At a time of economic crisis, many people had to resort to bank loans to be able to close their accounts at the end of the month. Although it is widely used, preferring this financial method requires planning and a good dose of responsibility.
However, the BOX. digital wallet Federal Savings Bank, offers a type of microcredit up to R$3,000 with a fixed maximum contractual limit. In this article we will explain to you who this opportunity is and whether it is the best option for you.
CAIXA micro credit there is a maximum order period
micro credit BOXalso called Digital SIM cardCreated to help Individuals who want to take over small business owners and individuals (MEIs). With an interest rate of 1.95% per month for individuals and 1.99% for businesses, loans of up to R$3,000 can be provided. Even those who are registered with credit protection agencies can rent the service, which has a maximum period of up to 24 months (2 years) to be repaid.
That is, you need to fulfill some requirements before applying for your credit. Digital SIM card. For individuals, the limit is R$1,000 and they must have less than R$3,000 in bank debt completed on January 31, 2022, excluding housing finance and unused limits.
After approval in the bank analysis and framed in the rules Digital SIM cardhe may ask for the amount that should be fully invested in entrepreneurship.
On the other hand, micro-entrepreneurs need to have 12 or more months of activity as legal entities, annual revenue of less than R$81,000, and less than R$3,000 in bank debt completed on January 31, 2022, with the exception of housing finance Unused limits are also subject to credit analysis and digital SIM rules framework. After this process, they can request an amount of up to one thousand Brazilian reais.
How do you hire?
as a small credit BOX Both types of people are allowed, and they adhere to different employment standards. whatever MEIYou should personally go to an agency of cashier And bring all supporting documents, as well as personal documents and CNPJ.
For individuals, just access the app itself BOX As long as they update the system in their digital store. After downloading the latest version, just enter the application and the system will ask for a photo of your document to perform the action Digital SIM card.
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