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Workers who have opted for the retirement anniversary modality of the Dismissal Compensation Fund (FGTS) will have access to a new line of credit. The Board of Trustees of the FGTS approved today (5) the resolution, published on April 27 in the Official Gazette, which regulates the credit.
The loan will be guaranteed by the annual fee of the birthday retreat. According to the resolution of the FGTS Board of Directors, Caixa has 30 days, from the date of publication of the resolution, to define the operating procedures to make the operation feasible and banks have another 30 days to offer the loan.
The retirement anniversary is a modality that allows the withdrawal of part of the balance of any active or inactive account of the fund each year, in the month of the anniversary, in exchange for not receiving part of what you are entitled to in case of dismissal without cause. Payment is made according to the schedule by month of birth.
According to the Ministry of Economy, the anniversary of the retirement should create a market of up to R $ 100 billion in receivables in the next four years. Accounts receivable represent the resources that banks can appropriate in the event of default.
The guarantee of receiving part of the FGTS balance in case of default reduces the risks for banks, which may charge lower rates.
The law that created the birthday withdrawal last year already provided for the use of money that would be withdrawn each year as collateral in credit operations. But he still needed regulation.
The Board of Trustees also today approved a resolution that exempts Caixa from sending the FGTS extract on paper, because the document is available on the website, the application and messages by cell phone. If the worker wishes to continue receiving the account statement by mail, they must submit a request to Caixa.
The council also approved a resolution authorizing Caixa to suspend the receipt of quotas to finance basic sanitation projects with FGTS resources, for six months, until October 2020. The suspension will be carried out at the request of the sanitation companies that took the loan . The installments with suspended payment will be diluted during the remaining financing time. The measure aims to reduce the economic effects of the covid-19 pandemic in this sector.
(With content originally published in Agência Brasil)
