If you are looking for a personal loan and still don't know which bank to choose, know that there are public bank options that may be interesting for you, however, it is not that simple, read our information below.
And it is possible that we chose today to talk about Caixa's personal loan, what the main rules are and whether those who have a savings account can make this type of financial transaction.
However, it is important to remember that here on our portal you will find absolutely everything you need to know about the financial market, planning, credit cards and much more.
Regarding loans with savings accounts, we can say that unfortunately it is not possible to use a savings account to take out a loan from Caixa, for example, to have a checkbook. Furthermore, in this type of bank account there is no overdraft limit. Therefore, this means that it is only possible to use the maximum balance in the account.
However, it is important to say that Personal Credit or personal loans are recommended for those seeking money without needing to prove their purpose. …
One of the advantages of Personal Credit is that it is quick and easy to apply for, with payment in installments that fit your budget, via direct debit, bank slip or post-dated check.
How to get a personal loan online?
It's not that difficult, but it's not easy either. We recommend that you simulate a loan. Another very useful thing to do is to evaluate the loans with the lowest CET (Total Effective Cost).
Choose the payment method (number of installments;
Send the documents to the chosen bank or financial institution;
Wait for the credit analysis, and check your account.
After all, what do you need to take out a personal loan at Caixa?
This part here is no longer so bureaucratic, what you basically need is the mandatory data for any financial transaction:
The documents required to take out a loan at Caixa are.
CPF.
ID.
Proof of residence.
Proof of income.
Is it possible to do an online simulation? Yes, it is. possible, access now the official Caixa website and run your simulation.
Good luck!