Due to the pandemic caused by Covid-19, many Brazilians are having trouble returning to work, which tends to mess up their personal finances and delay their monthly bills. In this sense, the government made a measure available, where the worker can advance part of the FGTS fund.
In this way, the Brazilian working citizen can advance up to 3 installments of the FGTS anniversary withdrawal.
This option, as it is a fund managed by Caixa, has a very low level of default, thus enabling the advance payment can be requested even by people with a negative name, low score or defaulters.
FGTS Birthday Withdrawal
The anniversary withdrawal allows the withdrawal of a variable percentage, according to the fund 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$2.900 |
For those who do not opt for the anticipation, they can only choose to receive the birthday serve, on the dates mentioned below:
| Birthday month | Start of payment | Deadline for withdrawal |
| January | January 4th | March 31 |
| February | February 1st | April 30th |
| March | March 1st | may 31st |
| April | April 1st | June 30 |
| May | May 3 | July 31 |
| June | June 1st | August, 31 |
| July | July 1st | September 30th |
| August | August 2 | October 31st |
| September | September 1st | 30th of November |
| October | October 1st | December 31th |
| November | November 1st | January 31, 2022 |
| December | December 1st | February 28, 2022 |
In both cases, whether it is an advance payment or a birthday withdrawal, you will need to request it via your cell phone application (avoid the crowds at Caixa branches), request it on your cell phone, it is very simple.
Criteria for anticipating FGTS
As it is an advance credit, Caixa makes it available at a small interest rate, the interest rates of this FGTS anticipation, are classified as “low rates”.
- Interest of 0.99% per month.
- Annual accumulated interest of 12,54%.
- Minimum value of R$ 2 thousand reais.
- Possibility of advance payment up to 3 years.
O credit is possible even for negative people, with a low score, or with a name registered with Serasa or SPC.
Request FGTS Advance
The citizen who wants request advance withdrawal of FGTS, you must follow the following procedures mentioned below.
Get in on “My FGTS” application, and sign up using the Birthday Withdrawal option:
- Enter the FGTS App, or the Caixa Econômica Federal website;
- Access “My FGTS”;
- Click on the “birthday withdrawal” option;
- Then, read carefully and agree to the terms and conditions, clicking on “join Saque Aniversario”.
After opt for advance membership, simply enter the application or Internet Banking, and follow the steps below:
- select “line of credit”
- Write the number of installments you wish to anticipate; with the respective values;
- Carry out the simulation;
- Choose “hire”;
- Make the electronic signature;
- That's it, just complete the process and keep the receipt carefully.
services
For more information, visit the website of Caixa Econômica Federal.
