Among the different types of credit Caixa Economica Federal Offers a loan of up to R$100,000 on special terms to people with bad credit. The Foundation informed that the offer is based on the Caixa pledge.
Initially, in order for the loan amount to be released, the client must leave an asset as collateral for repayment of the debt. It is important to note that the minimum loan amount is R$50 and the maximum can go up to R$100,000, depending on the purpose to be pledged.
According to Caixa, one of the advantages of the loan is that the program does not generate any rating by credit institutions, such as SPC or Serasa. Also, to further facilitate the franchise, the customer can pledge up to the FGTS balance, keeping the amounts frozen during the contract period.
Thus, the interested parties must be aware of the approval and value of the credit, which will depend on the valuation of the encumbered asset. Thus, even if a citizen has a bad name, it is possible to get a loan.
Customers can use items such as: watches, silverware, quality pens, jewelry and even FGTS as collateral. The pledged asset must be handed over to the organization at the time of employment, and returned only at the end of the payment of the debt.
How to apply for credit?
First, it is necessary to have an item that can be placed as collateral. If you have one, check which branch of Caixa Econômica offers the credit method, being the one closest to you. Once this is done, go to the bank and provide your ID document, CPF, and proof of address.
It will be necessary to inform that you want to contract with the credit pledge program cashier🇧🇷 Remember that the item that will be placed as collateral must be taken for evaluation.
Thus, if the commodity fulfills the criteria according to the category, the enterprise will enter into the loan contract. It should be noted that the number of installments and the method of payment will be determined at that time with the customer.
However, if the guarantee is FGTS, the Caixa branch manager must perform a calculation to determine the amounts and terms of payment. With all steps completed, the bank will deposit the funds.
FGTS guarantee
The Separation Compensation Fund (FGTS), into which Caixa manages the payments, can also be used as collateral to repay the loan. In this case, the problem of defaulting on installment payments is solved by direct withdrawal from the FGTS of the corresponding amount of debt.
In this form, the amount awarded is 10% of the available balance in the fund account and 40% of the fine on dismissal without just cause.
To apply, the company must have joined the service. In this case, the citizen should contact the personnel department (DP) or human resources (HR) for more information.
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