Caixa Tem is, without a doubt, one of the most famous banks in Brazil. Therefore, if you have an account with Caixa, we will show you how to get a Caixa Tem loan.
This is, therefore, a type of personal loan intended for individuals. In addition, microentrepreneurs can also use the money to expand their business.
How does it work?
In order for entrepreneurs to participate, it is necessary to meet the requirements of the Digital Microcredit Simplification Program for entrepreneurs – SIM Digital. In the case of entrepreneurs, this money can be used to pay expenses with suppliers, employee salaries, water and electricity bills, etc.
Those who fit the profiles shown below can have access to credit:
- It is necessary to have less than 3 thousand reais in bank debts up to 01/31/22, not including real estate financing and special check and credit card limits;
- It is important to update your Caixa Tem registration;
- Create a Digital Savings+;
- You must obtain credit analysis approval;
- It is essential to comply with the Digital SIM rules.
If you are part of SIM Digital, it is essential to respect what is stated in Ordinance MTP 660/2022.
What is the loan limit?
For individuals, therefore, the values can reach R$ 1,000.00. On the other hand, for legal entities, the values range from R$ 1,500.00 to R$ 3,000.00.
In both cases, the payment terms are 24 months. In addition, the rates vary from 1.95% to 3.60%. You can therefore contact them through the Caixa Tem app or directly at the branch.
Who is the loan suitable for?
This loan can be taken out by individuals and legal entities, as long as they have an account at Caixa and confirm that they are able to pay the installments.
Advantages
For entrepreneurs, this amount can be used to keep the business running, however, see below other advantages that Caixa Tem loan it has:
- Lower interest rate;
- The deadline for payment of installments is flexible;
- Access to credit is expanded, allowing access for those with bad credit.
Disadvantages
At first, whenever you are going to take out any type of credit, it is important to observe what the pros and cons are. It is also necessary to use the simulator, for this Caixa Tem loan, see the disadvantages:
- The value for hiring is relatively low;
- For the MEI to be able to take out a loan, it is necessary to go to a Caixa branch.
To avoid falling into traps, it is therefore essential to read the contract before signing. If necessary, clarify any doubts with the bank manager.
This will therefore ensure that you have a full understanding of the loan terms and conditions before committing.
How to apply?
If you don't have an account yet, you must download the Caixa Tem app, and also open a free account at Poupança Digital +, for customers who already have an account, they only need to present:
- The residential address;
- Proof of income;
- Forward a photo of your identity document (RG or CNH);
- A selfie (a photo of yourself).
For customers who are MEI, it is important to contact the number 0800 104 0 104, you can update your registration with the following documents:
- CCMEI – Certificate of Individual Microentrepreneur Status;
- DASN SIMEI from the last fiscal year ended with its delivery receipt;
- ID, CPF or CNPJ and proof of residence.
Conclusion
Therefore, keeping accounts up to date with the Caixa Tem loan It's quick, easy and without bureaucracy, just sign up through the app or you can go to one of Caixa's branches, remember, only take out the amount you can afford, avoid unnecessary debts.