Did you know that you can use your FGTS (Employment Time Guarantee Fund) to buy your own house? The FGTS is a right guaranteed to the worker who works under the CLT regime (Consolidation of Labor Laws). This is a “savings” for the worker, but it can only be withdrawn under certain circumstances, one of them being the purchase of real estate.

But after all, how to use the FGTS to buy your own house? That is exactly what we will address in this text! If you are interested in using your FGTS to invest in your dream of owning your own home, read on.


When it comes to housing financing, the balance of your escrow account is a great resource to be used. Here is how to do it:

Buying real estate and construction

According to information from the Caixa Econômica Federal, the balance of the guarantee fund can be used by those who wish to buy or build a home. The value is used at the time of contracting as a down payment on the financing, representing part of the payment value or, if possible, the total value.

Amortization or settlement of the outstanding balance

In this case, the amount can be used to pay off all or part of the debt. However, the financing contract must have been signed within the SFH (Housing Finance System).

Partial payment of the installments

You can also use the value deposited in the FGTS to pay off up to 80% of the installment payments in 12 consecutive months. However, the financing contract must also have been signed within the SFH (Housing Finance System).


If your intention is to buy a property, then the first step is to know which documents are necessary to use the FGTS in the purchasing process. Besides an official identification document, such as your RG (Registro Geral), you also need

  • Statement of the account linked to the guarantee fund;
  • Employment record card to prove the time of service under the FGTS regime;
  • For freelance workers, a declaration from the labor-management agency or the union to which they belong is required;
  • Present the DIRPF (Individual Income Tax Return);
  • Present the partner’s DIRPF, in case the applicant is married or has a stable union.

The complete list of required documentation, including exceptional cases, can be seen here.


If you are looking to buy your own home with the FGTS, you must pay attention to the rules established for it.

Besides being of legal age, you must be a Brazilian citizen or naturalized – if you are a foreigner, you need a permanent residence visa – have at least three years of work under the guarantee fund regime (consecutive or not, in the same company or not) and have no active financing in the SFH.

Other rules include:

  • Not having a residence in an urban area, completed or under construction;
  • To have the payments up to date at the moment of the request, in case you want to use the FGTS to pay off the debit balance;
  • The house you wish to acquire cannot be the result of a negotiation with third parties.


Along with the buyer, the property also needs to meet some conditions. For example, the desired home must be located in an urban area, its sole purpose must be as a home for the owner, and the appraised value must be up to R$1.500.000,00 in all Brazilian states.

Check out the rest of the list of conditions:

  • To be owned by the proponent the place of construction of the property, in the case of construction without land acquisition;
  • An inspection is required and, later, approval to use the FGTS;
  • It must be registered in the Real Estate Registry Office, including an impediment to the commercialization of the residence;
  • On the final valuation date, the property must have full conditions for decent housing and no signs of defects in its structure;
  • The house cannot have been acquired through FGTS by another individual in the last three years.

The general conditions can also be checked by clicking here.

Besides the purchase, it is possible to finance your property, find out how by clicking here [https://grupovrv.com.br/blog/dicas-para-planejar-o-seu-financiamento-com-a-caixa-economica-federal/]. For more information like this, visit the VRV blog!