Caixa Econômica offers up to R$4.5K today: find out how to apply

Although it is a rather complicated situation, it is common for the beginning of each year to be marked by certain financial stresses, given the situation of certain individuals. That’s because the festivities and celebrations at the end of the year end up claiming some expenses, which often end up thinking out of pocket.

In this sense, Caixa Econômica Federal offers up to R$ 4,500 in a new credit method for citizens. The good news, then, is that the terms of the contract are fairly practical, in addition to the reduced interest rate and the possibility of Caixa granting negative loans.

Thus, it is worth checking out what Caixa Econômica’s new offer is about, as well as the process required to request amounts.

New Caixa Balance

If you need money but don’t know where, and don’t even want to turn to it, Caixa Econômica Federal may have the solution. In other words, the institution is responsible for offering different types of credit, including different types of financing, among other options.

Thus, the novelty of the time is to grant a loan that can range from R$1.5K to R$4.5K. In addition, contracting on credit, as already mentioned, is done in a completely simple and practical way. That is, it is possible to hire without having to leave the house.

Another important point concerns interest rates. This is because, according to Caixa, the method has an interest rate of 1.9% per month. The debt settlement time is also fairly convenient, as it is possible to divide it into up to 24 installments.

Another piece of information that catches the eye of those interested is that the credit can be contracted even by individuals who have a negative number on the CPF (Individual Taxpayer Registration). That is, given the condition of the found equations.

See also: What are the benefits of adding CPF in the note? Does the scale really increase the credit score?

Rules and how to hire

Well, in order to contract a Caixa credit method, it is very important to check the specific rules and conditions that apply to the franchise. First, it is necessary to point out that the credit in question comes from a digital SIM (Digital Microcredit Simplification Program for Entrepreneurs).

Therefore, there are two possibilities for who wants to hire. The first of these is for individuals who work as a MEI (Small Individual Entrepreneur), taking into account the CNPJ (National Registry of Legal Entities). The second, on the other hand, is for individuals who have CPF.

Thus, the recruitment method is slightly different in both cases. So the specific rules are:

• For those working in a MEI capacity – a credit of up to R$4,500, with an interest rate of 1.99% per annum and 24 months to repay the debt;
• For individuals – a credit of up to R$1,500, with an interest rate of 1.95% per month and 24 months for debt settlement.

As a result, individuals who choose employment can apply for credit without leaving home. To make this possible, you only need to access the official Caixa Tem app (bityli.com/SVbrUS). Those who work as MEI, must go to a physical agency of the Caixa Econômica Federal.

Finally, individuals may have to prove their willingness to perform, given the method presented.

See also: Is the income tax return compulsory for those who earn a minimum wage and a half? Know the truth