Currently, the Caixa Econômica Federal offers loans of up to R$ 100,000 with special conditions for indebted Brazilians. The bank, in collaboration with Caixa Penhor, made the offer public. However, to obtain the value, the citizen must leave a good as a form of payment guarantee. In this sense, better understand how the loan for negatives from Caixa.
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Released the loan for negative by Caixa
According to the loan release rules, the minimum amount offered by the institution is R$50, but the maximum amount can reach R$100,000, depending on the item being pledged.
No assessment at credit institutions, such as SPC or Serasa, is established by the program. In addition, the customer is allowed to borrow up to the FGTS balance, keeping the amounts frozen during the contract period.
With that in mind, interested parties should be aware of the approval process, as well as the amount of the credit, both of which depend on the assessment of the property in question. Therefore, even if the citizen is negative, the loan can be made.
In addition, it is worth mentioning that watches, silverware, first-rate pens, jewelry and even the FGTS are among the items that can be used as collateral. The good must be delivered to the institution at the time of hiring and will only be returned at the end of the debt payment.
How to make the request?
Initially, it is necessary to have a good that can be used as collateral. If you have the opportunity, find out which Caixa Econômica branch offers the credit option closest to you. After that, head to the bank and provide your identity card, proof of address and CPF number.
It will be necessary to inform the bank that you want to participate in the Credit Penhor Caixa program in this case. Therefore, if the asset meets the category criteria, the institution will issue the loan agreement.
It is worth noting that the number of installments and the method of payment will be determined at the time, in consultation with the customer. However, in the case of FGTS as guarantee, the procedure is different and must be dealt with at the branch.
