If you want to access part of your balance in advance and without justifying its use, it might be a good idea to anticipate the FGTS through Caixa.

This important Brazilian bank allows the public to access up to 5 installments of their birthday withdrawal to fund their projects and larger purchases.

In addition, this type of loan offers the great advantage of not compromising your monthly budget, in addition to having lower interest rates.

If you liked this option and want to know more about how to anticipate FGTS through Caixa, continue with us in this post and learn all about the anticipation!

In summary, the FGTS anticipation made by Caixa Econômica Federal is a type of credit that banks are offering for people to have easy access to money.

Therefore, from this type of loan, the user who has an available balance in his guarantee fund can request a partial or total withdrawal of the fund.

In this way, the user can receive the money in his account quickly and does not have to worry about paying the installments.

This happens because the installments of this type of loan are automatically deducted once a year from your guarantee fund.

As this modality anticipates your birthday withdrawal, it will use the withdrawal amount that you would get in the coming years as payment.

That way, you can receive this amount early today and use it however you want!

As much as the modality of anticipating FGTS through Caixa is very attractive, it is necessary to know that, to access this type of loan, it is necessary that you fulfill some basic requirements.

First, you must be over 18 years old and have a current account at Caixa. In addition, you also need to have a clean name at the institution. 

But, if you have any outstanding debt with Caixa, it is still possible to take out the loan, as long as the amount is intended to pay it off.

To anticipate the FGTS through Caixa, you must also have opted for the birthday withdrawal and authorize Caixa to consult your fund data.

Finally, you also need to have enough balance in the fund to carry out the anticipation. 

So, in summary, you need to:

That way, if you meet these requirements, you will already be able to anticipate the FGTS through Caixa!

At first, whoever anticipates the birthday withdrawal through Caixa can access this resource for up to 5 years.

In addition, by anticipating the FGTS through Caixa, you can access a rate of 1,79% per month.

Finally, it is also important to know that Caixa only authorizes loans of at least R$ 500.00 where the installment to be deducted annually is from R$ 200.00.

If you liked what you've seen so far about advancing FGTS through Caixa, but you're still in doubt about this loan option, we've separated the main positives and negatives of this operation below so that you can make a better decision.

Starting with the advantages, we can see that the anticipation of the birthday withdrawal is a very fast and economical type of credit, being the ideal option for those who do not like to deal with a lot of bureaucracy.

Below you can find more details about these and other advantages of anticipation.

The first positive point of advancing the FGTS through Caixa is the fact that it is a very quick, practical and easy loan.

The credit amount may be credited to your account on the next business day of contracting. In addition, its hiring process is very simple and allows you not to worry about paying another bill every month.

Another great advantage of advancing the FGTS through Caixa is the fact that the interest charged on this type of credit is much lower than on other types of loan.

This allows you to achieve savings in loan amounts and thus have less money being deducted from your fund.

Finally, when making the advance, you will not have to deal with monthly installments of a loan.

As the payment of installments is automatically deducted from your fund, you do not need to set aside part of your budget for this loan.

That way, you can access a higher credit amount to take advantage of the loan even more!

Despite anticipation having great advantages, we cannot deny that it also has a major negative point.

In this way, when anticipating the FGTS, a part of your guarantee fund will be blocked.

This action is done so that Caixa has the guarantee that the payment of the loan will be made. It is also because of it that it is possible to access better payment conditions for this loan.

But, in case an emergency happens and you need to use the value of the fund, you will only be able to access a part of it. In some cases, the loan may block the full amount of your fund. 

However, before carrying out the contract, you will already know the total amount that will be blocked.

If you liked the option to advance the FGTS through Caixa and want to apply for this loan, know that the process for this is very simple!

First, you need to adhere to the birthday withdrawal in your FGTS fund to be able to apply for the loan.

That way, after you've made the adherence, you just need to go to the "Authorize banks" option and allow the federal savings bank to consult your FGTS data.

Thus, you can go to Caixa's internet banking or application and take out the loan.

With everything right, you will be asked for your electronic signature for the loan agreement and soon the money will fall into your account!

But, in order to carry out this contract, you must have a current account at Caixa. If you don't have it yet, see in the following post how to open yours!