{"id":402,"date":"2021-05-24T08:00:01","date_gmt":"2021-05-24T11:00:01","guid":{"rendered":"https:\/\/niss.com.br\/como-usar-meu-fgts-para-comprar-imovel\/"},"modified":"2021-05-24T08:00:01","modified_gmt":"2021-05-24T11:00:01","slug":"como-usar-meu-fgts-para-comprar-imovel","status":"publish","type":"post","link":"https:\/\/niss.com.br\/en\/como-usar-meu-fgts-para-comprar-imovel\/","title":{"rendered":"How can I use my FGTS to buy a property?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The Fundo de Garantia por Tempo de Servi\u00e7o - FGTS, is a sum of money that workers collect over time and retain, being released only in a few specific cases or only at the time of retirement. However, when buying a property, the FGTS can be used and many people use this money to fulfill their dream of owning their own home.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But do you know how to use your FGTS to buy a house or apartment? In this article, you'll find out everything you need to use your FGTS to buy your home. Follow along!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Who can use FGTS to buy property<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you want to buy a property using your FGTS, you need to know if you meet the following requirements:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have years of work experience, which does not have to be continuous or with the same company;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do not have any property to your name in the city where you are buying;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do not have an active mortgage with the SFH (Housing Finance System);<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">What are the conditions of the property that can be purchased?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Now, check out the characteristics that a property must have so that you can buy it with FGTS:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In all Brazilian states, the value of the property must not exceed R$1,500,00.00;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To be used for the home of the person buying it;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In the final assessment, full living conditions must be certified;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Registered with the RI, with no records preventing its sale;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It was not bought by the previous resident with FGTS less than 3 years ago.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Documentation required for purchase<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To apply for the property, you need to present the following documents:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">FGTS account statement;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identification document;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Work permit showing registration.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Updated payslip;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Statement from the management body or union for temporary workers;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income tax returns for the owner and spouse, if any;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marriage certificate, identity card of the spouse, if the marriage occurred after the financing contract;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Certificate of registration of the marriage of the property.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">When you can't use your FGTS to buy a property<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It is not possible to use this benefit to buy non-residential property, or to renovate or increase the size of property you already own. It is also not allowed to use this amount to buy several unbuilt plots at the same time, to buy building materials or to buy property for family members, dependents or anyone else.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Buying a property using your FGTS is a way of facilitating access to a home of your own, while at the same time using the money that would theoretically remain idle for a long time until you retire. This way, you can use it to buy an asset that will only increase in value over time, giving this money a good destination.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Want to buy a property? It's ideal to pay attention to all the indices that can influence its value, and the INCC is one of the most important! <\/span><a href=\"https:\/\/niss.com.br\/en\/blog\/o-que-e-incc-e-como-ele-influencia-o-mercado-imobiliario\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Check out what the INCC is and how it influences the real estate market.<\/span><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>O Fundo de Garantia por Tempo de Servi\u00e7o &#8211; FGTS, \u00e9 uma quantia em dinheiro que os trabalhadores juntam ao longo do tempo e fica retida, sendo liberada em apenas alguns casos espec\u00edficos ou somente na hora da aposentadoria. Por\u00e9m, a compra de um im\u00f3vel \u00e9 pass\u00edvel de uso do FGTS e muitas pessoas utilizam [&hellip;]<\/p>","protected":false},"author":2,"featured_media":400,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[16,18],"tags":[],"class_list":["post-402","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financas-pessoais","category-mercado-imobiliario"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Como usar meu FGTS para comprar im\u00f3vel? | Niss Incorporadora<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/niss.com.br\/en\/como-usar-meu-fgts-para-comprar-imovel\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Como usar meu FGTS para comprar im\u00f3vel? | Niss Incorporadora\" \/>\n<meta property=\"og:description\" content=\"O Fundo de Garantia por Tempo de Servi\u00e7o &#8211; FGTS, \u00e9 uma quantia em dinheiro que os trabalhadores juntam ao longo do tempo e fica retida, sendo liberada em apenas alguns casos espec\u00edficos ou somente na hora da aposentadoria. Por\u00e9m, a compra de um im\u00f3vel \u00e9 pass\u00edvel de uso do FGTS e muitas pessoas utilizam [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/niss.com.br\/en\/como-usar-meu-fgts-para-comprar-imovel\/\" \/>\n<meta property=\"og:site_name\" content=\"Niss Incorporadora\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-24T11:00:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/niss.com.br\/wp-content\/uploads\/2024\/01\/Como-usar-meu-FGTS-para-comprar-imove-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1081\" \/>\n\t<meta property=\"og:image:height\" content=\"721\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"RBNissAdm\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"RBNissAdm\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/niss.com.br\\\/como-usar-meu-fgts-para-comprar-imovel\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/niss.com.br\\\/como-usar-meu-fgts-para-comprar-imovel\\\/\"},\"author\":{\"name\":\"RBNissAdm\",\"@id\":\"https:\\\/\\\/niss.com.br\\\/#\\\/schema\\\/person\\\/822a92f47f1229e85b817d450c173099\"},\"headline\":\"Como usar meu FGTS para comprar im\u00f3vel?\",\"datePublished\":\"2021-05-24T11:00:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/niss.com.br\\\/como-usar-meu-fgts-para-comprar-imovel\\\/\"},\"wordCount\":569,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/niss.com.br\\\/como-usar-meu-fgts-para-comprar-imovel\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/niss.com.br\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/Como-usar-meu-FGTS-para-comprar-imove-1.png\",\"articleSection\":[\"Finan\u00e7as pessoais\",\"Mercado Imobili\u00e1rio\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/niss.com.br\\\/como-usar-meu-fgts-para-comprar-imovel\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/niss.com.br\\\/como-usar-meu-fgts-para-comprar-imovel\\\/\",\"url\":\"https:\\\/\\\/niss.com.br\\\/como-usar-meu-fgts-para-comprar-imovel\\\/\",\"name\":\"Como usar meu FGTS para comprar im\u00f3vel? 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