The Caixa-Tem Loan is a type of credit with several benefits, such as reduced interest rates and easier approval. All of this is due to the fact that it was created precisely to meet the needs of the most vulnerable segment of society.
In other words, Caixa Econômica Federal's credit initiative has a strong social bias, designed precisely to bring more accessibility and democracy to its lending methodology.
The application used to receive the loan can also be used to receive certain government benefits, making everything even more practical for your day-to-day life. Check out the main requirements for obtaining one of the most advantageous loan options in the country!
What is the Caixa Econômica Federal Loan?
THE Caixa-Têm loan This is a form of credit 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 amounts and conditions vary according to each customer profile, and the payment is debited directly from your digital savings account. With benefits such as reduced interest rates and various contractual conditions that favor more conscious financial management.
- Additional program benefits
By creating and updating your CAIXA Tem account, you guarantee all the advantages related to the CAIXA account, which can be used to receive and move funds through a very practical and secure digital bank account. It is worth mentioning that it will be completely free and without monthly maintenance fees.
See the other benefits provided:
- You can make up to 2 withdrawals per month free of charge at self-service terminals and lottery outlets;
- Up to 3 transfers per month to accounts at other banks;
- Transfers are unlimited to CAIXA accounts;
- Issue up to 2 statements per month.
- Loans*;
- Pix and transfers;
- Taking out insurance;
- Balance and statement inquiries;
- Use your account without worrying about the balance limit, which avoids blocks.
- Credit card*;
- Monthly income;
- Withdrawals;
- Payments with QR Code machines;
- Virtual debit card;
- Easy consultation for social benefits;
- Payments via the app and at lottery outlets;
- Cell phone and transport recharge;
- Financial education support.
Through these additional benefits you will have an even more complete and efficient banking experience.
Loans and Interest Rates
It is important to note that every type of loan has a specific interest rate and repayment terms, in addition to other contractual conditions. Therefore, it is necessary to carefully read all the rules and conditions, so that you have greater and safer control over your financial management.
Regarding the loan amount and its rate, you can receive between R$$ 300 and R$$ 1,000 through Caixa Tem. It will have a rate of up to R$3.99% per month, with a repayment term 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$1,000, with an interest rate of up to R$3,601,000 per month, with payments being made over 12 to 24 months.
Most banks offer loans with rates between 4.1% and 7% per month, which means that through Caixa Federal you will have much more advantageous and economical conditions to take out your loan.
Can someone with a bad credit history apply?
Don't worry! Even if you have a bad credit history, you will have the opportunity to have this type of loan approved! As long as your accumulated debt does not exceed the limits stipulated by the requirements! In other words, if you have a bad credit history but your debts are small, you will have the opportunity to have your loan approved! You cannot have debts of more than 3,000 reais incurred before January 31, 2022!
- Step by step guide to applying for a Caixa Tem loan
- First, download the Caixa Tem app on your cell phone (it is available for both Android and iOS).
- Register in the app.
- Open a Savings Account by clicking on the option “Register and open your account” in the app.
- Now click on “Credits Caixa Tem”.
- After choosing the option for credit, you must answer a question about the purpose of this money, whether it will be directed to business or for other purposes. You must 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 goes correctly, the money will be deposited into your Caixa Tem Savings Account.
