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Understand how this Caixa credit works for this audience, considering the interest rates and the financing application process.
Caixa Econômica Federal, together with the federal government, recently introduced a credit option specially designed to finance accessibility devices. This initiative, named Crédito PcD, aims to improve the quality of life of people with disabilities.
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In this context, Crédito PcD offers financing for a variety of equipment and services, ranging from customizing vehicles and properties to purchasing wheelchairs, prostheses, orthoses, special glasses, and assistive technology equipment. It also includes the maintenance of these devices, ensuring ongoing support for the needs of these individuals. Check out more information!
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What interest rates does Caixa offer?
One highlight of this loan is its competitive interest rate. The applicant's income determines these rates. For example, for those with a monthly income of up to five minimum wages, the interest rate is 6% per year.
On the other hand, individuals with a monthly income between five and ten minimum wages pay an annual rate of 7.5%. 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 apply?
To obtain the PcD Credit, you must be an account holder at Caixa Econômica Federal. In this context, interested parties can apply through Caixa's WhatsApp or directly at one of its branches. The required documents are:
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- Personal photo ID;
- CPF;
- Invoice detailing the financed item;
- Proof of income;
- Current proof of residence;
- A healthcare professional assesses and specifies the items to be financed, such as a medical report, prescription, or medical order, if necessary.
- If the application involves adjustments to a property to make it accessible, additional documentation will be required, including approval of the architectural project.
Once the financing is approved, Caixa transfers the amount to the applicant's checking account, and the installments are automatically debited monthly.
