Caixa Ecomica Federal may soon release a file line of credit for consumers Negatives. About 20 million people restricted by credit protection agencies will be able to contract loans Up to 3 thousand Rls, without bureaucracy.
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There is still not much information about the novelty, which is still in the preparation stage. What is known so far is that the funds will be made available through Caixa Tem, an app that already offers some credit options.
While the loan for passive people does not go out, Caixa has other options available to Brazilians, such as pledge and his credit fund.
pledge
In this method, the contracting party provides an asset of value as security for the repayment of the debt. The bank accepts jewelry, pens, watches, silverware, and other items. The evaluation is performed on the spot by a Caixa employee.
After paying off the debt, the customer gets his assets back. If you fail to pay, the bank has the right pawn object. The contract can be renewed as many times as needed.
his credit fund
The application created to make emergency aid payments contains two lines of micro credit With an issue of R$300 to R$1,000. Interest rates are 3.99% per month, with a payment term of up to 24 months.
The first is for personal use, such as paying bills and other purposes. The second is geared towards your business, i.e. purchasing raw materials, paying suppliers, etc.
Unfortunately, the product is not available for the cons. To apply for the loan, simply open a Caixa Tem account and submit an offer.
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