{"id":25434,"date":"2021-07-17T23:00:00","date_gmt":"2021-07-17T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=25434"},"modified":"2021-07-16T23:42:35","modified_gmt":"2021-07-16T23:42:35","slug":"emprestimo-zema-ou-emprestimo-bv-financeira","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/emprestimo-zema-ou-emprestimo-bv-financeira\/","title":{"rendered":"P\u016fj\u010dka Zema nebo P\u016fj\u010dka BV Financeira: kterou si vybrat"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Zema x BV Financeira: descubra qual o ideal para voc\u00ea<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Zema x BV Financeira: descubra qual o ideal para voc\u00ea\"  id=\"25435\" src=\"https:\/\/ucarecdn.com\/c5e04059-82c1-46f0-a935-7a8470d092b1\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Zema x BV Financeira: descubra qual o ideal para voc\u00ea<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim como qualquer modalidade de empr\u00e9stimo, existem vantagens e desvantagens no Zema X BV Financeira. Acima de tudo, o empr\u00e9stimo ideal \u00e9 aquele que atende suas necessidades.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, para escolher entre Zema X BV Financeira, \u00e9 essencial fazer compara\u00e7\u00f5es entre ambos. Contudo, depois disso, simular com a institui\u00e7\u00e3o financeira que possui as melhores vantagens para o seu perfil de consumidor.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z17JrTx\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-emprestimo-zema\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Jak za\u017e\u00e1dat o p\u016fj\u010dku Zema\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/f3495479-bee3-46a1-8a7c-5bdd1e2286dc\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-emprestimo-zema\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Jak za\u017e\u00e1dat o p\u016fj\u010dku Zema\">\n            Jak za\u017e\u00e1dat o p\u016fj\u010dku Zema        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Quer aprender a solicitar o empr\u00e9stimo Zema com prazos estendidos, libera\u00e7\u00e3o r\u00e1pida e taxas de juros reduzidas? Ent\u00e3o continue a leitura para aprender o passo a passo!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-emprestimo-zema\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Tak\u017ee pokra\u010dujte ve \u010dten\u00ed, abyste se u\u010dili krok za krokem!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-emprestimo-bv-financeira\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-emprestimo-bv-financeira\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/da4edb23-ba2e-4310-b9ef-42cc3ee37772\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Jak za\u017e\u00e1dat o p\u016fj\u010dku BV Financeira              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-emprestimo-bv-financeira\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    \u010cti d\u00e1l                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Z\u016fstanete na stejn\u00e9m webu              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Zema<\/strong><\/td><td><strong>BV Financeira<\/strong><\/td><\/tr><tr><td><strong>Minim\u00e1ln\u00ed p\u0159\u00edjem<\/strong><\/td><td>Neinformov\u00e1n<\/td><td>Neinformov\u00e1n<\/td><\/tr><tr><td><strong>\u00darokov\u00e1 sazba<\/strong><\/td><td>De 3.99% a 12.99% ao m\u00eas<\/td><td>A partir de 1,32% ao m\u00eas<\/td><\/tr><tr><td><strong>Term\u00edn k zaplacen\u00ed<\/strong><\/td><td>A\u017e 24 m\u011bs\u00edc\u016f<\/td><td>De 48 a 60 meses<\/td><\/tr><tr><td><strong>Kde pou\u017e\u00edt kredit<\/strong><\/td><td>Pessoal<\/td><td>Pessoal<\/td><\/tr><tr><td><strong>V\u00fdhody<\/strong><\/td><td>\u00d3timas taxas;<br>Contrata\u00e7\u00e3o r\u00e1pida e 100% online;<br>Parcelamento em at\u00e9 24x;<br>Dinheiro em sua conta dentro de 24 horas;<br>Seguran\u00e7a dos dados garantida.&nbsp;<\/td><td>R\u00e1pida disponibilidade;<br>Acessibilidade.<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Zema P\u016fj\u010dka<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"image\"  id=\"24460\" src=\"https:\/\/ucarecdn.com\/f3495479-bee3-46a1-8a7c-5bdd1e2286dc\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" ><\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes de tudo, a Zema Financeira \u00e9 um grupo que oferece solu\u00e7\u00f5es financeiras aos seus clientes. Seus principais setores s\u00e3o o ramo automobil\u00edstico, cons\u00f3rcio, varejo e servi\u00e7os.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Atualmente, a institui\u00e7\u00e3o conta com mais de cinco milh\u00f5es de clientes ao redor do pa\u00eds. Por fim, suas linhas de cr\u00e9dito s\u00e3o utilizadas de v\u00e1rias maneiras, como \u00e9 o caso do empr\u00e9stimo pessoal Zema.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O objetivo da Zema \u00e9 oferecer as melhores taxas de juros e condi\u00e7\u00f5es no mercado. Por\u00e9m, ao contr\u00e1rio do que a maioria dos consumidores imagina, a an\u00e1lise de cr\u00e9dito para pessoas negativadas acontece, mas \u00e9 criteriosa.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>P\u016fj\u010dka BV Financeira<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"image\"  id=\"24288\" src=\"https:\/\/ucarecdn.com\/916e5350-eb07-42bf-8277-7b122f240053\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" ><\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Primeiramente, o empr\u00e9stimo pessoal BV Financeira \u00e9 um cr\u00e9dito que pode ser usado onde o cliente desejar! Por isso, essa modalidade \u00e9 diferente do empr\u00e9stimo automobil\u00edstico e imobili\u00e1rio, que j\u00e1 possuem uma finalidade.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, \u00e9 muito prov\u00e1vel que voc\u00ea j\u00e1 tenha contratado um empr\u00e9stimo pessoal ou conhe\u00e7a algu\u00e9m que fez isso. Mas com a BV Financeira, voc\u00ea pode contratar seu empr\u00e9stimo 100% online!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse sentido, o empr\u00e9stimo ser\u00e1 muito mais f\u00e1cil, sem a necessidade de informar onde o dinheiro ser\u00e1 utilizado. Todavia, assim que o dinheiro estiver em sua conta, voc\u00ea poder\u00e1 us\u00e1-lo para qualquer investimento.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Quais as vantagens do Empr\u00e9stimo Zema?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes que contrate o empr\u00e9stimo Zema, analisar quais s\u00e3o as vantagens \u00e9 ideal. Ali\u00e1s, essa \u00e9 uma d\u00favida v\u00e1lida e comum da maioria dos consumidores. Basicamente, a institui\u00e7\u00e3o oferece os seguintes benef\u00edcios:&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>O processo para contrata\u00e7\u00e3o \u00e9 100% online;<\/li><li>N\u00e3o h\u00e1 necessidade de ir at\u00e9 uma ag\u00eancia f\u00edsica;<\/li><li>O desconto de uma parte das parcelas \u00e9 feito pela folha de pagamento;<\/li><li>Direito de at\u00e9 R $15 mil de empr\u00e9stimo;<\/li><li>Taxas de juros a partir de 3.99% ao m\u00eas;<\/li><li>Possibilidade de parcelar em at\u00e9 24 meses;<\/li><li>Dinheiro liberado dentro de 24 horas;<\/li><li>mezi ostatn\u00edmi.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acima de tudo, lembre-se de analisar as op\u00e7\u00f5es e compar\u00e1-las antes de contratar o empr\u00e9stimo.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Quais as vantagens do Empr\u00e9stimo BV Financeira?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes de mais nada, uma das modalidades de cr\u00e9dito mais buscada \u00e9 o empr\u00e9stimo pessoal. Ademais, isso porque, ela garante v\u00e1rias vantagens, principalmente pela BV Financeira:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>O dinheiro \u00e9 disponibilizado rapidamente ao cliente;<\/li><li>O empr\u00e9stimo pessoal costuma ser acess\u00edvel.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Contudo, \u00e9 comum que a institui\u00e7\u00e3o financeira fa\u00e7a uma an\u00e1lise de cr\u00e9dito criteriosa, principalmente para os clientes com restri\u00e7\u00e3o no nome.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Quais as desvantagens do Empr\u00e9stimo Zema?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes que o cr\u00e9dito seja aprovado, o cliente passa por uma an\u00e1lise de cr\u00e9dito rigorosa. Entretanto, \u00e9 justamente nesse ponto em que est\u00e1 a maior desvantagem do empr\u00e9stimo.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Quais as desvantagens do Empr\u00e9stimo BV Financeira?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Agora, assim como qualquer outro empr\u00e9stimo do mercado, a BV Financeira tamb\u00e9m possui desvantagens. Contudo, conhecer quais s\u00e3o elas \u00e9 importante, principalmente para tomar sua decis\u00e3o:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Alta taxas de juros praticada;<\/li><li>O acesso ao cr\u00e9dito \u00e9 limitado.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Empr\u00e9stimo Zema ou Empr\u00e9stimo BV Financeira: qual escolher?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Primeiramente, analise as vantagens e desvantagens de ambos empr\u00e9stimos e fa\u00e7a uma compara\u00e7\u00e3o.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, priorize a op\u00e7\u00e3o que atende \u00e0s suas necessidades pessoais.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, a melhor escolha depende unicamente de voc\u00ea! Ademais, compare essas e mais op\u00e7\u00f5es do mercado, contratando aquela que oferece as melhores condi\u00e7\u00f5es para seu perfil de consumidor.\u00a0<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-VDNUQ\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/emprestimo-zema-ou-alfa-financeira\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Empr\u00e9stimo Zema ou Alfa Financeira: qual escolher\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/0154c837-7522-4a79-9584-ea02d51b3f6c\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/emprestimo-zema-ou-alfa-financeira\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Empr\u00e9stimo Zema ou Alfa Financeira: qual escolher\">\n            Empr\u00e9stimo Zema ou Alfa Financeira: qual escolher        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Escolher entre o Empr\u00e9stimo pessoal Zema ou Alfa Financeira \u00e9 dif\u00edcil, principalmente por cada um possuir suas pr\u00f3prias vantagens. 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Afinal, para contratar a que melhor atende suas necessidades, \u00e9 necess\u00e1rio conhec\u00ea-las! 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