{"id":21972,"date":"2026-08-03T17:20:25","date_gmt":"2026-08-03T20:20:25","guid":{"rendered":"https:\/\/www.wgbengenharia.com\/resgate-fgts-casal\/"},"modified":"2026-08-03T17:20:25","modified_gmt":"2026-08-03T20:20:25","slug":"resgate-fgts-casal","status":"publish","type":"post","link":"https:\/\/www.wgbengenharia.com\/en\/resgate-fgts-casal\/","title":{"rendered":"How to use a couple&#039;s FGTS (Brazilian employee severance fund) to buy their property (WGB)"},"content":{"rendered":"<h2>Maximize your purchasing power with your FGTS (Brazilian employee severance fund).<\/h2>\n<p>Do you and your spouse dream of moving out of your rented home? <strong>Use the FGTS balance of both.<\/strong> It&#039;s a smart financial strategy. Therefore, this pooling of resources significantly increases the down payment. Furthermore, it reduces the outstanding balance of the loan. In this way, you achieve monthly payments that fit perfectly within your budget.<\/p>\n<h2>Basic requirements for withdrawal<\/h2>\n<p>First, verify that both of you have at least three years of work under the FGTS (Brazilian Severance Indemnity Fund) system. However, it is essential that the chosen property is located in the same municipality where the couple lives or works. For example, if you work near the beautiful beaches of Balne\u00e1rio Pi\u00e7arras, the property acquired must be within the same metropolitan area or city. Consequently, the release process will be much smoother.<\/p>\n<h2>The structural solidity of WGB<\/h2>\n<p>When investing in assets, technical security is essential. Therefore, <strong>WGB Engineering<\/strong> We apply rigorous technologies to every project. We highlight our reinforced structure with high-performance slabs, designed to guarantee acoustic insulation between neighbors. Furthermore, we utilize advanced waterproofing systems that ensure complete protection against humidity and sea air. Therefore, you acquire a property with guaranteed appreciation and superior durability.<\/p>\n<h2>Step-by-step instructions for use<\/h2>\n<p>To formalize the purchase, request an updated FGTS (Brazilian employee severance fund) statement for both spouses. Following this, WGB will provide the necessary property documentation for bank analysis. This will allow the financial institution to validate the loan. However, remember that the property must be in the name of both spouses. Consequently, the deed will be drawn up with both spouses&#039; CPF (Brazilian individual taxpayer registration number), ensuring the couple&#039;s asset protection.<\/p>\n<h2>Advantages of smart financing<\/h2>\n<p>In short, the sum of your FGTS (Brazilian employee severance fund) balances shortens the term of your financing. Furthermore, it reduces the total interest paid over the years. Therefore, it is a far superior comparative strategy to continuing to pay rent. Since rent is a cost without return, acquiring your own property transforms your monthly expense into real assets for your family.<\/p>\n<p>Your journey toward financial independence begins with a well-planned decision. To turn your dream into reality with installments that fit your budget, come and learn about... <a href=\"https:\/\/www.wgbengenharia.com\/en\/wgbempreendimentos\/\">Opportunities in Pi\u00e7arras<\/a> Developed by WGB, secure your home today!.<\/p>","protected":false},"excerpt":{"rendered":"<p>Potencialize seu poder de compra com o FGTS Voc\u00ea e seu c\u00f4njuge sonham em sair do aluguel? Utilizar o saldo do FGTS de ambos \u00e9 uma estrat\u00e9gia financeira inteligente. Portanto, essa uni\u00e3o de recursos aumenta significativamente o valor da entrada. Al\u00e9m disso, reduz o saldo devedor do financiamento. Dessa forma, voc\u00ea alcan\u00e7a parcelas mensais que cabem perfeitamente no seu bolso. Requisitos b\u00e1sicos para o saque Primeiramente, verifique se ambos possuem pelo menos tr\u00eas anos de trabalho sob regime do FGTS. No entanto, \u00e9 fundamental que o im\u00f3vel escolhido esteja localizado no mesmo munic\u00edpio onde o casal reside ou trabalha. Por exemplo, se voc\u00ea trabalha nas proximidades das lindas praias de Balne\u00e1rio Pi\u00e7arras, o im\u00f3vel adquirido deve estar dentro desta mesma regi\u00e3o metropolitana ou cidade. Consequentemente, o processo de libera\u00e7\u00e3o ocorre de maneira muito mais fluida. A solidez construtiva da WGB Ao investir em um patrim\u00f4nio, a seguran\u00e7a t\u00e9cnica \u00e9 indispens\u00e1vel. Por isso, a WGB Engenharia aplica tecnologias rigorosas em cada projeto. Destacamos nossa estrutura refor\u00e7ada com lajes de alta performance, projetadas para garantir o isolamento ac\u00fastico entre vizinhos. Al\u00e9m disso, utilizamos sistemas de impermeabiliza\u00e7\u00e3o avan\u00e7ados que garantem total preven\u00e7\u00e3o contra a umidade e a maresia. Portanto, voc\u00ea adquire um im\u00f3vel com valoriza\u00e7\u00e3o garantida e durabilidade superior. Passo a passo para a utiliza\u00e7\u00e3o Com o objetivo de formalizar a compra, solicite o extrato atualizado do FGTS de ambos. Logo ap\u00f3s, a WGB fornecer\u00e1 a documenta\u00e7\u00e3o necess\u00e1ria do im\u00f3vel para a an\u00e1lise banc\u00e1ria. Dessa forma, a institui\u00e7\u00e3o financeira validar\u00e1 a opera\u00e7\u00e3o de cr\u00e9dito. Entretanto, lembre-se de que o im\u00f3vel precisa estar em nome de ambos os c\u00f4njuges. Por conseguinte, a escritura ser\u00e1 lavrada com o CPF dos dois, assegurando a prote\u00e7\u00e3o patrimonial do casal. Vantagens do financiamento inteligente Em suma, a soma dos saldos do FGTS encurta o prazo do seu financiamento. Ademais, diminui os juros totais pagos ao longo dos anos. Portanto, trata-se de uma estrat\u00e9gia comparativa muito superior a continuar pagando aluguel. Visto que o aluguel \u00e9 um custo sem retorno, a aquisi\u00e7\u00e3o do im\u00f3vel pr\u00f3prio transforma seu gasto mensal em patrim\u00f4nio real para sua fam\u00edlia. Sua jornada rumo \u00e0 independ\u00eancia financeira come\u00e7a com uma decis\u00e3o bem planejada. Para transformar o seu sonho em realidade com parcelas que cabem no seu or\u00e7amento, venha conhecer as oportunidades em Pi\u00e7arras desenvolvidas pela WGB e conquiste hoje mesmo a seguran\u00e7a do seu lar.<\/p>","protected":false},"author":3,"featured_media":21971,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-21972","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sem-categoria"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>WGB Architecture &amp; Engineering | High-End Projects in Brazil<\/title>\n<meta name=\"description\" content=\"Solid expertise with over 750,000m\u00b2 of excellence designed in Santa Catarina. 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