{"id":75672,"date":"2022-12-05T12:00:00","date_gmt":"2022-12-05T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=75672"},"modified":"2022-12-07T17:19:55","modified_gmt":"2022-12-07T17:19:55","slug":"saque-aniversario","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/id\/saque-aniversario\/","title":{"rendered":"Penarikan ulang tahun: apa itu dan bagaimana cara memilihnya?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-acesse-ate-50-do-valor-do-seu-fgts-uma-vez-ao-ano-com-essa-modalidade\">Acesse at\u00e9 50% do valor do seu FGTS uma vez ao ano com essa modalidade<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Veja como o saque-anivers\u00e1rio funciona na pr\u00e1tica Fonte: Pexels.\"  id=\"75673\" src=\"https:\/\/cdn.adtechpanda.com\/4609d711-562f-4eda-b05d-667f5a3ff1a5\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Veja como o saque-anivers\u00e1rio funciona na pr\u00e1tica Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O saque-anivers\u00e1rio \u00e9 uma nova modalidade de saque que o governo permitiu que os trabalhadores tenham.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A partir dela, voc\u00ea consegue acessar um bom valor do seu fundo de garantia todos os anos sem precisar dar justificativa do uso.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-RADXn\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/id\/como-sacar-o-fgts\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara menarik FGTS pada tahun 2022\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/5d6c4fbe-b529-4fd4-a998-57ba629cb070\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/id\/como-sacar-o-fgts\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara menarik FGTS pada tahun 2022\">\n            Cara menarik FGTS pada tahun 2022        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Veja aqui como ter acesso ao seu saldo do fundo de garantia!\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/id\/como-sacar-o-fgts\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruslah Membaca            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/id\/como-sacar-o-fgts\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/5d6c4fbe-b529-4fd4-a998-57ba629cb070\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Cara menarik FGTS pada tahun 2022              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/como-sacar-o-fgts\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Teruslah Membaca                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan tetap berada di situs web yang sama              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, uma vez ao ano o trabalhador poder\u00e1 ganhar uma quantia a mais de dinheiro e assim us\u00e1-la para quitar d\u00edvidas, pagar as contas ou at\u00e9 comprar um presente de anivers\u00e1rio especial para si mesmo!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No post a seguir, voc\u00ea conhecer\u00e1 mais sobre essa op\u00e7\u00e3o de saque e tamb\u00e9m poder\u00e1 analisar se ela \u00e9 realmente vantajosa.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>O que \u00e9 saque-anivers\u00e1rio?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Entenda mais sobre essa modalidade de saque. Fonte: Pexels.\"  id=\"75674\" src=\"https:\/\/cdn.adtechpanda.com\/55be7ae9-32e3-42cf-8f1a-7e59b4487aaa\/-\/crop\/1280x1058\/0,141\/-\/preview\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Entenda mais sobre essa modalidade de saque. Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em resumo, o saque-anivers\u00e1rio \u00e9 uma modalidade que permite que o trabalhador acesse uma parte do seu saldo do FGTS uma vez ao ano, no m\u00eas de seu anivers\u00e1rio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ela foi criada a partir da Lei 13.932\/19 em julho de 2019 para que assim diversos trabalhadores do pa\u00eds consigam ter acesso facilitado ao seu saldo do fundo e possam usar o dinheiro nos seus principais objetivos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A saber, o saque-anivers\u00e1rio nasceu para ser mais uma op\u00e7\u00e3o de saque ao lado do saque-rescis\u00e3o, este \u00faltimo acessado pelo trabalhador quando era demitido sem justa causa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, como o saque-anivers\u00e1rio \u00e9 uma op\u00e7\u00e3o a mais, ele \u00e9 uma alternativa opcional de saque que o trabalhador tem direito de decidir se quer ou n\u00e3o aderir.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZcvTa8\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/id\/como-receber-saque-fgts\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara menerima penarikan ulang tahun FGTS\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/014aa7cd-3fe0-4b43-a0bd-1b9f8e42606b\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/id\/como-receber-saque-fgts\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara menerima penarikan ulang tahun FGTS\">\n            Cara menerima penarikan ulang tahun FGTS        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Saiba aqui como optar por essa modalidade e assim receber uma quantia a mais uma vez ao ano!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/id\/como-receber-saque-fgts\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruslah Membaca            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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A partir dele, o trabalhador consegue sacar do seu fundo uma parte do valor dele e transferir diretamente para a sua conta banc\u00e1ria.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A princ\u00edpio, para realizar a opera\u00e7\u00e3o, n\u00e3o \u00e9 preciso dizer como o dinheiro ser\u00e1 utilizado. Basta transferi-lo para a sua conta ou sacar em dinheiro e usar como quiser.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Quanto \u00e9 poss\u00edvel receber de saque-anivers\u00e1rio?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Quanto ao valor que pode ser sacado, \u00e9 importante considerar que tudo depende da quantia que voc\u00ea tem no seu fundo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A saber, o valor do saque-anivers\u00e1rio \u00e9 formado por uma porcentagem do seu saldo mais uma parcela adicional.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para entender melhor sobre os valores a serem sacados, voc\u00ea pode conferir a tabela abaixo que mostra a porcentagem que pode ser retirada de acordo com a faixa de saldo no seu fundo de garantia.<\/p>\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Faixa de saldo<\/strong><\/td><td><strong>Al\u00edquota<\/strong><\/td><td><strong>Parcela adicional<\/strong><\/td><\/tr><tr><td>At\u00e9 R$ 500,00<\/td><td>50%<\/td><td>&#8211;<\/td><\/tr><tr><td>De R$ 501,00\u00a0 at\u00e9 R$ 1.000,00<\/td><td>40%<\/td><td>R$ 50.00<\/td><\/tr><tr><td>De R$ 1.001,00\u00a0 at\u00e9 R$ 5.000,00<\/td><td>30%<\/td><td>R$ 150,00<\/td><\/tr><tr><td>De R$ 5.001,00\u00a0 at\u00e9 R$ 10.000,00<\/td><td>20%<\/td><td>R$ 650,00<\/td><\/tr><tr><td>De R$ 10.001,00\u00a0 at\u00e9 R$ 15.000,00<\/td><td>15%<\/td><td>R$ 1150,00<\/td><\/tr><tr><td>De R$ 15.001,00\u00a0 at\u00e9 R$ 20.000,00<\/td><td>10%<\/td><td>R$ 1.900,00<\/td><\/tr><tr><td>Acima de R$ 20.001,00<\/td><td>5%<\/td><td>R$ 2.900,00<\/td><\/tr><\/tbody><\/table><figcaption>Esses s\u00e3o os valores que podem ser liberados. Fonte: Caixa.<\/figcaption><\/figure>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para exemplificar melhor, vamos supor que voc\u00ea tenha R$ 500,00 de valor total no seu fundo. Dessa forma, ao optar pelo saque-anivers\u00e1rio voc\u00ea conseguir\u00e1 acessar R$ 250,00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, caso voc\u00ea tenha R$ 3.000,00 de saldo, ser\u00e1 poss\u00edvel acessar R$ 1.050,00 que s\u00e3o formados por R$ 900,00 (30% de R$ 3.000,00) e pela parcela adicional de R$ 150,00.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Qual o per\u00edodo de pagamento do saque?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o per\u00edodo de saque dessa modalidade \u00e9 de at\u00e9 3 meses iniciando no m\u00eas de seu anivers\u00e1rio. Dessa forma, se voc\u00ea nasceu em dezembro, poder\u00e1 fazer o saque de dezembro at\u00e9 fevereiro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, voc\u00ea tamb\u00e9m pode deixar o pagamento do saque autom\u00e1tico. Dessa forma, a Caixa vai transferir para voc\u00ea o valor do seu saque no m\u00eas de seu anivers\u00e1rio de forma autom\u00e1tica.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Siapa yang berhak atas keuntungan tersebut?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em resumo, o saque-anivers\u00e1rio \u00e9 uma modalidade muito acess\u00edvel para diversas pessoas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O \u00fanico requisito que \u00e9 preciso cumprir \u00e9 ter saldo no seu FGTS dispon\u00edvel para saque. Com isso, voc\u00ea consegue aderir a essa modalidade e assim acessar uma parcela do fundo uma vez ao ano.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Vale a pena optar pelo saque-anivers\u00e1rio?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por mais que o saque-anivers\u00e1rio seja uma funcionalidade bem interessante e que ofere\u00e7a bons benef\u00edcios, \u00e9 preciso conhecer os pr\u00f3s e os contras de aderir a ela.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por isso, separamos abaixo as principais vantagens e desvantagens do saque para voc\u00ea conhec\u00ea-lo melhor.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Manfaat<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O saque-anivers\u00e1rio possui diversas vantagens interessantes para voc\u00ea acessar. Com ele, todo ano voc\u00ea ganha um dinheiro extra e pode usar ele para diversos objetivos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o saque-anivers\u00e1rio oferece acesso a uma modalidade de cr\u00e9dito com condi\u00e7\u00f5es melhores. Conhe\u00e7a mais sobre ela abaixo.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h4>Antecipa\u00e7\u00e3o do saque<\/h4>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Voc\u00ea j\u00e1 ouviu falar sobre a antecipa\u00e7\u00e3o do saque-anivers\u00e1rio? Ele se trata de uma modalidade de cr\u00e9dito oferecida por diversos bancos que permite que voc\u00ea acesse as parcelas futuras do seu saque-anivers\u00e1rio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A saber, a maioria das institui\u00e7\u00f5es oferece acesso de 7 at\u00e9 10 parcelas do seu fundo. Dessa forma, ao inv\u00e9s de acessar apenas uma parcela do benef\u00edcio, voc\u00ea consegue acessar o valor inteiro de uma vez s\u00f3.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, por se tratar de um empr\u00e9stimo, essa opera\u00e7\u00e3o possui juros embutidos. Mas, eles s\u00e3o menores que outras modalidades de cr\u00e9dito.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h4>Investir em op\u00e7\u00f5es que rendem mais<\/h4>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra vantagem de optar pelo saque-anivers\u00e1rio \u00e9 que voc\u00ea pode usar o dinheiro para investir em t\u00edtulos com maior rentabilidade!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A saber, o dinheiro que fica no seu FGTS possui uma rentabilidade, mas ela \u00e9 muito pequena.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, ao optar por essa modalidade, voc\u00ea consegue acessar um valor do seu fundo e aplicar em op\u00e7\u00f5es que rendem muito mais!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h4>Usar para quitar d\u00edvidas<\/h4>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, voc\u00ea tamb\u00e9m pode usar o dinheiro do saque-anivers\u00e1rio para quitar d\u00edvidas ou at\u00e9 amortizar algum financiamento.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, ele pode ser utilizado como um dinheiro extra que ajuda nas contas do m\u00eas.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Kekurangan<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por mais que o saque-anivers\u00e1rio tenha diversas vantagens, ele tamb\u00e9m pode se tornar uma op\u00e7\u00e3o desvantajosa para algumas pessoas. Veja como abaixo.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h4>Demora para mudar de modalidade<\/h4>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A primeira desvantagem dessa modalidade \u00e9 que, caso o trabalhador se arrependa e queira desistir desse saque, precisar\u00e1 aguardar um per\u00edodo para se desfazer.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, caso voc\u00ea se arrependa, s\u00f3 poder\u00e1 mudar a modalidade de saque ap\u00f3s dois anos com ela.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h4>Seu fundo ficar\u00e1 limitado<\/h4>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, ao optar pelo saque-anivers\u00e1rio, o saldo total da sua conta ficar\u00e1 comprometido em casos de demiss\u00f5es sem justa causa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No saque-rescis\u00e3o, o trabalhador que era demitido sem justa causa conseguia acessar o valor total do fundo mais as multas rescis\u00f3rias.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, quem optar pelo saque-anivers\u00e1rio poder\u00e1 acessar somente a multa de 40% e os demais direitos. No entanto, o valor total do fundo n\u00e3o poder\u00e1 ser acessado.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Como optar pelo saque-anivers\u00e1rio?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Saiba como aderir a essa op\u00e7\u00e3o. Fonte: Pexels.\"  id=\"75677\" src=\"https:\/\/cdn.adtechpanda.com\/6348f919-b168-4bae-85cd-1f4374fc91cf\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Saiba como aderir a essa op\u00e7\u00e3o. Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para quem j\u00e1 considerou os pr\u00f3s e os contras dessa modalidade e decidiu aderir a esse saque, saiba que o processo \u00e9 muito simples e pode ser feito de forma online.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, voc\u00ea s\u00f3 precisa entrar no aplicativo do FGTS, criar uma conta caso ainda n\u00e3o tenha e clicar na op\u00e7\u00e3o de aderir ao saque-anivers\u00e1rio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ao fazer isso, a op\u00e7\u00e3o estar\u00e1 ativa na sua conta e voc\u00ea j\u00e1 poder\u00e1 acessar o valor do fundo uma vez ao ano.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, se quiser conhecer melhor a modalidade de empr\u00e9stimo de antecipa\u00e7\u00e3o do FGTS, acesse o conte\u00fado recomendado abaixo.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1yRfOe\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/id\/antecipar-fgts-pelo-bmg\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como antecipar FGTS pelo BMG?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/a2b24fb7-137f-4f29-872a-da19ec81ae57\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/id\/antecipar-fgts-pelo-bmg\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como antecipar FGTS pelo BMG?\">\n            Como antecipar FGTS pelo BMG? 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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/antecipar-fgts-pelo-bmg\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Teruslah Membaca                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan tetap berada di situs web yang sama              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>O saque-anivers\u00e1rio permite que voc\u00ea tenha acesso a uma parcela do seu fundo de garantia no m\u00eas de seu anivers\u00e1rio. Mas, antes de aderir, \u00e9 importante saber se essa op\u00e7\u00e3o \u00e9 interessante para voc\u00ea. Confira aqui!<\/p>","protected":false},"author":31,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2613],"tags":[4036,3941,3940,2595],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Saque-anivers\u00e1rio: o que \u00e9 e como optar por ele? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Saiba tudo sobre o saque-anivers\u00e1rio e seu funcionamento neste post para ver se ele \u00e9 uma op\u00e7\u00e3o vantajosa para voc\u00ea aderir!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/id\/saque-aniversario\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Saque-anivers\u00e1rio: o que \u00e9 e como optar por ele?\" \/>\n<meta property=\"og:description\" content=\"Saiba tudo sobre o saque-anivers\u00e1rio e seu funcionamento neste post para ver se ele \u00e9 uma op\u00e7\u00e3o vantajosa para voc\u00ea aderir!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/id\/saque-aniversario\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-05T12:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-07T17:19:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.adtechpanda.com\/4609d711-562f-4eda-b05d-667f5a3ff1a5\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Leticia Jord\u00e3o\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/senhorpanda.com\/#website\",\"url\":\"https:\/\/senhorpanda.com\/\",\"name\":\"Senhor Panda\",\"description\":\"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/senhorpanda.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"id-ID\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"id-ID\",\"@id\":\"https:\/\/senhorpanda.com\/saque-aniversario\/#primaryimage\",\"url\":\"https:\/\/cdn.adtechpanda.com\/4609d711-562f-4eda-b05d-667f5a3ff1a5\/\",\"contentUrl\":\"https:\/\/cdn.adtechpanda.com\/4609d711-562f-4eda-b05d-667f5a3ff1a5\/\",\"width\":1920,\"height\":1280,\"caption\":\"Mulher segurando v\u00e1rias notas de dinheiro em formato de leque em frente ao seu rosto\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/senhorpanda.com\/saque-aniversario\/#webpage\",\"url\":\"https:\/\/senhorpanda.com\/saque-aniversario\/\",\"name\":\"Saque-anivers\u00e1rio: o que \u00e9 e como optar por ele? - Senhor Panda\",\"isPartOf\":{\"@id\":\"https:\/\/senhorpanda.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/senhorpanda.com\/saque-aniversario\/#primaryimage\"},\"datePublished\":\"2022-12-05T12:00:00+00:00\",\"dateModified\":\"2022-12-07T17:19:55+00:00\",\"author\":{\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/4fdd6eccb5b8b89eaf1e18e50ffa172d\"},\"description\":\"Saiba tudo sobre o saque-anivers\u00e1rio e seu funcionamento neste post para ver se ele \u00e9 uma op\u00e7\u00e3o vantajosa para voc\u00ea aderir!\",\"breadcrumb\":{\"@id\":\"https:\/\/senhorpanda.com\/saque-aniversario\/#breadcrumb\"},\"inLanguage\":\"id-ID\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/senhorpanda.com\/saque-aniversario\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/senhorpanda.com\/saque-aniversario\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/senhorpanda.com\/id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Saque-anivers\u00e1rio: o que \u00e9 e como optar por ele?\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/4fdd6eccb5b8b89eaf1e18e50ffa172d\",\"name\":\"Leticia Jord\u00e3o\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"id-ID\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/7cd430a4a8f62095715d687ff93f7559?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/7cd430a4a8f62095715d687ff93f7559?s=96&d=mm&r=g\",\"caption\":\"Leticia Jord\u00e3o\"},\"description\":\"Ol\u00e1! 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