Caixa Loan of R$1,00,000 without consulting SPC/Serasa
Brazilians whose CPF is listed on credit restriction agencies face several obstacles in obtaining credit from financial institutions.
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However, for those who are in default today, the following has emerged: Caixa loan, which is without consulting SPC and SERASA.
According to information provided by Caixa Econômica Federal, this type of credit is aimed at those who have a really bad credit history.
Therefore, in this specific case, the financial institution releases an amount of up to R$100,000. However, to guarantee payment, the bank accepts the pledge of assets and the Severance Indemnity Fund (FGTS).
In light of this, learn more about Caixa loans and guarantee models.
Cash Loan – Pledge
In the pledge, Caixa Econômica Federal seizes an asset of equivalent value.
In fact, today this is one of the most accessible types of loans and is easily approved.
The value of the credit, in this condition, is established based on 85% of the market value of the seized asset.
So, the bank accepts as pledge:
- Jewelry in gold of at least 12 carats;
- Noble metals;
- Watches;
- Pearls.
Therefore, if the installments are not paid by the debtor, the pledge is auctioned so that the bank does not suffer a loss.
Caixa Loan – FGTS Guarantee
The Severance Indemnity Fund (FGTS) can also be used as collateral for loan repayment.
In this case, if there is default, the installments are withdrawn directly from the FGTS to which the debt corresponds.
The amount granted in this modality is 10% of the balance available in the fund account and 40% of the fine in the event of dismissal without just cause.
How to apply?
To apply for a loan, regardless of the chosen modality, you must go to Caixa Econômica Federal with your personal documents in hand.
So, just inform us of your credit requirements and we will provide you with information regarding each of the available options.
