The FGTS withdrawal is an excellent opportunity for those who need money, whether to eliminate financial debts or to carry out a plan.<\/p>\n\n\n\n
For this reason, it is important to understand when it is possible to withdraw funds from the account, whether the total or partial amount.<\/p>\n\n\n\n
This is because we know that conventional FGTS withdrawals only occur on very specific occasions, but there are currently interesting alternatives.<\/p>\n\n\n\n
And that\u2019s exactly what we\u2019re going to talk about today, so don\u2019t miss it!<\/p>\n\n\n\n
Before we talk about FGTS withdrawals, it is important to understand what the Severance Pay Guarantee Fund is.<\/p>\n\n\n\n
The FGTS is a type of benefit provided for in the rules of the CLT regime, and in practice it works as a reserve for the worker.<\/p>\n\n\n\n
This reserve is intended to provide greater financial stability in the event of unexpected job loss.<\/p>\n\n\n\n
And by \u201cunexpected manner\u201d we refer to dismissals without just cause decided by the employer.<\/p>\n\n\n\n
The deposit of this reserve must be made into the worker's FGTS account monthly, in the amount corresponding to 8% of the salary.<\/p>\n\n\n\n
There are two main ways to withdraw this balance: through termination withdrawal or anniversary withdrawal, which we will understand in detail later on how they work.<\/p>\n\n\n\n
We previously explained that there are two main ways to withdraw FGTS, the most common being the termination withdrawal.<\/p>\n\n\n\n
In withdrawal-termination<\/strong> It is possible to withdraw the total balance from the account immediately after the termination of the employment contract.<\/p>\n\n\n\n However, in this modality, withdrawal is only permitted in the event of dismissal without just cause, so that if there is a request for resignation or an obvious reason for termination of the contract, the balance is blocked.<\/p>\n\n\n\n In this case, it will only be possible to withdraw the amounts in the event of specific releases by the Government, or on the following occasions:<\/p>\n\n\n\n Property purchase:<\/strong> the FGTS balance can be used to pay off part of the real estate financing;<\/p>\n\n\n\n Retirement:<\/strong> Upon obtaining retirement from the INSS, citizens have the possibility of withdrawing amounts from their FGTS account.<\/p>\n\n\n\n The last option for withdrawing FGTS is birthday withdrawal<\/strong>, which allows the withdrawal of 30% of the total value of the account once a year, in the month of the holder's birthday.<\/p>\n\n\n\n For this modality, you must sign up in the app, remembering that when you sign up for the anniversary withdrawal, you automatically give up the termination withdrawal.<\/p>\n\n\n\n Previously, we saw the main alternatives for making FGTS withdrawals, and it was possible to understand that there are two main modalities: termination withdrawal and anniversary withdrawal.<\/p>\n\n\n\n And, the difference between both modalities is that in the case of withdrawal-termination you can withdraw everything at once, but you need to wait for the termination of the contract, and this must comply with the rules.<\/p>\n\n\n\n In the case of the anniversary withdrawal, you do not need to wait, as you can withdraw part of the amount every year, but this withdrawal occurs gradually.<\/p>\n\n\n\n Furthermore, it is important to highlight that when you join one modality you automatically give up the other.<\/p>\n\n\n\n This means that when you sign up for the anniversary withdrawal, you cannot withdraw all the amounts from the account in the event of termination of employment.<\/p>\n\n\n\n So, both options have advantages and disadvantages, so it's important that you decide what makes the most sense for your life.<\/p>\n\n\n\n Do you prioritize stability or the ability to withdraw funds frequently?<\/p>\n\n\n\n Do you prefer to set aside money for an emergency or would you rather not run the risk of having your entire balance frozen in the event of a resignation?<\/p>\n\n\n\n There are many things to think about, so it\u2019s worth knowing both options in detail in order to make the best decision!<\/p>\n\n\nWhat is the best type of FGTS withdrawal: termination or anniversary?<\/h2>\n\n\n\n