{"id":50317,"date":"2022-05-04T12:05:00","date_gmt":"2022-05-04T12:05:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=50317"},"modified":"2022-04-29T17:17:33","modified_gmt":"2022-04-29T17:17:33","slug":"balaroti-ou-leroy","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/el\/balaroti-ou-leroy\/","title":{"rendered":"Balaroti Financing \u03ae Leroy Financing: \u03c0\u03bf\u03b9\u03bf \u03b5\u03af\u03bd\u03b1\u03b9 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03bf;"},"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>Balaroti x Leroy: descubra qual escolher<\/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=\"Conhe\u00e7a os dois financiamentos e decida o melhor para a sua obra! Fonte: Pexels\"  id=\"50319\" src=\"https:\/\/cdn.adtechpanda.com\/f10ea709-074e-4742-a5e3-6e91a79e61ef\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Conhe\u00e7a os dois financiamentos e decida o melhor para a sua obra! Fonte: Pexels<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Quando se trata de financiar a sua obra, h\u00e1 muitas op\u00e7\u00f5es diferentes dispon\u00edveis. Sendo assim, com Financiamento Balaroti ou Financiamento Leroy, isso pode ser mais f\u00e1cil. Isso porque ambos t\u00eam os seus pr\u00f3s e os seus contras.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em suma, tanto a Balaroti quanto a Leroy s\u00e3o lojas de constru\u00e7\u00e3o. Dessa forma, o seu financiamento \u00e9 focado especialmente nos materiais da sua obra. Entretanto, as lojas tamb\u00e9m possuem outros artigos como de decora\u00e7\u00e3o e paisagismo.&nbsp;&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Neste artigo, vamos comparar os dois financiamentos e ajud\u00e1-lo a decidir qual \u00e9 a melhor op\u00e7\u00e3o. Confira!<\/p>\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>\u0395\u03bb\u03ac\u03c7\u03b9\u03c3\u03c4\u03bf \u03b5\u03b9\u03c3\u03cc\u03b4\u03b7\u03bc\u03b1<\/td><td><strong>Financiamento Balaroti<\/strong><br><br><\/td><td><strong>Financiamento Leroy<\/strong><\/td><\/tr><tr><td>\u0395\u03c0\u03b9\u03c4\u03cc\u03ba\u03b9\u03bf<\/td><td>\u039d\u03b1\u03af<\/td><td>\u0391\u03c0\u03c1\u03bf\u03b5\u03b9\u03b4\u03bf\u03c0\u03bf\u03af\u03b7\u03c4\u03bf\u03c2<\/td><\/tr><tr><td>\u03a0\u03c1\u03bf\u03b8\u03b5\u03c3\u03bc\u03af\u03b1 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae\u03c2<\/td><td>\u039d\u03b1 \u03c3\u03c5\u03bc\u03b2\u03bf\u03c5\u03bb\u03b5\u03c5\u03c4\u03b5\u03af\u03c4\u03b5<\/td><td>\u0388\u03c9\u03c2 36 \u03bc\u03ae\u03bd\u03b5\u03c2<\/td><\/tr><tr><td>\u03a0\u03c1\u03bf\u03b8\u03b5\u03c3\u03bc\u03af\u03b1 \u03ad\u03ba\u03b4\u03bf\u03c3\u03b7\u03c2<\/td><td>\u0388\u03c9\u03c2 45 \u03b7\u03bc\u03ad\u03c1\u03b5\u03c2 \u03b3\u03b9\u03b1 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae<\/td><td>\u0391\u03c0\u03bb\u03b7\u03c1\u03bf\u03c6\u03cc\u03c1\u03b7\u03c4\u03bf\u03c2<\/td><\/tr><tr><td>\u03a7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03bf\u03c4\u03b9\u03ba\u03ae \u0391\u03be\u03af\u03b1<\/td><td>\u039c\u03b5\u03c4\u03ac \u03b1\u03c0\u03cc \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03b1\u03bd\u03ac\u03bb\u03c5\u03c3\u03b7<\/td><td>\u0391\u03c0\u03bb\u03b7\u03c1\u03bf\u03c6\u03cc\u03c1\u03b7\u03c4\u03bf\u03c2<\/td><\/tr><tr><td>\u0394\u03ad\u03c7\u03b5\u03c3\u03b1\u03b9 \u03c4\u03b1 \u03b1\u03c1\u03bd\u03b7\u03c4\u03b9\u03ba\u03ac;<\/td><td>\u0395\u03be\u03b1\u03c1\u03c4\u03ac\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf \u03cc\u03c1\u03b9\u03bf \u03c0\u03bf\u03c5 \u03b1\u03c0\u03b5\u03bb\u03b5\u03c5\u03b8\u03b5\u03c1\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9<\/td><td>\u039f\u03c7\u03b9<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><div 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font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/el\/como-solicitar-o-financiamento-para-construcao-balaroti\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Solicite o financiamento para constru\u00e7\u00e3o Balaroti\">\n            Solicite o financiamento para constru\u00e7\u00e3o Balaroti        <\/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            Descubra como solicitar o financiamento para constru\u00e7\u00e3o Balaroti!        <\/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\/el\/como-solicitar-o-financiamento-para-construcao-balaroti\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n         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data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u03a0\u03ce\u03c2 \u03bd\u03b1 \u03c5\u03c0\u03bf\u03b2\u03ac\u03bb\u03b5\u03c4\u03b5 \u03b1\u03af\u03c4\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03cc\u03c4\u03b7\u03c3\u03b7 Leroy\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/655fd8dd-9992-4d9c-afb8-e24b043fb137\/\" 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\/el\/como-solicitar-o-financiamento-leroy\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u03a0\u03ce\u03c2 \u03bd\u03b1 \u03c5\u03c0\u03bf\u03b2\u03ac\u03bb\u03b5\u03c4\u03b5 \u03b1\u03af\u03c4\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 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Fonte: Senhor Panda\"  id=\"50320\" src=\"https:\/\/cdn.adtechpanda.com\/112b8739-99f6-4996-b39d-4797ecc0dbe8\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Saiba tudo sobre o financiamento Balaroti. Fonte: Senhor Panda<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em primeiro lugar, a Balaroti \u00e9 uma empresa de constru\u00e7\u00e3o que tem lojas em v\u00e1rios estados. Ali\u00e1s, \u00e9 uma das lojas mais importantes do ramo de materiais de constru\u00e7\u00e3o do Brasil. Sendo assim, as lojas vendem materiais de constru\u00e7\u00e3o, decora\u00e7\u00e3o, encanamento, e muito mais. No caso do cart\u00e3o Balaroti, ele pode ser utilizado para compras na pr\u00f3pria loja Balaroti ou ent\u00e3o em outras lojas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse sentido, o cart\u00e3o \u00e9 uma parceria com o Banco Cetelem. Por essa raz\u00e3o \u00e9 poss\u00edvel utilizar o cart\u00e3o em diversos estabelecimentos. Mas em lojas Balaroti ele tem diversas vantagens que vamos mencionar mais para frente. Ou seja, voc\u00ea pode utilizar o cart\u00e3o Balaroti em qualquer loja que aceite cart\u00f5es Visa ou Mastercard.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, para solicitar o seu cart\u00e3o ainda n\u00e3o \u00e9 poss\u00edvel fazer direto com a Cetelem. Ainda \u00e9 necess\u00e1rio comparecer a loja Balaroti mais pr\u00f3xima de voc\u00ea para fazer a solicita\u00e7\u00e3o.<\/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>Financiamento Leroy<\/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=\"Descubra os detalhes do financiamento Leroy. Fonte: Senhor Panda\"  id=\"50321\" src=\"https:\/\/cdn.adtechpanda.com\/090affa3-93e1-4b3e-b492-369874d41e5f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Descubra os detalhes do financiamento Leroy. Fonte: Senhor Panda<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A Leroy Merlin \u00e9 uma rede de lojas de constru\u00e7\u00e3o. Sendo assim, a empresa possui lojas em todo o Brasil e em 11 pa\u00edses no exterior. Embora seja mais conhecida pelo ramo de constru\u00e7\u00e3o, a loja tamb\u00e9m possui itens de decora\u00e7\u00e3o e jardinagem.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em suma, o financiamento da Leroy Merlin \u00e9 bem similar a Balaroti. Isso porque tamb\u00e9m pode ser feito atrav\u00e9s da modalidade de cart\u00e3o. Sendo assim, o cart\u00e3o Celebre \u00e9 uma boa op\u00e7\u00e3o para quem est\u00e1 reformando ou decorando a casa. Ali\u00e1s, ele oferece 45 dias para come\u00e7ar a pagar a parcela. Al\u00e9m de que o parcelamento pode ser feito em at\u00e9 36 parcelas fixas. Ademais, por ser um cart\u00e3o com bandeira Mastercard, o cart\u00e3o faz parte do programa Mastercard Surpreenda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, se o seu foco \u00e9 realizar as compras s\u00f3 na Leroy Merlin, o cart\u00e3o ainda oferece cr\u00e9dito extra. Mas lembre-se que o financiamento est\u00e1 sujeito a aprova\u00e7\u00e3o de cr\u00e9dito e pagamento de anuidade. Dessa forma, \u00e9 importante entender todas as condi\u00e7\u00f5es do cart\u00e3o antes de contratar o produto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, se voc\u00ea deseja solicitar o cart\u00e3o, \u00e9 preciso comparecer a uma loja Leroy. Sendo assim, basta comparecer a loja mais pr\u00f3xima com um documento de identifica\u00e7\u00e3o e comprovante de resid\u00eancia. Nesse sentido, ap\u00f3s a solicita\u00e7\u00e3o, basta monitorar os gastos e a fatura pelo aplicativo do Banco Cetelem. Ali\u00e1s, at\u00e9 para desbloquear o cart\u00e3o \u00e9 preciso acessar o app do Banco.<\/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 Financiamento Balaroti?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Basicamente, o finaciamento Balaroti \u00e9 uma \u00f3tima op\u00e7\u00e3o para quem est\u00e1 realizando uma obra. Isso porque, durante a constru\u00e7\u00e3o \u00e9 sempre comum precisar de mais material do que o planejado. Sendo assim, a Balaroti oferece a linha de cr\u00e9dito com muitas vantagens para comprar na loja. Al\u00e9m disso, a rede possui mais de 50 mil produtos dispon\u00edvels. Dessa maneira, os produtos da sua constru\u00e7\u00e3o ficam garantidos e os gastos tamb\u00e9m.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, uma grande vantagem \u00e9 o limite adicional para comprar em lojas Balaroti. Ou seja, se voc\u00ea estiver na loja e a compra ultrapassar o valor, n\u00e3o tem problema. Basicamente, \u00e9 s\u00f3 solicitar um aumento de limite e o andamento da sua obra segue normalmente.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, como j\u00e1 mencionamos, o financiamento Balaroti pode ser monitorado por aplicativo. Em raz\u00e3o da parceria com o Banco Cetelem, a gest\u00e3o do cart\u00e3o fica muito mais f\u00e1cil. Afinal, \u00e9 por l\u00e1 que voc\u00ea consegue imprimir a segunda via da fatura, consultar limite e muito mais.<\/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 Financiamento Leroy?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bem como o Balaroti, o Financiamento Leroy tamb\u00e9m oferece condi\u00e7\u00f5es exclusivas para quem pretende comprar na pr\u00f3pria loja Leroy. Por exemplo, descontos exclusivos em compras nas lojas Leroy e limite adicional nas compras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o cart\u00e3o oferece um limite para ser utilizado dentro e fora da Leroy Merlin. Mas para comprar nas lojas Leroy, existe um limite adicional para ser utilizado. Ali\u00e1s, o cart\u00e3o oferece 45 dias para come\u00e7ar a pagar.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, o cart\u00e3o Leroy oferece a op\u00e7\u00e3o de saque. DIferentemente do cart\u00e3o de saque, aqui ainda h\u00e1 a possibilidade de ter o valor em dinheiro. Ou seja, se voc\u00ea contratar o cart\u00e3o, voc\u00ea tamb\u00e9m consegue fazer saque do valor de cr\u00e9dito. Para solicitar \u00e9 muito simples, basta acessar o app Cetelem ou at\u00e9 mesmo nos caixas eletr\u00f4nicos Saque24horas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, assim como o cart\u00e3o Balaroti, o cart\u00e3o Leroy tamb\u00e9m \u00e9 do banco Cetelem. Sendo assim, o aplicativo do banco est\u00e1 dispon\u00edvel para voc\u00ea. Ali\u00e1s, por l\u00e1 fica muito mais f\u00e1cil monitorar seus gastos. Al\u00e9m disso, \u00e9 poss\u00edvel consultar o melhor dia para compras, saber o dia de pagar a fatura, e ainda solicitar a segunda via. No aplicativo tamb\u00e9m \u00e9 poss\u00edvel solicitar o contato com a Cetelem em caso de qualquer d\u00favida.<\/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 Financiamento Balaroti?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em geral, se voc\u00ea busca um financiamento, n\u00e3o \u00e9 o caso do Balaroti. Por isso, a principal desvantagem \u00e9 o fato de ser um cart\u00e3o de cr\u00e9dito. Dessa forma, o cart\u00e3o tem muitos pr\u00f3s e contras. Por exemplo, se voc\u00ea precisar do dinheiro para contratar servi\u00e7os. Pois nem todos os profissionais trabalham com pagamento em cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o cart\u00e3o Balaroti n\u00e3o \u00e9 t\u00e3o f\u00e1cil de conseguir. Nesse sentido, para solicitar n\u00e3o pode ter nome sujo e ainda apresentar renda m\u00ednima. Ali\u00e1s, a an\u00e1lise de cr\u00e9dito \u00e9 feita tanto pela Cetelem quando a Balaroti.<\/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 Financiamento Leroy?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Diferentemente do Financiamento Balaroti, com o Financiamento Leroy \u00e9 poss\u00edvel realizar empr\u00e9stimo e pessoal e saque. Dessa forma, alguns servi\u00e7os da sua obra n\u00e3o ficam comprometidos. Entretanto, quando falamos de an\u00e1lise de cr\u00e9dito, a da Leroy pode ser bem criteriosa. Al\u00e9m de que n\u00e3o aceita negativados.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, a contrata\u00e7\u00e3o desse financiamento possui taxas. Bem como a taxa de manuten\u00e7\u00e3o da conta. Al\u00e9m disso, \u00e9 essencial ficar atento as taxas de juros, pois dependendo do caso, podem ser muito altas.<\/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>Financiamento Balaroti ou Financiamento Leroy: qual escolher?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, agora que voc\u00ea j\u00e1 conhece os dois, chegou a hora de decidir: Financiamento Balaroti ou Financiamento Leroy? Nesse sentido, depende muito das suas inten\u00e7\u00f5es com o financiamento. Principalmente pois os dois cr\u00e9ditos s\u00e3o muito similares, por serem at\u00e9 conveniados com o mesmo banco. Por isso, as vezes vale a pena aplicar em um deles e se n\u00e3o funcionar partir para o outro. Outro fator para levar em considera\u00e7\u00e3o \u00e9 a proximidade com a sua resid\u00eancia. Ou seja, pense qual loja fica mais perto da sua regi\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No mais, vamos te mostrar mais financiamentos para te ajudar a escolher. 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