FGTS Future: Realize the dream of owning your home with the new Caixa financing!

Finding your own home is one of the biggest dreams of many Brazilians. Now this goal may be closer for a wide segment of the population. Caixa Econômica Federal has announced a new feature that promises to make access to housing financing easier. This is the FGTS futureIt is an innovative method that allows the future service life guarantee fund to be used as a credit guarantee.

This credit line mainly targets workers with income up to R$2,640, as part of the Minha Casa, Minha Vida programme. This new model aims to expand financing possibilities, making the dream of owning a home a reality for a larger segment of the population.

What is FGTS Futuro and how does it work?

Hey FGTS future It is an innovative approach when it comes to housing finance. It allows workers to use future FGTS deposits, provided by employers, as a form of security for housing credit. To join, a beneficiary must authorize Caixa to hold these future credits for up to 120 months. This procedure is easy and can be performed quickly through the FGTS application.

How to choose the best credit option?

At the financing contracting stage, it is important for interested parties to obtain detailed information about the installments, costs involved and other conditions of the housing loan. This ensures that the worker can make an informed choice, choosing the alternative that best matches their financial reality and future expectations.

• Know exactly how much you will pay and what the costs will be.
• Rest assured that your FGTS balance will be available to repay the financing.

Consequences in the event of termination of employment

An important aspect that adherents must take into consideration FGTS future Regarding the possibility of dismissal. In this case, the balance in the account linked to housing finance will not be available for withdrawal by the worker.

This is due to the program's policy of directing any surplus beyond what is necessary to repay the debt towards financing repayment. However, it is important to note that a 40% termination penalty is still available to the worker.

Caixa Econômica Federal highlights that this new method has the potential to benefit thousands of Brazilians, significantly expanding access to the dream of owning their own home. With clear information and support in decision making, and FGTS future She positions herself as a valuable ally in achieving the desired home.