The official Caixa app unlocks up to R$3,000 for thousands of Brazilians; learn to ask

Caixa Econômica Federal, through Caixa Tem, offers a loan line of up to R$3,000 on special terms to individuals who wish to become entrepreneurs or to individual micro-entrepreneurs (MEI) who need assistance to maintain their business.

Want to know more about my credit, what are the scholarship rules and how to get hired? So keep following us below so you don’t miss out on any important information!

Cash loan through the app

In principle, the opportunity has been available since March of this year for individuals, who have access to an amount of R$1,000, or to individual micro-entrepreneurs, who can order amounts of up to R$3,000.

Each of these groups has specific franchise rules, such as interest rates, which are 1.95% per month for individuals and 1.99% per month for MEIs. The repayment term for both is up to 24 months.

In fact, the good news is that even people with a negative name can reach the credit line, except that the only rule in this case is not to owe more than 3 thousand Brazilian reals.

In the case of MEIs, in addition to the fact that the maximum amount of debt is the same, it is necessary to work with the CNPJ for at least twelve months.

see also: How can I withdraw 1000 BRL through the Caixa Tem app? Check the requirements!

Who is entitled to a line of credit?

Furthermore, as mentioned earlier, there are two groups that can access the values. However, the recruitment methods for each differ. Check it out below.

The person who wants to do

• Individuals who wish to carry out or improve their business can apply for the method, regardless of whether they receive Auxílio Brasil or not;
• You must have an updated Caixa Tem registration;
• They must also have a digital social savings account in the app;
• It must pass a bank credit review.

Recruitment in this case can be done entirely through the Caixa Tem app (Android: https://bityli.com/SVbrUS or iOS: https://bityli.com/FwISrT), just update some important information before ordering the method, which will be available after consulting the bank for consumer credit data.

Individual Small Entrepreneur (MEI)

In the case of small entrepreneurs, the rules are as follows:

• He must have been in business as a small contractor for a period of more than twelve months;
• You have debts less than R$3,000, excluding housing, bank financing or unused borders;
• Its annual turnover should reach R$81,000;
• You must have a corporate account with the financial institution;
• It must be approved in a Caixa credit analysis.

Recruitment here works differently from individuals, the MEI must appear in person at the bank branch with the appropriate company documents to apply for the loan.

Although, Caixa has already reported that it will soon be able to launch the nodes online for this group as well, but there are still no expectations for this.

see also: In need of credit? Caixa Econômica may have the right solution for you!