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As of March 2022, the Caixa Tem application now has the Caixa Tem Loan through Sim Digital – an initiative aimed at facilitating digital microcredit for entrepreneurs.
These resources can be used to invest in a business or cover expenses such as paying suppliers and household bills.
Follow along and find out how!
Read too:
How to apply for a Caixa Tem loan
For new users
- Install the Caixa Tem app (available for Android and iOS);
- Register on the application;
- Choose “Register and open your account” to start Savings in the app;
- On the main interface, select “Crédito Caixa Tem”;
- Specify the purpose of the loan – whether for business or other purposes;
- For the business option, send a photo of an ID along with a selfie for verification;
- After approval, the amount will be credited to Poupança Caixa Tem, and the installments will be automatically debited from it.
For already registered users
- Open the application and update your information;
- Provide the requested data;
- Update documentation with a photo of the document and a selfie;
- Digital Social Savings will be converted to Caixa Tem Savings after this update;
- Wait for the credit analysis (it may take up to 10 days).
If approved, access “Loan Caixa Tem” to complete the request.
Once contracted, the amount will be transferred to Poupança Caixa Tem, and the installments will be debited directly from this account.
For Individual Microentrepreneurs (MEI)
Individuals with MEI status must follow a different process. It is necessary to go to a Caixa branch in person and request the loan, which has a range of R$ 1,500 to R$ 3,000.
To do this, it is essential to have the MEI registration active for at least one year. Furthermore, having a corporate account at Caixa is a prerequisite. The required documentation includes the CCMEI, the DASN SIMEI from the last fiscal year and personal documents.
With the credit approved, the amount is credited to the Legal Entity Account, and the installments are debited from it.
Restrictions
Despite the program's openness to entrepreneurs and self-employed people, there are some limitations.
Anyone who had debts greater than R$ 3 thousand until January 31, 2022 is not eligible, as stipulated by MTP Ordinance No. 660 of March 28, 2022.
It is worth noting that housing financing is not included in this calculation.
Values and Fees
The amount requested can range from R$ 300 to R$ 1,000 for self-employed entrepreneurs, with rates of up to 3,99% per month and payment terms of 12 to 24 months.
For MEIs, the maximum value is R$ 3 thousand, with a maximum rate of 3.60% per month and the same period for payment.
Comparatively, Caixa offers one of the most attractive rates on the financial market, since, in other banks, interest rates can exceed 4.1%, reaching up to 7%.
It is expected that, with these guidelines, applying for a Caixa Tem Loan will be a simplified process for entrepreneurs and self-employed people seeking financial support.
Conclusion
In summary, the application box has emerges as an effective and innovative tool, promoting easy access to microcredit for entrepreneurs and self-employed people.
With a simplified application process and competitive rates, it is positioned as an attractive option for those looking for resources to invest in their business or cover essential expenses.
MEIs also have a specific service channel, demonstrating the bank's concern with serving all categories of entrepreneurs.
However, it is essential that applicants are aware of the requirements and restrictions to ensure a positive and successful experience.
In this scenario, Caixa Tem confirms Caixa Econômica Federal's commitment to promoting inclusive financial solutions adapted to the emerging needs of the Brazilian market.
Now you know how to apply for a Caixa Tem Loan, use the information wisely!
See also how the Digital Antenna works: here! Doubts? Leave it in the comments!
