• Resident Individual clients, in Individual or collective name (joint and solidary).
• Businesses interested in offering this account to their employees.

• Over the age of 18 years old;
• Employment contract, preferably for more than one year with the same Company;
• No credits and/or other active responsibilities in irregular situation;
• Amortization of the total amount borrowed at the end of the stipulated period with the client.

For detailed information on fees and commissions, please consult the price list.

• Fill out the form for this purpose;
• Wage receipts for the last three months;
• Employer`s salary statement specifying the condition of effectiveness of the employment contract, its duration and the amount earned monthly.

• Sporadic and immediate funding for any unforeseen expenses;
• Payment of the credit actually used;
• Guarantee that standing transfer orders are always fulfilled, within the assigned credit limit;
• Guarantee that checks are not returned, within the assigned credit limit;
• The application process is very easy;

• Aimed at Individual Clients, with their salary domiciled at Caixa.

• To be a client of Caixa with a good track record;
• Have fixed and permanent income domiciled at Caixa for more than 3 (three) months;
• Employment contract with the same company or entity for more than one year;
• Absence of credits and/or other active responsibilities in irregular situation.

 Availability of up to 15 (fifteen) months of gross salary, if the stress rate so allows.

For detailed information on fees and commissions, please consult the price list.

• Credit application form duly filled out and signed;
• C.N.I. or ID of all applicants involved;
• NIF Statement/card of all applicants involved;
• Valid addresses of all applicants involved;
• Copy of marriage certificate for all married applicant;
• Statement of salary/income of all applicants involved;
• Certified copy of the Employment Contract, in case of temporary/term contracts;

Identification documents, must be submitted in original format.

• Availability of resources to incur various expenditures, without the need to prove the purpose of the credit;
• Possibility of benefiting from up to 15 months of gross salary, provided that the effort rate so allows;
• Allows the accumulation of more than one credit;
• Short/medium term redeemable credit.

• Mortgage loans are intended for Individual clients and potential Caixa clients.
• It is granted for the acquisition or construction of a permanent or secondary home. (sale or rental).

• To be a client of Caixa with a good track record, or a potential client;
• Have fixed and permanent income domiciled at Caixa;
• Have an effective employment contract with the same company or entity for more than one year;
• Absence of credit and/or other active responsibilities in irregular situation.

The maximum funding percentage depends on the value of the assessment made by Caixa, and can be up to 100%, if the effort rate so allows.

For more detailed information on fees and commissions, consult the price list.

• Filled out and signed credit application form;
• Applicants C.N.I. or ID card;
• Applicants NIF statement/ID card;
• Salary/income statement;
• Employment contract in case of a hired applicant;
• Land and property Certificates (for acquisition) or property (in case of construction);
• Updated location plan;
• Architecture project or land surveying.

• Possibility of fulfilling the dream of owning a home and/or real estate business;
• Guarantee of lower installments in comparison with other credits;
• Owning a permanent home with the possibility of financing up to 100% for construction or acquisition, as long as the effort rate allows it;
• Access to other products and services under preferential conditions;
• Offers differentiated conditions according to the applicant`s income;
• Access to other products and services on preferential terms;
• Offer of differentiated conditions according to the applicant`s income;
• Access to payment domiciliation packages, which can contribute to the reduction of the interest rate, in accordance with the client`s income.

• Land Loan was created specifically to finance the purchase of land for Caixa`s Individual customers.

• Being a client of Caixa with a good track record;
• Have fixed and permanent income domiciled at Caixa;
• Have an effective employment contract with the same company or entity for more than one year;
• Credits and/or other active responsibilities in irregular situation.

 For detailed information on fees and commissions, please consult the  price list.

• Credit application form duly completed and signed;
• Applicants and leading seller C.N.I. or ID;
• Applicants and leading seller NIF statement/card; 
• Salary/income statement;
• Employment contract, in the case of hired applicant;
• Land and property Certificate updated (1 year validity);
• Updated location plan;

• Possibility of fulfilling the dream of owning a home and/or real estate business;
• Credit granted at preferential interest rates;
• The required collateral may be a mortgage on the land to be acquired;
• This financing may be amortized in exchange for the amount to be granted at the time of conclusion of the construction loan contract, if the effort rate so permits;

• The Remodelling Loan is aimed at Individual Clients and potential Caixa clients.
• Caixa borrowers with active housing loans.

• Being a Caixa client with a good track history;
• To have an effort rate in accordance with the rugulations in force;
• Have an effective employment contract with the same company or entity for more than one year;
• No credits and/or other active responsibilities in irregular situation.

For detailed information on fees and commissions, consult the price list.

• Credit application form duly completed and signed;
• Applicant’s C.N.I. or ID;
• Applicant’s NIF statement/card;
• Salary / income statement;
• Employment contract in the case of a hired applicant;
• Updated asset`s land and property certificate (1 year validity);
• Updated location plan;
• Remodeling budget, including all invoices for the works to be considered.

• Possibility of always keeping the house in good condition;
• Permits to keep the house modern and enjoy the best living conditions offered on the market;
• Reduced interest rate for clients adherent to Caixa`s Pack service;
• Permits taking advantage of the same property to ensure other financing in the future.

• Aimed at Caixa`s Individual Clients;
• Created specifically for student workers and/or parents, in charge of education, who wish to obtain financial resources for their own education and/or their child;
• A credit line for medium level education, undergraduate, postgraduate, master`s, doctorate and technological specialization courses, in national or foreign schools.

The beneficiary must meet all the following conditions:

• To have a guaranteed place to study;
• To have fixed and permanent income domiciled at Caixa;
• To have an effective employment contract with the same company or entity for more than one year;
• To have no credits and/or other active responsibilities in irregular situation.

The financing works on monthly release of tranches, according to the contractual conditions. Thus, monthly transfers can be made through:

• Pre-paid Visa Plus Card charge;
• Transfer to student account abroad;
• Direct transfer to the Institute/University account, if the studies are undertaken in Cabo Verde.

 For detailed information on fees and commissions, please consult the  price list.

• Credit application form duly completed and signed;
• C.N.I. or ID of the applicant and beneficiary (guarantors, if applicable);
• NIF statement/Card of the applicant (guarantor, if applicable);
• Income declaration of the applicant (guarantor, if applicable);
• Declaration of vacancy or certificate of registration of the beneficiary;
• Course curriculum plan;
• Statement of the tuition fee;

 The stakeholders identification documents must be submitted in their original format.

• Possibility of training and qualification for the labor market;
• Special interest rate reductions, granted according to the obtained school results, during the period of credit use;
• Possibility of providing a contractual position, after the end of studies;
• Allows monthly payments during the usage period, which reduces the costs during the term of the credit;
• The credit can be amortized up to 10 (ten) years;

• Higher education students of Cabo Verdean nationality, including those enrolled in Vocational Higher Education Courses, Degree and Master`s degrees, in higher education institutions in the country.
• In exceptional cases, Masters Courses abroad may be financed, when they are not taught at any university in the national territory.

• Proof of enrollment/acceptance of the student in a higher education institution in Cabo Verde;
• The applicant cannot be the beneficiary of a scholarship granted by the State, or by any other body;
• The applicant must have an age limit that allows him/her to repay the credit in full until his/her official retirement age.

The Scholarship Loan is a medium/long term credit created specifically to finance courses of Higher Professional Studies, Bachelor`s and Master`s degrees, included in an available list, under a Protocol.
The maximum amount to be granted is 1,000,000$00 (one million escudos). The term of use of the credit adjusts to the duration of the course and can go up to a maximum of 4 (four) years.
The maximum repayment term of the credit is 8 (eight) years.
For detailed information on fees and commissions, please consult the price list.

• Credit application form  duly completed and signed;
• C.N.I. or ID of the applicant and guarantors;
• NIF statement/card of the applicant and guarantors;
• Statement of salary/income of the household;
• Certificate of registration/acceptance;
• Course curricular plan;
• Opinion of the Directorate General of Higher Education that defines the eligibility of the course;
• Declaration of commitment by the applicant;
• Certificate of completion of secondary education;
• Declaration certifying the inexistence of litigious lawsuits (proponent and guarantors);
• Declaration of the borrower`s parents, regarding their responsibility for their monthly interest payment;
• Blank booklet with filling agreement.

The identification documents of all stakeholders must be submitted in their original format.

• Access to credit for higher education at a very attractive rate;
• Benefit from a one year grace period;
• Submission of guarantee, only from parents or family members up to 2nd degree;
• Decrease of the interest rate according to the annual average of academic performance;
• Exemption from the advance credit commission.

• Aimed at Caixa`s Individual Clients.

• To have fixed and permanent income domiciled at Caixa;
• Have an effective employment contract with the same company or entity, for more than one year;
• To have no credits and/or other active responsibilities in irregular situation.

 With the Home Credit, you can have access to a financing of up to 100% of the value of the presented Pro-forma invoice.
The maximum repayment term is 48 months.
For detailed information on fees and commissions, please consult the price list.

• Credit application form filled out and signed;
• C.N.I. or ID of all stakeholders;
• NIF statement/card of all stakeholders;
• Statement of salary/ income of all involved;
• Pro-forma invoice of the supplying commercial house.

The identification documents must be presented in original format.

• Have all the comfort you want, in your own home;
• Direct transfer to the account of the selling business establishment;
• Possibility of accumulating more than one Home Credit, as long as the effort rate allows it;
• Allows you to make purchases in more than one commercial house.

• Multimedia Credit is aimed at Caixa`s Individual Clients, teachers, university students and professionals linked to the area of education and professional training.
• It is granted for the acquisition of multimedia supports.

• To be Caixa`s client and have a good track record;
• Have an effective employment contract with the same company or entity for more than one year;
• Not having credits and/or other active responsibilities in irregular situation.

 The maximum amortization period is 48 months.
For detailed information on fees and commissions, please consult the price list.

• Credit application form duly filled out and signed;
• C.N.I. or ID of all stakeholders;
• NIF statement/card of all stakeholders;
• Statement of salary/income of all stakeholders;
• Proof of student, teacher or professional condition related to the education or professional training of the applicant;
• Supplier`s Pro-forma invoice.

The identification documents, must be presented in original format.

• Access to credit for training support;
• Very attractive interest rate financing;
• Possibility of training under proper conditions
• Access to multimedia media to facilitate studies (computers, laptops, data show and printers);
• Allows you to choose your supplier;

• Caixa Renewable Energy is a credit line for Individual Clients, aimed at contributing to the reduction of the country`s energy dependence, and at promoting the use of alternative energy sources in view of the growing market demand.

• Have an effective employment contract with the same company or entity for more than one year;
• To have no credits and/or other active responsibilities in irregular situation.

Possibility of financing up to 100% of the value of the pro-forma invoice.

For detailed information on fees and commissions, please consult the price list.

• Credit application form duly filled out and signed;
• C.N.I. or ID of all the stakeholders;
• NIF statement/card of all the stakeholders;
• Statement of salary/ income of all stakeholders;
• Supplier`s pro-forma invoice;

 The identification documents, must be presented in original format.

• Possibility to invest in renewable energy;
• Decrease of costs of personal and professional activities;
• Special financing conditions;
• Contribution to the environment;
• Tax benefits.

• Aimed at the Individual Client segment;
• Serves to finance the purchase of tickets and/or travel packages for clients wishing to go on holiday.

• To have fixed and permanent income domiciled at Caixa;
• Have an effective employment contract with the same company or entity for more than one year;
• To have no credits and/or other active responsibilities in irregular situation.

The maximum reimbursement period is 24 months.
For detailed information on fees and commissions, please consult the  price list.

• Credit application  form duly filled out and signed;
• C.N.I. or ID of all the stakeholders;
• NIF statement/card of all the stakeholders;
• Statement of salary/ income of all stakeholders;
• Supplier`s pro-forma invoice;
• Certified copy of employment contract, for fixed/term contracts;
• Pro-forma invoice from the seller/travel agency.

 Identification documents must be submitted in original format.

• Possibility to see new countries, learn from new cultures, broaden the horizon;
• Allows trips for health treatment, holidays and tourism;
• Possibility of 100% financing (Ticket purchase and travel packages);
• Transfer of the amount related to the purchase of the ticket/travel package, to the travel agency account, and deposit of the remaining amount in the client`s account;
• Credit facility for travel, at a very attractive rate;

• Intended for all private clients, for personal use.

• To be a Caixa client with a good track record;
• To have fixed and permanent income domiciled at Caixa;
• To have an effort rate in accordance with the regulations in force;
• To have an effective employment contract with the same company or entity for more than one year, in the case of Individual clients;
• Absence of credits and/or other active responsibilities in irregular situation.

The amortization period cannot exceed the maximum period of 6 (six) years.
 For detailed information on fees and commissions, please consult the  price list.

• Certified copy of the Employment Contract for fixed-term contracts;
• Copy of booklet for used vehicles;
• Promissory contract of purchase and sale, for used cars;
• Certificate of commercial registration;
• Dealership Pro-forma invoice, in the case of new cars;
• Identification documents, of all the intervening parties, must be presented in original format.

• Possibility of 100% financing for the purchase of a personal car;
• Credits may be accumulated, up to the limit of the effort rate;
• The vehicle itself can be accepted as collateral;
• Possibility of payment of vehicle insurance by direct debit to the account and without additional costs for the client.