These days, getting a little money extra is always great, right? Even more so in this financially complicated period we were all subjected to. Whether it's to pay off a debt or fulfill some personal desire, extra money is welcome. In this context, taking out a loan from the bank can sometimes be a good option.
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The big question is that most banks do not lend money to those with a dirty name. In other words, this service is denied to those people who have a negative CPF. With them in mind, Caixa Econômica Federal began to release a loan for this public. Values can reach up to R$ 100 thousand.
Caixa company money through attachment
The bank performs this loan through the attachment system while others offer credit concessions. This means that Caixa will not consult your name at the Credit Protection Service (SPC), but will ask for a good as a form of payment guarantee. That's how the pledge works. Thus, to be able to contract Caixa's loan service, it is necessary to go to an agency and negotiate the terms.
In short, it is not feasible to carry out this procedure over the internet.
Before taking this step, it is important to research which agencies are offering these service hires, as not all of them do this. On Caixa's website, customers can enter some basic information, such as the name of their city and state, then choose “branch branch” to obtain the address of the nearest branch.
After choosing the nearest space, know that it is essential to have some documents such as RG, CPF and proof of residence. You must also bring the item or items you wish to pawn. The amount you will get on loan varies according to the pledged object. The bank accepts: jewelry, valuable pens, watches, silverware and stones and metals such as gold, diamonds and others. Clocks and pens will need to be evaluated.
Loan with pledge of assets
After taking out the loan, Caixa establishes a period of up to 180 days for the return of the goods. For this to happen, the contractor needs to have fulfilled everything that was established through the signed contract. In addition, citizens should be aware of the fact that, if the loan is not paid within 30 days after the end of the term, Caixa will auction the borrower's items.
It is worth remembering that the bank also accepts the FGTS as a guarantee of loan, however an assessment at the agency is also required. Based on this analysis, the credit amount is released under a contract.
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