Using this loan made on the Caixa Tem app, both individuals and individual micro-entrepreneurs (MEIs) can borrow amounts between R$ 300 and R$ 4,500. See how you can apply for this credit.

First of all, it is important to highlight that this loan of R$ 4,500 cannot be requested by the two groups included in the Digital SIM rules and which have already been duly mentioned in this article. Another important thing to note is that only those who are MEI can request this amount through Caixa Tem. Individuals can borrow a maximum amount of R$ 1,500.

By taking out a loan of R$ 4,500, the individual micro-entrepreneur will have access to a higher interest rate, which starts at 1,99%. On the other hand, the same rate for individuals is interest of up to 1.95% per month. Furthermore, both groups will be able to split the repayment of the credit in a maximum of 24 installments.

To request the amount, the microentrepreneur must have been active in their company for 12 or more months. Furthermore, he still needs to have an annual turnover of less than R$ 81 thousand and his debts as of January 31 cannot exceed the total of R$ 3 thousand.

In addition, three other necessary requirements must be met, which are the following: have a legal entity account at Caixa Econômica Federal; pass a credit analysis; and also comply with Caixa Tem's loan rules.

See also: Caixa Tem announces today WITHDRAWAL OF R$ 4.5 THOUSAND; Can anyone sign up?

Therefore, unlike what happens with individuals who can normally request money through an internet application, individual microentrepreneurs interested in a loan must contract directly with a Caixa branch.

To find the service point closest to your home, microentrepreneurs can search on the Banco do Estado website using the link https://www.caixa.gov.br/atendimento/Paginas/contre-a-caixa. aspx where all addresses are available.

Documents such as ID, CPF, MEI certificate and proof of residence must be presented on site. In addition, the microentrepreneur must also bring the Simples Nacional Collection Document (DAS) from the last fiscal year ended and proof of delivery.

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