{"id":814,"date":"2022-07-27T18:41:36","date_gmt":"2022-07-27T21:41:36","guid":{"rendered":"https:\/\/loitlegal.com.br\/blog\/?p=814"},"modified":"2022-08-17T19:12:55","modified_gmt":"2022-08-17T22:12:55","slug":"como-antecipar-saque-aniversario","status":"publish","type":"post","link":"https:\/\/loitlegal.com.br\/blog\/como-antecipar-saque-aniversario\/","title":{"rendered":"Como antecipar o saque anivers\u00e1rio?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"814\" class=\"elementor elementor-814\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f87e44d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f87e44d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bcfcf2e\" data-id=\"bcfcf2e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f5c742a elementor-widget elementor-widget-text-editor\" data-id=\"f5c742a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">O <a href=\"https:\/\/loitlegal.com.br\/blog\/saque-aniversario-como-funciona-como-aderir\/\" target=\"_blank\" rel=\"noopener\">Saque Anivers\u00e1rio<\/a> \u00e9 uma modalidade de saque do FGTS que permite acesso anual a parte do saldo dispon\u00edvel no Fundo, no m\u00eas do anivers\u00e1rio. Ao optar por esse formato, deixa de ter acesso ao Saque Rescis\u00e3o, modalidade padr\u00e3o que disponibiliza o saldo em caso de demiss\u00e3o sem justa causa.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Por meio dessa modalidade, o trabalhador pode ter acesso de maneira mais facilitada aos valores do Fundo de Garantia do Tempo de Servi\u00e7o, e com isso, uma gama de oportunidades se abre para a utiliza\u00e7\u00e3o dos valores. Entre as possibilidades, a Antecipa\u00e7\u00e3o do Saque Anivers\u00e1rio. Entenda o que \u00e9, como funciona o adiantamento e quem pode antecipar.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f005b4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f005b4c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-77b8450\" data-id=\"77b8450\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-590ff9e elementor-widget elementor-widget-table-of-contents\" data-id=\"590ff9e\" data-element_type=\"widget\" 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.elementor-toc__list-wrapper{margin-top:.5em;margin-left:var(--nested-list-indent,1em)}.elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}.elementor-toc__list-item-text-wrapper{display:-webkit-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-ms-flex-align:center;align-items:center}.elementor-toc__list-item-text-wrapper:before,.elementor-toc__list-item-text-wrapper i{margin-right:8px;color:var(--marker-color)}.elementor-toc__list-item-text-wrapper svg{margin-right:8px;fill:var(--marker-color);height:var(--marker-size,.5em);width:var(--marker-size,.5em)}.elementor-toc__list-item-text-wrapper i{font-size:var(--marker-size,.5em)}.elementor-toc__list-item-text-wrapper:before{font-size:var(--marker-size,1em)}.elementor-toc--content-ellipsis .elementor-toc__list-item-text{white-space:nowrap;overflow:hidden;-o-text-overflow:ellipsis;text-overflow:ellipsis}.elementor-toc__list-items--collapsible>.elementor-toc__list-wrapper>.elementor-toc__list-item>.elementor-toc__list-wrapper{display:none}.elementor-toc__heading-anchor{position:absolute}.elementor-toc__body .elementor-toc__list-item-text{color:var(--item-text-color);-webkit-text-decoration:var(--item-text-decoration);text-decoration:var(--item-text-decoration)}.elementor-toc__body .elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__body .elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}ol.elementor-toc__list-wrapper{counter-reset:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item{counter-increment:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item-text-wrapper:before{content:counters(item,\".\") \". \"}<\/style>\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tNeste texto, voc\u00ea vai saber:\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-toc__body elementor-toc__list-items--collapsible\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b58624b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b58624b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9899713\" data-id=\"9899713\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dbcdc63 elementor-widget elementor-widget-text-editor\" data-id=\"dbcdc63\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Como funciona a antecipa\u00e7\u00e3o do FGTS? <\/b><\/h2><p><span style=\"font-weight: 400;\">Funcionando de maneira muito semelhante a um empr\u00e9stimo consignado, <\/span><span style=\"font-weight: 400;\">a antecipa\u00e7\u00e3o Saque Anivers\u00e1rio \u00e9 um tipo de <strong>empr\u00e9stimo<\/strong>, onde o banco escolhido pelo contribuinte adianta o valor correspondente a algumas parcelas, e em contrapartida, bloqueia esse valor do saldo da conta, como garantia.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">O valor anual do saque do FGTS \u00e9 calculado com base no saldo da conta, onde cada faixa de saldo consegue sacar determinada porcentagem, de 5% a 50%, acrescido de uma parcela adicional fixa. O valor que poder\u00e1 ser pleiteado aos bancos depender\u00e1 desse saldo.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Diversos bancos oferecem essa modalidade de empr\u00e9stimo, com op\u00e7\u00f5es que variam de 1 a 7 parcelas e taxa de juros girando em torno de 1,49% a 1,89% ao m\u00eas, bem abaixo do juro m\u00e9dio do cr\u00e9dito pessoal, de 5,18% ao m\u00eas.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdd1426 elementor-widget elementor-widget-text-editor\" data-id=\"bdd1426\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Como solicitar a antecipa\u00e7\u00e3o do Saque Anivers\u00e1rio?<\/b><\/h2><p><span style=\"font-weight: 400;\">O primeiro passo \u00e9 aderir \u00e0 modalidade de Saque Anivers\u00e1rio, caso ainda n\u00e3o tenha aderido. <\/span><span style=\"font-weight: 400;\">A solicita\u00e7\u00e3o pode ser feita a qualquer tempo, mas para produzir efeitos no ano vigente, deve ser feita entre o primeiro e o \u00faltimo dia \u00fatil do m\u00eas do anivers\u00e1rio.\u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Basta seguir o passo a passo:\u00a0<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acessar o aplicativo FGTS ou o site fgts.caixa.gov.br;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clicar em \u201cMeu FGTS\u201d e acessar a aba \u201cSaque-anivers\u00e1rio\u201d;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ler e concordar com os termos e condi\u00e7\u00f5es;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clicar em \u201caderir ao saque-anivers\u00e1rio\u201d;<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Em seguida, \u00e9 preciso autorizar, tamb\u00e9m pelo aplicativo ou site do FGTS, quais institui\u00e7\u00f5es financeiras podem ter acesso \u00e0s informa\u00e7\u00f5es do seu FGTS. Essa autoriza\u00e7\u00e3o \u00e9 necess\u00e1ria para que possa haver a consulta dos dados e avalia\u00e7\u00e3o acerca da possibilidade e condi\u00e7\u00f5es do empr\u00e9stimo.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">A autoriza\u00e7\u00e3o de acesso aos dados pode ser feita para at\u00e9 10 bancos diferentes e voc\u00ea deve buscar os da sua prefer\u00eancia para realizar a simula\u00e7\u00e3o. Cada banco possui os pr\u00f3prios procedimentos, mas atualmente muitos t\u00eam facilitado essa solicita\u00e7\u00e3o pela via digital, via internet banking ou aplicativo.\u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Os tr\u00e2mites n\u00e3o costumam demorar, e envolvem como etapas, al\u00e9m da simula\u00e7\u00e3o, a an\u00e1lise financeira, proposta, assinatura do contrato, e por fim, dep\u00f3sito do valor.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-253619a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"253619a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d0695a\" data-id=\"7d0695a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad6f01e content-align-cta-center elementor-widget elementor-widget-eael-cta-box\" data-id=\"ad6f01e\" data-element_type=\"widget\" data-widget_type=\"eael-cta-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"eael-call-to-action cta-basic bg-lite cta-preset-1\">\n        <h3 class=\"title\">Quer se manter atualizado sobre seus direitos?<\/h3><p><p>Receba nossa newsletter<\/p><\/p><a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjI3NCIsInRvZ2dsZSI6ZmFsc2V9\" class=\"cta-button  \">Cadastre-se<\/a>\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-452926f3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"452926f3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f254921\" data-id=\"2f254921\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77442984 elementor-widget elementor-widget-text-editor\" data-id=\"77442984\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Quem n\u00e3o tem conta na Caixa pode antecipar o saque anivers\u00e1rio?<\/b><\/h2><p><span style=\"font-weight: 400;\">A Caixa Econ\u00f4mica Federal \u00e9 o agente operador do Fundo de Garantia por Tempo de Servi\u00e7o, e, previsto em lei, os patr\u00f5es devem depositar mensalmente o correspondente a 8% do sal\u00e1rio do empregado. Por conta disso, muitos trabalhadores associam o FGTS \u00e0s opera\u00e7\u00f5es do banco. Acontece que a conta que recebe tais valores \u00e9 uma Conta Poupan\u00e7a Social e n\u00e3o pode operar demais produtos financeiros do banco, tal como o adiantamento do saque anivers\u00e1rio.<\/span><\/p><p><span style=\"font-weight: 400;\">Ou seja, ainda que o banco escolhido para a antecipa\u00e7\u00e3o seja a Caixa, o trabalhador estar\u00e1 abrindo uma conta para a transa\u00e7\u00e3o, diferente da conta do Fundo. Dessa forma, \u00e9 poss\u00edvel optar por qualquer outra institui\u00e7\u00e3o financeira credenciada para a opera\u00e7\u00e3o.<\/span><\/p><p><span style=\"font-weight: 400;\">A Antecipa\u00e7\u00e3o Saque Anivers\u00e1rio \u00e9 uma forma de conseguir cr\u00e9dito com juro menor, mas nem sempre pode ser uma op\u00e7\u00e3o vantajosa, pois bloqueia o saldo que poderia servir para uma emerg\u00eancia, al\u00e9m de ser a contrata\u00e7\u00e3o de uma d\u00edvida. Em contrapartida, funciona muito bem para quita\u00e7\u00e3o de uma d\u00edvida que possui juros mais altos.<\/span><\/p><p><span style=\"font-weight: 400;\">De toda forma, a escolha \u00e9 pessoal e deve ser pensada para n\u00e3o interferir negativamente nas finan\u00e7as, atuais e futuras.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-077e405 elementor-widget elementor-widget-text-editor\" data-id=\"077e405\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>Voc\u00ea sabia que pode solicitar a revis\u00e3o da corre\u00e7\u00e3o monet\u00e1ria do seu FGTS?<\/h2><p>Sim, existe uma a\u00e7\u00e3o, que aguarda julgamento pelo STF, que pleiteia a altera\u00e7\u00e3o do fator de corre\u00e7\u00e3o monet\u00e1ria do saldo das contas do FGTS de TR para outro, que esteja mais pr\u00f3ximo da infla\u00e7\u00e3o.<\/p><p>Desde 1999, foram poucos os per\u00edodos em que a corre\u00e7\u00e3o monet\u00e1ria do fundo superou a infla\u00e7\u00e3o. Como consequ\u00eancia, todo trabalhador, que tenha direito ao fundo, perdeu patrim\u00f4nio.\u00a0<\/p><p>Entenda mais detalhes sobre a <a href=\"https:\/\/loitlegal.com.br\/blog\/o-que-e-revisao-do-fgts\/\" target=\"_blank\" rel=\"noopener\">a\u00e7\u00e3o de revis\u00e3o do FGTS<\/a>, e conte com a LOIT para te auxiliar nesse processo.<\/p><p>\u00a0<\/p><p>LOIT. Seu por direito.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a07bf08 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a07bf08\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-917155d\" data-id=\"917155d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d7fbcb elementor-widget elementor-widget-text-editor\" data-id=\"6d7fbcb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>Veja tamb\u00e9m:<\/h3><p class=\"elementor-post__title\"><a href=\"https:\/\/loitlegal.com.br\/blog\/saque-aniversario-como-funciona-como-aderir\/\">Saque anivers\u00e1rio 2022: como funciona e como aderir?<\/a><\/p><p class=\"elementor-post__title\"><a href=\"https:\/\/loitlegal.com.br\/blog\/como-usar-fgts-para-fazer-emprestimo\/\">Como fazer empr\u00e9stimo com meu FGTS?<\/a><\/p><p><a href=\"https:\/\/loitlegal.com.br\/blog\/posso-sacar-fgts-mesmo-trabalhando\/\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Posso sacar meu fgts mesmo trabalhando?&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15297,&quot;3&quot;:{&quot;1&quot;:0},&quot;9&quot;:1,&quot;10&quot;:1,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Calibri&quot;,&quot;16&quot;:11}\">Como sacar meu fgts mesmo trabalhando?<\/span><\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>O Saque Anivers\u00e1rio \u00e9 uma modalidade de saque do FGTS que permite acesso anual a parte do saldo dispon\u00edvel no Fundo, no m\u00eas do anivers\u00e1rio. Ao optar por esse formato, deixa de ter acesso ao Saque Rescis\u00e3o, modalidade padr\u00e3o que disponibiliza o saldo em caso de demiss\u00e3o sem justa causa.\u00a0 Por meio dessa modalidade, o [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":822,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"footnotes":""},"categories":[6],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Como antecipar o saque anivers\u00e1rio? - Blog da LOIT<\/title>\n<meta name=\"description\" content=\"Voc\u00ea sabia que \u00e9 poss\u00edvel antecipar o saque anivers\u00e1rio? 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