DINHEIRO NA MÃO EM MINUTOS! COMO SACAR O FGTS [PASSO A PASSO RÁPIDO E ATUALIZADO]

Summary

The video explains how people in Brazil who have worked with a formal job contract might have a hidden amount of money in their FGTS account that they can access more easily now. It discusses the option of early withdrawal through a process called 'FGTS anticipation,' which allows faster access to funds without upfront fees. The speaker highlights how this method can help cover expenses or make investments, guiding viewers on how to check their balance and proceed with the withdrawal. The video also promotes the services of Novo Horizonte to assist in the process.

Takeaways

• 💸 If you’ve worked or currently work with a signed work card in Brazil, you may have hidden money in your FGTS account that you can withdraw.
• 🎂 Since 2019, Brazilian workers can now withdraw part of their FGTS during their birthday month, which was previously only possible under special conditions like illness or financing.
• 🚀 The process has been simplified with the introduction of FGTS anticipation, allowing you to access your money quickly for purchases, investments, or other needs.
• 📲 You can simulate the amount available for withdrawal through apps like the Caixa Econômica Federal's official FGTS app or by contacting companies that assist with this process.
• 💼 The FGTS anticipation works like a loan against your future birthday withdrawals, with the money made available upfront, while the company facilitating the process receives your future birthday withdrawals.
• 📉 The interest rate for the anticipation service has been reduced from 1.99% to 1.79% per month.
• 💰 The interest is not paid monthly but directly deducted from your future FGTS withdrawals, making it more convenient.
• 📝 To use this service, you need to authorize your FGTS withdrawal through the app and allow the facilitating company to access your account for the anticipation.
• 📈 The amount available for anticipation can be as low as R$200, and the process is fast, with funds sent to your account via PIX within minutes.
• 🔔 The script emphasizes that the process is safe, licensed by the Central Bank, and offers a convenient way to access funds early, without the hassle of traditional loans.

Q & A

What is the main topic of the video?

The video discusses how Brazilians who have worked with a signed employment contract (carteira assinada) can access a portion of their FGTS (Guarantee Fund for Length of Service) during their birthday month, and how to anticipate this withdrawal through a service provided by Novo Horizonte.

What is the FGTS, and how is it typically accessed?

The FGTS is a fund that employers contribute to monthly, and it is typically accessed in specific cases such as illness, financing a house, or retirement. However, since 2019, Brazilians can also withdraw part of it during their birthday month.

What is the 'FGTS anticipation' service mentioned in the video?

The 'FGTS anticipation' service allows people to access their FGTS balance ahead of their birthday month through a financial company like Novo Horizonte. This process lets them withdraw money quickly, which is otherwise locked in the fund.

What are the typical uses for the anticipated FGTS funds?

The anticipated FGTS funds can be used for various purposes, such as buying a car, a cell phone, making a down payment on a house, or paying off bills.

How does Novo Horizonte’s FGTS anticipation process work?

Novo Horizonte provides a simulation to show how much money you can receive from your FGTS. Once approved, they advance you the amount, and the repayment is deducted from future FGTS withdrawals during your birthday months, with a small interest fee.

What are the interest rates for the FGTS anticipation, and how do they compare to traditional loans?

Novo Horizonte charges a monthly interest rate of 1.79% for the FGTS anticipation, which is lower than traditional loans. The interest is deducted directly from your future FGTS balance, not your monthly income.

What are the steps to access your FGTS balance through the Caixa Econômica Federal app?

You need to download the official FGTS app from Caixa Econômica Federal. After logging in, your FGTS balance will be displayed. To activate the birthday withdrawal, you click on the 'Saque Aniversário' option in the app and authorize the process.

What are the benefits of using the FGTS anticipation service instead of leaving the funds in the account?

The benefit of using the FGTS anticipation is that you can access money quickly, which may help with urgent needs. On the other hand, leaving the funds in the account would allow them to accumulate interest, but at a slower rate (around 3% per year).

Is the FGTS anticipation service considered a loan?

Technically, it is a loan, but it differs from traditional loans because you are borrowing against your own future FGTS balance, and the repayment comes directly from future FGTS withdrawals, not your monthly income.

What changes have been made to the Novo Horizonte FGTS anticipation service recently?

Recently, Novo Horizonte reduced their interest rates from 1.99% to 1.79% per month and lowered the minimum balance requirement from R$300 to R$200 for users to qualify for the anticipation service.