The Caixa-Made loan is a type of credit with various benefits, such as interest reduction and facilitation of approval. All this because it was created precisely to meet the needs of the most vulnerable portion of society.
That is, the CAIXA ECONOMO FEDERAL CREDIT INITIATIVE has a high social bias, designed precisely to bring more accessibility and democracy to its loan methodology.
The application used to receive the loan can also be used to receive certain government benefits, making everything even more practical for your daily life. Check out the main requirements for one of the most advantageous loan modalities in the country!
What is the loan of Caixa Econômica Federal?
The cash loan is a credit form that is made available by Caixa Econômica Federal, which is one of the largest and most important financial institutions in Brazil. The loan is directly associated with the CAIXA TEM application, which is a digital platform developed precisely to facilitate access to benefits from government social programs, and which can now be used to receive credits from these loans as well!
The values and conditions vary according to each customer profile, and the payment is debited directly to your digital savings account. Having benefits such as reducing interest rates and various contractual conditions that favor more conscious financial management.
- Additional Program Benefits
When creating and updating your cash account has, you guarantee all the advantages related to Caixa account, which can be used to receive and move resources through a very practical and secure digital bank account. It is noteworthy that it will be completely free and free of monthly maintenance tariffs.
See the other advantages provided:
- You can make up to 2 withdrawals a month for free at self -service terminals and lotteries;
- Up to 3 transfers in the month to the accounts of other banks;
- Transfers are unlimited for Caixa accounts;
- Issue up to 2 extracts per month.
- Loans*;
- Pix and transfers;
- Insurance hiring;
- Balances and extract consultations;
- Use your account without worrying about the balance limit, which avoids blockages.
- Credit card*;
- Monthly income;
- Withdrawals;
- Payments with machines with QR code;
- Virtual debit card;
- Facilitated consultation for social benefits;
- Payments for the application and in lottery houses;
- Cell phone and transportation recharge;
- Financial Education Support.
Through these additional advantages you will have an even more complete and efficient banking experience.
Interest loans and fees
It is important to note that all types of loan has a particular interest rate and payment deadlines. Beyond the other contractual conditions. Therefore you need to carefully read all rules and conditions so that you have greater and safer control of your financial management.
Regarding the amount of the loan and its fee, you can receive between $ 300 to $ 1,000 through the cashier and it will have a fee of up to 3.99% per month, with a payment deadline of 12 to 24 months. Which is a relatively long time with a low rate compared to the market.
For Individual Microentrepreneurs (MEI), it will be possible to approve a loan of up to R $ 3,000, with a interest rate of a maximum of 3.60% per month, and may make payment between 12 to 24 months.
Most banks offer loans with fees between 4.1% to 7% per month, which means that through the Federal Caixa you will have much more advantageous and economical conditions to make your loan.
Who has dirty name can request?
Don't worry! Even if you have a dirty name, you will have the opportunity to approve this type of loan! Provided that the accumulated debt does not exceed the limits stipulated by the requirements! That is, if you have a dirty name but your debts are small, you will have the opportunity to approve your loan! You will not be able to have debts of more than 3000 reais contracted before January 31, 2022!
- Step by step to request the cash loan
- First download the Caixa app has on your phone (it is available for both Android and iOS).
- Sign up for the application.
- Open a savings by clicking on the “Sign up and open your account” in the app.
- Now click on "cashier has" .
- After choosing the credit option, you should answer a question about the purpose of this money, whether it will be directed to business or other purposes. You should choose “Business” if you want more beneficial settings
- Now a photo of your document and a selfie to confirm your identity.
- Wait for approval, if everything happens correctly, the money will be deposited in your cash savings.
