The Federal Savings Bank He has loans of up to 100,000 Brazilian reals on special terms for passive citizens. The offer, issued by the bank, is based on Pledge Caixa.
Initially, it is important to note that in order to receive the amount by means of the loan, the user must leave an asset as collateral for the repayment of the debt. According to the issuance rules, the minimum loan amount is R$ 50, but the maximum amount can be up to R$ 100,000, depending on the purpose to be pledged.
The program does not generate any rating in credit institutions, such as SPC or Serasa. In addition, it is possible for the customer to pledge up to the FGTS balance, keeping the frozen amounts during the contract period.
Therefore, the parties involved should be aware of the credit approval and its value, which will depend on the assessment of the mortgaged asset. Thus, even if a citizen has a bad name, it is possible to get a loan.
Among the items that can be placed as collateral: watches, silverware, first-class pens, jewelry and even FGTS. The mortgaged asset must be handed over to the organization at the time of contracting, and it is returned only at the end of debt repayment.
How to apply for credit for negatives?
In advance, it is necessary to have a commodity that can be put as collateral. If you have one, check the Caixa Econômica branch that offers the credit method, being your nearest branch. Once this is done, go to the bank and present the ID document, CPF and proof of address.
At that time, it will be necessary to inform you of your desire to contract with the Caixa Pledge Credit Program. Remember that the item that will be placed as collateral must be taken for evaluation.
In this way, if the asset is located in the parameters according to the category, the enterprise will conclude the loan contract. It should be noted that the number of installments and the method of payment will be determined at that time with the customer.
However, if the escrow is FGTS, the Caixa branch manager must perform a calculation to determine the amounts and terms of payment. With all the steps completed, the bank will deposit the funds.
The Separation Compensation Fund (FGTS), where Caixa acts as the payment manager, can also be used to guarantee loan repayment. In this case, the problem of defaulting on installments is solved by direct withdrawal from the FGTS of the corresponding amount of debt.
In this form, the amount awarded is 10% of the available balance in the fund account and 40% of the penalty in case of unfair dismissal.
To order, the company must have joined the service. In this case, the citizen should contact the Personnel Department (DP) or the Human Resources (HR) sector for more information.
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