Last month, Caixa Econômica Federal launched a new type of loan, microcredit, in the amount of up to R$ 1,000 for Brazilian citizens who have a bad name in the system. This will be the first time that Caixa will release this type of credit to negative people, so maybe it's time to take advantage. To learn more about this loan for negative people, check out the following article.
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Important information about Caixa microcredit
Requests began on March 28, according to the Digital Microcredit Simplification Program for Entrepreneurs, also known as the Digital SIM.
The credit line is divided into two modalities: individuals and legal entities, as well as MEIs. for the first In this case, loans will be up to R$ 1,000, with an interest rate starting at 1.95% per month, which can be paid in up to 24 months.
As for legal entities and MEIs, the loan can be up to R$ 3 thousand. The interest rate will be slightly higher, from 1.99% per month, and can also be paid in up to 24 months.
How to apply for microcredit?
Individuals can apply for the benefit through the Caixa Tem application, in the part called Caixa Tem Credits. The hiring will be done automatically, and Caixa asks for up to one week for the application to be analyzed.
For MEIs, until then it is necessary to go to a Caixa agency in person to apply for the loan. However, in a few days the feature will also be available through the application. It will be necessary to take documentation that proves the business, in addition to informing the purposes of the loan.
