In need of money?

At PH Negócios, we put control in your hands. Now, you can take out an FGTS Loan wherever you are on any day and time of the week.

Enjoy the advantages and freedom of managing your finances. With PH Negócios, your financial well-being is within your reach.

- 100% digital, via app, WhatsApp or website
- Without consulting the SPC or SERASA
- Payments via Pix within 5 minutes of signing a fully digital contract.
- No monthly installments
- Regulated by the Central Bank and with anti-fraud technology
- Lower interest rates to obtain your birthday withdrawal in advance (FGTS).

Anticipation of birthday withdrawal (FGTS)

Great loan option for those who have a balance in FGTS accounts, who opt for the Birthday Withdrawal and need fast and secure credit. It does not compromise monthly income, as it is deducted annually directly from the FGTS balance.

- Interest rate: from 1.20% to 1.79% per month.
- Interest rate: from 15.39% to 23.73% per year.
- Payment term: 1 to 12 installments
- Minimum value: R$ 50.00
- Maximum value: R$ 50,000.00
- Advance amount: varies according to the FGTS balance available at the time of contracting, with a minimum of 3 FGTS birthday withdrawal installments and the maximum is obtained from the available FGTS Balance.
- Deadline for refund/settlement: it can be paid at any time from the date of receipt of the amount in the account. The maximum term can be up to 12 years.

Example 1 of advance operation of 7 installments with anniversary withdrawal
Contracted operation: 02/01/2025
First installment of the birthday withdrawal: 06/01/2025
Last installment of the birthday withdrawal: 06/01/2032
Total Value of FGTS Balance: R$ 1,744.97
Value Released in Advance: R$ 1,179.72

IOF fee: R$ 30.31
Interest rate per month: 1.79%
Interest rate per year: 23.87%
CET rate per month 1.95%

Rates subject to change we are bank correspondents of UY3 SOCIEDADE DE CREDITO DIRETO S.A.

privacy policy and terms of use: https://lgpd.phng.com.br
PH Negocios LTDA, CNPJ: 18.358.438/0001-01
Rua Fernandes Pinheiro, 449 Vila Gomes Cardim, São Paulo-SP, 03308-060

Service via Whatsapp: 1147651770
Contact telephone: 0800 006 0602 / (11)4765-1700
Website: https://www.phng.com.br