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Currently, there are more than 61 million indebted Brazilians, according to recent data from the National Confederation of Shopkeepers (CNDL) and Credit Protection Service (SPC Brazil). The situation is worrying and tends to worsen more and more with the unfolding of the economic crisis caused by Covid-19.

It is well known that one of the biggest difficulties faced by a person with a negative CPF is precisely in getting a line of credit that promotes their financial recovery, especially when it comes to loans. Thinking about it, the Caixa Econômica Federal (CEF) offers a free credit grant to the protection agencies.

So that negative citizens, that is, defaulters can enjoy this financial service again, the state company offers two types of loan for negative people, who accept who has a dirty name and still grant up to RS 100 thousand credit.

Cash Loan of up to R $ 100 thousand

Have you thought about getting a loan of up to R $ 100 thousand in a simple way and without bureaucracy? Know that this is possible by the Pledge of the Box. With lower interest rates, after the agreement is closed, the customer leaves with the money on the spot.

The guarantee for payment of this type of loan is the attachment of a property of equivalent value. Because of this, this is one of the more accessible methods and easy approval. THE amount released is up to R $ 100 thousand. In this modality, the value of the loan to be made available is calculated based on 85% (or more) of the market value of the pledged asset.

Some objects accepted as a pledge are jewelry in gold of at least 12 carats, noble metals, watches, pearls and other goods. If the installments are not paid, it ends up generating more default for the client and the pledge is auctioned. To hire, all you need to do is go to a Caixa agency that offers the Pledge service.

Credit without consulting SPC and Serasa

Another possibility is through payroll loans. Without the need for a guarantor, in addition to having special advantages and excellent conditions, it is intended for employees of companies and affiliated agencies, as well as the public of retirees and pensioners of the Social Security Institute (INSS).

It offers as advantages: convenience in the payment of the installment, since the installments are discounted directly from the benefit or salary; agility in approval and less bureaucratic processes; and security and control of the maximum amount calculated as received on the sheet by the applicant. It is worth mentioning that the value of the installment cannot exceed the consignable margin of 30%.

To request, just call the call center 0800 726 8068 or go to a Caixa branch.

Also read: Crefisa negative loan: See how it works and hire without leaving home

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