One piece of news excited entrepreneurs who need a financial incentive: the box has, a program introduced during the Covid-19 pandemic, will offer loans of up to R$1,000, with below-average interest rates. The benefit will be available to people with name restrictions and beneficiaries of the Bolsa Família social program.
How does the Caixa Tem line of credit work?
see more
Japanese company imposes time restriction and reaps benefits
Alert: THIS poisonous plant landed a young man in the hospital
Announced recently, this measure has the main objective of promoting the entrepreneurship in the country, allowing small entrepreneurs to invest in their businesses. One of the requirements for releasing the line of credit is that the amount obtained is fully allocated to create or improve an existing enterprise.
That is, it is necessary to prove that this is the purpose of the loan, since other purposes are not included in the initiative. This can be an advantageous option for low-income people or those with negative names, who would have difficulty obtaining credit from traditional institutions.
Rules for contracting the loan
Conditions and rules for loans vary according to the applicant's category. Check the information below:
Physical person
For individuals, the maximum contracted amount is R$1,000 and the payment period varies between 18 and 24 months. In this case, the interest rate is around 3.99% per month. To be eligible, the applicant must have debts of up to BRL 3,000, having been contracted by the end of 2022.
Individual Microentrepreneur (MEI)
To the small entrepreneurs, the conditions are a little more flexible. The hiring ceiling is BRL 3,000.00 and the interest rate is between 1.99% and 3.60% per month, while the term for installments is 24 months. In addition, the CNPJ must have been active for at least 12 months and the request must be made at a physical branch of Caixa Econômica.
Step by step to apply for credit
The request can be made from home, using the Caixa Tem application. If you don't already have an account on the platform, you can create one in a few moments: just download the app. See the step by step:
- Access the Caixa Tem application and create or update your registration.
- Upload a photo of your ID, along with a selfie.
- Please allow up to ten days for the registration to be updated.
- Click on the “Loan – Caixa Tem Credit” option.
- Follow the instructions displayed on the screen to proceed with the contract.
- Confirm the loan application.
