{"id":3630,"date":"2023-10-23T14:31:12","date_gmt":"2023-10-23T17:31:12","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=3630"},"modified":"2023-12-08T17:54:47","modified_gmt":"2023-12-08T20:54:47","slug":"emprestimo-caixa-tem-veja-como-solicitar-atraves-do-app","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/en\/emprestimo-caixa-tem-veja-como-solicitar-atraves-do-app\/","title":{"rendered":"Caixa Tem Loan: See how to request it through the app"},"content":{"rendered":"<p class=\"wp-block-paragraph\">As of March 2022, the Caixa Tem application now has the Caixa Tem Loan through Sim Digital \u2013 an initiative aimed at facilitating digital microcredit for entrepreneurs.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These resources can be used to invest in a business or cover expenses such as paying suppliers and household bills.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Follow along and find out how!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Read too:<\/h2><nav><ul><li class=\"\"><a href=\"https:\/\/noticias-gerais.online\/desenrola-brasil-desconto-em-dividas-do-cartao-de-credito\/\">Desenrola Brasil: Discount on credit card debts of up to 96%\u00a0<\/a><ul><\/ul><\/li><li class=\"\"><a href=\"https:\/\/noticias-gerais.online\/pix-parcelado-o-que-e-e-como-funciona\/\">Pix Installments: what is it and how does it work?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"como-solicitar-emprestimo-caixa-tem\"><strong>How to apply for a Caixa Tem loan<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"570\" src=\"http:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/Auxilio-Emergencial-Atualize-seu-CADASTRO-no-Caixa-Tem-para-RECEBER-as-PARCELAS-1024x570-1.jpg\" alt=\"Empr\u00e9stimo Caixa Tem\" class=\"wp-image-3631\" srcset=\"https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/Auxilio-Emergencial-Atualize-seu-CADASTRO-no-Caixa-Tem-para-RECEBER-as-PARCELAS-1024x570-1.jpg 1024w, https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/Auxilio-Emergencial-Atualize-seu-CADASTRO-no-Caixa-Tem-para-RECEBER-as-PARCELAS-1024x570-1-300x167.jpg 300w, https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/Auxilio-Emergencial-Atualize-seu-CADASTRO-no-Caixa-Tem-para-RECEBER-as-PARCELAS-1024x570-1-768x428.jpg 768w, https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/Auxilio-Emergencial-Atualize-seu-CADASTRO-no-Caixa-Tem-para-RECEBER-as-PARCELAS-1024x570-1-150x83.jpg 150w, https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/Auxilio-Emergencial-Atualize-seu-CADASTRO-no-Caixa-Tem-para-RECEBER-as-PARCELAS-1024x570-1-696x387.jpg 696w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"para-novos-usuarios\"><strong>For new users<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Install the Caixa Tem app (available for Android and iOS);<\/li>\n\n\n\n<li>Register on the application;<\/li>\n\n\n\n<li>Choose \u201cRegister and open your account\u201d to start Savings in the app;<\/li>\n\n\n\n<li>On the main interface, select \u201cCr\u00e9dito Caixa Tem\u201d;<\/li>\n\n\n\n<li>Specify the purpose of the loan \u2013 whether for business or other purposes;<\/li>\n\n\n\n<li>For the business option, send a photo of an ID along with a selfie for verification;<\/li>\n\n\n\n<li>After approval, the amount will be credited to Poupan\u00e7a Caixa Tem, and the installments will be automatically debited from it.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"para-usuarios-ja-cadastrados\"><strong>For already registered users<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Open the application and update your information;<\/li>\n\n\n\n<li>Provide the requested data;<\/li>\n\n\n\n<li>Update documentation with a photo of the document and a selfie;<\/li>\n\n\n\n<li>Digital Social Savings will be converted to Caixa Tem Savings after this update;<\/li>\n\n\n\n<li>Wait for the credit analysis (it may take up to 10 days).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If approved, access \u201cLoan Caixa Tem\u201d to complete the request.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once contracted, the amount will be transferred to Poupan\u00e7a Caixa Tem, and the installments will be debited directly from this account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"para-microempreendedores-individuais-mei\"><strong>For Individual Microentrepreneurs (MEI)<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the credit approved, the amount is credited to the Legal Entity Account, and the installments are debited from it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"restricoes\"><strong>Restrictions<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Despite the program&#039;s openness to entrepreneurs and self-employed people, there are some limitations.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is worth noting that housing financing is not included in this calculation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"valores-e-taxas\"><strong>Values and Fees<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"http:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/naom_62456f6069af9-1024x576.jpg\" alt=\"\" class=\"wp-image-3632\" srcset=\"https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/naom_62456f6069af9-1024x576.jpg 1024w, https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/naom_62456f6069af9-300x169.jpg 300w, https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/naom_62456f6069af9-768x432.jpg 768w, https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/naom_62456f6069af9-1536x864.jpg 1536w, https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/naom_62456f6069af9-150x84.jpg 150w, https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/naom_62456f6069af9-696x392.jpg 696w, https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/naom_62456f6069af9-1068x601.jpg 1068w, https:\/\/noticias-gerais.online\/wp-content\/uploads\/2023\/10\/naom_62456f6069af9.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">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.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For MEIs, the maximum value is R$ 3 thousand, with a maximum rate of 3.60% per month and the same period for payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusao\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In summary, the application <a href=\"https:\/\/www.caixa.gov.br\/credito-caixa-tem\/Paginas\/default.aspx\" target=\"_blank\" rel=\"noopener\">box has<\/a> emerges as an effective and innovative tool, promoting easy access to microcredit for entrepreneurs and self-employed people.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">MEIs also have a specific service channel, demonstrating the bank&#039;s concern with serving all categories of entrepreneurs.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, it is essential that applicants are aware of the requirements and restrictions to ensure a positive and successful experience.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this scenario, Caixa Tem confirms Caixa Econ\u00f4mica Federal&#039;s commitment to promoting inclusive financial solutions adapted to the emerging needs of the Brazilian market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now you know how to apply for a Caixa Tem Loan, use the information wisely!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">See also how the Digital Antenna works: <a href=\"https:\/\/noticias-gerais.online\/kit-antena-digital-veja-como-conseguir-gratuitamente\/\">here<\/a>! Doubts? Leave it in the comments!<\/p>","protected":false},"excerpt":{"rendered":"<p>A partir de mar\u00e7o de 2022, o aplicativo Caixa Tem passou a ter o Empr\u00e9stimo Caixa Tem por meio do Sim Digital &#8211; uma iniciativa voltada \u00e0 facilita\u00e7\u00e3o do microcr\u00e9dito digital para empreendedores.&nbsp; Esses recursos podem ser direcionados para investir em um neg\u00f3cio ou cobrir despesas como pagamento de fornecedores e contas dom\u00e9sticas. Acompanhe e [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":3631,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[662,661,663],"class_list":["post-3630","post","type-post","status-publish","format-standard","has-post-thumbnail","category-financas","tag-emprestimo","tag-emprestimo-caixa-tem","tag-financas-pessoais"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/en\/wp-json\/wp\/v2\/posts\/3630","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/en\/wp-json\/wp\/v2\/comments?post=3630"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/en\/wp-json\/wp\/v2\/posts\/3630\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/en\/wp-json\/wp\/v2\/media\/3631"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/en\/wp-json\/wp\/v2\/media?parent=3630"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/en\/wp-json\/wp\/v2\/categories?post=3630"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/en\/wp-json\/wp\/v2\/tags?post=3630"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}