Thousands of workers are denied their applications when they apply for a Caixa Tem . Loan, but they still don’t know that there are some very specific reasons why this happens. You need to know why this is happening, especially now that Caixa Econômica Federal has launched a streamlining program for entrepreneurs.
For those who don’t know, it’s a line of credit that provides up to R$1,000.00 for individuals and up to R$3,000.00 for individual micro-entrepreneurs (MEIs).
a Caixa Team Loan It aims to provide resources for those looking to expand or improve their businesses, and create ways to stimulate collective entrepreneurship, with Caixa Tem . Loan Focusing on the formalization of small businesses.
To understand the situations that put the release of credit at risk, keep reading the article at Notícias Concursos.
Caixa Tem releases R$3,000 via the app, but mistakes can block credit; See how to avoid
Many Brazilians reported that their requests for Caixa Team Loan He was refused, thwarting all plans made so far. Despite the great relief offered at the time of application, Caixa explained that, yes, there are some reasons why a loan status can be denied. see what they are
1- Incorrect data entry
To apply for a loan from Digital SIM cardIn the event, the Bank evaluates all information provided during the completion of the Caixa Tem Registry. In this case, when you enter some wrong or wrong information, there is a high probability that your application will be rejected.
If that happens, individuals can renew their registration and correct errors when they have time, but in this case the deadline for new approval opportunities is 10 days.
2. Having debts of more than 3,000 Brazilian riyals
Another possibility to get a file loan rejection In Caixa Tem is if the citizen has debt until December 31, 2022 in an amount greater than R $ 3,000.00, excluding mortgage. It is also worth noting that this is a rule of the MTP System No. 660.
3. The applicant is not included in the digital SIM proposals
As already mentioned, microfinance square his It aims to formalize entrepreneurship and small businesses. Therefore, only those with this purpose can apply. If your situation deviates from this recommendation, you may not receive the released amount.
Speaking of those who do not qualify, it is worth noting that Caixa Tem resources cannot be used to pay personal bills, so anyone who wants to take out a loan for this purpose should opt for the traditional Caixa Tem credit.
Finally, in terms of utility, the Caixa Tem . Loan At a rate of 3.99% per month. This is slightly higher than what a digital SIM card charges. Thus, the numbers range from 1.95% to 1.99% per month.
Caixa temporary loan is granted up to 3,000 BRL
Microcredit has two target audiences, individuals who want to take over the business and individual micro-entrepreneurs (MEIs). The terms of each are as follows:
- For individuals: credit up to R$1,000, interest rate of 1.95% per month, payment up to 24 months.
- Legal Entities (MEI): Credit up to R$3,000, interest rates from 1.99% per month and up to 24 months for payment.
Notably, loans are also available to passive people, as long as their debts do not exceed R$3,000. In the case of MEIs, it is necessary to have at least 12 months of activity with the CNPJ to request the service.
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