{"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\/ro\/saque-aniversario\/","title":{"rendered":"Retragerea zilei de na\u0219tere: ce este \u0219i cum s\u0103 optezi pentru ea?"},"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\">Accesa\u021bi p\u00e2n\u0103 la 50% din suma dvs. FGTS o dat\u0103 pe an cu aceast\u0103 modalitate<\/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\" >Vezi cum func\u021bioneaz\u0103 \u00een practic\u0103 retragerea zilei de na\u0219tere Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Retragerea zilei de na\u0219tere este o nou\u0103 form\u0103 de retragere pe care guvernul le-a permis lucr\u0103torilor s\u0103 o aib\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Din acesta, pute\u021bi accesa o sum\u0103 bun\u0103 din fondul dumneavoastr\u0103 de garan\u021bie \u00een fiecare an f\u0103r\u0103 a fi nevoie s\u0103 justifica\u021bi utilizarea.<\/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\/ro\/como-sacar-o-fgts\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 retragi FGTS \u00een 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\/ro\/como-sacar-o-fgts\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 retragi FGTS \u00een 2022\">\n            Cum s\u0103 retragi FGTS \u00een 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            Vezi aici cum s\u0103 accesezi soldul fondului t\u0103u de garantare!\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\/ro\/como-sacar-o-fgts\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <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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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\/ro\/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                Cum s\u0103 retragi FGTS \u00een 2022              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/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                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/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>Astfel, o dat\u0103 pe an, lucr\u0103torul poate c\u00e2\u0219tiga o sum\u0103 suplimentar\u0103 de bani \u0219i apoi o poate folosi pentru a pl\u0103ti datorii, pentru a pl\u0103ti facturi sau chiar pentru a-\u0219i cump\u0103ra un cadou special pentru ziua de na\u0219tere!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen urm\u0103toarea postare, vei afla mai multe despre aceast\u0103 op\u021biune de retragere \u0219i vei putea, de asemenea, s\u0103 analizezi dac\u0103 este cu adev\u0103rat avantajoas\u0103.<\/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>Ce este o retragere de ziua de na\u0219tere?<\/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\" >Afla\u021bi mai multe despre aceast\u0103 modalitate de retragere. Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe scurt, retragerea zilei de na\u0219tere este o modalitate care permite lucr\u0103torului s\u0103 acceseze o parte din soldul s\u0103u FGTS o dat\u0103 pe an, \u00een luna zilei de na\u0219tere.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acesta a fost creat din Legea 13.932\/19 din iulie 2019 pentru ca mai mul\u021bi lucr\u0103tori din \u021bar\u0103 s\u0103 aib\u0103 acces u\u0219or la soldul fondului lor \u0219i s\u0103 poat\u0103 folosi banii \u00een obiectivele lor principale.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si anume, retragerea aniversara s-a nascut a fi o alta optiune de retragere alaturi de retragerea de incetare, aceasta din urma accesata de lucrator atunci cand a fost concediat fara motiv intemeiat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest fel, \u00eentruc\u00e2t retragerea zilei de na\u0219tere este o op\u021biune suplimentar\u0103, este o alternativ\u0103 op\u021bional\u0103 de retragere la care lucr\u0103torul are dreptul de a decide dac\u0103 s\u0103 adere sau nu.<\/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\/ro\/como-receber-saque-fgts\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 primi\u021bi retragerea de ziua 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\/ro\/como-receber-saque-fgts\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 primi\u021bi retragerea de ziua FGTS\">\n            Cum s\u0103 primi\u021bi retragerea de ziua 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            Afla\u021bi aici cum s\u0103 opta\u021bi pentru aceast\u0103 modalitate \u0219i astfel primi\u021bi o sum\u0103 \u00een plus o dat\u0103 pe an!        <\/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\/ro\/como-receber-saque-fgts\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <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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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\/ro\/como-receber-saque-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\/014aa7cd-3fe0-4b43-a0bd-1b9f8e42606b\/\">          \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                Cum s\u0103 primi\u021bi retragerea de ziua FGTS              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-receber-saque-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                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\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>Cum func\u021bioneaz\u0103 acest beneficiu?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Practic, opera\u021biunea retragerii zilei de na\u0219tere este foarte simpl\u0103. De acolo, lucr\u0103torul poate retrage o parte din valoarea sa din fondul s\u0103u \u0219i o poate transfera direct \u00een contul s\u0103u bancar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen principiu, pentru a efectua opera\u021biunea, nu este necesar s\u0103 spunem cum vor fi folosi\u021bi banii. Doar transfera\u021bi-l \u00een contul dvs. sau retrage\u021bi numerar \u0219i utiliza\u021bi-l a\u0219a cum dori\u021bi.<\/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>C\u00e2t de mult po\u021bi primi ca retragere de ziua de na\u0219tere?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen ceea ce prive\u0219te suma care poate fi retras\u0103, este important s\u0103 \u021bine\u021bi cont c\u0103 totul depinde de suma pe care o ave\u021bi \u00een fond.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i anume, suma de retragere de ziua de na\u0219tere este format\u0103 dintr-un procent din soldul t\u0103u plus o rat\u0103 suplimentar\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a \u00een\u021belege mai bine sumele de retras, pute\u021bi verifica tabelul de mai jos care arat\u0103 procentul care poate fi retras conform intervalului de sold din fondul dumneavoastr\u0103 de garantare.<\/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>intervalul de echilibru<\/strong><\/td><td><strong>Alicot<\/strong><\/td><td><strong>rat\u0103 suplimentar\u0103<\/strong><\/td><\/tr><tr><td>P\u00e2n\u0103 la R$ 500,00<\/td><td>50%<\/td><td>&#8211;<\/td><\/tr><tr><td>De la R$ 501,00 p\u00e2n\u0103 la R$ 1.000,00<\/td><td>40%<\/td><td>R$ 50,00<\/td><\/tr><tr><td>De la R$ 1.001,00 p\u00e2n\u0103 la R$ 5.000,00<\/td><td>30%<\/td><td>R$ 150,00<\/td><\/tr><tr><td>De la R$ 5.001,00 p\u00e2n\u0103 la R$ 10.000,00<\/td><td>20%<\/td><td>R$ 650,00<\/td><\/tr><tr><td>De la R$ 10.001,00 p\u00e2n\u0103 la R$ 15.000,00<\/td><td>15%<\/td><td>R$ 1150,00<\/td><\/tr><tr><td>De la R$ 15.001,00 p\u00e2n\u0103 la R$ 20.000,00<\/td><td>10%<\/td><td>R$ 1.900,00<\/td><\/tr><tr><td>Peste R$ 20.001,00<\/td><td>5%<\/td><td>R$ 2.900,00<\/td><\/tr><\/tbody><\/table><figcaption>Acestea sunt sumele care pot fi eliberate. Sursa: Box.<\/figcaption><\/figure>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a exemplifica mai bine, s\u0103 presupunem c\u0103 ave\u021bi 500,00 R$ \u00een valoare total\u0103 \u00een fond. Astfel, atunci c\u00e2nd opta\u021bi pentru retragerea zilei de na\u0219tere, ve\u021bi putea accesa R$ 250.00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar, dac\u0103 ave\u021bi un sold de R$ 3.000,00, pute\u021bi accesa R$ 1.050,00, care sunt forma\u021bi din R$ 900,00 (30% din R$ 3.000,00) \u0219i o por\u021biune suplimentar\u0103 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>Care este perioada de plat\u0103?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, perioada de retragere pentru aceast\u0103 modalitate este de p\u00e2n\u0103 la 3 luni \u00eencep\u00e2nd din luna zilei de na\u0219tere. Astfel, dac\u0103 te-ai n\u0103scut \u00een decembrie, te po\u021bi retrage din decembrie p\u00e2n\u0103 \u00een februarie.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar, pute\u021bi l\u0103sa \u0219i plata automat\u0103 de retragere. \u00cen acest fel, Caixa v\u0103 va transfera automat suma retragerii dvs. \u00een luna zilei de na\u0219tere.<\/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>Cine are dreptul la beneficiu?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe scurt, retragerea zilei de na\u0219tere este o modalitate foarte accesibil\u0103 pentru mul\u021bi oameni.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Singura cerin\u021b\u0103 pe care trebuie s\u0103 o \u00eendeplini\u021bi este s\u0103 ave\u021bi un sold \u00een FGTS disponibil pentru retragere. Cu aceasta, po\u021bi s\u0103 te \u00eenscrii \u00een aceast\u0103 modalitate \u0219i s\u0103 accesezi astfel o parte din fond o dat\u0103 pe an.<\/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>Merit\u0103 s\u0103 optezi pentru retragerea zilei de na\u0219tere?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oric\u00e2t de mult retragerea zilei de na\u0219tere este o caracteristic\u0103 foarte interesant\u0103 \u0219i ofer\u0103 beneficii bune, trebuie s\u0103 cunoa\u0219te\u021bi avantajele \u0219i dezavantajele particip\u0103rii la ea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, am separat mai jos principalele avantaje \u0219i dezavantaje ale retragerii pentru ca tu s\u0103 o cuno\u0219ti mai bine.<\/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>Beneficii<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Retragerea zilei de na\u0219tere are c\u00e2teva avantaje interesante pe care le pute\u021bi accesa. Cu el, \u00een fiecare an c\u00e2\u0219tigi bani \u00een plus \u0219i \u00eei po\u021bi folosi \u00een diferite scopuri.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, retragerea zilei de na\u0219tere ofer\u0103 acces la o modalitate de creditare cu condi\u021bii mai bune. Afl\u0103 mai multe despre ea mai jos.<\/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>Anticiparea retragerii<\/h4>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u021bi auzit despre anticiparea retragerii zilei de na\u0219tere? Este un tip de credit oferit de mai multe b\u0103nci care v\u0103 permite s\u0103 accesa\u021bi ratele viitoare ale retragerii zilei de na\u0219tere.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i anume, majoritatea institu\u021biilor ofer\u0103 acces la 7 p\u00e2n\u0103 la 10 rate din fondul t\u0103u. Astfel, \u00een loc s\u0103 accesa\u021bi doar o parte din beneficiu, pute\u021bi accesa \u00eentreaga sum\u0103 deodat\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, fiind vorba de un \u00eemprumut, aceast\u0103 opera\u021biune are dob\u00e2nd\u0103 \u00eencorporat\u0103. Dar, acestea sunt mai mici dec\u00e2t alte tipuri de credit.<\/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>Investe\u0219te \u00een op\u021biuni care produc mai mult<\/h4>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Un alt avantaj al opt\u0103rii pentru retragerea zilei de na\u0219tere este c\u0103 po\u021bi folosi banii pentru a investi \u00een titluri cu randament mai mare!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i anume, banii care r\u0103m\u00e2n \u00een FGTS-ul t\u0103u au profit, dar sunt foarte mici.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, opt\u00e2nd pentru aceast\u0103 modalitate, po\u021bi accesa o valoare din fondul t\u0103u \u0219i o po\u021bi aplica op\u021biunilor care produc mult mai mult!<\/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>Utiliza\u021bi pentru a pl\u0103ti datorii<\/h4>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen cele din urm\u0103, pute\u021bi folosi \u0219i banii de retragere de ziua de na\u0219tere pentru a pl\u0103ti datorii sau chiar pentru a amortiza unele finan\u021b\u0103ri.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest fel, poate fi folosit ca bani suplimentari care ajut\u0103 la facturile lunare.<\/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>Dezavantaje<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oric\u00e2t de mult retragerea zilei de na\u0219tere are mai multe avantaje, poate deveni \u0219i o op\u021biune dezavantajoas\u0103 pentru unele persoane. Vezi mai jos cum.<\/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>E timpul s\u0103 schimbi modul<\/h4>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Primul dezavantaj al acestei modalit\u0103\u021bi este c\u0103, dac\u0103 lucr\u0103torul regret\u0103 \u0219i dore\u0219te s\u0103 renun\u021be la acea retragere, va trebui s\u0103 a\u0219tepte o perioad\u0103 pentru a dispune de ea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, dac\u0103 regreta\u021bi, pute\u021bi schimba modul de retragere doar dup\u0103 doi ani cu el.<\/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>Fondul dvs. va fi limitat<\/h4>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen sf\u00e2r\u0219it, atunci c\u00e2nd optezi pentru retragerea zilei de na\u0219tere, soldul total al contului t\u0103u va fi compromis \u00een cazuri de concediere f\u0103r\u0103 just\u0103 cauz\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen reziliere-retragere, lucr\u0103torul care a fost concediat f\u0103r\u0103 just\u0103 cauz\u0103 putea accesa contravaloarea total\u0103 a fondului plus amenzile de \u00eencetare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu toate acestea, cei care opteaz\u0103 pentru retragerea zilei de na\u0219tere pot accesa doar amenda 40% \u0219i alte drepturi. Cu toate acestea, suma total\u0103 a fondului nu poate fi accesat\u0103.<\/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>Cum s\u0103 optezi pentru retragerea zilei de na\u0219tere?<\/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\" >Afla\u021bi cum s\u0103 v\u0103 \u00eenscrie\u021bi la aceast\u0103 op\u021biune. Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru cei care au luat deja \u00een considerare avantajele \u0219i dezavantajele acestei modalit\u0103\u021bi \u0219i au decis s\u0103 se al\u0103ture acestei retrageri, s\u0103 \u0219tie c\u0103 procesul este foarte simplu \u0219i se poate face online.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, trebuie doar s\u0103 intri \u00een aplica\u021bia FGTS, s\u0103-\u021bi creezi un cont dac\u0103 nu ai \u0219i s\u0103 ape\u0219i pe op\u021biunea de a te \u00eenscrie la retragerea zilei de na\u0219tere.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Proced\u00e2nd astfel, op\u021biunea va fi activ\u0103 \u00een contul dvs. \u0219i ve\u021bi putea accesa valoarea fondului o dat\u0103 pe an.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe de alt\u0103 parte, dac\u0103 dori\u021bi s\u0103 afla\u021bi mai multe despre modalitatea de \u00eemprumut \u00een avans FGTS, accesa\u021bi con\u021binutul recomandat de mai jos.<\/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\/ro\/antecipar-fgts-pelo-bmg\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 avansezi FGTS prin 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\/ro\/antecipar-fgts-pelo-bmg\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 avansezi FGTS prin BMG?\">\n            Cum s\u0103 avansezi FGTS prin BMG? 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Dar \u00eenainte de a te \u00eenscrie, este important s\u0103 \u0219tii dac\u0103 aceast\u0103 op\u021biune este interesant\u0103 pentru tine. Verifica\u021bi aici!<\/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\/ro\/saque-aniversario\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\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\/ro\/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\":\"ro-RO\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@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\/18a3eabaab6b876e352ccacdfdd668fb\"},\"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\":\"ro-RO\",\"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\/ro\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Saque-anivers\u00e1rio: o que \u00e9 e como optar por ele?\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/18a3eabaab6b876e352ccacdfdd668fb\",\"name\":\"Leticia Jord\u00e3o\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@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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