Caixa made available today the contracting of housing financing through the “Caixa Housing” application, on Android and iOS devices. To request the service, the customer needs to perform a credit simulation and choose the best condition presented. In this step, he can adjust the input values, the term, the interest rate index, the amortization system and the maximum payment required.
Subsequently, the user performs his registration and that of the other participants in the proposal, informing the municipality and the value of the property. The sending of documents is also carried out virtually, as well as the choice of the service channel, which may be the digital agency or a correspondent Caixa Aqui and the physical agency to sign the contract.
After submission, they can be checked at the proposal stages, if there is any pending issue and the result of the credit assessment. It is also possible to access the ticket for payment of the initial assessment fee for the intended property and check the result of the report.
The release of funds from the account linked to the FGTS (Guarantee Fund for Length of Service) may also be accompanied in case of use as an entry in the financing.
Other features of the application are: issuance of payment slip, change of contract data, amortization of financing, inclusion of automatic debit, early settlement, use of FGTS, annual statement of debt settlement, statement of amounts paid and statement for income tax.