/ Geral / Financiamento da CAIXA por carnκ, emitido na loja. Produto Novo. Nγo ι Construcard. Ι para consumidor que nγo possui conta bancαria e nem cartγo de crιdito!!!
Imprimir notνcia

Tamanho da letra

18/09/2014 ΰs 11:14 por Geral
Financiamento da CAIXA por carnκ, emitido na loja. Produto Novo. Nγo ι Construcard. Ι para consumidor que nγo possui conta bancαria e nem cartγo de crιdito!!!
crιditos: ACOMAC-SP
















Caros Associados:




A ANAMACO/ACOMAC está acertando com a CEF - Caixa Econômica Federal, um produto que atenda às necessidades do varejo de poder vender em 10 vezes   para cliente da loja que  não tem cartão de crédito.



No modelo que está sendo estudado, será emitido um carnê, PELA LOJA (para o cliente), com uma ,a taxa de juros reduzida de 2,85% para 2,65% ao mês. O plano poderá ser de pagamento em até 24 meses observando-se a retenção PARA O LOJISTA NA TABELA ABAIXO(veja a tabela). Se a revenda vender em 10 vezes terá uma retenção de 9,73% conforme mostra a tabela, e para o consumidor um juro de 2,65% ao mês. A CAIXA paga a loja em D+1.


No modelo de pagamento em até 6 vezes, a retenção é de 6,47%, e  fica próxima a maioria do que é cobrado pelos cartões de crédito das pequenas e médias empresas, entre a taxa cobrada e a antecipação para D+1, comparativamente, com risco total da CAIXA.



O lado positivo é que neste momento de aperto de crédito, possa ser dada mais uma alternativa de prazos com incremento nas vendas da loja.



Neste projeto específico, vamos operar com uma empresa credenciada da CAIXA, nossa  conhecida que é a TIVVO, que prepara tudo, desde o encaminhando das informações e contratos da loja com a CAIXA e depois fará a captação e o treinamento a distância da loja, e dará a liberação do crédito,  tudo via internet, o que se funcionar será muito bom para as empresas ,nossas associadas.






Regras que não serão mudadas, estabelecidas entre a CAIXA e a ANAMACO/ACOMAC:




1)  A Loja tem que ser cliente da CAIXA



2)  Tudo será feito pela Internet , não haverá custos de deslocamento



3)  A ANAMACO/ACOMAC irá encaminhar as possíveis solicitações



4)  A modalidade é exclusiva para empresas associadas da ACOMAC.







A Acomac São Paulo, aguarda seus comentários a respeito.

















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