FGTS Early: Find out how to make interest deposits for this purpose

Brazilian workers can count on down payment from Separation Compensation Fund (FGTS). Initially, according to government information, prepaid amounts are only available for a specific purpose.

The goal is for citizens to indicate the credit as collateral when entering the Minha Casa Verde e Amarela programme.

It is located around Future FGTS, which is a prediction of the resources that the official worker will have if he continues to work. In this way, not the current balance is taken into account, but the balance that may be in the near future. The information also indicates that the government’s plan is to present the idea even before the presidential elections.

Government confirms expectation of FGTS this year

Last month, the federal government approved the possibility of providing FGTS payments. The new method is named “FGTS of the Future” or “FGTS Consigned”.

According to the government, the values ​​of the guarantee fund, which have not yet been deposited, can be taken into account for the implementation of the financial operation.

Who can make FGTS deposits?

In principle, according to the rules of the federal government, only beneficiaries of the program green and yellow house You can apply for the FGTS Futuro.

However, it is important to note that a file Future FGTS It works like a traditional payroll loan. Thus, the use of the value of the FGTS can occur to reduce the value of mortgage payments.

Interested parties must follow certain criteria, such as, for example, having a gross monthly income of up to R$ 4,400; Use the values ​​to have only one property and you have no other property registered in your name.

“Of course, the FGTS deposit cannot be described as income. But how can I expand the income capacity of families? When the bank understands that, outside ordinary income, it has another component,” said the National Secretary for Housing at the Ministry of Regional Development (MDR), Alfredo dos Santos.

“The FGTS shipment can create purchasing power that a person may not have to buy their home,” he continued. “Whoever commits the FGTS to the payment will never collect the amount to try to anticipate layoffs,” he added.

How do you make FGTS deposits?

First, if you meet the requirements and wish to request an FGTS advance to finance your property, the application can be submitted through Caixa Econômica Federal. The amount of premiums and the amount of payroll deduction are expressed in the contract.

This possibility will allow workers to purchase real estate at higher values. Currently, citizens who receive up to R$2,000 per month can finance real estate worth up to R$440.00.

However, with the implementation of the FGTS Consignado/Futuro, workers will be able to increase this range to R$600, which is R$160 more than the traditional range.

Is FGTS Predictor Really Available?

One of the main questions relates to information about the availability of the FGTS forecast. It is important to note that this progress is not yet available.

Under the rules, banking institutions have up to four months to adjust to the new rules. So it should be available to citizens in February 2023.

About the fund

FGTS is the amount an employer deposits each month into an individual account that is exclusive to their employee. The idea is that it pays the equivalent of 8% of the worker’s salary.

today is employee You can use FGTS to purchase your own home in only three cases:

• as input
• Payment of 12 installments (once a year, limited to 80% of the value of the installments);
• In amortizing the outstanding balance of the contract (once every two years).