Recently, Banco Itaú adhered to the anticipation of the FGTS anniversary withdrawal, making the loan available to both account holders and non-account holders of the bank. This benefit is very useful for citizens who, in a time of need, need a little extra as their birthday approaches.
With that in mind, we are going to show you more details about what it is and how the anticipation of the Itaú birthday withdrawal works.
What this article covers:
What is the anticipation of the Itaú birthday withdrawal?
As the name implies, the anticipation of the Itaú birthday withdrawal is a benefit available to account holders and non-account holders at the bank where citizens can, in the month of their birthday, request the anticipation of installments of the annual amount made available by the Fundo de Garantia por Tempo of Service (FGTS).
With the benefit, citizens can withdraw the amount they want, as long as it is available in the fund, and not worry about future installments, but remembering that with this anticipation, when the correct withdrawal period arrives, you will receive the amount discounted.
How does the anticipation of the Itaú birthday withdrawal work?
Citizens can apply for the benefit and have the discount made directly from the FGTS. The money falls into the account within 24 hours after the request and has lower interest rates, as the discount is made directly from the amount available in your fund balance.
Those interested in anticipating the Itaú birthday withdrawal must be between 18 and 70 years old, and can apply through the FGTS application itself, available for Android and IOS, simply by having an available balance of more than R$300.00.
When requesting the anticipation, it is also necessary to authorize the bank check your FGTS, and after that select the “Itaú Consignado” option. After that, access the Itaú application or website and search for the FGTS loan page to do your simulation and thus finalize the transaction, but you must wait for an Itaú specialist to contact you.
What are the benefits of anticipating the Itaú birthday withdrawal?
In addition to the lower interest rates compared to other types of loans, the anticipation of the Itaú birthday withdrawal has less bureaucracy and can be carried out by bank account holders and non-account holders, in addition to being available to people with negative credit.
Another great benefit is in relation to the discount, which, as previously mentioned, is applied directly to the balance available in the FGTS, bringing more peace of mind to citizens who make the request.
The anticipation of the Itaú birthday withdrawal also does not compromise other lines of credit, the user also has full support from the bank’s specialists during the entire phase of the process. When making the withdrawal, the beneficiary can use the money as he wishes, not having to worry about future discounts or installments to pay.
Is there any risk of anticipating the Itaú anniversary withdrawal?
Because it is a benefit with little bureaucracy, extremely practical, and with the discount being applied directly to the balance available to the user in the FGTS, the anticipation of the Itaú birthday withdrawal hardly involves any risk for whoever requests it, especially since there is also a conversation between the interested party and a bank specialist before finalizing the whole process.
In addition, as it is a request that can only be made through the fund application, only the user can request it, as only he has access data to the FGTS account through the application. Therefore, only the interested party has full power over the request.
Being an option for emergency or urgent situations, the anticipation of the Itaú birthday withdrawal is an excellent alternative for citizens who need an extra. But remembering that the anticipated amount is deducted from the total amount, when (if) there is a need to redeem the FGTS.