | June 1st | August, 31 |
| July | July 1st | September 30th |
| August | August 2 | October 31st |
| September | September 1st | 30th of November |
| October | October 1st | December 31th |
| November | November 1st | January 31, 2022 |
| December | December 1st | February 28, 2022 |
It is worth mentioning that for both cases (advance or participate in the birthday withdrawal), you will need to request. The process is very simple, and can be done by own cell phone application.
FGTS Advance Criteria?
O credit which will be made available through anticipation, comes in accordance with the possibility of values that the Brazilian worker has to redeem, in an amount accumulated during 3 years of the FGTS fund. According to information, the participating worker can withdraw at least R$ 2 thousand reais.
Be aware, however, before making the request, that this process charges some interest rates: Below we list the conditions:
- Interest of 0.99% per month.
- Annual accumulated interest of 12,54%.
- Minimum value of R$ 2 thousand reais.
- Possibility of advance payment up to 3 years.
It is important to say that the interest rates imposed by Caixa Econômica Federal, are among the lowest, compared to personal credit. It is even possible for those who have a negative name.
Request Birthday Withdrawal in Advance
To request the anticipation of FGTS withdrawal, simply carry out the procedure online, using the Internet Banking or from FGTS application.
This way you avoid crowds, ordering from the comfort of your home.
