June 28, 2022
Can someone who does not have a Caixa Tem account apply for a passive loan?

Can someone who does not have a Caixa Tem account apply for a passive loan?

This new mode of micro credit It was launched by Caixa Econômica Federal at the end of March and is available for rental through the Caixa Tem app and also in branches bank.

see also: Can Negatives and MEIs Apply to a New Caixa Loan?

One of the great benefits of this new method is the people with the name Denial He will also be able to apply for the loan.

Initially, this new measure announced by the federal government aims to provide resources to individuals who want to start a business, as well as to those who are already individual micro-entrepreneurs (MEI).

The terms of employment differ from group to group, however, they are very similar, with only a few differences. See below what they are:

  • Individuals: They can apply for loans in the amount of 300 R$ to 1000 R$, with interest rates starting from 1.95% per month and can be repaid in a maximum of 24 installments.
  • MEI (Individual Micro Entrepreneur): You can apply for a loan of R$1,000 to R$3,000, with interest rates starting from 1.99% per month, and you can repay the loan in a maximum of 24 installments.

Individuals can apply through the Caixa Tem app available for Android and iOS platforms. And only MEIs can request a file loan Through actual bank branches.

And for those who do not have an account on the Caixa Tem app?

For individuals who do not have a Caixa Tem account, they can also apply for a loan, without any problem.

A person will just need to download the Caixa Tem app and create an account, it will only take a few minutes, and everything is done for free. Once all the registration processes are completed, it is necessary to complete the registration by submitting the photos and documents requested by the Caixa Tem application.

It is important to note that this new type of loan launched by Caixa Econômica Federal aims to encourage leading businesses individual, so the use of money must be justified.

Moreover, people who have Noun nasty (negative), she cannot have debts greater than R$3,000, before taking the loan.

And for those who are MEI, the bank requires proof of bills of at least 12 months with CNPJ, another requirement is that it does not have active credit accounts in the credit information system until January 2022.