The Caixa Economica Federal He recently announced an update to his service for predicting anniversary draws for the Severance Compensation Fund (fgts🇧🇷 Now, workers will be able to make up to five method payments.
Previously, recipients could only expect three withdrawals fgts🇧🇷 According to the bank, more than 2.3 million workers have already benefited from the service, of which 1.3 million are passive workers. In doing so, about R$15 billion was injected into the country’s economy.
How to expect fgts birthday withdrawal
First, the worker must adhere to the Christmas withdrawal method, which typically awards an annual premium out of a portion of the available balance in employee accounts. fgts of the pregnant woman in the month of his birth.
Thus, the expectation that works as a loan offers, now, up to five installments to withdraw from fgts🇧🇷 For this, the worker only needs to enable Caixa to receive the method payment when it is issued in the following years.
The procedure is 100% online, through the application of the financial institution. Moreover, there is no consultation with SPC and Serasa, as long as the customer has a balance in the accounts fgts🇧🇷
It is important to note that the commitment to the birthday withdrawal must be made by the worker through the application fgts, on the fgts.caixa.gov.br website, on CAIXA Internet Banking or in branches. However, those who choose this method lose the right to withdraw and terminate in the event of dismissal without just cause.
How is the Christmas withdrawal amount calculated?
At the outset, it is worth remembering that the calculation differs according to the amount available to the worker in his accounts linked to fgts🇧🇷 Furthermore, it is possible to add an additional premium that also corresponds to the balance range. See the table:
| The balance ranges in Brazilian reals | withdrawal rate | extra premium |
| Up to 500.00 BRL | 50% | 🇧🇷 |
| From 500.01 Brazilian Real to 1,000.00 Brazilian Real | 40% | 50 Brazilian reals |
| From 1,000.01 BRL to 5,000.00 BRL | 30% | 150 Brazilian reals |
| From 5000.01 Brazilian Real to 10000.00 Brazilian Real | 20% | 650 Brazilian reals |
| 10000.01 Brazilian Real to 15000 Brazilian Real | 15th% | 1150 Brazilian Real |
| From 15,000 R$ to 20,000 R$ | 10% | 1900 Brazilian Real |
| over 20,000,01,000 | 5% | 2900 Brazilian Real |
How to contract with the expectation of christmas withdrawal
The worker must access Caixa’s online banking and click on the “Credit” option. After that, it will be necessary to click on the birthday forecast-opt out option. Once this is done, a pre-contract will be created.
In addition, the balance amount used as the basis for a credit account will be blocked in fgts as a guarantee of the operation. The lowest interest rate on loans to individuals is considered to be 1.49% per month.
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