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The New Restrictions on FGTS Loans Introduce a Mandatory 90-Day Grace Period, Only One Contract Per Year and Lower Ceiling for the Anticipation of the Anniversary, with Limits of Five Installments Between November and December 2025 and Three Installments from 2026, Significantly Altering Access to Credit Backed by the Fund.
The new restrictions on FGTS loans will take effect on November 1, 2025, and change the way the anticipation of the Anniversary Withdrawal works. The Curator Council defined stricter rules regarding value, frequency and term, and the requirement of available balance for new contracts, with the declared goal of reducing excessive use of this credit.
According to the Ministry of Labor and Employment, the guideline is to preserve the original role of FGTS as a reserve for times of need, such as dismissal without just cause. Contracts already signed remain valid, but new requests will have to comply with the grace period, annual limits, and value ceilings for each operation.
What Changes as of November 1, 2025
From that date, a 90-day grace period will be implemented after joining the Anniversary Withdrawal for any loan linked to FGTS.
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In practice, those who choose this modality will have to wait three months before contracting.
Only one contract per year will be allowed.
Previously, it was common to contract more than one anticipation in the same period, which will now be prohibited.
The frequency of access to credit will be reduced and the worker’s financial planning will need to take this annual interval into account.
As for the amounts, the ceiling for anticipation will be significantly lower.
Between November and December 2025, the limit will be five installments, with R$ 100 to R$ 500 per installment, which imposes a maximum of R$ 2,500 per operation.
Starting in January 2026, the limit drops to three installments, with a maximum total value of R$ 1,500.
These levels are much lower than those currently practiced, which makes anticipation less advantageous for those seeking larger amounts.
Who Is Affected and How Are New Requests Impacted
The changes affect workers who have joined or intend to join the Anniversary Withdrawal and who used the anticipation as a source of liquidity.
This is not the extinction of FGTS loans, but rather a reformulation with additional barriers.
After November 1, new contracts will only occur with a free balance and within the new limits, observing the grace period and annual ceiling.
Until October 31, 2025, contracts will follow the current rules.
From November, all new requests must comply with the grace period criteria, one contract per year and reduced amounts.
Practical Impact on the Worker’s Budget
In practice, the advance becomes more conservative.
For those who relied on anticipation to pay off larger debts or build liquidity in critical periods, the lower ceilings and the grace period requirement will require replanning.
Immediate liquidity will be more restricted, and the predictability of cash flow will depend on a single annual window.
For the most vulnerable, the risk of resorting to alternative lines of credit may increase, and it will be essential to compare total effective costs, terms, and guarantees before replacing FGTS anticipation with other modalities.
Contracts in Progress and Balance Blocking
Contracts signed under current rules remain valid until the end of the term agreed with the financial institution.
The FGTS balance remains blocked until paid off, which may prevent withdrawals in case of dismissal while there are pending installments.
There is no automatic cancellation of existing contracts, but the blocking effect continues to operate until the debt is settled.
Official Justification and Stated Objectives
According to the government, the new restrictions on FGTS loans aim to protect the fund and workers from the repeated use of anticipation, which has been depleting balances and compromising withdrawals in situations of dismissal, illness, or retirement.
The measure also aims to reduce delinquency and prolonged blocking, preserving the fund’s function as a social savings account.
Transition Window Until October 31, 2025
Until October 31, 2025, the current rules apply, including the possibility of more than one contract per year and amounts above the ceilings that will come into effect.
As of November 1, all new requests will be subject to the 90-day grace period, the limit of one annual contract, and the new value ceilings.
Essential Questions
Who will be immediately affected? Workers who intended to contract anticipation from November 2025. Those who have already contracted will continue under the original conditions until paid off.
How much can I anticipate? Between November and December 2025, up to five installments between R$ 100 and R$ 500 per installment. Starting in 2026, three installments, with a total ceiling of R$ 1,500.
Where do the rules apply? Throughout the country, for operations linked to the FGTS Anniversary Withdrawal.
Why the restrictions? To preserve FGTS as a contingency reserve and avoid recurring depletion of balances due to successive anticipations.
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