Caixa Tem: The new credit can reach R$4.5K

The interim measure (MP 1107/22) dealing with the expansion of microcredit provided by Caixa Tem was approved last week in the House of Representatives. A loan of up to 1,500 reais for individuals and up to 4,500 reais for individual micro-entrepreneurs (MEIs) is expected.

Interim Measure (MP 1107/22) which deals with the expansion of the microcredit it provides square his It was approved last week in the House of Representatives. A loan of up to 1,500 reais for individuals and up to 4,500 reais for individual micro-entrepreneurs (MEIs) is expected. Now, the text will go to the Federal Senate for analysis.

Auxílio Brasil: The final beneficiaries of the 8 shekels receive today

cash loan to him

The proposal intends to increase the value of the existing appropriations in square his. Currently, the loan is granted in the amount of R$1,000 for individuals and R$3,000 for MEIs.

Check the specific conditions for both target audiences:

for individuals

credit limit up to R$1,000;
interest rate of 1.95% per month;
Repayment term: up to 24 months;
The order is submitted digitally directly through the Caixa Tem app.

for MEI

credit limit of up to 3 thousand Brazilian riyals;
Interest rate: from 1.99% per month;
Repayment term: up to 24 months;
The order, at the moment, is only in Caixa branches. The bank informed that very soon it could be contracted by Caixa Tem.

How to apply for credit?

The application process varies between groups. See more below.

for individuals

It will be necessary to download or update the registration data in the Caixa Tem app and perform the following steps:

Select “Caixa TEM Credit Contract”;
Answer the test
choose the credit amount;
Choose the best date for payment of installments;
choose the number of installments;
Type the password square his and ready;
It will be necessary to wait a few days for the evaluation of the fund.

For Legal Entities (MEIs)

In practice, the applicant will have to personally go to the Caixa branch and provide proof of residence and personal documents of the company, as follows:

Certificate of Individual Small Entrepreneur Status (CCMEI);
DASN SIMEI for the last closed fiscal year;
Delivery receipt (proof of invoices, structured with the annual statement until May 31 of each year).

Credit with FGTS

However, it is important to note that the procedure also deals with the release of 3 billion R$ from the Severance Indemnity Fund (FGTS) for loans.

Also added to the proposal was an amendment prepared by Representative Hildo Rocha to extend the term of payments for real estate using the FGTS from 30 years to 35 years.