As of 2019, employees who have a salary signed in their portfolio will be able to take a piece of the FGTS benefit on their birthday. Therefore, just like the other various awards, people who are going to receive can predict the total they will receive through their bank. In terms of how much the beneficiary will receive, it all depends on how many points he has accumulated over time. The person who wants to withdraw this money will need to go to the cashier's bank or to the FGTS program itself. See how How to withdraw your FGTS in advance!
How do I find out how much is available in the FGTS?
Firstly, candidates need to download FGTS app to app store or play store. Then, enter the number of your document and to complete the access you must enter a password. However, if you have not registered, you will have to make your first visit to the “Registration” column. However, as soon as you open the app it will tell you how much you have accumulated and it will be visible. It is important to review this option because it shows how much you will be using for withdrawals and what you expect. So everything you need to know about your cashout balance is on this platform.
What is the calculation method for the FGTS forecast?
The total you will get is according to how much time and points you have accumulated up to that point. So if you want to understand how much you will be able to withdraw, you will need to make a small calculation, first take the amount that the platform indicated you had, then multiply it by the total percentage, which is the total that you can withdraw at that moment and then then make the sum with the installment and have the entire amount at the end. See the following example to make it clearer: if the beneficiary has a thousand reais accumulated and can only withdraw forty percent at that moment, consequently he can only withdraw four hundred reais, and he still has 50 reais in extra, that is, 450 reais.
What is the expected interest rate to advance the FGTS?
Interest rates vary from bank to bank, but they are usually one of the cheapest types of credit on the market. Therefore, Caixa Econômica Federal's current monthly interest rate is 1,09%. In other banks, it reaches 2%. This is a form that can be compared with salary deduction credits, prepayment of income tax and 13th salary.
see FGTS withdrawal requirements
There are not many requirements for early withdrawal. However, the only predictable rule is:
The CPF must be formalized at the Federal Revenue Service;
Be at least 18 years old or be released.
Based on the redemption value accumulated in the last 3 years, the worker will be able to withdraw at least 2.000 reais. However, the interest rate will be charged based on the loan granted.
See also:
How to receive the Aid Brazil
Get to know Will Bank and discover the advantages of being a customer
How to make an appointment using the SUS app [Connect SUS]
Is it worth requesting the FGTS withdrawal in advance?
Initially, if you want to exchange high-interest debt, it is worth getting out of the FGTS early. After all, the most recent citizen debt comes from credit cards and overdrafts. So if you're stuck in a debt snowball, it's worth asking for a solution to the outstanding issues. However, for those who want to purchase a new cell phone or any other unwanted product, the withdrawal of this amount is invalid. That's because, even if the interest rate is lower than other credits, when we make money, the interest will be better, not when we have to pay.
What's the best way?
Is there a simple way to predict the withdrawal of resources and somehow get around the restrictions imposed by the Caixa. Everything is within the rules and legal. The Caixa Tem application allows anyone with a positive account balance to make a payment slip. From any bank receipts, electricity bills, water bills, credit cards and bank receipts generated by digital banks. Here comes the trick. When the benefits enter your Caixa Tem savings account, you can make this payment operation by money order. Many digital banks such as Original, C6, Nubank, Inter and Neon offer “bank payment deposit” services.
In short, you generate an invoice that includes the amount to be transferred to a digital account. In the case of Caixa Tem, the maximum limit for payment documents is 600 reais. Therefore, if you are the head of the family and receive aid of 1.200 reais, or are a worker with a balance of more than 1.045 reais in the FGTS, you must fill in two receipts to transfer the total amount. If you don't have a digital bank account, opening one is relatively easy. You don't have to leave the house. The entire process is done over the Internet. You need a smartphone and document photos. Account opening is usually approved on the same day. All in a simple and easy way, to better serve customers
