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Caixa Econômica Federal and Banco do Brasil confirmed that they will provide a new option to use the Seniority Guarantee Fund (FGTS). This is a loan guaranteed by the retirement-anniversary modality.
This modality allows the annual withdrawal of part of the available balance in active and inactive FGTS accounts, always in the month of the worker’s birthday. Whoever chooses the spoils-birthday loses the right to withdraw in case of unfair dismissal.
According to the director of the Department of Fund Administration of the Ministry of Economy, Gustavo Tillmann, five financial institutions are already authorized to make credit available to their clients.
The guaranteed birthday retirement loan option will also ease conditions for private company workers. At first, only civil servants could take out payroll loans with a more affordable interest rate.
While the amounts referred to payroll loans for the public sector reached R $ 230 billion in May, the private sector moved a much lower amount with these operations, of R $ 23.8 billion in the same period. According to Tillmann, with the guarantee of the birthday withdrawal, it will be possible to popularize access to this type of operation.
How to apply for the guaranteed birthday retirement loan?
To request the loan with the FGTS retirement-anniversary guarantee, it is necessary to have chosen this modality. Membership can be done until the last day of your birth month.
The credit application must be made through the FGTS application, selecting the option for the loan. Then, simply inform the bank of your choice to carry out the operation.
Anticipation of FGTS fees
Caixa reported that, in total, 5.3 million people opted for the withdrawal of the anniversary of the FGTS. Thus, the amount to be distributed in this mode will be approximately R $ 6.7 billion per year.
Caixa recently launched another credit option for its clients. Those who requested the birthday withdrawal may anticipate the payment of up to 3 FGTS installments. The balance will be used to guarantee the operation.
In this modality, the minimum loan amount will be R $ 2,000. The payment can be made in up to 3 years and the interest rate is 0.99% per month. The advance payment of fees can be requested through Caixa’s digital channels.
Also read: Scholarship of R $ 600 and emergency withdrawal from the FGTS: Check the payments for the week
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