Recently, Caixa Econômica Federal began to release credit for individuals and individual microentrepreneurs (MEIs). These loans are part of the Simplified Microcredit program (SIM Digital), and are an excellent opportunity for people who do not have easy access to credit. See below how to apply for these loans of up to R$ 3 thousand.
Read more: Loans for negatives: check out Caixa's new modality
see more
Confirmed: Samsung really is producing foldable screens for…
China conducts experiments with zebrafish on the space station…
The process to get the loan is simple and can be done through the Caixa Tem application. However, first of all, it is necessary to have the registration data updated. In this way, the bank will be able to carry out the necessary analysis to release the credit. In addition, according to Caixa, it is necessary to transform Caixa Tem's digital social savings account into a Caixa Digital Savings Account.
With the updated data, the loan for individuals ranges from R$ 300 to R$ 1,000, and can be divided into up to 24 months, with rates starting at 1.95% per month. In these lines for individuals, credit is freely allocated and can be used for personal expenses or debt payments.
For micro-entrepreneurs, this credit can reach up to R$ 3,000, also with a period of up to 24 months to pay, but with rates starting at 1.99% per month. However, MEIs will only be able to apply for the loan at agencies. In addition, the money must be invested in the business itself, such as paying bills or debts and purchasing materials.
For personal loans, with an updated registration, just download the Caixa Tem app, available for Android and iOS devices. Log in with your CPF and password, and look for the “Crédito Caixa Tem” option. Then choose the option “Hire Caixa Tem Credit” and indicate how you will use the amount. Finally, when choosing the value of the installments, you will go through a simulation, where you will be able to understand the conditions of the loan.
