After the anniversary withdrawal from the guarantee fund was released, many people had the opportunity to access a portion of their balance once a year. But by advancing the FGTS through Agibank, it became possible to access up to 7 installments of the withdrawal.

This way, anyone who needs a little extra money today and cannot get the necessary amount through other types of loan, can make an early withdrawal in a completely safe way.

Furthermore, when you advance the FGTS through Agibank you don't have to worry about having a bad name. In this type of credit, the bank does not carry out consultations with SPC or Serasa.

If you liked this option and want to request your advance, check out the article below everything about it, how it works and the conditions for you to be aware of this loan model.

In short, the anticipation of FGTS by Agibank is a new type of credit that this and many other banks are offering to the public.

From there, people can access up to 7 installments of their birthday withdrawal at once!

Furthermore, as this type of credit is safer for banks because the risk of default is low, it is possible to request a loan with lower interest rates compared to other types, such as a personal loan.

This way, you can withdraw a good part of your fund that you will receive in the future to invest in your current projects!

In fact, a very interesting feature of this loan is that with it you don't have to worry about paying the credit installments.

All of them will be automatically deducted from your guarantee fund once a year, in the same period in which you would receive your birthday withdrawal.

This way, you have the peace of mind of taking out a loan with good payment terms without worrying about paying another bill every month!

Even though early birthday withdrawal is a very interesting type of credit, you need to follow some basic requirements to have access to it, such as:

This way, by meeting these basic requirements, you can now advance FGTS through Agibank and thus access a loan with great conditions!

To advance the FGTS through Agibank, it is essential to know the main conditions that the bank stipulates for making the loan.

Therefore, Agibank allows the public to advance up to 7 installments of the birthday withdrawal. Here the bank stipulates that the limit for this loan must be between R$ 100.00 and R$ 180 thousand.

The value of this loan will be paid automatically, as every year Agibank will deduct the value of the installments from your guarantee fund.

Finally, it is also essential to know the interest applied to the loan to understand the additional amount that can be deducted from your fund.

Therefore, when you advance the FGTS through Agibank, you will be able to access interest from 2.05% per month, which will be added to each of the 7 advance installments you requested.

So far, you have already understood how the advance payment of FGTS by Agibank works and what conditions this bank stipulates.

However, this is not enough to know whether applying for this type of credit is really beneficial for you.

To do this, you need to analyze the pros and cons of this solution and, thus, better understand how it can benefit you.

Therefore, we have separated the main advantages and disadvantages of this solution below for you to know!

Anticipating the FGTS has many advantages for those who hire it. The money arrives quickly in the account, the interest rates are low and there is almost no bureaucracy! Below you can better understand these and other advantages of this modality!

One of the main advantages of advancing the FGTS through Agibank is that you can quickly access the borrowed money.

Through Agibank, the deadline for the money to reach your account is up to 24 hours after you are approved! Therefore, this type of loan can be a good option in times of emergency.

Another positive feature of the loan is that it doesn't have a lot of bureaucracy, which is why it can be done so quickly.

As it does not consult your CPF with agencies such as SPC and Serasa, the entire loan application process becomes faster and more practical.

We cannot deny that the interest applied when anticipating FGTS through Agibank is very low.

To give you an idea, it is difficult to find this interest rate value on personal loans, for example, which usually charge 5% in interest upwards.

Finally, anticipating your birthday withdrawal has the great benefit of not compromising your budget!

So, when you do this you don't have to worry about organizing your finances to fit in another installment.

With this loan, the value of the installments will be automatically deducted from your fund, meaning you can borrow the amount today and not worry about it tomorrow.

On the other hand, anyone who anticipates their FGTS may face problems later if they want to withdraw an amount from their fund. Furthermore, we cannot forget that this modality is limited to those who have a guarantee fund.

Below we explain more about these negative points that the anticipation of the FGTS may have.

Despite being a loan with good conditions, it is still not affordable.

Only those who have a balance in their guarantee fund can advance the FGTS through Agibank.

When you advance your fund, the requested amount will be blocked in your FGTS, preventing you from accessing it later.

This way, in cases of dismissal or purchase of a property, you will be prevented from accessing the full value of your guarantee fund, as part of it was allocated to the loan.

Finally, when paying in advance, be aware that a larger amount may be deducted due to the interest on the loan.

Even though the interest rates are low, the amount will still be discounted and may be missed by you in the future.

If, after analyzing the positive and negative points of anticipation, you decide that it might be a good choice to advance the FGTS through Agibank, see the step-by-step guide below on how this request can be made!

With that done, you just need to go to the Agibank website and take out the loan!

And in addition to advancing the FGTS through Agibank, know that there are many other financial institutions that provide this loan! In the following post you can learn more about them and their conditions!