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Caixa Econômica Federal provided a new function for workers to have access to the values of FGTS. The option refers to the anticipation of the birthday retreat.
The birthday withdrawal came into effect this year and, according to Caixa, around 760 thousand advances have already been made.
Up to three installments can be anticipated, the minimum contracting amount being R $ 2,000. The interest rate on the loan is 0.99% per month and 12.54% per year. In addition to Caixa Econômica Federal, Banco do Brasil also made the new modality available.
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 loan consists of an advance of the amount made available in the month of your birthday. The FGTS balance is used as a guarantee for the operation, providing simplicity and agility to the contracting, ”said Caixa. “Credit is quick and easy, without bureaucracy. All you have to do is access Internet Banking, simulate, hire and use the resource ”, he concluded.
Loan advantages
According to the president of Caixa, the advantages of the loan are the cheapest 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, having at least R $ 2,000 ”, he said.
See:
- Interest per month: 0.99%
- Annual interest: 12.54%
- Minimum loan amount: R $ 2,000
- Up to three years anticipation of the benefit.
- Ease: quick 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
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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.
Join the birthday service
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.
At this time, due to the need for adjustments in the digital channel due to high demand, contracting 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.
