[ad_1]
A Federal Economic Fund advance payment of Service Guarantee Fund (FGTS), in the modality that came into force in 2020, the so-called birthday withdrawal. This month, this new option can be presented as an online loan guarantee.
“The loan consists of an advance of the amount made available in the month of your birthday. HE Balance FGTS it is used as a guarantee of the operation, providing simplicity and agility to the contracting ”, said Caixa.
Workers will have up to three years of payment of the credit resource in the minimum amount of R $ 2,000. According to the president of Caixa, Pedro Guimarães, the money will be delivered digitally, without the need for the worker to go to an agency.
The interest rate, according to the bank, is quite attractive: 0.99% per month, between loans to individuals.
“Credit is quick and easy, without bureaucracy. All you have to do is access Internet Banking, simulate, hire and use the resource ”, said the bank.
Advantages of the loan
According to the president of Caixa, the benefits of the loan are cheaper interest rates for individuals, 0.99% per month.
“You can anticipate one, two and even three years. And the amount is also varied, up to the limit of the balance, with a minimum of R $ 2,000 ”, he said live.
- Interest per month: 0.99%
- Annual interest: 12.54%
- Minimum loan amount: R $ 2,000
- Up to three years anticipation of the benefit.
- Ease: fast and easy to contract credit
- Practicality: One-time and automatic payment
- Speed: Money in the account the day after hiring
- Comfort: It does not weigh on the budget because there is no monthly fee
Requirements
- Be over 18 or emancipated
- Have a savings account or checking account at CAIXA
- Be with CPF in a regular situation with the IRS
How to contract the line of credit?
According to information from Caixa, the worker may hire the Anticipation Retirement Birthday FGTS “Wherever you are, in the palm of your hand or on your computer, completely digital,” said the bank.
You may also like:
Join the birthday swag
Register in CAIXA Internet Banking, CAIXA application or FGTS application and indicate CAIXA. Check the amount to which you are entitled.
Hiring
It is possible to contract through the branch network and also through CAIXA Internet Banking.
Right now, due to the need for adjustments to the digital channel due to high demand, recruitment is being carried out only in the branches. They will soon be available again through Internet Banking and the CAIXA application.
Money in the account
CAIXA blocks the balance in the FGTS account for guarantee purposes and releases the prepayment amount in your account the next day.
Demand
The contracting of the new loan modality began on July 27. Caixa Econômica Federal foresees a high demand for the service, since about 6.1 million people joined the birthday retreat.
760 thousand payroll credits with FGTS
Caixa Econômica Federal granted payroll loans to a total of 760,000 workers using the FGTS (Seniority Guarantee Fund) as collateral, according to the Secretary for Economic Policy of the Ministry of Economy, Adolfo Sachsida.
Furthermore, according to the secretary, on September 15, the guaranteed volume was approximately R $ 2.2 billion.
“I spoke with Caixa a while ago and they informed me that 760,000 workers made use of the payroll deductible credit guaranteed by the FGTS. This new type of credit totaled R $ 2.2 billion in guarantees ”, said the head of the SPE. “We are boosting the FGTS payroll market. It is a more stop form for the consumer. I invite other banks to do the same ”, he added.
The use of withdrawals from the FGTS as collateral for loans in the market is foreseen in the new benefits rules, which were approved by Congress last year and created the modalities of anniversary withdrawal and immediate withdrawal.
See also: FGTS up to R $ 1,045 RELEASED for those born from January to November; look who receives
