Are you thinking of anticipating the FGTS through Zema? Know that this can be a great credit option for you.

By anticipating the guarantee fund, you can access better loan conditions. In addition, with Zema Financeira you can have your credit approved even if it is negative.

This happens because this finance company does not carry out consultations with the SPC or Serasa when you anticipate the FGTS. That way, you are more likely to access the money you need.

But, before you start applying for credit, it is interesting that you learn more about this modality to find out if it is the ideal option for you!

In short, FGTS anticipation is a credit modality where you can access a large portion of your guarantee fund.

Therefore, from this modality, you can receive several installments of your birthday withdrawal in advance.

That way, instead of waiting until your birthday month arrives to withdraw the benefit, you can have access to all installments today in a more practical, faster and safer way!

And the best part is that this type of loan does not create debt for you! 

This happens because when applying for the loan, Zema will discount the amount of the birthday withdrawal that you would have withdrawn every year.

In this way, the payment of the loan happens automatically and, as it is being done on money that is already yours, the chances of you getting into debt with this form of loan are almost zero! 

To be able to advance the FGTS through Zema, one of the main requirements is that the applicant has an active or inactive FGTS account.

In addition, he also needs to have a balance in his fund to be able to access the necessary credit and make the loan.

Before taking out a new loan, it is essential that you know the main conditions it offers.

About that, you will be happy to know that by anticipating the FGTS through Zema you can access the best loan conditions on the market!

As the value of the installments is automatically deducted from your guarantee fund, the finance company can feel more secure that payments will be made. That way, she can offer more attractive conditions for you.

Therefore, by anticipating the FGTS through Zema, you can access a low interest rate from 1.79% per month, which is a very low value compared to other market modalities.

In addition, when making the advance, you can pay it off in up to 10 years, and the value of the loan installment will be deducted from your guarantee fund only once a year.

Finally, when taking out the loan, you can receive the money in your account within 1 business day, being a faster credit option.

After knowing how the FGTS advance works and the main characteristics, many people can now be excited to continue taking out this loan.

But, before doing so, it is interesting to learn more about the pros and cons of this loan to make sure that it is the ideal loan option for you!

Among the advantages we can see that the anticipation of the zema fgts can offer you attractive conditions and low interest rates. 

But these are not the only advantages of this credit. Below you will find some more positive features that it has.

First, by anticipating the FGTS through Zema, you have more chances of being accepted even if you are negative. In this loan option, the finance company does not carry out consultations with the SPC or Serasa.

Another very interesting advantage of this credit is that it allows you to have up to 10 years of your birthday withdrawal, which is a great term if we consider that other financial institutions usually anticipate only 7 installments.

Finally, another great advantage of this type of credit is that even if you have an active FGTS advance contract, it will still be possible to contract another advance!

Here, you only need to have an available FGTS balance to take out the credit more than once!

Despite the positive points, anticipation also has a negative side to be analyzed.

Therefore, when anticipating the FGTS through Zema, it is important that you know that part of your FGTS balance will be blocked due to the loan.

Namely, this happens to ensure that the financial institution will receive the loan amount. In this way, the portion of your FGTS balance equivalent to the loan amount is blocked.

Thus, you cannot access this money to use for other purposes or in emergency cases, such as unfair dismissal.

Therefore, it is important to keep these characteristics in mind when applying for this credit.

In summary, if you have already analyzed the positive and negative points of the loan and decided to continue with it, know that applying for it is very simple to do.

So, all you have to do is follow the steps below!

Thus, when completing the form, the financial institution will contact you to analyze your request and have access to your documents in order to approve the credit.

That way, when you have the credit approved, the loan money will fall into your account within 24 business hours!

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