Are you in need of some extra cash? Or maybe you want to invest in a new venture? So know that you can access the amount you need by anticipating the FGTS through BB!

Banco do Brasil offers the public the possibility of anticipating their birthday withdrawal so that they can take advantage of money that is already theirs today!

That way, you can invest in your projects or even fund an emergency without worrying about paying the installments of a long loan!

Want to know how this is possible? So, continue with us in this post and find out how you can anticipate the FGTS through BB!

First of all, let's learn more about this credit option and how it works in practice. 

Therefore, the anticipation of the FGTS is nothing more than a relatively new type of loan. 

From it, you can use your birthday withdrawal as collateral and thus access its value in advance.

In this way, Banco do Brasil releases a credit in the amount of up to 5 birthday withdrawals in your account.

After doing so, on the first business day of the month of your birthday, Banco do Brasil automatically redeems the portion of the birthday withdrawal you had to receive that year.

In this way, the payment of this type of loan happens automatically and, therefore, does not generate installments for you to pay!

In summary, FGTS anticipation is a very interesting and practical loan modality. However, it is not available to everyone.

In order to carry out the anticipation, you must meet some basic requirements, such as:

In this way, those who meet the requirements listed above can now take out this type of loan.

As much as when anticipating the FGTS through BB you are accessing money that is already yours and that you would receive in the future, it may still have interest rates included.

This happens because when making this loan, Banco do Brasil will be transferring money to you that belongs to the bank, just like in any other loan.

In this way, interest can be charged. However, the amount of the fee may vary according to your financial profile. Because of this, the bank does not disclose the interest rates it applies to this loan.

Regarding the payment period, Banco do Brasil allows the advance to be paid in up to 5 years, and 5 annual installments will be deducted from your fund.

In summary, the anticipation of the Banco do Brasil FGTS can have great advantages for you and really help you in a month when you have the tightest finances.

But we cannot deny that this type of loan can also have some negative points.

Therefore, to find out if this type of credit is really worth it for you, we decided to separate below the main positive and negative points of this option.

Anticipation allows you to make a loan faster without compromising your budget! Learn more about these benefits below!

Firstly, by anticipating the FGTS through BB, you can carry out this process 100% online, without having to leave your home to access this credit.

In this way, this loan becomes a more practical modality for those who have a more busy day-to-day.

In addition to being online, after finalizing the contract, the money can quickly fall into your account so that you can enjoy it more quickly!

And finally, we cannot forget the fact that by anticipating the FGTS through BB you will not have any monthly installments to pay.

So, you don't need to change your monthly budget to fit one more bill. Everything can remain the same and you still have access to credit!

On the other hand, anticipation can block part of your guarantee fund. In addition, it is necessary to already have the account created to carry out a simple credit simulation.

Check out more details about these downsides below.

When anticipating the FGTS, the amount referring to this loan will be blocked in your fund.

This block is necessary for the bank to have a guarantee that the payment will be made.

But, on the other hand, this can mean that you cannot access the full amount of the fund when you go through an emergency.

Another disadvantage is that to carry out the loan simulation, you must have already created your account at Banco do Brasil.

This makes this loan not the most practical option, since you do not have access to the simplest loan information easily.

Finally, Banco do Brasil does not disclose on its website the interest rate that can be applied to the loan.

To have access to this information, you need to carry out the credit simulation in order to have an idea of the interest rate that can be applied.

If you analyzed the negative and positive points of anticipation and decided to do it, know that the process is very simple!

First, you need to go to the FGTS application and thus join the birthday withdrawal. Then you can authorize Banco do Brasil to check your balance so that you can release the credit.

With that done, you just need to go to the Banco do Brasil application and request the advance.

To do this, you just need to go to “Loan” and then click on the option “Anticipate your credits”. Here you will find the option “CDC FGTS Saque Aniverário”. Click on it to start the request.

So, if you are approved, you just need to continue signing the loan agreement and then wait for the credit to be released in your account!

But, if you still don't have a Banco do Brasil account open, just check the post below for the complete step by step to create one!