Limite atual é de até 3 prestações em atraso. Ampliação do limite fica autorizada de 2 de maio a 31 de dezembro deste ano.
Segundo Ministério do Trabalho, 5 milhões de mutuários têm contratos de financiamentos imobiliários, e 80 mil deles estão em situação de inadimplência grave, com mais de 3 prestações em atraso.
A partir da próxima segunda-feira (2), será possível usar o saldo do Fundo de Garantia do Tempo de Serviço (FGTS) para quitar até 12 prestações em atraso de financiamento imobiliário contratado no âmbito do Sistema Financeiro da Habitação (SFH).
Pela regra atual, o trabalhador não pode ter mais do que 3 prestações em atraso para utilizar os recursos do FGTS para amortização do saldo devedor.
A resolução foi aprovada pelo Conselho Curador do FGTS e publicada no último dia 20 de abril no Diário Oficial da União, e diz que o novo limite será de até 12 prestações em atraso, “que poderão integrar o valor a ser abatido”.
“De acordo com dados apresentados ao Conselho pela Confederação Nacional do Sistema Financeiro (Consif), 5 milhões de mutuários têm atualmente contratos de financiamentos imobiliários – 80 mil deles estão em situação de inadimplência grave, com mais de 3 prestações em atraso”, diz o Ministério do Trabalho em nota.
A medida é temporária, e válida até 31 de dezembro. De acordo com o Ministério do Trabalho, ela poderá beneficiar 40 mil famílias.
Atualmente, o FGTS pode ser usado em até duas situações para a casa própria: a compra, ou a construção e a amortização de parcelas de financiamentos imobiliários
Apesar do uso do fundo para reduzir o valor da prestação, o emprego dos recursos do FGTS para quitar parcelas em atraso é novidade. Tradicionalmente, quem possui financiamento imobiliário pode usar o saldo nas contas do FGTS em seu nome para quitar totalmente ou amortizar a dívida da casa própria.
Se o trabalhador tiver nas contas do FGTS uma quantia correspondente a 12 meses de parcelas, pode usar esses recursos para reduzir em até 80% o valor das prestações por 12 meses seguidos. Nessa situação, o FGTS também pode ser usado para diminuir o número de prestações e, consequentemente, o tempo total do financiamento, ou para abater uma parte da parcela mensal, reduzindo o valor das prestações seguintes.
Em relação à compra e à construção da casa própria, pode sacar o dinheiro do FGTS quem possui ao menos três anos de contribuição para o fundo. A contagem é feita somando o tempo de trabalho na mesma empresa ou em empresas diferentes, em períodos consecutivos ou não.
A possibilidade de saque do FGTS para compra ou construção da casa própria só vale para quem não seja proprietário, usufrutuário, possuidor, cessionário ou promitente comprador de outro imóvel residencial, construído ou em construção, no mesmo município, região metropolitana ou em cidades vizinhas àquela onde o trabalhador mora ou exerce a ocupação principal. Essa modalidade de saque também não pode ser feita por titulares de outros financiamentos concedidos pelo SFH.
Ainda pelas regras do FGTS, o uso de saldo para liquidação ou amortização extraordinária de saldo devedor de financiamento habitacional pode ser feita observado um intervalo mínimo de 2 anos entre cada movimentação.
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