Microcredit is part of SIM Digital – Digital Microcredit Simplification Program and aims to provide loans to negative borrowers and microentrepreneurs who normally have little access to credit, including individuals and small negative companies.
Caixa's new microcredit will be made available to two different audiences, which are individuals and also Individual Microentrepreneurs (MEI).
Citizens can apply for a microcredit of up to R$ 1,000 (inclusive for whom). has a dirty name)
MEI can apply for microcredit of up to R$ 3,000.
Conditions for applying for the loan
For citizens, microcredit is worth up to R$ 1,000, and the employee can pay off the loan in up to 24 monthly installments.
The microcredit will also have monthly interest of 1.95%. Citizens with a bad name can also contract.
The recruitment process is simple, just download the Caixa Tem app on your cell phone, agree with the information, fill in the necessary data and that's it, within 7 days the money will be available.
Loan for MEI
For individual microentrepreneurs, the microcredit is up to R$ 3 thousand and the MEI can pay off the loan in up to 24 months. Microcredits have an interest rate of 1.99% per month.
In the case of MEI, the contract must meet some requirements, such as: B. Caixa account and minimum income of 12 months.
- Finally, according to Caixa, MEI will also be able to issue microcredits via Caixa Tem in the coming weeks, but initially only at Caixa Econômica branches.
Step by step to request a loan for negative people and MEIs
- On the Caixa Tem home screen, select Digital SIM – Caixa Tem Loan;
- On a chat-like screen, select the complete CAIXA Tem balance;
- Then answer how the money will be used, whether for business or personal use;
- After that, you will be informed that there are questions to be answered about the credit. Tap Next and respond to go to the next screen;
- After this step, simply define the loan amount within the limits offered by Caixa;
- After that, choose the due date and the value of the installments that fit your budget;
- After completing this step, the application will present a summary of all the steps performed. If you need to change any information, simply click on the Change Values option;
- Before completing the transaction, you will be given the Lifetime Credit option, which charges 30 reais more, but guarantees payment of the loan in the event of the contracting party's death or permanent disability;
- If everything is correct, the next window will appear with the loan agreement. Read everything carefully before completing the process;
- To complete the process, simply enter the Caixa Tem password;
- Concluded! The window returns to the conversation with the virtual companion who will validate the transaction. Then just wait for the money to arrive in your account, a process that can take a few hours.
