{"id":76691,"date":"2022-12-15T23:00:00","date_gmt":"2022-12-15T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=76691"},"modified":"2022-12-15T09:33:07","modified_gmt":"2022-12-15T09:33:07","slug":"antecipar-fgts-pela-zema","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/el\/antecipar-fgts-pela-zema\/","title":{"rendered":"\u03a0\u03ce\u03c2 \u03bd\u03b1 \u03c0\u03c1\u03bf\u03c9\u03b8\u03ae\u03c3\u03b5\u03c4\u03b5 \u03c4\u03bf FGTS \u03bc\u03ad\u03c3\u03c9 \u03c4\u03bf\u03c5 Zema; \u0394\u03b5\u03af\u03c4\u03b5 \u03c4\u03b7 \u03b4\u03b9\u03b1\u03b4\u03b9\u03ba\u03b1\u03c3\u03af\u03b1"},"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 id=\"h-tenha-ate-10-anos-de-fgts-mesmo-sendo-negativado\">Tenha at\u00e9 10 anos de FGTS mesmo sendo negativado<\/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 mais sobre essa modalidade de empr\u00e9stimo! Fonte: Zema.\"  id=\"24471\" src=\"https:\/\/cdn.adtechpanda.com\/0154c837-7522-4a79-9584-ea02d51b3f6c\/\" 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 mais sobre essa modalidade de empr\u00e9stimo! Fonte: Zema.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Est\u00e1 pensando em antecipar o FGTS pela Zema? Pois fique sabendo que essa pode ser uma \u00f3tima op\u00e7\u00e3o de cr\u00e9dito para voc\u00ea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ao fazer a antecipa\u00e7\u00e3o do fundo de garantia voc\u00ea consegue acessar condi\u00e7\u00f5es melhores de empr\u00e9stimo. Al\u00e9m disso, com a Zema Financeira voc\u00ea pode ter seu cr\u00e9dito aprovado mesmo estando negativado.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-241xE5\">\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\/el\/empresas-emprestimo-negativados\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Empr\u00e9stimo para negativado\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/d2406862-98c9-4737-8712-6da93afe4b73\/\" 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\/empresas-emprestimo-negativados\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Empr\u00e9stimo para negativado\">\n            Empr\u00e9stimo para negativado        <\/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            Confira 7 institui\u00e7\u00f5es financeiras que aprovam o cr\u00e9dito para voc\u00ea!        <\/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\/empresas-emprestimo-negativados\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2            <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? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? 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            \u03a7\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\/el\/empresas-emprestimo-negativados\/\"  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\/d2406862-98c9-4737-8712-6da93afe4b73\/\">          \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                Empr\u00e9stimo para negativado              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/el\/empresas-emprestimo-negativados\/\"  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                    \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                \u0398\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03b5\u03af\u03bd\u03b5\u03c4\u03b5 \u03c3\u03c4\u03bf\u03bd \u03af\u03b4\u03b9\u03bf \u03b9\u03c3\u03c4\u03cc\u03c4\u03bf\u03c0\u03bf              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso acontece porque essa financeira n\u00e3o realiza consultas no SPC ou Serasa na hora de voc\u00ea antecipar o FGTS. Dessa forma, voc\u00ea tem mais chances de acessar o dinheiro que precisa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, antes de come\u00e7ar a solicitar o cr\u00e9dito, \u00e9 interessante que voc\u00ea conhe\u00e7a mais sobre essa modalidade para assim saber se ela \u00e9 a op\u00e7\u00e3o ideal para voc\u00ea!<\/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>O que \u00e9 a antecipa\u00e7\u00e3o do FGTS da Zema?<\/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=\"Essa \u00e9 a modalidade de cr\u00e9dito com as melhores condi\u00e7\u00f5es do mercado! Fonte: Pexels.\"  id=\"76694\" src=\"https:\/\/cdn.adtechpanda.com\/3c1c5efe-6d36-4d13-8d65-4d290e3119b5\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Essa \u00e9 a modalidade de cr\u00e9dito com as melhores condi\u00e7\u00f5es do mercado! 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>Em resumo, a antecipa\u00e7\u00e3o do FGTS \u00e9 uma modalidade de cr\u00e9dito onde voc\u00ea consegue acessar uma grande parcela do seu fundo de garantia.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, a partir dessa modalidade, voc\u00ea consegue receber de forma adiantada diversas parcelas do seu saque-anivers\u00e1rio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, ao inv\u00e9s de esperar at\u00e9 chegar o m\u00eas de seu anivers\u00e1rio para sacar o benef\u00edcio, voc\u00ea pode ter acesso a todas as parcelas hoje mesmo de forma mais pr\u00e1tica, r\u00e1pida e segura!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E a melhor parte \u00e9 que essa modalidade de empr\u00e9stimo n\u00e3o gera d\u00edvidas para voc\u00ea!&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso acontece porque ao solicitar o empr\u00e9stimo, a Zema vai descontar todos os anos o valor do saque-anivers\u00e1rio que voc\u00ea teria sacado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, o pagamento do empr\u00e9stimo acontece de forma autom\u00e1tica e, como est\u00e1 sendo feito sobre um dinheiro que j\u00e1 \u00e9 seu, as chances de voc\u00ea se endividar com essa forma de empr\u00e9stimo s\u00e3o quase nulas!&nbsp;<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1KNkRv\">\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\/el\/como-sair-do-superendividamento\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u03a0\u03ce\u03c2 \u03bd\u03b1 \u03b2\u03b3\u03b5\u03af\u03c4\u03b5 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03c5\u03c0\u03b5\u03c1\u03c7\u03c1\u03ad\u03c9\u03c3\u03b7;\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/52d5ae42-a486-4407-bd09-651d8919a8d1\/\" 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-sair-do-superendividamento\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u03a0\u03ce\u03c2 \u03bd\u03b1 \u03b2\u03b3\u03b5\u03af\u03c4\u03b5 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03c5\u03c0\u03b5\u03c1\u03c7\u03c1\u03ad\u03c9\u03c3\u03b7;\">\n            \u03a0\u03ce\u03c2 \u03bd\u03b1 \u03b2\u03b3\u03b5\u03af\u03c4\u03b5 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03c5\u03c0\u03b5\u03c1\u03c7\u03c1\u03ad\u03c9\u03c3\u03b7; 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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            \u03a7\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\/el\/como-sair-do-superendividamento\/\"  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\/52d5ae42-a486-4407-bd09-651d8919a8d1\/\">          \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                \u03a0\u03ce\u03c2 \u03bd\u03b1 \u03b2\u03b3\u03b5\u03af\u03c4\u03b5 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03c5\u03c0\u03b5\u03c1\u03c7\u03c1\u03ad\u03c9\u03c3\u03b7;              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/el\/como-sair-do-superendividamento\/\"  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                    \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                \u0398\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03b5\u03af\u03bd\u03b5\u03c4\u03b5 \u03c3\u03c4\u03bf\u03bd \u03af\u03b4\u03b9\u03bf \u03b9\u03c3\u03c4\u03cc\u03c4\u03bf\u03c0\u03bf              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\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>\u03a0\u03bf\u03b9\u03bf\u03c2 \u03ad\u03c7\u03b5\u03b9 \u03c4\u03bf \u03b4\u03b9\u03ba\u03b1\u03af\u03c9\u03bc\u03b1 \u03bd\u03b1 \u03c0\u03c1\u03bf\u03c9\u03b8\u03ae\u03c3\u03b5\u03b9 \u03c4\u03bf FGTS;<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para conseguir antecipar o FGTS pela Zema, um dos requisitos principais \u00e9 que o solicitante tenha uma conta ativa ou inativa do FGTS.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, tamb\u00e9m \u00e9 preciso que ele tenha saldo no seu fundo para conseguir acessar o cr\u00e9dito necess\u00e1rio e realizar o empr\u00e9stimo.<\/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 taxas e os prazos para antecipar o FGTS pela Zema?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes de realizar a contrata\u00e7\u00e3o de um novo empr\u00e9stimo, \u00e9 fundamental que voc\u00ea conhe\u00e7a as principais condi\u00e7\u00f5es que ele oferece.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sobre isso, voc\u00ea vai ficar feliz em saber que ao antecipar o FGTS pela Zema voc\u00ea consegue acessar as melhores condi\u00e7\u00f5es de empr\u00e9stimo do mercado!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como o valor das parcelas \u00e9 descontado de forma autom\u00e1tica do seu fundo de garantia, a financeira pode se sentir mais segura de que os pagamentos ser\u00e3o feitos. Dessa forma, ela consegue oferecer condi\u00e7\u00f5es mais atraentes para voc\u00ea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, ao antecipar o FGTS pela Zema voc\u00ea consegue acessar uma taxa de juros baixa a partir de 1,79% ao m\u00eas, o que \u00e9 um valor bem baixo se comparado a outras modalidades do mercado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, ao realizar a antecipa\u00e7\u00e3o, voc\u00ea pode pagar ela em at\u00e9 10 anos, sendo que ser\u00e1 descontado do seu fundo de garantia o valor da parcela do empr\u00e9stimo apenas uma vez ao ano.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, ao realizar a contrata\u00e7\u00e3o do empr\u00e9stimo, voc\u00ea consegue receber o dinheiro na sua conta em at\u00e9 1 dia \u00fatil, sendo uma op\u00e7\u00e3o de cr\u00e9dito mais r\u00e1pida.<\/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>\u0391\u03be\u03af\u03b6\u03b5\u03b9 \u03bd\u03b1 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03bf\u03c5\u03bc\u03b5 \u03c4\u03bf FGTS;<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ap\u00f3s conhecer o funcionamento e as principais caracter\u00edsticas da antecipa\u00e7\u00e3o do FGTS, muita gente j\u00e1 pode ficar animada para seguir contratando esse empr\u00e9stimo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, antes de fazer isso, \u00e9 interessante conhecer melhor os pr\u00f3s e os contras desse empr\u00e9stimo para ter a certeza de que ele \u00e9 a op\u00e7\u00e3o ideal de empr\u00e9stimo para voc\u00ea!<\/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<h3>\u039f\u03c6\u03ad\u03bb\u03b7<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entre as vantagens podemos ver que a antecipa\u00e7\u00e3o do fgts da zema consegue oferecer condi\u00e7\u00f5es atrativas e juros baixos para voc\u00ea.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, essas n\u00e3o s\u00e3o as \u00fanicas vantagens desse cr\u00e9dito. A seguir voc\u00ea conhece mais algumas caracter\u00edsticas positivas que ele possui.<\/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<h3>Dispon\u00edvel para negativados<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em primeiro lugar, ao antecipar o FGTS pela Zema, voc\u00ea tem mais chances de ser aceito mesmo estando negativado. Nessa op\u00e7\u00e3o de empr\u00e9stimo, a financeira n\u00e3o realiza consultas no SPC ou Serasa.<\/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<h3>Antecipe at\u00e9 10 anos do FGTS<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra vantagem bem interessante desse cr\u00e9dito \u00e9 que ele permite que voc\u00ea tenha at\u00e9 10 anos do seu saque-anivers\u00e1rio, o que \u00e9 um \u00f3timo prazo se considerarmos que as demais institui\u00e7\u00f5es financeiras costumam antecipar apenas 7 parcelas.<\/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<h3>Pode emprestar mais de uma vez<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, outra grande vantagem dessa modalidade de cr\u00e9dito \u00e9 que mesmo que voc\u00ea tenha um contrato de antecipa\u00e7\u00e3o do FGTS ativo, ainda assim ser\u00e1 poss\u00edvel contratar outra antecipa\u00e7\u00e3o!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aqui, s\u00f3 \u00e9 necess\u00e1rio que voc\u00ea tenha saldo dispon\u00edvel no FGTS para contratar o cr\u00e9dito mais de uma vez!<\/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<h3>\u039c\u03b5\u03b9\u03bf\u03bd\u03b5\u03ba\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Apesar dos pontos positivos, a antecipa\u00e7\u00e3o tamb\u00e9m possui um lado negativo a ser analisado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, ao antecipar o FGTS pela Zema \u00e9 importante que voc\u00ea saiba que parte do seu saldo do FGTS ficar\u00e1 bloqueado devido ao empr\u00e9stimo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A saber, isso acontece para garantir que a institui\u00e7\u00e3o financeira receber\u00e1 o valor do empr\u00e9stimo. Dessa forma, a parcela do seu saldo do FGTS equivalente ao valor do empr\u00e9stimo fica bloqueada.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, voc\u00ea n\u00e3o consegue acessar esse dinheiro para usar em outros objetivos ou em casos de emerg\u00eancia, como uma demiss\u00e3o sem justa causa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, \u00e9 importante manter essas caracter\u00edsticas em mente na hora de solicitar este cr\u00e9dito.<\/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>Como antecipar FGTS pela Zema?<\/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=\"Saiba como acessar esse empr\u00e9stimo! Fonte: Pexels.\"  id=\"76695\" src=\"https:\/\/cdn.adtechpanda.com\/3f623911-84c9-46be-b85a-b162dda69f7f\/\" 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 como acessar esse empr\u00e9stimo! 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>Em resumo, se voc\u00ea j\u00e1 analisou os pontos positivos e negativos do empr\u00e9stimo e decidiu seguir com ele, saiba que a solicita\u00e7\u00e3o dele \u00e9 muito simples de ser feita.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, tudo que voc\u00ea precisa fazer \u00e9 seguir o passo a passo indicado abaixo!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>Baixe o aplicativo do FGTS e entre na sua conta;<\/li><li>Clique na op\u00e7\u00e3o do saque-anivers\u00e1rio para adotar essa modalidade;<\/li><li>Feito isso, v\u00e1 em autorizar bancos e busque por \u201cZema Cr\u00e9dito, Financiamento e Investimento S\/A\u201d;<\/li><li>Autorize que essa financeira consulte seu FGTS ao clicar em \u201cSim\u201d;<\/li><li>Em seguida, v\u00e1 at\u00e9 o site da Zema Financeira e preencha o formul\u00e1rio no final da p\u00e1gina da antecipa\u00e7\u00e3o do FGTS.<\/li><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, ao finalizar o preenchimento do formul\u00e1rio, a institui\u00e7\u00e3o financeira vai entrar em contato com voc\u00ea para analisar sua solicita\u00e7\u00e3o e ter acesso aos seus documentos para poder aprovar o cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, ao ter o cr\u00e9dito aprovado, o dinheiro do empr\u00e9stimo vai cair na sua conta dentro de 24 horas \u00fateis!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, se quiser conhecer outros produtos financeiros da institui\u00e7\u00e3o, acesse o conte\u00fado recomendado abaixo.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-vqS49\">\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\/el\/conheca-o-emprestimo-pessoal-zema\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u0391\u03bd\u03b1\u03ba\u03b1\u03bb\u03cd\u03c8\u03c4\u03b5 \u03c4\u03bf \u03c0\u03c1\u03bf\u03c3\u03c9\u03c0\u03b9\u03ba\u03cc \u03b4\u03ac\u03bd\u03b5\u03b9\u03bf Zema\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2022\/04\/logo-zema-azul-1.png\" 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\/conheca-o-emprestimo-pessoal-zema\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u0391\u03bd\u03b1\u03ba\u03b1\u03bb\u03cd\u03c8\u03c4\u03b5 \u03c4\u03bf \u03c0\u03c1\u03bf\u03c3\u03c9\u03c0\u03b9\u03ba\u03cc \u03b4\u03ac\u03bd\u03b5\u03b9\u03bf Zema\">\n            \u0391\u03bd\u03b1\u03ba\u03b1\u03bb\u03cd\u03c8\u03c4\u03b5 \u03c4\u03bf \u03c0\u03c1\u03bf\u03c3\u03c9\u03c0\u03b9\u03ba\u03cc \u03b4\u03ac\u03bd\u03b5\u03b9\u03bf 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            Conhe\u00e7a mais sobre essa modalidade que a financeira oferece com juros reduzidos e bom prazo de pagamento!        <\/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\/conheca-o-emprestimo-pessoal-zema\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2            <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(); 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