Since Caixa Econômica Federal made available the option of anticipating the birthday withdrawal, many banks began to allow loans with the guarantee of this fund. In this way, it became possible to take out a loan guaranteed by FGTS from Banco Itaú.

From this financial institution, the user can access up to 7 installments of his loan and receive the money in his account within 24 hours.

In this way, the user can have easy access to his future installments of the anniversary withdrawal, where he can use the money as he wishes.

If you liked this option and want to take out your loan with FGTS guarantee at Banco Itaú, continue reading and check out how this loan works and how you can apply for yours!

The loan guaranteed by the Itaú bank's FGTS is offered to users through the credit modality called payroll loan.

This loan model is well known and common in financial institutions. With it, when making a loan, the amount will be deducted directly from the salary, retirement or pension that the user receives.

In this way, he does not have to worry about paying the monthly bills for the debt incurred, as this will be done automatically between the institutions involved.

In the case of a loan guaranteed by Itaú's FGTS, the loan amount is taken directly from the installments of the birthday withdrawal that the user will receive in the coming years.

And just like other payroll loans, the amount will be deducted automatically where the bank itself collects the Caixa Econômica Federal, which is the institution that keeps the FGTS balance

In this way, the worker does not have to worry about having another monthly bill to pay off a loan. In the payroll loan model guaranteed by the FGTS, the payment of installments is deducted from your fund automatically every year.

But, for this loan to be possible, it is necessary that the worker has already adhered to the birthday withdrawal. By doing this, he allows Caixa to make available a percentage of his FGTS balance every year in the month of his birthday.

Upon adherence, it will be possible for other banking institutions, such as Itaú, to pay loans using the anniversary withdrawal balance. 

To be able to access the loan guaranteed by Banco Itaú's FGTS, it is necessary that you meet some basic requirements.

The first is that you must be between 18 and 70 years old to take out a loan. The other requirement that the bank also requests is that you have a balance of more than R$ 300.00 in the FGTS to receive a birthday withdrawal.

Finally, it is also necessary that you have already subscribed to the birthday withdrawal in the FGTS application, in addition to having authorized Banco Itaú to access your data related to this balance.

In this way, if you meet the requirements, you can now apply for a loan from Banco Itaú with the FGTS guarantee. 

The entire application process is done online and, after signing the contract, you receive the money in your account within 24 hours. But, to find out more information about how the loan application works, just check the topic below.

In order for the user to be able to take out a loan guaranteed by the FGTS through the Itaú bank, he needs to follow a few steps. See below.

The first step is to join the anniversary withdrawal. This step is done from the FGTS application. It is available for Android or iOS systems. That way, you just have to download the application and select the “Register” option and create an access password.

Thus, when accessing your account, you will be able to check your FGTS balance and adhere to the anniversary withdrawal. To do so, just click on the birthday withdrawal option, read and accept the terms.

After completing the adherence, you need to authorize Banco Itaú to consult your FGTS data. The bank needs this to decide whether or not to approve a credit for you. Without this step completed, it is not possible to carry out the loan.

Therefore, still in the FGTS application, you can click on “Authorize banks to consult your FGTS”. By doing so, you will be redirected to a page where you can search for “Itaú consignado SA” and add it to the list of banks that can access your FGTS.

After you have authorized Banco Itaú to access your data, you can get in touch with it to do a credit simulation and start the loan contracting process.

To do this, you can access the Banco Itaú website and enter your CPF. In this way, you can check the available offers and simulate the payment terms that you may have.

After carrying out the previous process, all you have to do is wait for Itaú specialists to contact you to discuss the loan and send you the contract for signature.  

That way, if everything is right and the contract is signed, your loan will be credited to your account within 24 hours and will be automatically debited from your birthday withdrawal balance. 

One of the great advantages of taking out this loan model is that it does not interfere with taking out other types of credit that you may apply for in the future.

But, if you want to have access to more than 7 installments of the anniversary withdrawal, you can make anticipation from other banking institutions, such as Banco Inter.

In addition, from it, you can request up to 10 installments of the balance. To learn how to do this, see in the post below how the process is done.