O FGTS loan is a type of complete credit granting aimed at people who have money in the Guarantee Fund and have already signed up to the Birthday Withdrawal, which has been available since 2020.
Currently, numerous reliable companies offer this type of loan, and Serasa, through a partnership signed with Banco Pan, offers excellent conditions and simplified contracting.
This way, you can have the money you need to pay off debts or make your dreams come true. To find out more about how the service works and how to hire it, continue following us.
How the FGTS loan works
O FGTS loan Serasa works in a simple and practical way. It uses the available balance in the FGTS as a guarantee for granting credit and the interested party can advance up to 10 installments of their Birthday Withdrawal.
Basically, the amount that the worker has deposited in his FGTS is used as a type of guarantee for the loan, which allows for more advantageous conditions, such as lower interest rates and longer payment terms.
When opting for this type of loan, the worker does not need to worry about consulting the SPC or Serasa, since the guarantee is linked to their FGTS. Furthermore, the process is usually faster, as credit analysis is simplified.
Advantages of the FGTS loan
- Lower Interest Rates: as the loan uses the FGTS as collateral, Serasa offers interest rates of 1,29%, which is lower compared to other types of credit;
- No Monthly Installments: the installment amounts will be deducted directly from your FGTS account, annually;
- Ease of Contracting: the FGTS loan contracting process is simple and agile, since the credit analysis is less rigorous due to the guarantee offered by the fund;
- Freedom to Use: use your money however you want, there is no need to prove the reason for hiring the service;
- Available for Negatives: no FGTS loan, there is no CPF consultation with credit protection bodies, so it can be approved even for negative people;
- Fast Money: after your loan is approved, the money will be in your account within one business day.
Who can count on the service
To be able to use the FGTS loan At Serasa, the worker must meet some basic requirements. Check out the main requirements below:
- Be over 18 years of age;
- Have opted for the Birthday Withdrawal;
- Have a balance of R$150,00 or more available in your FGTS account;
- Authorize Banco Pan to consult information regarding your FGTS.
If you have not yet opted for the Birthday Withdrawal, rest assured, as it is possible to carry out the procedure in a simple and uncomplicated way through the FGTS application or website, as well as in person at Caixa branches or Caixa Internet Banking.
How to hire (step by step)
If you are interested in having the FGTS loan offered by Serasa in partnership with Banco Pan, just follow the step by step below:
- Access FGTS application and opt for the Birthday Withdrawal, if you have not yet completed this process;
- Accept the terms and conditions and grant authorization to consult your FGTS;
- Once this is done, go to “Birthday Withdrawal Loan” and then authorize Banco Pan to consult your FGTS data;
- Now access Serasa Crédito and log in. If this is your first access, just register;
- On the home screen, select “Request personal loan” and then “Loan with FGTS advance”;
- start to simulate FGTS loan informing the loan amount and then tap “Search offers”;
- See all available offers and choose the “Loan with FGTS advance” option through Banco Pan;
- Make the request and provide your bank details to deposit the amount you are interested in;
- Ready! Now just wait for the bank to analyze your request, and if everything is ok, the money will arrive in your account within 1 day.
Final considerations
In summary, the FGTS loan Serasa is an interesting option for those who need immediate financial resources and have an available FGTS balance.
With lower interest rates and longer payment terms, this type of credit can be an advantageous solution for several situations.
However, it is important to carefully evaluate the conditions offered by each financial institution and ensure that the loan is truly suited to the worker's needs and possibilities.
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