A Federal Savings Bank Released the advance payment of the Service Guarantee Fund (FGTS), In the modality that came into force in 2020, the so-called birthday withdrawal. In the month of October, the new option for workers could come forward as an online loan guarantee.
Workers have to pay up to three years of the device Credit in the minimum amount of R $ 2000. According to Caicos president Pedro Gimaraes, the money will be released digitally without the worker having to go to an agency.
“The loan consists of an advance payment of the amount due in your month of your birthday. O FGTS balance It is used as a guarantee for the operation, which brings simplicity and agility to the contracting “, said Caixa.
According to the bank, the interest rate is quite attractive: 0.99% per month between loans to individuals.
“Credit is quick and easy, without bureaucracy. Only access internet banking, simulate, rent and use the device “, said the bank said.
Advantages of the loan
According to the president of Caixa, the benefits of the loan are cheaper interest for people, 0.99% per month.
“You can expect one, two and even three years. “The amount is also varied, up to the balance of the balance, with a minimum of R $ 2000”, he said in life.
- Interest per month: 0.99%
- Interest per annum: 12.54%
- Minimum loan amount: R $ 2000
- Anticipation of up to three years.
- Ease: Quick and easy to borrow credit
- Practicality: automatic and single payment
- Speed: Money on the account a day after hiring
- Convenience: Can not about the budget because there is no monthly payment
- Be over 18 or emancipated
- Have a savings account or checking account in CAIXA
- Be with CPF in a regular situation at the IRS
How to lease the credit line?
According to information from Caixa, the worker can hire the Anticipation withdraw birthday FGTS Where you are, in the palm of your hand or on your computer, in a fully digital way, said the bank.
Join the birthday prey
Register for CAIXA internet banking, CAIXA app or FGTS app and indicate CAIXA. Check the amount you are entitled to.
It is possible to contract through the branch network and also through CAIXA internet banking.
Right now, because of the need for adjustments to the digital channel, because of the high demand, leases are only in the branches. Soon they will 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 amount of prepayment in your account the following day.
The contracting of the new loan modality started on 27 July. Caixa Econômica Federal forecasts high demand for the service, since about 6.1 million people signed up for the birthday withdrawal.
Loans payable with FGTS
Until September, Caixa Econômica Federal had loans for a total of 760,000 workers with the FGTS (Guarantee Fund for Length of Service) as guarantee, according to the Economic Policy Secretary of the Ministry of Economy, Adolfo Sachsida.
According to the secretary, the guaranteed volume on September 15 is approximately 2.2 billion dollars.
I spoke with Caixa a while ago, and they informed me that 760 thousand workers have used this credit with payment with the FGTS guarantee. The new credit type of guarantees is at $ 2.2 billion, said the head of SPE. We promote the FGTS payroll market. It is a more stopped way for the consumer. I invite other banks to do the same, ”he added.
The use of FGTS withdrawals as a guarantee for loans in the market is provided in the new benefit rules, which were approved by Congress last year and created the possibilities of anniversary withdrawal and immediate withdrawal.
See also: 12 FGTS deposits of up to R $ 1,045 are released in the accounts of the workers