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Understand how this Caixa credit works for this audience, considering interest rates and the financing contracting process.
Caixa Econômica Federal, together with the federal government, recently introduced a credit modality specifically aimed at financing accessibility devices. This action, called Crédito PcD, aims to improve the quality of life of people with disabilities.
In this context, PcD Credit offers financing for a variety of equipment and services, ranging from the customization of vehicles and properties to the purchase of wheelchairs, prosthetics, orthoses, special glasses and assistive technology equipment. It also includes the maintenance of these devices, ensuring continued support for the needs of these individuals. Check out more information!
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What are the interest rates offered by Caixa?
A highlight of this loan is its competitive interest rate. The applicant's income adjusts these rates. For example, for those who have a monthly income of up to five minimum wages, the interest rate is 6% per year.
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On the other hand, individuals with a monthly income between five and ten minimum wages pay a rate of 7.5% per year. In addition, Caixa account holders with monthly earnings above ten minimum wages can opt for loans with rates starting at 1.69% per month. This structure makes the loan attractive to various segments of people with disabilities.
How to hire?
To obtain the PcD Credit, you must be a Caixa Econômica Federal account holder. In this context, interested parties can make the request through Caixa's WhatsApp or directly at one of its branches. The required documents are:
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- Personal document with photo;
- CPF;
- Invoice detailing the purpose of the financing;
- Proof of income;
- Proof of current residence;
- A healthcare specialist assesses and specifies the items to be financed, such as a medical report, prescription or prescription if necessary.
- If the request involves adjustments to a property to make it accessible, it will require additional documentation, including architectural design approval.
Once the financing is approved, Caixa transfers the amount to the applicant's current account, and the installments are automatically debited monthly.
