Hello! In this article, we will talk about how to check FGTS simply and easily.
In fact, the Service Time Guarantee Fund is a right for all workers with a formal contract in Brazil, and it is important to be aware of how to access this information.
To begin with, it is important to understand what the FGTS is. This is a fund that the employer is obliged to deposit monthly into an account linked to the worker, corresponding to 8% of the salary.
This money is saved until the worker needs it, whether due to unfair dismissal, serious illness or retirement.
Now let's get down to business: how to check FGTS. In fact, there are a few ways to do this, and we will explain each of them. Follow to find out more!
How to check FGTS?
Via the Caixa Econômica Federal website
The simplest way to check the FGTS is through the Caixa Econômica Federal website.
To do this, you will need to have your NIS number and a registered password on hand. If you don't have a password, you can create one on the website itself.
With this information in hand, access the Caixa website, click on “Benefits and programs” and select “FGTS”. Then, enter your NIS and registered password. Ready! You will have access to the balance of your account linked to the FGTS.
Via the Caixa app
Another option is to use the Caixa app, available for Android and iOS.
The process is similar to the website: you will need to have your NIS number and password registered to access your FGTS balance.
In fact, the application also allows you to consult other information, such as the complete statement of linked accounts.
Through your bank's internet banking
Some banks also offer the option of checking the FGTS via internet banking. In this case, you need to check if your bank offers this service and follow the instructions in the queries or benefits area.
In person at a Caixa branch
Finally, it is possible to consult the FGTS in person at a Caixa branch. To do this, you will need to present an identification document with a photo and your NIS number. This way, the attendant will be able to inform you of the balance of your linked account.
Remembering that it is important to stay updated on your FGTS balance, especially in times of financial difficulty.
In fact, the money deposited can be used for various purposes, such as paying off debts, buying your own home or investing in a business.
What are the benefits of FGTS?
Among the main benefits of FGTS, we can highlight:
- Guarantee of financial stability in times of difficulty: The FGTS is a form of compulsory savings that can be used in times of financial difficulty, such as unfair dismissal, serious illness or retirement.
- Possibility of purchasing your own home: The FGTS balance can be used to purchase property, whether for full or partial payment of the value. Furthermore, the FGTS can be used as a down payment on real estate financing, making it easier to realize the dream of owning your own home.
- Improved quality of life: The FGTS can be used to carry out renovations or expansions in your own home, or even to purchase construction materials, which can significantly improve the quality of life of workers and their families.
- Investment in business: The FGTS balance can be used to invest in your own business, which can be an interesting option for those who want to undertake and have their own company.
- Increase in assets: As the FGTS is adjusted annually by the Reference Rate (TR) plus interest of 3% per year, it can be a form of long-term investment and increase in the worker's assets.
Conclusion
In conclusion, consulting the Service Time Guarantee Fund (FGTS) is a simple and important task for all Brazilian workers who have a formal employment relationship.
Knowing how to access information about your FGTS balance and statement can help with financial organization and planning for the future.
Furthermore, it is possible to withdraw FGTS in specific situations, such as when purchasing your own home, upon retirement or in the event of unfair dismissal.
Therefore, it is essential to be aware of the deadlines and rules established by the Federal Government to guarantee access to this labor right.
In fact, consulting the FGTS is a simple but essential measure to guarantee the financial protection and well-being of Brazilian workers.
