Construction sector entities see a more resilient FGTS (FGTS Fund) after the anticipation of the anaqueed by-year.
“This is a positive measure, as it meets the need for stability of the resources of the Future Budget Guarantee Fund,” says Yorki Estefan, president of Sinduscon-SP.
“Annative withdrawal is a problem for the sector because, combined with budget instability, it directs resources that would originally be intended for fundamental housing and infrastructure – for human dignity – for consumer goods,” he points out.
The modality allows the worker to remove a certain value of the balance from his FGTS, annually, in the month of his birthday. It is equivalent to a loan, so that the individual does not have to wait for the month of his birthday to withdraw the money from the background.
Today, banks offer the anticipation of the Anxivary loot installments, which made the benefit an attraction to the worker, but generated distortions to the purpose of the fund, according to the contractors.
“The sector has always argued that FGTS was used for its original functions of safeguarding the worker and finance housing, sanitation and mobility, which are the premises since the founding of FGTS. Any other use has been discovering one saint and covering others,” says Renato Correia, president of CBIC (Brazilian Construction Industry Confederation).
“We do defend the restriction, […] 75% of early money is the banks, it is a form of illusion to the worker. “
MTE (Ministry of Labor and Employment) estimates that about R $ 84.6 billion will no longer be directed to financial institutions and will be passed directly to workers by 2030.
The FGTS curator council intends, with restrictions, to preserve the fund’s accounts and prevent the worker from compromising their entire benefit ,. The point of view is shared by the construction sector.
“It brings sustainability to the fund, longevity so that the low -income worker can buy his first housing. The measure comes the benefit of low income, bringing more longevity and sustainability to finance in a country than the housing deficit of around 6 million houses,” says Luiz França, president of Abrainc (Brazilian Association of Real Estate Incorporators).
“It is important for the funding FGTS Appeal, which finances the buyer of the property. [Com a limitação] It will have more sustainability of the fund resources for housing financing, “reinforces France.
The other features for which the worker ends up redirecting the advance-in-law should not be harmed, according to the president of Abrainc, thanks to the availability of payroll loans, an alternative so that people with a formal contract can raise funds with warranty and better rates than in financial institutions.
The limitation was a sector election, studied by the private initiative with the public entity. Yorki, France, and Correia agree that the limitation is sufficient to remedy distortions generated by the anticipation of the anaquenal.
“Making this correction, the anaquenal withdrawal can continue this way,” points out the president of CBIC.
Changes come into force on November 1, the required deadline for Caixa Econômica Federal to adapt its systems to the new rules.
With adjustments, the minimum limit is $ 100 and o. The worker may anticipate up to five-year-old looting within 12 months. Thus, the worker can anticipate up to five installments of R $ 500, totaling R $ 2,500.
