With Caixa Tem, a loan of up to R$1,000 can be provided. The credit contract is for individuals and must be done by cell phone. It is worth noting that the loan can be repaid in a maximum of 24 installments.
secondly Information provided by CaixaMinimum loan amount is 300 BRL, with rates starting from 1.95% per month. Credit contract is also available to citizens with name Negationas long as they do not have more than R$3,000 on loan on January 31, 2022.
In addition, Caixa users must be entrepreneurs and have income. However, it is not necessary to have a formal contract for employment loan. It is worth noting that there is also a type of loan for MEI clients.
Learn how to borrow
The loan contract must be done directly in the Caixa Tem app, without having to go to a Caixa Ecomica Federal Branch. To do this, you need to log into the application and click on “Loan”. It is important that the user’s personal data is up-to-date, for this, you only need to click on “Update your registration”.
Then you will need to click “Next”, “I have read and agree to” and “I want my savings +”. In this way, Caixa Tem will ask the user to submit some documents and personal data.
After submitting all required data, Caixa will perform an analysis of the information which may take up to 10 business days. Therefore, when everything is verified, the customer will be notified by cell phone.
After that, it will be necessary to click on “Loans” on the main Caixa Tem screen. In the app’s chat, you can click on Simulate and Recruit to check out all loan contract options. If the loan is available to the user, just follow the instructions in the application.
Learn more about the loan for MEI customers
according to Federal Savings BankClient MEI (For individual micro-entrepreneurs) They can also apply for credit and the hiring rules are the same. Although, in the case of individual micro-entrepreneurs, it is necessary to have 12 months of activity or training National Register of Legal Entities (CNPJ). It is also necessary to have a file PJ . account in the box.
Unlike a loan to individuals that can be offered at a Caixa Tem, a MEI credit must be contracted directly at a Caixa branch. For this, it is important to bring the following documents:
- Certificate of Individual Small Entrepreneur Status (CCMEI);
- Annual Declaration of Simples Nacional (DASN) for the last fiscal year ending with a delivery receipt;
- Personal documents such as RG, CPF, proof of residence and marital status.
Get to know Caixa TEM
Caixa Tem was established in 2020 to facilitate citizens’ access to services and Bank transactions. The main purpose of the application was to deposit social benefits such as emergency assistance from the federal government.
Application his square It allows users to send and receive money, pay bills, and use PIX, the Brazilian Central Bank’s instant payment system. With so many people joining the app, Caixa is developing new services like loans.
