Early FGTS withdrawal: receive up to 10 years of withdrawals in one go
O early FGTS withdrawal is a credit option that offers numerous advantages, which is why it has become so popular among Brazilians.
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Among the advantages, we can highlight the possibility of obtaining credit without worrying about installments, since these are deducted directly from the FGTS account.
What's more, this is the ideal option for those who have no credit, as it doesn't require a credit analysis - all you need is an available FGTS balance.
Today we're going to explain more about this proposal so that you can decide if it's the right option for you, so don't miss out!
Frequently asked questions
This is a relatively new modality and consists of anticipating some installments of the FGTS anniversary withdrawal modality.
With the anniversary withdrawal, you can withdraw 30% of the total balance in your FGTS account once a year, in the month of your anniversary.
This type of loan anticipates the withdrawal by up to 10 years, so you can withdraw a large part of the amount in one go.
These range from traditional banks such as Caixa Econômica and Itaú to digital banks such as Inter and C6 Bank.
That's why it's a good idea to research the best interest rate, since there are so many options on the market.
For this reason, it is crucial that applicants sign up for this type of withdrawal directly on the FGTS app.
However, the general proposal is to be able to anticipate up to 10 years of anniversary withdrawals, although this time varies according to the bank.
Remember that the balance of the FGTS account serves as collateral for the loan, so it cannot be greater than the amount available in the account.
Each bank determines the rates applied, which usually range from 0.99% p.m. to 1.79% p.m.
That's why it's important to do your research before signing a contract, in order to find the most advantageous offer on the market.
Money tight? Find out about early FGTS withdrawals
Only those who have lived through the experience of being in debt, needing money and having no access to credit know what desperation feels like.
And if you're in this situation, don't worry, the early FGTS withdrawal could be your solution.
This is because this type of loan does not require credit analysis.
The reason for this is that the only guarantee required is the value of the FGTS account.
So, as long as you have the money available, you can apply for your loan and have a high chance of approval.
In this modality, the bank anticipates some installments of the birthday-draw modality.
The birthday withdrawal mode consists of withdrawing 30% of the total account balance once a year, in the month of the account holder's birthday.
With this loan you can anticipate up to 10 years of this withdrawal, being able to take it all at once.
Best of all, you don't have to worry about paying it back, as the loan is deducted directly from your FGTS account.
What's more, the interest rates are very low, since the balance itself serves as a guarantee of payment.
So, if you need a loan that's easy to approve, has significant amounts and is easy to pay back, the FGTS early withdrawal is the ideal proposal!
