Payroll loans secured by the FGTS have undergone important updates, according to Caixa's new rules. Check out all the rules below to make this possible.
Workers who opt for the FGTS anniversary withdrawal can use the withdrawal amount as collateral for the payroll loan.
This new type of personal credit offers lower interest rates. Furthermore, the federal government is finalizing the regulation of this type of loan, using annual FGTS withdrawals as collateral.
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As announced by Caixa, the measure was already provided for in the FGTS anniversary withdrawal law, created in 2019, which allows workers to withdraw a portion of their Guarantee Fund annually, based on their birth month. The first withdrawals will be available in April.
The regulation of this amount as collateral for the assigned credit will need to be approved by the FGTS Board of Trustees, a body that brings together representatives of the government, employers and workers.
The measure was already provided for in the FGTS anniversary withdrawal law, created in 2019, which allows workers to withdraw a portion of their Guarantee Fund annually, based on their birth month. The first withdrawals will be available in April.
The regulation of this amount as collateral for the assigned credit will need to be approved by the FGTS Board of Trustees, an organization
Still have questions about the loan as collateral for your FGTS? You can visit Caixa's official website, or leave a comment below, and we'll respond as soon as possible.
According to the G1 portal, the federal government still expects R$150 billion in financing to be granted in this modality over the next two years. But is it worth taking out this loan with the FGTS?
You need to do some personal calculations and put them on the scales.
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