Recently, Caixa Econômica Federal launched a series of programs offering microcredit to individuals and MEI entrepreneurs. However, despite being a simple process, some errors can cause this withdrawal to be denied, frustrating some hopeful users.
For you who were curious to know what these errors are, see below how to get the Caixa Tem loan without being denied.
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How does Caixa's loan program work?
Called the Digital Microcredit Simplification Program for Entrepreneurs (SIM Digital), this series of credits released aims to heat up the economy and help individuals who are in need of a quick loan and safe. In this case, amounts can reach up to R$ 1,500 for individuals, who can invest the amount in whatever they want.
Meanwhile, for individual microentrepreneurs (MEI), credits vary between R$ 1,500 and R$ 3,000. However, the resources must be used directly in the company, such as paying bills, purchasing materials, etc. In this way, the program can stimulate popular entrepreneurship.
In the first case, monthly payments can be divided into up to 24 installments, with an interest rate of 1.95%. In the second, payment can also be made in up to 2 years, but with an interest rate starting at 1.99% per month.
What mistakes can make the loan be denied?
When registering, it is very common for some people to fill in the wrong fields in the Caixa Tem application, which can cause some problems when releasing credit. In addition, if the person already receives some benefit and the data that he puts in the register clashes with the one already in the system, there are even more chances that the request will be rejected.
Furthermore, in situations where the Caixa loan is requested from someone with debts above R$3,000 by January 31, 2022, you can be sure that the loan will be refused.
This is because, according to the rule of Ordinance MTP nº 660, Individuals or Individual Microentrepreneurs (MEI) who have operations of credit in banks with credit operations in banks with a total value greater than R$ 3,000 are not eligible for contracting the credit.
