The Caixa Econômica Federal Federation (CEF) announced in March loans up to R$ 1,000 for individuals and up to R$ 3,000 for individual microentrepreneurs (MEIs). The program was launched last week and, for the first time, credit will also be given to those with bad or negative names in the SPC and Serasa.
This one loan da Caixa is part of the SIM Digital program to simplify digital microcredit for entrepreneurs. It was released along with other measures, such as the release of the Output Compensation Fund (FGTS) of up to R$ 1,000 and the INSS 13th salary forecast.
Who can apply for a Caixa loan?
loans of up to 1,000 reais by the Caixa Econômica Federation are those who carry out productive or service activities, including those with a dirty name. Contractors have up to 2 months (two years) to make payments, with interest of 1.95% per month.
For MEIs and legal entities, the credit can be up to R$ 3,000. The payment term of loan with Caixa it is the same, but the interest rates are different. In this case it is 1.99% per month.
It should be noted, however, that only those with no credit activity operating through the credit information system made available by the Central Bank of Brazil, until January 31 of this year, can apply for Credit. The idea of the Ministry of Labor and Employment is to give credit to “individual entrepreneurs, stimulating the generation of employment and income”.
How to apply?
Interested parties can apply for a loan through the Caixa Tem application. Otherwise, the MEI must go to a physical branch of the bank. After requesting the credit, CEF will analyze it within one week to define the amount.
How to open a Caixa TEM account?
Brazilians who still do not have a digital social savings account can download the application from Google Play or the App Store and create a subscription by providing the requested data and taking an identification document with a photo (RG or CNH). After this step, you only need to wait for 2 hours to gain access to the issued account.
Poupança Digital na Caixa allows customers to transfer funds through the application to pay bills, pay bills, make purchases with a virtual debit card, transfer funds to another account and withdraw with the possibility of withdrawing without a card.
Caixa Tem has no monthly management fee and offers the following services free of charge:
Up to 02 withdrawals of electronic money (without card) per month at ATMs, lottery outlets and/or agents;
Maximum of 03 monthly transfers to accounts of other banks;
Unlimited transfers to CAIXA accounts;
Transfer and receive unlimited via Pix;
Carry out inquiries through digital media, websites or applications made available by CAIXA.
People who receive benefits from the federal government through Caixa will be able to update their social accounts for digital savings by accessing the “Update your subscription” option in the app. The Caixa Tem update is required for users to apply for the Caixa Tem loan.
Most data can be updated by cell phone, such as address, income and occupation. The signature will then be submitted for review and the user will be notified in the app when the process is complete without the need to reach out to an agent.
Other data giving access to Caixa accounts Stamps, such as users' telephone numbers and e-mails, can only be changed at a Caixa branch for security reasons.
Many customers had their Caixa Tem account blocked after carrying out several transactions on the same mobile phone or changing the telephone number (chip). Unlocking a Caixa Stamp account can be done at a bank or lottery agent, with a cell phone with the application installed and an identification document with a photo (RG or CNH).