{"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\/sl\/emprestimo-caixa-tem-veja-como-solicitar-atraves-do-app\/","title":{"rendered":"Posojilo Caixa Tem: Oglejte si, kako se prijavite prek aplikacije"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Aplikacija Caixa Tem je od marca 2022 za\u010dela ponujati posojila Caixa Tem prek Sim Digital \u2013 pobude, katere cilj je olaj\u0161ati digitalno mikrokreditiranje podjetnikov.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ta sredstva se lahko uporabijo za nalo\u017ebe v podjetje ali za kritje stro\u0161kov, kot so pla\u010devanje dobaviteljev in gospodinjskih ra\u010dunov.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Spremljajte in odkrijte, kako!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Preberite tudi:<\/h2><nav><ul><li class=\"\"><a href=\"https:\/\/noticias-gerais.online\/sl\/desenrola-brasil-desconto-em-dividas-do-cartao-de-credito\/\">Desenrola Brasil: Popust za dolgove na kreditnih karticah do 96%\u00a0<\/a><ul><\/ul><\/li><li class=\"\"><a href=\"https:\/\/noticias-gerais.online\/sl\/pix-parcelado-o-que-e-e-como-funciona\/\">Pix Parcelado: kaj je to in kako deluje?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"como-solicitar-emprestimo-caixa-tem\"><strong>Kako zaprositi za posojilo Caixa Tem<\/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>Za nove uporabnike<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Namestite aplikacijo Caixa Tem (na voljo za Android in iOS);<\/li>\n\n\n\n<li>Registrirajte se v aplikaciji;<\/li>\n\n\n\n<li>Izberite \u201cRegistriraj se in odpri svoj ra\u010dun\u201d, da za\u010dnete var\u010devati v aplikaciji;<\/li>\n\n\n\n<li>V glavnem vmesniku izberite \u201cCaixa Tem Credit\u201d;<\/li>\n\n\n\n<li>Navedite namen posojila \u2013 ali je za poslovni ali drug namen;<\/li>\n\n\n\n<li>Za poslovno mo\u017enost po\u0161ljite fotografijo osebnega dokumenta skupaj s selfijem za preverjanje;<\/li>\n\n\n\n<li>Po odobritvi bo znesek nakazan na var\u010devalni ra\u010dun Caixa Tem, obroki pa bodo samodejno bremenjeni z njega.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"para-usuarios-ja-cadastrados\"><strong>Za \u017ee registrirane uporabnike<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Odprite aplikacijo in posodobite svoje podatke;<\/li>\n\n\n\n<li>Prosimo, navedite zahtevane podatke;<\/li>\n\n\n\n<li>Posodobite svojo dokumentacijo s fotografijo dokumenta in selfijem;<\/li>\n\n\n\n<li>Ra\u010dun Digital Social Savings bo po tej posodobitvi pretvorjen v ra\u010dun Caixa Tem Savings;<\/li>\n\n\n\n<li>Prosimo, po\u010dakajte na odobritev kredita (to lahko traja do 10 dni).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u010ce je odobreno, odprite \u201cPosojilo Caixa Tem\u201d, da dokon\u010date zahtevo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ko bo posojilo odobreno, bodo sredstva nakazana na va\u0161 var\u010devalni ra\u010dun Caixa Tem, obroki pa bodo bremenjeni neposredno s tega ra\u010duna.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"para-microempreendedores-individuais-mei\"><strong>Za individualne mikropodjetnike (MEI)<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Posamezniki s statusom MEI (mikro individualni podjetnik) morajo slediti druga\u010dnemu postopku. Osebno se morajo zglasiti v poslovalnici Caixa in zaprositi za posojilo, ki se giblje od 1500 do 3000 R$.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za upravi\u010denost je nujno imeti aktivno registracijo MEI vsaj eno leto. Poleg tega je predpogoj imeti poslovni ra\u010dun pri Caixa. Zahtevana dokumentacija vklju\u010duje CCMEI, DASN SIMEI iz zadnjega poslovnega leta in osebne dokumente.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ko je posojilo odobreno, se znesek naka\u017ee na poslovni ra\u010dun, obroki pa se od\u0161tejejo od njega.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"restricoes\"><strong>Omejitve<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u010ceprav je program odprt za podjetnike in samostojne podjetnike, obstajajo nekatere omejitve.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vsakdo, ki ima na dan 31. januarja 2022 ve\u010d kot 3 tiso\u010d R$, ni upravi\u010den do pomo\u010di, kot dolo\u010da Odlok MTP \u0161t. 660 z dne 28. marca 2022.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Omeniti velja, da stanovanjska posojila niso vklju\u010dena v ta izra\u010dun.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"valores-e-taxas\"><strong>Vrednosti in pristojbine<\/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\">Zahtevani znesek se lahko giblje od 300 R$ do 1.000 R$ za samozaposlene podjetnike, z obrestnimi merami do 3.991 TP3T na mesec in dobo odpla\u010devanja od 12 do 24 mesecev.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za MEI (individualne mikropodjetnike) je najvi\u0161ji znesek 3 tiso\u010d R$, z najvi\u0161jo mese\u010dno naro\u010dnino 3.601 TP3T in enakim obdobjem odpla\u010devanja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Caixa ponuja primerjalno eno najbolj privla\u010dnih obrestnih mer na finan\u010dnem trgu, saj lahko v drugih bankah obrestne mere prese\u017eejo 4,11 TP3T in dose\u017eejo vse do 71 TP3T.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pri\u010dakuje se, da bo s temi smernicami postopek prijave za posojilo Caixa Tem poenostavljen za podjetnike in samozaposlene osebe, ki i\u0161\u010dejo finan\u010dno podporo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusao\"><strong>Zaklju\u010dek<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Skratka, vloga <a href=\"https:\/\/www.caixa.gov.br\/credito-caixa-tem\/Paginas\/default.aspx\" target=\"_blank\" rel=\"noopener\">Caixa Tem<\/a> Izkazuje se kot u\u010dinkovito in inovativno orodje, ki spodbuja la\u017eji dostop do mikrokreditov za podjetnike in samozaposlene.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z poenostavljenim postopkom prijave in konkuren\u010dnimi cenami se pozicionira kot privla\u010dna mo\u017enost za tiste, ki i\u0161\u010dejo sredstva za nalo\u017ebe v svoje podjetje ali kritje bistvenih stro\u0161kov.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mikropodjetniki (MEI) imajo tudi poseben storitveni kanal, kar ka\u017ee na skrb banke za vse kategorije podjetnikov.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vendar je bistveno, da se kandidati zavedajo zahtev in omejitev, da se zagotovi pozitivna in uspe\u0161na izku\u0161nja.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V tem kontekstu Caixa Tem potrjuje zavezanost Caixa Econ\u00f4mica Federal k spodbujanju vklju\u010dujo\u010dih finan\u010dnih re\u0161itev, prilagojenih nastajajo\u010dim potrebam brazilskega trga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zdaj veste, kako zaprositi za posojilo Caixa Tem, uporabite te informacije pametno!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Oglejte si tudi, kako deluje digitalna antena: <a href=\"https:\/\/noticias-gerais.online\/sl\/kit-antena-digital-veja-como-conseguir-gratuitamente\/\">tukaj<\/a>Imate kakr\u0161na koli vpra\u0161anja? Pustite jih v komentarjih!<\/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\/sl\/wp-json\/wp\/v2\/posts\/3630","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sl\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sl\/wp-json\/wp\/v2\/comments?post=3630"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sl\/wp-json\/wp\/v2\/posts\/3630\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sl\/wp-json\/wp\/v2\/media\/3631"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sl\/wp-json\/wp\/v2\/media?parent=3630"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sl\/wp-json\/wp\/v2\/categories?post=3630"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sl\/wp-json\/wp\/v2\/tags?post=3630"}],"curies":[{"name":"delovni list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}