The withdrawal anniversary is a modality that allows the worker to annually withdraw a part of the balance of their Severance Indemnity Fund (FGTS).
Currently, this modality is being reconsidered by the Federal Government, which proposes to replace it with a more accessible consigned loan model through E-Social.The government’s new proposal includes the extinction of the withdrawal anniversary to implement a low-interest loan system, called “social consigned loan”.
This system is already available for public servants and INSS beneficiaries but would be expanded to include formally employed workers.
Suggestions for youHow will access to the new loan system workThe specific rules for accessing the new loan system are still being defined.
However, it is known that the system will be operated digitally, including online platforms and E-Social, making it easier for workers to access this new credit option.
The implementation of the new system faces some challenges, including approval in the National Congress and the finalization of access rules for workers who already have loans linked to the FGTS.
Additionally, the government still needs to finalize the digital structure that will allow access to consigned loans.In response to emergency situations, such as natural disasters, FGTS withdrawals are released to help those affected.
Workers can check their eligibility and make the withdrawal through the Caixa Econômica Federal app, respecting specific limits and criteria.To learn more about what to do in case of a calamity, workers can access detailed information in the FGTS app.
The maximum amount allowed per account for withdrawals in calamity situations is R$ 6,220.00. It is essential to check for available balance in the FGTS account before requesting the withdrawal.
The changes proposed by the government in using the FGTS as collateral for consigned loans aim to offer a more advantageous credit alternative for workers, while the feasibility and implementation rules of this new system are still being discussed.
