Did you know that it is possible to take out a loan that does not generate a bill every month? For this, you just need to anticipate the FGTS through Digio!

FGTS anticipation is a new type of credit offered by several banks for you to access money that is already yours, only in advance!

Thus, you have the convenience of taking out a loan that does not generate bills to pay every month.

But how is this done in practice? And what conditions can you access when anticipating FGTS through Digio? Keep reading this article to find out!

In short, FGTS anticipation is a credit modality that allows you to access future installments of your birthday withdrawal.

Namely, the main difference of this modality to the others is that in anticipation, the payment of the loan is made automatically.

Therefore, the Digio bank will deduct the amount borrowed from your FGTS balance every year.

Thus, instead of withdrawing the resource every year, you can access its entire amount at once and allow the bank to take this amount as a means of repaying the loan.

Therefore, this modality does not generate any bills for you to pay. Here, payment is automatic and you can simply access the amount you need to invest in your projects.

As much as anticipating FGTS through Digio is a very interesting credit option, it is also necessary to consider that this modality can only be accessed by a specific public.

Therefore, to be able to anticipate the FGTS through Digio, you must be over 18 years old and have at least R$ 400.00 of FGTS balance to withdraw.

In addition, Digio also asks the applicant to have an active bank account so that they can transfer the credit amount.

That way, by meeting these requirements, you can already anticipate your birthday withdrawal and access better credit conditions!

In summary, as the FGTS advance payment is made automatically, Digio is able to offer more attractive conditions in this type of credit.

Starting with the interest rate applied, which is lower than on personal loans. By anticipating the FGTS through Digio, you can access a rate of just 1,99% per month.

In addition, by making the anticipation, you can access up to 7 birthday withdrawals and thus manage to have more money in your account.

Finally, another interesting information about the loan is the deadline for releasing the money to you. By anticipating the FGTS through Digio, you can access the amount within 1 business day after hiring!.

Digio's FGTS anticipation conditions are super attractive and already make anyone want to request it!

But, before that, it is interesting that you know if this type of loan is really worth it for your financial life.

That way, you can be more sure that what you are requesting will really help you.

Therefore, we separate below the main positive and negative points of this anticipation for you to analyze carefully and decide if this is the best option.

Starting with the advantages, we can see that Digio manages to offer excellent loan conditions and a good hiring experience. Check out more details about the perks below!

First of all, we have to highlight the fact that the loan can be taken out without leaving your home. That way, wherever you are, you can anticipate FGTS through Digio in a simple and practical way.

Like a good online loan, FGTS anticipation is a bureaucracy-free option. 

Here you can take out the loan directly through the bank's application and thus access the amount you need without worrying about chasing different documents.

In summary, there are many banks that allow you to anticipate the FGTS. But, many of them allow access to a few plots, and it is possible to find places that offer only 1 plot or only 5.

Therefore, by anticipating the FGTS through Digio, you can access more installments and take advantage of their value to carry out your plans.

In this type of loan, the value of the installments is automatically deducted from your guarantee fund.

That way, you don't have to worry about working harder to pay the loan or depriving your leisure to pay the installments.

With this modality, your current budget is not compromised, and you can access the money you need without sacrificing what you already have.

Last but not least, the anticipation of the FGTS is fully available for those who are negative.

In this way, those who have difficulty accessing credit in other loans will be able to find the credit they need without the risk of not being approved.

The advantages of anticipation are really great, but we cannot forget that this modality can also have some negative points, as you know below.

The main disadvantage of anticipating the FGTS is that this type of loan leaves your guarantee fund blocked.

This block happens so that the resources that will be used to pay the bank are actually in your FGTS account to pay off the loan.

However, if you need to access this money in the future, you will only be able to withdraw a portion of your fund and not its full amount.

Another disadvantage is that it is necessary to create a Digio bank account. Thus, you will need to take one more step to access the credit you need.

Finally, the anticipation of the FGTS can only be accessed by a more restricted public of people.

Thus, those who do not have a FGTS balance or have never worked with a portfolio record may not be able to take out this loan, which offers better conditions.

Have you analyzed the pros and cons of prepayment and decided that this loan is right for you? So, now you need to learn how to make this request!

First, you need to go to the FGTS application and join the birthday withdrawal. After doing so, click on “Authorize banks” and search for the Digio bank.

When you find it, select it for the list of banks that can access your FGTS data. This step is necessary for the bank to know your FGTS balance and thus be able to release the credit and redeem the annual payments.

That way, after having authorized the bank, you can proceed to the Digio application, access the credit tab and start requesting your FGTS advance!

And if you don't have a Digio account yet, you can learn how to create one in the post below!