Hello! In this article, we will talk about how to consult FGTS in a simple and easy way.
In fact, the Severance Pay Guarantee Fund is a right for all workers with a formal employment 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. It is a fund that the employer is required to deposit monthly into an account linked to the employee, corresponding to 8% of the salary.
This money is kept until the worker needs it, whether due to unfair dismissal, serious illness or retirement.
Now, let's get down to business: how to consult FGTS. In fact, there are a few ways to do this, and we’ll explain each one. Stay tuned to learn more!
How to consult FGTS?
From the Caixa Econômica Federal website
The simplest way to consult the FGTS is through the Caixa Econômica Federal website.
To do this, you will need to have your NIS number and a registered password. If you do not have a password, you can create one on the website itself.
With this information in hand, go to the Caixa website, click on “Benefits and programs” and select “FGTS”. Then, enter your NIS and registered password. That’s it! You will have access to the balance of your account linked to the FGTS.
Through the Caixa app
Another option is to use the Caixa app, available for Android and iOS.
The process is similar to that on the website: you will need to have your NIS number and registered password to access your FGTS balance.
In fact, the application also allows you to consult other information, such as the full statement of linked accounts.
Through your bank's internet banking
Some banks also offer the option of checking your FGTS balance via internet banking. In this case, you need to check whether your bank offers this service and follow the instructions in the queries or benefits area.
In person at a Caixa branch
Finally, you can check your FGTS in person at a Caixa branch. To do so, you will need to present a photo ID and your NIS number. This way, the attendant will be able to inform you of the balance in your linked account.
Remembering that it is important to stay up to date with 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 difficult times: 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 real estate, either for full or partial payment of the amount. In addition, 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.
- Improvement in quality of life: The FGTS can be used to carry out renovations or extensions to one's own home, or even to purchase construction materials, which can significantly improve the quality of life of the worker and his/her family.
- 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 Severance Pay 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 funds in specific situations, such as when purchasing a 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.
