a Federal Savings Bank It provides for the issuance of a new micro-credit with the aim of serving small entrepreneurs across the country. This measure will cost R$10 million in bank coffers and will help R$10 million with a loan of R$1,000.
In addition to this initiative, the institution intends to become part of the US Nasdaq stock exchange and create a digital bank. After the financial technology is established, microcredit will be included among the methods that are already available.
In terms of interest rates, Caixa did not provide details, but said it would be one of the lowest in the segment.
The head of the bank, Pedro Guimarães, made it clear that microcredit is not a benefit. “Micro loans are not help. Aid is a transfer. Microcredit is credit to those who can repay Caixa,” he said.
credit to negative
Caixa issued a credit without consulting the SPC and Serasa. The method is available to people with negative CPF, who can borrow up to R$100,000. The Bank accepts the undertaking of the goods and FGTS As a guarantee of payment.
pledge
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The collateral pledged will not be greater than the amount borrowed, as this specific loan calculates 85% of the conventional value of the mortgaged asset. This method is one of the most sought after in this sector.
– What can you pledge?
The pledge can be: gold jewelry with a weight of at least 12 carats, noble metals, watches, pearls and other goods. If the debtor does not comply with the agreement by paying the installments, his assets are sold by public auction.
FGTS Warranty
The organization requires access to the Employees Termination Compensation Fund (FGTS). With this, the amount in arrears will be drawn from the fund corresponding to the debt. Remember that the worker’s company must be associated with the service.
Thus, the refund is 10% of the available balance in the fund’s account and 40% of the fine in case of unfair dismissal.
