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FGTS Advance: See What the Requirements Are

With the FGTS Birthday Withdrawal Advance, you can advance your benefit up to 10 years. Credit is quick and easy, without bureaucracy! You can make advance payments using just your cell phone, come check it out!

A FGTS anticipation, also known as FGTS Birthday Withdrawal Advance, is a financial option offered by Caixa Econômica Federal and other authorized financial institutions, where the worker can advance up to ten years of their FGTS Birthday Withdrawal.

You can make this advance from the comfort of your home to obtain the credit you need to make your dreams come true. To access the service, you must first know the requirements, limits and conditions and other details.

Through this article, you will know everything you need to request an advance FGTS withdrawal. Don't waste any more time!

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How to anticipate FGTS withdrawal

to hire the FGTS anticipation, the worker must follow a few simple steps:

  • Research institutions: start by researching the financial institutions that offer this service. Always choose known and reputable companies to avoid scams;
  • Necessary documentation: gather the necessary documentation, which may include copies of your ID, CPF, proof of residence, work card and FGTS extract;
  • Request: Access the chosen financial institution and request the FGTS Advance. It is important to provide all documents and information requested by the bank;
  • Credit assessment: the financial institution will carry out a credit assessment to determine whether the worker meets the necessary requirements for advance payment;
  • Signing the contract: if approved, the worker must sign the contract, which will specify the conditions of the loan, including interest rates and terms;
  • Receipt of the amount: after approval and signing of the contract, the advance amount will be deposited into the worker's account.

In summary, the FGTS anticipation it can be a viable option for those who need money quickly and do not wish to resort to more traditional loans. 

Limits and conditions

A FGTS anticipation It has some limits and conditions that must be observed by the worker before contracting the service. Some of the key points to consider include:

  • The minimum amount determined to obtain the loan is R$500,00 and the amount referring to each withdrawal must also be equal to or greater than R$200,00;
  • Credit is subject to approval, that is, the financial institution that offers the service will analyze your case individually to determine whether or not it will release the service according to your credit profile.


In order to request the FGTS anticipation, the worker must meet some basic requirements, which may vary depending on the financial institution, but generally include:

  • Be over 18 years old or emancipated;
  • Have opted for the Birthday Withdrawal and authorize the financial institution of your choice to consult information related to your FGTS;
  • Have a sufficient available balance in the FGTS to make the advance payment, within the minimum values ​​already mentioned in this post;
  • Have a regular CPF at the IRS.

These requirements are general and it is important to check whether the financial institution you chose to make the advance payment does not have other specific requirements.

FGTS balance blocking

It is important to highlight that the FGTS anticipation implies blocking the advance amount in the Service Time Guarantee Fund account. This means that the worker will not be able to withdraw this amount while paying the loan.

Only after full payment of the installments will the balance become available for withdrawal again. It is worth remembering that payment is automatic, being automatically deducted from your FGTS in the month of your birthday.

Main advantages FGTS anticipation

A FGTS anticipation can offer some interesting advantages for workers who need money quickly. Some of the key advantages include:

  • Speed: the process of requesting and releasing the amount is generally quick, which can be crucial in financial emergency situations;
  • Without consulting the SPC/Serasa: many institutions do not consult the Credit Protection Service (SPC) or Serasa to approve the FGTS Advance, which facilitates access to this type of loan for people with name restrictions;
  • Flexibility: the advance amount can be used in any way the worker prefers, whether to pay off debts, invest in education, make an important purchase or any other purpose.
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Barbara Silva

I am a writer passionate about words and the art of communicating ideas. With a versatile skill set and a curious mind, I have a talent for transforming complex topics into accessible and engaging content. My work covers a wide range of subjects, from technology and business to travel and lifestyle. With a creative approach and an open mind, I constantly seek to challenge myself and explore new perspectives, offering readers an informative and inspiring experience in each text produced.

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