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Workers will be able to use their FGTS balance to purchase and install solar energy in their homes, according to a new bill currently being processed in the Senate.
Brazilian workers may have the opportunity to use part of their balances in the Severance Pay Guarantee Fund (FGTS) to invest in generating solar energy in their homes. This is the proposal of Bill (PL) 1.481/2025, presented in the Senate by Senator Mecias de Jesus (Republicanos-RR).
The measure, which is still awaiting analysis by the House committees, changes the current FGTS legislation, aiming to facilitate the population's access to clean energy and reduce electricity costs.
FGTS as a tool for energy inclusion
According to the project, holders of accounts linked to the FGTS will be able to use up to 50% of the available balance, once every five years, to purchase and install solar energy generation systems, both in urban and rural areas.
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The initiative also includes cooperatives and consortia focused on shared generation.
According to Senator Mecias, the objective is to make a sustainable and economically advantageous solution accessible.
“Installing solar panels can reduce household electricity bills by up to 90%, providing long-term financial relief and contributing to national energy security,” the parliamentarian highlights.
Priority groups and social criteria
The text of the bill establishes a series of criteria for prioritizing the use of resources. The following will have preference:
- Families with average monthly consumption of less than 220 kWh in the last 12 months;
- Residents of areas with socioeconomic vulnerability;
- Beneficiaries of social housing programs, such as Minha Casa, Minha Vida;
- Residences for the elderly and people with disabilities;
- Properties located in isolated areas not integrated into the National Interconnected System;
- Family farmers, indigenous people and quilombolas.
These criteria reinforce the inclusive and social nature of the proposal, seeking to expand access to solar energy for communities that historically have less access to this type of technology.
Conditions of use and limitations
To avoid misuse, equipment purchased with FGTS funds cannot be resold for a minimum period of five years — except in cases of inheritance, divorce or sale of the property.
In addition, the PL also allows the use of the fund to pay off existing bank financing related to the acquisition and installation of photovoltaic systems.
Clean energy and sustainable development
Senator Mecias emphasizes that the project goes beyond individual economic benefits.
“The project advances by expressly providing for residential use, including in cooperatives and consortia, and by prioritizing vulnerable groups. The proposal also contributes to the international commitments assumed by Brazil, especially within the scope of the Paris Agreement and the UN 2030 Agenda, promoting concrete actions to combat climate change,” he says.
To come into effect, Bill 1.481/2025 still needs to pass through the Senate committees, be approved by the Chamber of Deputies and, subsequently, sanctioned by the Presidency of the Republic.
Use of FGTS in the democratization of solar energy in Brazil
By proposing the use of the FGTS as an instrument to encourage solar energy, the measure represents a concrete attempt to democratize access to renewable sources, while promoting the intelligent use of the fund's resources, traditionally linked to the acquisition of a home.
The expectation is that, if approved, the project will boost the solar energy sector and help reduce the overload on the national electricity grid.
