Taking out a loan at Caixa Tem is a good way to obtain credit for Caixa bank customers. However, it is possible that the request is denied for different reasons. Many people do not meet the necessary requirements or do not provide the requested information correctly and this can hinder the process of getting the loan at Caixa Tem.
Therefore, it is important to pay attention to some information specified by Caixa bank for the granting of this type of credit and to send all the requested data. Read the text until the end and understand what reasons can make the bank deny the loan at Caixa Tem and who can make this credit request.
What this article covers:
What’s the box got?
Caixa Tem is a mobile application that exists to android system and iOS. It represents a digital solution developed by Caixa Econômica so that its customers can make financial transactions, request and change services and gain access to some products, all from the palm of their hand.
The application is very practical and brings together functions of various types, which makes life a lot easier for Caixa customers. You can create an account, for example, make investments, request credits, carry out cash transactions, among other things.
What are the reasons for the Caixa loan being denied?
There are different reasons why the loan at Caixa Tem is denied, but, in general, three specific reasons influence a lot for this to happen. The first concerns the fact that the applicant does not have the appropriate profile to obtain this credit. This happens mainly because this loan is aimed at self-employed or informal entrepreneurs and cannot be used for personal expenses.
The second reason is that the customer already has debts of more than R$3,000 on the reference date, which is January 31, 2022. This is part of the rules for granting credit. If the applicant has debts above the amount of three thousand reais on January 31 of this year, he is not eligible to get the loan.
Finally, not being approved in the automatic analysis of the application is also a common cause of denial of the loan at Caixa Tem. This occurs mainly on occasions where the customer provides inaccurate or wrong information at the time of the request. As the App performs an automated exam, credit approval is rejected on the spot.
How to be approved for the Caixa Tem loan?
To be approved for a loan at Caixa Tem, you must meet the requirements for access to this product. As mentioned above, this line of credit is aimed at informal or self-employed entrepreneurs, so that the money cannot be used to pay bills and purchase personal products, for example.
In addition, it is important to pay close attention when providing the requested data and make sure that they are correct. Delinquent people, too, should be aware, as the bank may deny the loan for this reason. Checking these conditions and meeting them is enough to get the credit.
Who can take out the Caixa Tem loan?
Self-employed or informal entrepreneurs who do not have outstanding debts above three thousand reais on January 31, 2022 can apply for credit. It is also important to point out that you must be a Caixa customer to file the order.
Thus, it is possible to get the loan at Caixa Tem without any problems. The errors mentioned above are the most common, but others may occur, especially those referring to inaccuracy in providing data. Therefore, it is important to be very careful when filling out the credit application.