Workers with a monthly income of up to R$2,640 will be able to use the resources to purchase new and used properties through Minha Casa, Minha Vida
A Caixa Economica Federal the negotiation of real estate financing operations guaranteed by future deposits by the will begin in April Service Time Guarantee Fund (FGTS), called FGTS Futuro. According to the bank, the new contractual form will be available within 15 days.
Workers with a monthly income of up to R$ 2,640 can use FGTS Futuro and the resources can guarantee the acquisition of new and used properties through the My home, my lifehousing program of federal governmentwhich is managed almost exclusively by the public bank.
The account holder must authorize, at the time of obtaining credit, the deposit of available credits into FGTS accounts for a period of 120 months. Authorization can be done through the fund’s app, where it is now possible to authorize banks to consult the balances that workers have in their accounts.
In the process, Caixa will inform the worker of his ability to pay the financing, with and without the use of future deposits. If you choose to use FGTS Futuro, the amounts will be blocked on the linked account until the balance due is paid in full. The option to take advantage of FGTS Futuro can only be made at the time of stipulating the loan.
In the event of dismissal, the worker will not be able to withdraw the balance committed to financing the property. The surplus available in the account is used to reduce the debt, with the exception of the 40% fine in case of dismissal, which the worker will be able to access.
“This is an unprecedented and extremely important initiative to increase access to housing for the families who need it most,” Caixa’s vice-president of housing, Inês Magalhães, said in a statement. The bank and the government hope that the guarantee through FGTS Futuro will increase the ability of low-income families to purchase property.
The use of FGTS Futuro was approved on Tuesday 26th by the fund’s Board of Trustees.
Source: Terra
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