The federal government recently launched new lines of microcredit for Individual Microentrepreneurs (MEIs) and individuals. Loans are offered through Caixa Tem and are also available for negative loans.
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Thus, it is possible to request loans of up to R$ 3 thousand with a lower interest rate, through the Digital Microcredit Simplification Program for Entrepreneurs (SIM Digital). However, the highest amount available for loan will vary according to the interested party, since the program will have two operations.
Who will be entitled?
In the case of the modality for individuals, it is necessary that the interested party works in some productive activity or in the provision of services to obtain the right to the loan. Only taxpayers who do not have an active credit operation through the SCR (Sistema de Credit Information) until January 31, 2022 will have the chance to apply for microcredit. Thus, the rule will be valid for individuals and MEIs.
Caixa Tem loan interest rates
The modalities of Caixa's new microcredit line, the amounts available for loan and payment conditions will be as follows:
- Individuals: loans of up to R$1,000, with an interest rate starting at 1.95% per month and payment in up to 24 installments. In this modality, negatives may also apply for a loan;
- MEIs: loans of up to R$3,000, with an interest rate starting at 1.99% per month and payment in up to 24 installments.
How can I take out this Caixa Tem line of credit?
To apply for a loan via a digital SIM, the interested party must download the Caixa Tem application, which is available free of charge in the app stores for Android and iOS. The loan review will be done within a week.
Another requirement is to update the application's registration. For this, it is necessary to scan the identity document, send a selfie and inform the monthly income.
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