Caixa Econômica Federal announced the resumption of its credit line PcD credit, offering special conditions for people with disabilities who seek to acquire products and services essential to their quality of life.
With a discount on interest, this line is aimed at customers with a monthly income of up to ten minimum wages.
So, below, find out more about the modalities and benefits of this initiative.
What is PcD credit?
THE PcD credit It is an exclusive financing line for people with disabilities, intended for the purchase of items such as:
- Wheelchairs;
- Residential elevators;
- Prosthetics;
- Orthoses and glasses with filter lenses.
Furthermore, it involves services such as vehicle and residential adaptations, allowing greater autonomy and accessibility in everyday life.
Caixa offers easy conditions to meet the specific needs of this public, recognizing the importance of financially supporting these acquisitions that directly impact the beneficiaries' quality of life.
Available Modalities
The line of PcD credit Caixa is structured in three modalities, each with specific conditions:
- Modality 1: Available to customers with a monthly income between five and ten minimum wages, with an interest rate of 7.5% per year;
- Modality 2: For customers with an income of up to five minimum wages, it offers an even more affordable rate of 6% per year;
- Modality 3: Intended for customers who do not meet the income limits of the previous modalities, with a rate starting at 1.69% per month, but without the discount on interest.
The payment term is up to 60 months, and the installments are debited directly from the Caixa account, bringing more convenience to the customer.
Benefits of PcD Credit
This initiative has several benefits:
- Financial inclusion: By offering special conditions for people with disabilities, Caixa contributes to greater access to essential products and services;
- Reduced interest: The discount on interest, subsidized by the federal government, is one of the differences that make the line of PcD credit interesting;
- Ease of hiring: The application process is simple and only requires basic documents, such as identity document, CPF, proof of income, address and medical recommendation;
- Diversity of Financeable Products and Services: From mobility devices to home adaptations, the broad financing coverage meets the most varied needs.
How to Apply for PcD Credit?
Interested parties must go to a Caixa Econômica Federal agency with the necessary documentation, which includes:
- Identity document and CPF;
- Updated proof of address;
- Proof of income;
- Medical report or prescription detailing the items or services to be financed.
After analyzing the documentation, the client will be informed about the financing conditions and will be able to start using the resources to acquire the necessary products or services. To find out more, click here and check it out on the Ciaxa website.