For the first time in history, Caixa Econômica Federal offers a line of microcredit with the possibility of withdrawing up to BRL 3 thousand for negative. In this case, it is Digital SIM, which offers these lines with the aim of heating up the national economy. However, in order to be able to make the request and receive this value, it is necessary to be aware of the selection criteria, that is, the rules. So, here's what you need to receive that amount!
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The main differential of SIM Digital for most credit lines of banks, whether public or private, is the possibility of negatives to get the money. To do so, just apply to Caixa Econômica Federal and meet some of the basic requirements.
Starting with the intention behind the request, which needs to be for investment in businesses and own ventures. Given that it is limited to the intention, it will be necessary to observe the values available for individuals or for Individual Microentrepreneurs (MEIs). In the case of the first group, the amount of credit available is between R$300 and R$1,000. For those who are MEI, the loan can reach a maximum amount of R$ 3 thousand for use in their own venture.
In both cases, a period of up to 24 months will be given for the payment of the amount in installments. As for the interest rate, it is 1.95% per month. But now, let's see how the citizen can apply to get the benefit.
Individuals will be able to make the request through the Caixa Tem application, which is available for both Android and iOS devices. This is the app that the Federal Government developed for Emergency Aid orders and deliveries during the pandemic, and which now goes to special situations. Once the citizen registers in the app, the next step will be to create the Savings + account.
As for Individual Microentrepreneurs, it will be necessary to go to a Caixa agency and take the necessary documents regarding the business. But be careful, as you must have at least 12 months of billing with the CNPJ for the loan to be approved.
