Brazilians have had difficulties when it comes to making the monthly stipend pay off. For many people, the rewards received for work are no longer enough to pay all the bills and expenses that you receive constantly.
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In this sense, the federal government has issued a new form of Credit to stimulate professional growth And help those who have always dreamed of opening or improving their own business. Any citizen can apply including Negatives And who take Brazil Aid.
How does the initiative work?
Through the Digital Microcredit Streamlining Program for Entrepreneurs (Digital SIM card), normal persons individual small business ownersMEI) It is possible to apply for easy credit without bureaucracy. This measure aims to formalize small businesses and encourage grassroots entrepreneurship.
With the loan, the contractor can purchase raw materials and goods for resale, pay the water and electricity bill, rent for the facility, pay expenses with suppliers, and employee salaries, among other purposes. It is a chance to earn some extra money and improve your life.
What are the requirements to obtain it?
To begin, the interested party must inform him of his desire to use the funds to start or improve an economic activity. In addition, the citizen must have a digital savings account +, be certified in credit analysis and have a bank debt of less than 3 thousand Brazilian reals on January 31, 2022, excluding housing finance and unused limits.
For this group, the value of Loan Negatives from Caixa It ranges between 300 R$ and 1,000 R$. Interest rates are affordable, with percentages starting at 1.95% per month. The repayment term can be up to 24 months (2 years).
For the audience of micro-entrepreneurs, a credit of 1,500 to 3,000 R$ is offered. Receipt requirements include being a legal entity, having an annual turnover of R$81,000 annually, having served as an MEI for at least 12 months and being approved in a credit analysis.
In this case, the interest charged starts from 1.99% per month, with a repayment period of up to 24 months. People with incorrect names can also participate.
How to order and withdraw?
In the case of individual entrepreneurs, an application is made for a credit of up to one thousand Brazilian riyals Via the Caixa Team . app. Simply update your social savings account to Poupança Digital + and then request the credit.
As for the group of individual micro-entrepreneurs, the request for resources is made personally, only in Caixa physical branches. Despite this rule, the intention is that the digital version of the credit will be released to this audience in the future.
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