AULA 1.21 - POSSO USAR O FGTS PARA ARREMATAR IMÓVEIS [CURSO PREMIUM LEILÃO DA CAIXA 2.0]

Summary

This video script provides an in-depth explanation of how to use FGTS (Severance Indemnity Fund) to bid on properties in Caixa Econômica Federal's auctions. The speaker highlights that FGTS can only be used for personal residence purchases, not for investment properties. Eligibility criteria include having at least three years of FGTS contributions and no active financing. The speaker also discusses property restrictions, such as commercial or rural properties, and advises viewers to check auction details for FGTS eligibility. While using FGTS is possible, it is more suited for individuals looking to buy homes rather than investors.

Takeaways

• 😀 FGTS can be used to purchase properties at Caixa Econômica Federal auctions, but only in specific cases.
• 😀 Using FGTS at auctions is only allowed for properties that meet the Caixa's criteria, and not all properties are eligible.
• 😀 FGTS is often a source of unused funds, especially for people with large balances who are unable to access it easily.
• 😀 To use FGTS for a property auction, you must meet the rule of being a first-time homeowner and using the property for personal use.
• 😀 Investors generally cannot use FGTS for purchasing properties at Caixa auctions due to regulatory restrictions.
• 😀 You must have worked for at least three years under the FGTS system to qualify for using the fund in property purchases.
• 😀 If you have an active financing loan or own any property, you will likely not be eligible to use FGTS for auction purchases.
• 😀 FGTS cannot be used for purchasing commercial or rural properties or vacant land (i.e., land without construction).
• 😀 In some cases, the auction website or editals provide information about whether FGTS can be used for a given property.
• 😀 While it is possible for first-time homebuyers to use FGTS, investors typically encounter barriers in using it for property investments due to regulatory rules.
• 😀 Understanding the specific requirements and reading the Caixa auction rules thoroughly is key to determining if you can use FGTS.

Q & A

What is the main topic of the transcript?

The main topic of the transcript is using the FGTS (Fundo de Garantia do Tempo de Serviço) to purchase properties at Caixa Econômica Federal auctions.

Can FGTS be used to purchase any property in Caixa's auctions?

No, FGTS can generally only be used for purchasing properties for personal residence, not for investment purposes.

What are the eligibility requirements for using FGTS in a Caixa auction?

To use FGTS in a Caixa auction, the buyer must have worked for at least 3 years contributing to the FGTS, not have active financing, and not own another property.

Why can’t investors typically use FGTS in Caixa’s property auctions?

Investors usually cannot use FGTS because the fund is intended for purchasing properties for personal residence. The rules prevent its use for investment purchases.

What are the property types that do not qualify for FGTS usage?

Properties that do not qualify for FGTS usage include commercial properties, rural properties, and undeveloped land.

How can a buyer check if a property accepts FGTS in Caixa's auction platform?

On Caixa's auction platform, buyers can filter for properties that accept FGTS. If this information is not explicitly listed, they can verify by reading the auction's edital (rules).

Can a buyer use FGTS for a property located in a different city from their residence?

No, a buyer cannot use FGTS to purchase a property in a different city unless it is part of the same metropolitan region or closely linked to their current place of residence or employment.

What are some challenges in using FGTS for purchasing properties in Caixa's auctions?

The challenges include strict eligibility criteria, such as not having another property, no active financing, and only being able to use the fund for personal residence. Additionally, some properties, like commercial or rural ones, are not eligible.

What happens if a buyer meets all the criteria but the property still doesn’t accept FGTS?

Even if the buyer meets all criteria, they cannot use FGTS if the property type is not eligible, such as commercial, rural, or undeveloped land.

Is it possible for someone to use their FGTS for an investment property?

It is generally not possible to use FGTS for an investment property. The fund is reserved for purchasing properties for personal use, not for investment purposes.