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empréstimo Caixa Tem

Did you get a loan from Caixa Team? Find out the reasons for rejection

Implementation Box It was created in 2020 to pay beneficiaries of emergency assistance. However, over time, the app has undergone some updates to release more functions to users, including lend.

Cash has versions loans From 300 R$ to 1000 R$ in 24 installments, at an interest rate of 3.99% per month. “We will be able to increase this credit and reduce interest. What Caixa was doing never happened, said Pedro Guimarães, president of Caixa Econômica Federal at the time.

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Users who want to apply for a loan must update their registration in the “Update Registration” icon and submit a scanned document and a face photo for analysis, which will be carried out within ten days.

However, even after their date arrived, the job was not released or approved for many clients. This is because alla The institution that offers credit methods performs analyzes to understand the applicants file and determine the terms of the loan application. Thus, applicants for personal credit and microcredit are subject to analysis before the amount is released.

In general, credit and score analyzes are conducted so that certain characteristics are identified, such as:

  • The amount required for the loan
  • deadline for debt repayment;
  • The interest rate and other costs charged to credit.

This analysis seeks to understand in detail the Caixa Tem loan applicant profile, and for this reason, data is requested, such as:

  • Enter;
  • Omar;
  • numbers of freelancers;
  • Profession;
  • degree of study.

Another factor taken into account is the score score, which is evaluated as follows:

  • Less than 300 points, the customer has a high risk of default;
  • From 300 to 700, the risk of default is average.

The fund is available on file Location Information about the possibility of increasing the previously displayed limit.

The bank reports that “the amounts released for the loan are based on information from the customer’s current registration and financial history at the time of the credit assessment.” He warns that the user must “evaluate whether the value is useful to him and whether the premiums fit his budget, using the value released at the moment”.

Therefore, if you are not satisfied with the limit issued, it is worth checking your score and pending financial items on credit protection sites, such as SPC and Serasa.

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Photo: CRIS GENTLEMAN / shutterstock.com