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Caixa Econômica Federal provides credit to individuals and MEIs through its Caixa Tem app, which it launched in 2020. The app’s main objective was to facilitate the payment of the government’s Emergency Aid to families affected by the COVID-19 pandemic.
Initially, the financial institution launched the app in response to the coronavirus health crisis. Later, the government began using the app to make payments from various social programs, such as Bolsa Família. The bank also uses the platform to benefit workers through PIS.
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Although many Brazilians use the app, many are unaware that Caixa Tem also offers several additional benefits. Individual Microentrepreneurs (MEIs) can obtain around R$ 3,000 through a line of credit.
Therefore, it is important to point out that Caixa also provides loans to individuals, including those who are currently in default. Through the Caixa Tem app, these people can apply for and withdraw the credit directly.
R$ 3,000 through Caixa Tem
To obtain credit from Caixa, the MEI must go in person to a bank branch. The interest rate initially associated with the transaction is 1.99% per month. In addition, the borrower can repay the credit in up to 24 installments.
Read also: Exceptional Benefit Will Reach 20,000 Families; See if You Are Eligible
Consequently, the individual microentrepreneur must meet certain criteria to obtain the Caixa loan. They must have been operating as an MEI for at least 12 months and prove the activity by issuing invoices.
In this case, the MEI must have a maximum annual revenue of R$ 81 thousand. The MEI cannot be a partner or owner of another company. Therefore, it is important to remember that the microentrepreneur may have only one employee, who receives a monthly minimum wage or the minimum salary for the category.
Credit for individuals
In summary, individuals can also apply for a loan from Caixa Econômica Federal at home, using only the Caixa Tem app. It is important to mention that the app is available for both Android and iOS mobile devices.
For individuals, Caixa Econômica offers loans with an interest rate initially associated with the transaction of 1.95% per month. However, citizens can repay the credit granted in 24 installments. Nevertheless, it is necessary to consider that the borrower cannot have debts exceeding R$ 3,000.
Another aspect to consider is that Caixa credit borrowers will automatically pay the installments through the Caixa Tem app. Therefore, it is crucial that citizens have sufficient funds in their bank account on the payment date of the related installments.
Read also: Check whether you were approved for Bolsa Família 2023. Learn how to check.
Payment of R$1,000 through Caixa Tem
The Bolsa Família social program underwent several changes with the inauguration of Luiz Inácio Lula da Silva (PT). Nowadays, beneficiaries receive approximately R$ 600 per month. The government's main objective is to provide R$ 142 for each family member.
In addition to these amounts, the government will grant an additional R$ 150 to families with children up to six years old. The government will also pay R$ 50 for children and adolescents aged 7 to 18 and for pregnant women. It is important to consider that the bonuses are cumulative.
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Finally, families with more than one member can receive up to R$ 1,000 per month from the federal government. They can receive this money through the Caixa Tem app. To be eligible for these benefits, certain criteria must be met, such as having an up-to-date registration in the Single Registry (CadÚnico).
