Caixa Econômica Federal and the federal government announced this Thursday (17) new measures for access to credit, with the possibility of access, including for people with some kind of restriction in their name.
The new program has an interest rate of 1.95% per month. This is the case for individual customers, who will be able to hire up to R$ 1,000, with this fee and payment in up to 24 months.
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Named SIM Digital (Digital Microcredit Simplification Program for Entrepreneurs), the credit line should benefit around 4.5 million people in the first 12 months of operation. See below the main questions about the program.
Who can apply for credit
Individuals and Individual Microentrepreneurs (MEIs) who carry out productive activities with annual gross income or revenue of up to R$360 thousand.
You can apply for microcredit if your name is negative
The loan is also available to people with a negative name in credit analysis institutions.
What is the loan amount
Individuals: up to BRL 1,000
MEIs: up to BRL 3,000
Deadline for payment
Up to 24 month installments
Interest rate
From 1.99% per month for MEIs and 1.95% for individuals
how to hire
Microcredit can be contracted through the Caixa Tem application, without having to go to the bank. To apply for the credit, those interested in obtaining the resources must have the latest version of the application on their cell phones, which can be downloaded from Google Play or Apple Store.
Afterwards, it is necessary to update the registration in Caixa Tem, in which the user scans the identity document, sends a “selfie” photo and informs the monthly income. Visit the Caixa Tem website for more details on how to make this update.
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