That year, the Federal Government made available to millions of Brazilians the possibility of the “Sim Digital” loan. This type of credit is available through Caixa Tem, and should help citizens who already have their own business or wish to invest. In addition, there are four other criteria for getting a loan through Caixa Tem. See here if you meet all the rules.
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As already mentioned, the two new Caixa Tem microcredit lines are available for those who want to invest in their own business. Including, there is no need for a business that already exists, but that is an objective of the citizen, instead of allocating the money to expenses with other expenses. Thus, both individuals and MEIs can use this opportunity.
If you only used the Caixa Tem app during the emergency aid season, then you will probably need to update it. Through the registration update, you will be able to access a Poupança Digital+ account, and then access the loan application. In addition, the update will be important for Caixa to be able to analyze its data efficiently.
This type of loan can also be used by people who have a dirty name, but not all negatives will be able to. That's because the Federal Government decided to limit up to R$ 3 thousand in bank debts. Additionally, these debts must be dated no later than January 31, 2022. However, if your debt is related to home loans and unused credit limits, then you can get the loan.
For those who are Individual Microentrepreneurs (MEI), there is a need to present proof of more than 12 months of activity. In addition, MEIs should observe one more issue, which is the fact that they need to have a legal account at Caixa. Only then will it be possible to have more chances of being approved.
