Caixa Personal Loan – Hassle-free personal loan
Need money without hassle or red tape? A Caixa Pessoal loan could be the solution!
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THE personal credit is characterized by its simplicity. With it, the client can request money to pay debts, organize your financial life, invest in studies or travel.
One of its advantages is that no need to prove what will you do with the money, in addition, it eliminates the need to present a guarantee.
The Box, in turn, offers different personal loan models for your customers.
Learn about each of them below and find out how to request yours!
How does the Caixa personal loan work?
The Caixa personal loan can be used however you wish. Among the available alternatives, you can request the one that best fits your needs.
To better understand how it works, learn about each model below!
1. Pre-Fixed Monthly Personal Credit
With this option, you can pay off your loan in up to 48 months and the interest is pre-fixed.
This means that they will be defined in advance, that is, you will hire the Personal Caixa loan knowing exactly how much interest you will pay and with fixed installments.
2. Post-Fixed Monthly Personal Credit
This alternative has post-fixed interest, which means that the loan interest rate will be linked to the inflation index or a short-term interest rate.
As rates may vary, the interest charged on the loan also varies, and may be higher or lower over the months.
The payment term for this credit varies between 4 and 36 months.
3. Pre-Fixed Monthly Salary Loan
This credit is exclusive to customers who receive their salary at Caixa bank or some other benefit.
The interest is pre-fixed and the payment term can be up to 48 months.
4. Post-Fixed Monthly Cash Salary Credit
It is also intended for customers who receive their salary or some benefit from Caixa, however, the interest model is post-fixed.
The minimum payment term is 4 months, while the maximum is 36 months.
Advantages of the Caixa Pessoal loan
Firstly, we can highlight the product diversification, making it easier to find an alternative that fits our needs.
Furthermore, according to the Box, depending on the applicant's relationship with the bank, the payment period can be up to 60 months.
What is the best alternative?
You should choose the most economical alternative, which offers the most advantages. However, when it comes to the interest rate, it is recommended to choose the alternative with the pre-fixed interest rate.
This is because the installments are fixed, you will know how much you will pay from the beginning to the end of the debt, and this will not change over time, unless you pay installments in advance.
Furthermore, in models with post-fixed interest, interest + Reference Rate are charged monthly.
Therefore, it's important to evaluate before making a decision. Especially since receiving your salary at Caixa can give you access to a lower interest rate and better payment terms.
How to hire?
A Caixa personal loan can only be requested in person at a Caixa branch. Therefore, go to the nearest branch with your essential documents.
A credit and documentation analysis will be carried out for approval and definition of the limit.
If the registration is approved, the contract can be signed at any Caixa branch.
The final step is releasing the funds. Once they're in your account, you can use them as you wish.
Conclusion
Did you enjoy learning about the Caixa personal loan? Choose the best option for your finances and apply!
