This new way of microcredit It was launched by Caixa Econômica Federal at the end of March and is available for rent through the Caixa Tem application and also in branches. banco.
See also: Can Negatives and MEIs be applied to a New Caixa Loan?
One of the great benefits of this new method is the people with the name Denial You can also apply for the loan.
Initially, this new measure announced by the federal government aims to provide resources to people who want to start a business, as well as those who are already individual microentrepreneurs (MEI).
The terms of employment differ from one group to another, however, they are very similar, with only a few differences. See below what they are:
- Individuals: they can request loans for an amount of R$300 to R$1,000, with interest rates starting at 1.95% per month and can be paid in a maximum of 24 installments.
- MEI (Individual Micro Entrepreneur): You can request a loan from R$1,000 to R$3,000, with interest rates starting at 1.99% per month, and you can repay the loan in a maximum of 24 installments.
People can apply through the Caixa Tem application available for Android and iOS platforms. And only MEI can request a file loan Through real bank branches.
And for those who do not have an account in the Caixa Tem app?
For individuals who do not have a Caixa Tem account, they can also request a loan, without any problem.
A person will only need to download the Caixa Tem app and create an account, it will only take a few minutes and everything is done for free. Once all the registration processes have been completed, it is necessary to complete the registration by sending the photos and documents requested by the Caixa Tem application.
It is important to point out that this new type of loan launched by Caixa Econômica Federal aims to encourage leading companies individual, so the use of money must be justified.
Also, people who have Noun disgusting (negatively), you cannot have debts greater than R$ 3,000, before taking out the loan.
And for those who are MEI, the bank requires proof of invoices of at least 12 months with the CNPJ, another requirement is that they do not have active credit accounts in the credit information system until January 2022.
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