An alternative for those who are in need of money is the Caixa loan for negatives It is MEIs (Individual Microentrepreneurs). With the new line of credit, small business owners and citizens with a dirty name can get loans of up to R$3,000. And it is now possible to apply. Check out the details of this news now and learn how to take advantage of it!
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The new loan is also known as SIM Digital (Digital Microcredit for Entrepreneurs) and should benefit more than 4.5 million people. To receive it, interested parties must inform the purpose of the credit, that is, how the money will be applied. If you are in doubt, you can do a financing simulation to find out the value of the installments.
Individual Microentrepreneurs may request a loan in the amount of up to R$ 3 thousand, with interest from 1.99% per month, which totals 26.68% per year. In addition, installments can be up to 24 months.
On the other hand, individuals who are negative can request up to R$ 1 thousand, with interest from 1.95% per month, being 26.08% per year. The installment can also be made in up to 24 months.
For individuals, the request can be made through the Caixa Tem application. It is necessary to carry out a cadastral update before placing the order. Once this is done, just enter the app and select the option Caixa Tem Credit. The team will be able to evaluate the request within 10 days.
Unlike the modality for individuals, MEIs must go to a Caixa branch to apply for the loan. However, according to the president of Caixa, Pedro Guimarães, there is a possibility that credit will also be offered to this public through the application in the near future.
According to Agência Brasil de Notícias, beneficiaries of Auxílio Brasil will also be able to apply for loans with the benefit as a form of guarantee. However, the Ministry of Citizenship still needs to regulate this alternative.
The body needs to define some details such as term limits, interest and authorization for institutions financial institutions so that there can be a discount on the benefit, whose maximum limit will be up to 40% - margin consignable.
