Have you thought about getting up to R $ 100 thousand in credit limit without needing to prove income or have a clean name in SPC or Serasa? Know that Caixa Econômica Federal has a credit line with these and many other advantages.
This is the modality of pledge, in which, to contract, it is necessary for the person to deliver some good of value to the bank as a guarantee of payment of the debt. The state company has offered this type of credit since 1861, being one of the most popular in the financial market.
The interest rates charged vary according to the type of pledge made. The values vary between 2% for micro pledge up to 2.459% for regular pledge. The percentages are the lowest in the market, including less than more than half of the interest charged on traditional personal credit.
In the case of renewal of the attachment, Caixa charges the following charges:
- Evaluation and Renewal Fee: 0.5% on the loan amount every 30 days;
- Risk Rate: 0.6% of the amount granted;
- Insurance: 0.055% monthly on the valuation value of the asset.
The pledge renewal can only be done for jewelry and silverware, and can be done as many times as the client wishes. To do so, the customer simply has to renew the contract when it expires or before the deadline.
O Cash Pledge has a maximum loan amount, up to 85% of the value of the asset delivered. However, customers who have a good relationship with the bank and wish to renew the pledge can obtain a new loan of up to 130% of the value of the asset.
In addition, the minimum amount for carrying out the operation is R $ 50 with a maximum amount of R $ 100 thousand for each client. As soon as the valuable object is delivered to the bank, the money is immediately released, without the need for analysis by the SPC or Serasa.
The term for the payment of the loan is chosen by the client at the time of contracting. It can vary between 30, 60, 90 or 180 days. In addition, if the customer wishes, the discharge date can be renewed.
Items accepted at Cash Pledge
The institution accepts several objects to make the pledge loan. These include:
- Noble Metals;
- Cut Diamonds;
It is worth mentioning that all assets must undergo an evaluation by a Caixa employee before granting the credit. For a good offer, the goods must be original and of recognized market value. Thus, objects that present:
- Jewels filled with more than 50% non-noble metal;
- Gold less than 12 carats (Except when it has ornaments of high value or historical / artistic value);
- Silver-palladium pieces (except when they have an individual value equivalent to the maximum concession or with high value ornaments).
Redemption of the pledged asset
If the consumer does not make the loan payment within the established term, the good delivered goes to a Caixa auction. The bank offers up to 30 days after the contract expires so that the customer can make the payment and settle the debt, and can still redeem the pledged asset.
However, if the payment is not made even with the extended term, the object of value will be sold to third parties. In view of the auction, it is necessary for the consumer to think carefully before pledging any object, since he may lose it if he does not repay the loan.
See how to request the Pledge of the Cash
To obtain a loan by Caixa, the applicant must perform the following steps:
- Go to a Caixa branch that has the Pledge option;
- Take the asset or assets that will be pledged to grant the loan;
- Submit the necessary documentation (RG, CPF and proof of address);
- Wait for the evaluation carried out on the spot by a Caixa employee;
- Choose the term of the contract.
At the end of these steps, it is already possible to leave the bank with the amount granted by the pledged object. As soon as the loan is paid off, the customer will receive the goods that were delivered to the bank back. To learn more, visit the Caixa website.
Also read: Is a loan with a vehicle guarantee worth it?
*The article has been translated based on the content of Source link by https://editalconcursosbrasil.com.br/noticias/2020/11/caixa-libera-emprestimo-sem-consulta-ao-spc-e-serasa-ate-r-100-mil/
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