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21:Td4f,{"@context":"https://schema.org","@graph":[{"@type":"NewsArticle","@id":"https://seucreditodigital.com.br/fgts-comprar-outro-imovel-regra-50-km/#article","name":"Projeto muda regra do FGTS para quem já tem imóvel em outra cidade","headline":"Projeto muda regra do FGTS para quem já tem imóvel em outra cidade","description":"Projeto na Câmara propõe liberar o uso do FGTS para comprar imóvel mesmo com outra casa, desde que ela esteja a mais de 50 km.","url":"https://seucreditodigital.com.br/fgts-comprar-outro-imovel-regra-50-km/","datePublished":"2026-08-26T12:00:00-03:00","dateModified":"2026-08-26T12:00:00-03:00","mainEntityOfPage":{"@type":"WebPage","@id":"https://seucreditodigital.com.br/fgts-comprar-outro-imovel-regra-50-km/"},"articleSection":"Últimas Notícias","keywords":"FGTS, Projeto, Proposta, Regra, Trabalhador, Cidade, Fundo, Moradia, Requisitos, Digital","timeRequired":"PT5M","wordCount":821,"isAccessibleForFree":true,"inLanguage":"pt-BR","author":{"@type":"Person","@id":"https://seucreditodigital.com.br/autor/vitoria-m/#person","name":"Vitória Monckes","url":"https://seucreditodigital.com.br/autor/vitoria-m/"},"publisher":{"@id":"https://seucreditodigital.com.br/#organization"},"isPartOf":{"@id":"https://seucreditodigital.com.br/#website"},"image":[{"@type":"ImageObject","url":"https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-19-1.webp?fit=1920%2C1080&ssl=1","width":1920,"height":1080},{"@type":"ImageObject","url":"https://seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-19-1.webp","width":1920,"height":1080},{"@type":"ImageObject","url":"https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-19-1.webp?fit=1536%2C864&ssl=1","width":1536,"height":864}],"thumbnailUrl":"https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-19-1.webp?fit=1536%2C864&ssl=1","speakable":{"@type":"SpeakableSpecification","cssSelector":[".art-title",".post-content-area p:first-of-type"]}},{"@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Início","item":"https://seucreditodigital.com.br"},{"@type":"ListItem","position":2,"name":"Últimas Notícias","item":"https://seucreditodigital.com.br/noticias/"},{"@type":"ListItem","position":3,"name":"Projeto muda regra do FGTS para quem já tem imóvel em outra cidade","item":"https://seucreditodigital.com.br/fgts-comprar-outro-imovel-regra-50-km/"}]},{"@type":"Person","@id":"https://seucreditodigital.com.br/autor/vitoria-m/#person","name":"Vitória Monckes","url":"https://seucreditodigital.com.br/autor/vitoria-m/","jobTitle":["Redatora","Técnica em Enfermagem"],"description":"Redatora do Seu Crédito Digital com foco em loterias, benefícios sociais (Bolsa Família, CadÚnico) e benefícios de saúde como BPC/LOAS e auxílio-doença. Sua formação em Enfermagem dá embasamento à cobertura de benefícios por incapacidade.","knowsAbout":["Loterias e Concursos da Caixa","BPC / LOAS","Auxílio-Doença e Benefícios por Incapacidade (INSS)","Bolsa Família","Programas Sociais Federais","CadÚnico e Cadastro Único","Auxílios Governamentais","Benefícios para Famílias Vulneráveis"],"alumniOf":{"@type":"CollegeOrUniversity","name":"Faculdade Anhanguera de Pelotas","alternateName":"Anhanguera","sameAs":"https://www.anhanguera.com/"},"worksFor":{"@id":"https://seucreditodigital.com.br/#organization"}}]}26:T167f,<p class="wp-block-paragraph">A distância deverá considerar a malha viária, ou seja, o trajeto pelas vias de acesso, e não uma linha reta entre os dois pontos. A proposta busca substituir parte das restrições territoriais atualmente utilizadas por um critério físico de distância. O texto ainda não é lei e, portanto, as regras atuais do <a href="https://seucreditodigital.com.br/tudo-sobre/fgts/" class="scd-internal-link">FGTS</a> continuam valendo até eventual aprovação e entrada em vigor da mudança.</p>



<p class="wp-block-paragraph"><strong>Leia mais: </strong></p>



<p class="wp-block-paragraph"><a href="https://seucreditodigital.com.br/auxilio-1192-aposentados-servidores/" data-type="post" data-id="1092072" target="_blank" rel="noreferrer noopener">Senado analisa auxílio de R$ 1.192 para servidores públicos aposentados</a></p>
<div data-ad-marker="7094975667" data-ad-large="true" data-ad-mobile-only="false" style="margin:20px 0;min-height:250px"></div>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" loading="lazy" decoding="async" width="1024" height="576" src="https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?resize=1024%2C576&#038;ssl=1" alt="FGTS" class="wp-image-1091051" title="" srcset="https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?resize=1024%2C576&amp;ssl=1 1024w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?resize=300%2C169&amp;ssl=1 300w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?resize=768%2C432&amp;ssl=1 768w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?resize=1536%2C864&amp;ssl=1 1536w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?resize=150%2C84&amp;ssl=1 150w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?w=1920&amp;ssl=1 1920w" sizes="auto, (max-width: 1000px) 100vw, 1000px" /><figcaption class="wp-element-caption">Imagem: Reprodução/Seu Crédito Digital</figcaption></figure>



<h2 class="wp-block-heading">O que muda com a proposta sobre o uso do FGTS?</h2>



<p class="wp-block-paragraph">Hoje, a utilização do FGTS para aquisição de moradia própria está sujeita a requisitos legais e regulamentares. Entre as restrições existentes, há situações em que o trabalhador não pode usar o Fundo por já possuir imóvel residencial no município onde mora ou trabalha, em município limítrofe ou integrante da mesma região metropolitana.</p>



<p class="wp-block-paragraph">O PL 481/2026 propõe uma mudança nesse ponto. Pelo texto apresentado, a existência de outro imóvel não impediria o uso do FGTS quando essa propriedade estivesse localizada a mais de 50 quilômetros, pela malha viária, do município de residência do trabalhador ou daquele em que exerce sua ocupação principal. A regra poderia ser aplicada inclusive quando os imóveis estivessem em municípios vizinhos ou na mesma região metropolitana.</p>



<p class="wp-block-paragraph">Na prática, o projeto tenta considerar situações em que duas cidades são territorialmente próximas, mas o deslocamento diário até o trabalho é longo ou pouco viável.</p>



<h2 class="wp-block-heading">Como funcionaria a regra dos 50 km?</h2>



<p class="wp-block-paragraph">A proposta acrescenta uma nova regra à Lei nº 8.036/1990, que disciplina o FGTS. O critério previsto é superior a 50 quilômetros, considerando as vias de acesso disponíveis.</p>
<div data-ad-marker="4137218372" data-ad-large="true" data-ad-mobile-only="false" style="margin:20px 0;min-height:250px"></div>



<p class="wp-block-paragraph">Imagine um trabalhador que possui um imóvel em uma cidade da região metropolitana, mas passa a trabalhar em outra área. Mesmo que os municípios sejam limítrofes, o deslocamento entre a residência e o novo local de trabalho pode superar 50 quilômetros pelas estradas e vias urbanas.</p>



<p class="wp-block-paragraph">Pela proposta, se os demais requisitos para utilização do FGTS forem atendidos, a existência desse primeiro imóvel não seria automaticamente um impedimento para a compra de outra moradia com recursos do Fundo.</p>



<p class="wp-block-paragraph">O objetivo, segundo a justificativa da autora do projeto, é evitar que limites administrativos entre municípios sejam o único fator considerado em situações que envolvem deslocamentos longos e mudanças nas condições de moradia ou trabalho.</p>



<h2 class="wp-block-heading">Quem pode ser beneficiado se o projeto for aprovado?</h2>



<p class="wp-block-paragraph">A medida pode beneficiar trabalhadores que já possuem uma casa, mas enfrentam uma mudança de cidade, de emprego ou uma rotina de deslocamento que torna a residência anterior inadequada para sua realidade.</p>
<div data-ad-marker="9609458364" data-ad-large="true" data-ad-mobile-only="false" style="margin:20px 0;min-height:250px"></div>



<p class="wp-block-paragraph">Um exemplo seria o de uma pessoa proprietária de um imóvel em uma cidade vizinha que consegue um emprego em outra região. Atualmente, a proximidade administrativa entre os municípios pode ser relevante para impedir o uso do FGTS, mesmo quando o percurso efetivamente percorrido é longo.</p>



<p class="wp-block-paragraph">Com a alteração proposta, a análise passaria a considerar a distância superior a 50 quilômetros. Ainda assim, a aprovação da nova regra não significaria liberação automática do saldo. Os demais requisitos previstos para movimentação do FGTS continuariam sendo exigidos.</p>



<h2 class="wp-block-heading">Projeto já está valendo?</h2>



27:Tb75,<p class="wp-block-paragraph">Não. O PL 481/2026 ainda está em tramitação e não alterou as regras atuais.</p>



<p class="wp-block-paragraph">Segundo os dados da Câmara dos Deputados, a proposta foi apresentada em 11 de fevereiro de 2026, está apensada ao PL 462/2020 e consta como pronta para pauta do Plenário, sob regime de urgência. O PL 462/2020 também trata da possibilidade de ampliar o uso do FGTS para aquisição de mais de um imóvel. Para que a mudança tenha força de lei, o texto precisa avançar no processo legislativo e ser aprovado pelas duas Casas do Congresso, além de cumprir as etapas finais necessárias para entrar em vigor.</p>



<p class="wp-block-paragraph">Por isso, o trabalhador não deve tomar decisões de compra contando com a nova regra antes da aprovação oficial.</p>



<h2 class="wp-block-heading">O que continua igual nas regras do FGTS?</h2>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" loading="lazy" decoding="async" width="1024" height="576" src="https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?resize=1024%2C576&#038;ssl=1" alt="" class="wp-image-1092521" title="" srcset="https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?resize=1024%2C576&amp;ssl=1 1024w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?resize=300%2C169&amp;ssl=1 300w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?resize=768%2C432&amp;ssl=1 768w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?resize=1536%2C864&amp;ssl=1 1536w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?resize=150%2C84&amp;ssl=1 150w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?w=1920&amp;ssl=1 1920w" sizes="auto, (max-width: 1000px) 100vw, 1000px" /><figcaption class="wp-element-caption">Imagem: Reprodução/Seu Crédito Digital<br></figcaption></figure>



<p class="wp-block-paragraph">Mesmo com a proposta, a intenção não é transformar o FGTS em um recurso de uso livre para a compra de qualquer imóvel.</p>



<p class="wp-block-paragraph">O próprio texto do projeto prevê a flexibilização de um impedimento específico relacionado à existência de imóvel anterior em determinada distância. Os demais requisitos legais e regulamentares para movimentação do Fundo na aquisição de moradia própria permaneceriam aplicáveis.</p>



<p class="wp-block-paragraph">Na prática, antes de utilizar o FGTS em uma operação imobiliária, o trabalhador deverá continuar observando as regras vigentes no momento da contratação. Essas exigências podem envolver condições relacionadas ao comprador, ao imóvel e à própria operação.</p>



<p class="wp-block-paragraph"><em>Imagem: Reprodução/Seu Crédito Digital</em></p>29:T21f8,



<p class="wp-block-paragraph">A distância deverá considerar a malha viária, ou seja, o trajeto pelas vias de acesso, e não uma linha reta entre os dois pontos. A proposta busca substituir parte das restrições territoriais atualmente utilizadas por um critério físico de distância. O texto ainda não é lei e, portanto, as regras atuais do <a href="https://seucreditodigital.com.br/tudo-sobre/fgts/" class="scd-internal-link">FGTS</a> continuam valendo até eventual aprovação e entrada em vigor da mudança.</p>



<p class="wp-block-paragraph"><strong>Leia mais: </strong></p>



<p class="wp-block-paragraph"><a href="https://seucreditodigital.com.br/auxilio-1192-aposentados-servidores/" data-type="post" data-id="1092072" target="_blank" rel="noreferrer noopener">Senado analisa auxílio de R$ 1.192 para servidores públicos aposentados</a></p>
<div data-ad-marker="7094975667" data-ad-large="true" data-ad-mobile-only="false" style="margin:20px 0;min-height:250px"></div>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" loading="lazy" decoding="async" width="1024" height="576" src="https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?resize=1024%2C576&#038;ssl=1" alt="FGTS" class="wp-image-1091051" title="" srcset="https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?resize=1024%2C576&amp;ssl=1 1024w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?resize=300%2C169&amp;ssl=1 300w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?resize=768%2C432&amp;ssl=1 768w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?resize=1536%2C864&amp;ssl=1 1536w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?resize=150%2C84&amp;ssl=1 150w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/fgts-0.jpeg?w=1920&amp;ssl=1 1920w" sizes="auto, (max-width: 1000px) 100vw, 1000px" /><figcaption class="wp-element-caption">Imagem: Reprodução/Seu Crédito Digital</figcaption></figure>



<h2 class="wp-block-heading">O que muda com a proposta sobre o uso do FGTS?</h2>



<p class="wp-block-paragraph">Hoje, a utilização do FGTS para aquisição de moradia própria está sujeita a requisitos legais e regulamentares. Entre as restrições existentes, há situações em que o trabalhador não pode usar o Fundo por já possuir imóvel residencial no município onde mora ou trabalha, em município limítrofe ou integrante da mesma região metropolitana.</p>



<p class="wp-block-paragraph">O PL 481/2026 propõe uma mudança nesse ponto. Pelo texto apresentado, a existência de outro imóvel não impediria o uso do FGTS quando essa propriedade estivesse localizada a mais de 50 quilômetros, pela malha viária, do município de residência do trabalhador ou daquele em que exerce sua ocupação principal. A regra poderia ser aplicada inclusive quando os imóveis estivessem em municípios vizinhos ou na mesma região metropolitana.</p>



<p class="wp-block-paragraph">Na prática, o projeto tenta considerar situações em que duas cidades são territorialmente próximas, mas o deslocamento diário até o trabalho é longo ou pouco viável.</p>



<h2 class="wp-block-heading">Como funcionaria a regra dos 50 km?</h2>



<p class="wp-block-paragraph">A proposta acrescenta uma nova regra à Lei nº 8.036/1990, que disciplina o FGTS. O critério previsto é superior a 50 quilômetros, considerando as vias de acesso disponíveis.</p>
<div data-ad-marker="4137218372" data-ad-large="true" data-ad-mobile-only="false" style="margin:20px 0;min-height:250px"></div>



<p class="wp-block-paragraph">Imagine um trabalhador que possui um imóvel em uma cidade da região metropolitana, mas passa a trabalhar em outra área. Mesmo que os municípios sejam limítrofes, o deslocamento entre a residência e o novo local de trabalho pode superar 50 quilômetros pelas estradas e vias urbanas.</p>



<p class="wp-block-paragraph">Pela proposta, se os demais requisitos para utilização do FGTS forem atendidos, a existência desse primeiro imóvel não seria automaticamente um impedimento para a compra de outra moradia com recursos do Fundo.</p>



<p class="wp-block-paragraph">O objetivo, segundo a justificativa da autora do projeto, é evitar que limites administrativos entre municípios sejam o único fator considerado em situações que envolvem deslocamentos longos e mudanças nas condições de moradia ou trabalho.</p>



<h2 class="wp-block-heading">Quem pode ser beneficiado se o projeto for aprovado?</h2>



<p class="wp-block-paragraph">A medida pode beneficiar trabalhadores que já possuem uma casa, mas enfrentam uma mudança de cidade, de emprego ou uma rotina de deslocamento que torna a residência anterior inadequada para sua realidade.</p>
<div data-ad-marker="9609458364" data-ad-large="true" data-ad-mobile-only="false" style="margin:20px 0;min-height:250px"></div>



<p class="wp-block-paragraph">Um exemplo seria o de uma pessoa proprietária de um imóvel em uma cidade vizinha que consegue um emprego em outra região. Atualmente, a proximidade administrativa entre os municípios pode ser relevante para impedir o uso do FGTS, mesmo quando o percurso efetivamente percorrido é longo.</p>



<p class="wp-block-paragraph">Com a alteração proposta, a análise passaria a considerar a distância superior a 50 quilômetros. Ainda assim, a aprovação da nova regra não significaria liberação automática do saldo. Os demais requisitos previstos para movimentação do FGTS continuariam sendo exigidos.</p>



<h2 class="wp-block-heading">Projeto já está valendo?</h2>



<p class="wp-block-paragraph">Não. O PL 481/2026 ainda está em tramitação e não alterou as regras atuais.</p>



<p class="wp-block-paragraph">Segundo os dados da Câmara dos Deputados, a proposta foi apresentada em 11 de fevereiro de 2026, está apensada ao PL 462/2020 e consta como pronta para pauta do Plenário, sob regime de urgência. O PL 462/2020 também trata da possibilidade de ampliar o uso do FGTS para aquisição de mais de um imóvel. Para que a mudança tenha força de lei, o texto precisa avançar no processo legislativo e ser aprovado pelas duas Casas do Congresso, além de cumprir as etapas finais necessárias para entrar em vigor.</p>



<p class="wp-block-paragraph">Por isso, o trabalhador não deve tomar decisões de compra contando com a nova regra antes da aprovação oficial.</p>



<h2 class="wp-block-heading">O que continua igual nas regras do FGTS?</h2>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" loading="lazy" decoding="async" width="1024" height="576" src="https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?resize=1024%2C576&#038;ssl=1" alt="" class="wp-image-1092521" title="" srcset="https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?resize=1024%2C576&amp;ssl=1 1024w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?resize=300%2C169&amp;ssl=1 300w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?resize=768%2C432&amp;ssl=1 768w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?resize=1536%2C864&amp;ssl=1 1536w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?resize=150%2C84&amp;ssl=1 150w, https://i0.wp.com/seucreditodigital.com.br/wp-content/uploads/2026/08/FGTS-4-2.webp?w=1920&amp;ssl=1 1920w" sizes="auto, (max-width: 1000px) 100vw, 1000px" /><figcaption class="wp-element-caption">Imagem: Reprodução/Seu Crédito Digital<br></figcaption></figure>



<p class="wp-block-paragraph">Mesmo com a proposta, a intenção não é transformar o FGTS em um recurso de uso livre para a compra de qualquer imóvel.</p>



<p class="wp-block-paragraph">O próprio texto do projeto prevê a flexibilização de um impedimento específico relacionado à existência de imóvel anterior em determinada distância. Os demais requisitos legais e regulamentares para movimentação do Fundo na aquisição de moradia própria permaneceriam aplicáveis.</p>



<p class="wp-block-paragraph">Na prática, antes de utilizar o FGTS em uma operação imobiliária, o trabalhador deverá continuar observando as regras vigentes no momento da contratação. Essas exigências podem envolver condições relacionadas ao comprador, ao imóvel e à própria operação.</p>



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