Caixa Econômica Federal announced its first credit line microcredit for negative people. According to the president of the institution, Pedro Guimarães, the measure should benefit at least 30 million individuals. In addition, Individual Microentrepreneurs (MEIs) can also apply and guarantee special loan payment conditions. For this, interested parties need to contact Caixa, which will see the possibility of release and means of payment.
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Yes Digital Program
This unprecedented initiative was named Simplification of Digital Microcredit for Entrepreneurs, which can also be presented as a Digital SIM. As the name already indicates, this is a project that aims to inject financial resources into national enterprises.
In this case, the federal government hopes to increase working capital in the Brazilian economy. And, for that, you must guarantee the chance of a loan in the amount of R$ 1,000.00 for individuals. Those who are MEI can get up to R$ 3,000, with special payment conditions for both groups.
If desired, the beneficiary may repay the loan in up to 24 installments, while the interest rate will remain at 1.95% for individuals and 1.99% for MEIs. However, the interested party must pay attention to the criteria, as only those who have an annual income of up to R$ will receive the loan. 360 thousand.
How to apply for microcredit for negative people?
Loans began to be requested now at the end of March, from the 28th. So, anyone who is interested can go to any of the Caixa branches with the documentation that proves the income. In addition, the government intends to open the possibility of requesting via Caixa Tem, so that the option will soon be available in the application.
For the time being, the service only takes place in person and should ensure that around 5 million Brazilians receive the loan in the first few months. Furthermore, there is no need to be concerned about the status in the SPC or Serasa, since, although the Check the condition, being negative is not a criterion capable of preventing the approval of the credit.
