Many people have a blocked FGTS, and this turns out to be a major obstacle. But few know that even with the block there are alternatives to be able to withdraw, there are procedures that allow release even in more complex hypotheses and since this value will make a good difference in your budget, it is important to understand the blocked FGTS release procedure, with this information you can use the money available on your account even with the block.
How does FGTS block occur?
FGTS is a benefit available to all workers, and the employer must deposit it by obligation, through monthly shipments to an account linked to the worker. This feature serves as a financial reserve, ensuring more security to the employee who operates under the rules of CLT (Labor Law Consolidation). And this balance is blocked when there is some restriction that prevents the holder of the account from moving or withdrawing their available values. This situation may even happen that the worker meets the criteria for withdrawal of the benefit.
The most common reasons why FGTS blockade are: Choice of an-looting modality instead of looting or loan using FGTS as warranty (anticipation of an an an anneate). But it also occurs as a result of registration errors or incorrect information in the system and judicial block, due to legal processes or disputes.
How to release the blocked FGTS?
Both balance consultation and unlock request can be made directly by the FGTS application, from Caixa Econômica Federal. The app is available for free on Play Store (Android) and App Store (iOS) platforms.
FGTS BLOCKED BY OPTION OF THE AGENITARY
- Download and open the FGTS application on your phone (Android | iOS);
- Access your account with CPF and password;
- In the initial menu, touch “My Withdrawals”;
- If you want to go back to withdrawal, select the “Sweat-Rescision Modality” option and confirm.
According to the legislation, the change of modality is only effective after 24 months. In the meantime, you will continue to receive the annual withdrawals in the month of your birthday.
FGTS locked due to borrowing with balance
- Open the FGTS application (Android | iOS);
- Login in your account;
- On the home screen, touch the total balance (lock icon);
- The extract will appear, displaying the details of the available values and the blocked amount;
- The balance is retained until the loan is completely paid; To anticipate the release, it is necessary to pay the rest of the financing;
- Walling, it will be possible to request the exchange of the anaqueed bydrop to withdrawal, if desired.
Incorrect information blockade
- Open the FGTS app on your device (Android | iOS);
- Access your account normally;
- In the menu, select the option “More”;
- Then tap “Address and Personal Data”;
- Review your information and update what is incorrect.
Keeping your data up to date is critical to prevent blockages and ensure access to your resources.
Judicial blockade
If your balance is blocked by court decision, it is necessary to attend a branch of Caixa Econômica Federal to regularize the situation. Another alternative is to contact Caixa's telephone channels: the number for the capitals and metropolitan regions is 4004 0104. And for the other locations: 0800 104 0104
How long is the FGTS blocked after a loan?
When you hire a loan using your FGTS balance as a warranty (anticipation of the anaqueed by-loot), the amount remains blocked until all installments are paid. Once the loan is paid, the unlocking occurs within 10 days, allowing you to have full access to your account resources.
