At a time of economic crisis, many people had to resort to bank loans to be able to close their accounts at the end of the month. Despite being widely used, preferring this financial modality requires planning and a good dose of responsibility.
However, the BOX Hasthe digital wallet of Federal Savings Bank, offers a type of microcredit of up to R$ 3 thousand with a defined maximum term for contracting. In this article we will show you who this opportunity is for and if it may be the best option for you.
CAIXA microcredit There is a maximum period for requesting
The microcredit of BOX Hasalso called Digital SIMwas created to help individuals who want to undertake and Individual Microentrepreneurs (MEIs). With an interest rate of 1.95% per month for individuals and 1.99% for companies, loans of up to R$ 3 thousand can be offered. Even those who have their name registered with the credit protection agencies can hire the service, which has a maximum period of up to 24 months (2 years) to be paid off.
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Criteria for hiring
Namely, you need to fulfill some requirements before applying for your credit. Digital SIM. For individuals, the limit is BRL 1,000 and they must have less than BRL 3,000 in bank debt completed on January 31, 2022, with the exception of housing financing and unused limits.
After being approved in the bank analysis and being framed in the rules of the Digital SIMmay ask for the amount that should be fully invested in entrepreneurship.
Micro-entrepreneurs, on the other hand, need to have 12 months or more of activity as legal entities, an annual turnover of less than 81 thousand reais, less than R$ 3 thousand in bank debts completed on January 31, 2022, with the exception of housing financing and limits not used and also undergo a credit analysis and framework of the SIM Digital rules. After this process, they can ask for an amount of up to R$ thousand.
How to hire?
As the microcredit BOX Has is allowed for both types of people, obeys different hiring criteria. whoever MEImust go in person to an agency of the CASHIER and bring all supporting documentation, as well as personal documents and CNPJ.
For individuals, just access the application itself BOX Has as long as they update the system in their digital store. After downloading the latest version, just enter the app and the system will request a photo of your document to carry out the procedure of Digital SIM.
Download the CAIXA Tem app
See too: BORROWED MONEY: Withdraw up to BRL 3,000 through Caixa Tem