{"id":53339,"date":"2022-03-15T12:01:00","date_gmt":"2022-03-15T12:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=53339"},"modified":"2022-03-15T13:10:26","modified_gmt":"2022-03-15T13:10:26","slug":"crediario","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/es\/crediario\/","title":{"rendered":"Credi\u00e1rio: c\u00f3mo funciona la modalidad de cr\u00e9dito"},"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><strong>Conoce todo sobre la tarjeta de cr\u00e9dito y no caigas en trampas<\/strong><\/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=\"Entenda como funciona os credi\u00e1rios, suas vantagens e desvantagens. Fonte: Adobe Stock.\"  id=\"53340\" src=\"https:\/\/cdn.adtechpanda.com\/15604687-96b1-4a76-b3ef-faf7eb75e076\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Comprende c\u00f3mo funcionan las tarjetas de cr\u00e9dito, sus ventajas y desventajas. Fuente: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>el plan de cuotas<strong> <\/strong>ya ha sido una forma de financiaci\u00f3n que la gente usaba mucho en a\u00f1os anteriores. Sin embargo, perdi\u00f3 fuerza debido a la facilidad en los tiempos actuales para conseguir tarjetas y servicios de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, muchas personas consideran este tipo de cr\u00e9dito como una opci\u00f3n atractiva para obtener bienes y servicios de diversa \u00edndole y en diversos establecimientos. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Eso es porque muchas tiendas y bancos a\u00fan practican este financiamiento. Ya sea garantizado, propio o financiado. Pero no te preocupes, hablaremos de ello en los siguientes temas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De todos modos, independientemente del tipo de servicio de cr\u00e9dito que quieras elegir, es fundamental analizar todas las opciones para saber si realmente vale la pena solicitarlo y no caer en trampas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00a1As\u00ed que venga y aprenda m\u00e1s sobre el plan de cuotas y todos los detalles sobre c\u00f3mo funciona en la pr\u00e1ctica!<\/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>\u00bfQu\u00e9 es el cr\u00e9dito y c\u00f3mo funciona?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como su nombre ya lo dice, la tarjeta de cr\u00e9dito<strong> <\/strong>es un servicio de financiaci\u00f3n de diversos bienes y servicios. A trav\u00e9s de \u00e9l, la persona realiza el an\u00e1lisis crediticio para ser aprobado durante la solicitud. Si se aprueba, pagar\u00e1s las cuotas de la financiaci\u00f3n que realizaste.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es decir, es muy similar a un pr\u00e9stamo, pero no pedimos cantidades en efectivo, sino diferentes bienes y servicios. Recordando tambi\u00e9n que las cuotas son fijas. Es decir, cuando hacemos nuestro plan de cuotas, tenemos todos los detalles de las cantidades que pagaremos y las tarifas que se agregar\u00e1n a estas cuotas.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Zwqwde\">\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\/es\/conheca-o-crediario-bradesco-reforma\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Conozca la tarjeta de cr\u00e9dito Bradesco Reforma de Im\u00f3veis\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/8033ddd6-c72e-4a09-8db1-1ce39397fbec\/\" 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\/es\/conheca-o-crediario-bradesco-reforma\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Conozca la tarjeta de cr\u00e9dito Bradesco Reforma de Im\u00f3veis\">\n            Conozca la tarjeta de cr\u00e9dito Bradesco Reforma de Im\u00f3veis        <\/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            \u00bfEst\u00e1s pensando en renovar tu propiedad y no tienes cr\u00e9dito en tu tarjeta? Obtenga m\u00e1s informaci\u00f3n sobre la tarjeta de cr\u00e9dito de Bradesco.        <\/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\/es\/conheca-o-crediario-bradesco-reforma\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Sigue leyendo            <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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Fonte: Adobe Stock.\"  id=\"53341\" src=\"https:\/\/cdn.adtechpanda.com\/75bbcb4c-0380-450e-a211-02fd4cb29252\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Despu\u00e9s de todo, \u00bfcu\u00e1les son las ventajas y desventajas de una tarjeta de cr\u00e9dito? Fuente: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><!--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>Beneficios<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Una de las ventajas que ofrece este tipo de financiaci\u00f3n a los solicitantes es la posibilidad de pagar en varios plazos. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De esta forma, la persona que no tenga la posibilidad de adquirir un bien o servicio con pago de contado, podr\u00e1 realizar el abono.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, existen algunas empresas y establecimientos que brindan financiamiento en l\u00ednea para facilitar y brindar a\u00fan m\u00e1s comodidad a los clientes.<\/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>Desventajas<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como podemos ver en el tema anterior, el n\u00famero de parcelas que tenemos a nuestra disposici\u00f3n suele ser bastante elevado. Sin embargo, esto no es del todo un punto a favor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es decir, el elevado n\u00famero de cuotas provoca un alt\u00edsimo \u00edndice de endeudamiento por parte de los clientes que solicitan planes de cuotas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, las tasas de inter\u00e9s que cobran las cuotas son altas. Mientras que las tarjetas de cr\u00e9dito, por ejemplo, suelen cobrar tus compras sin intereses.<\/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>\u00bfCu\u00e1les son los tipos de acreedores existentes?<\/h2>\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>garantizado<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La modalidad de tarjeta de cr\u00e9dito garantizada ocurre cuando la tienda renuncia a una serie de responsabilidades y transfiere todo esto a un administrador espec\u00edfico.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En este sentido, el administrador gestionar\u00e1 todo el proceso de liberaci\u00f3n del cr\u00e9dito solicitado y tambi\u00e9n en cuanto a los pagos y cobros a los morosos.<\/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>Propio<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Casi lo contrario de garantizado. Por tanto, en este caso, la tienda asume todos los riesgos en relaci\u00f3n con el impago de las cantidades solicitadas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es decir, es responsable de todos los tr\u00e1mites de liberaci\u00f3n y cobro de las cuotas estipuladas por ambas partes. En consecuencia, todo el tr\u00e1mite por parte del solicitante tambi\u00e9n se realiza en la tienda.<\/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>financiado<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La financiaci\u00f3n es mucho m\u00e1s segura para la tienda, en la que obtiene capital de una instituci\u00f3n que recibir\u00e1 el pago de las cuotas directamente del solicitante.<\/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>\u00bfC\u00f3mo contratar este tipo de cr\u00e9dito?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Primero debemos entender que existen algunos lugares que ofrecen este tipo espec\u00edfico de cr\u00e9dito. Es decir, algunos bancos, entidades financieras o incluso la propia tienda donde queremos comprar el producto a financiar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, el an\u00e1lisis y negociaci\u00f3n durante la solicitud del plan de cuotas es diferente para cada instituci\u00f3n. Sin embargo, cada uno de ellos requiere una serie de documentos. Mira cu\u00e1les son:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Documento oficial con foto (RG, pasaporte o CNH);<\/li><li>Registro de Contribuyentes Individuales (CPF);<\/li><li>Comprobante de domicilio;<\/li><li>Comprobante de ingresos (tarjeta de trabajo, extracto bancario o recibo de sueldo);<\/li><li>Dos tel\u00e9fonos de contacto.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aunque se requieren todos estos documentos, el tr\u00e1mite en algunos lugares se puede hacer en l\u00ednea o en persona. As\u00ed que elige la mejor opci\u00f3n. Recordando que debemos enviar toda la documentaci\u00f3n correctamente. Despu\u00e9s de eso, solo espere el proceso de revisi\u00f3n y aprobaci\u00f3n.<\/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>\u00bfQui\u00e9n es negativo puede contratar?<\/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=\"Como em qualquer outra modalidade de cr\u00e9dito, pode ser dif\u00edcil para negativados conseguir aprova\u00e7\u00e3o de um credi\u00e1rio. Por\u00e9m, n\u00e3o \u00e9 imposs\u00edvel. Fonte: Adobe Stock.\"  id=\"53342\" src=\"https:\/\/cdn.adtechpanda.com\/b61786ff-b938-4f53-8668-5c42f156af03\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Al igual que con cualquier otro tipo de cr\u00e9dito, puede ser dif\u00edcil para los acreedores negativos obtener la aprobaci\u00f3n de una tarjeta de cr\u00e9dito. Sin embargo, no es imposible. Fuente: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como podemos ver anteriormente, el plan de cuotas es un tipo de financiamiento para productos y bienes de diferentes segmentos. Es decir, no es un valor o saldo retirado de la instituci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, los negativos s\u00ed podr\u00e1n solicitar este tipo de financiaci\u00f3n. Sin embargo, pueden experimentar m\u00e1s dificultades durante la solicitud, as\u00ed como con otros servicios de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, como varias tiendas y establecimientos trabajan con este tipo de financiaci\u00f3n, es posible encontrar aquellos que ofrecen condiciones m\u00e1s favorables para los negativos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En otras palabras, es dif\u00edcil, pero no imposible. Principalmente en los casos en los que solicitamos financiaci\u00f3n con importes menores y menos cuotas a pagar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De todos modos, pero \u00bfrealmente vale la pena pedir un credi\u00e1rio? \u00a1Ya veremos!<\/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>\u00bfCu\u00e1ndo vale la pena una tarjeta de cr\u00e9dito?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para determinar correctamente si merece la pena o no solicitar la tarjeta de cr\u00e9dito, primero debemos analizar las opciones de las que disponemos. Al fin y al cabo, este tipo de financiaci\u00f3n tiene ventajas y desventajas como cualquier otra.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por tanto, hay que analizar qu\u00e9 queremos con la financiaci\u00f3n y si hay mejores formas de conseguirlo. Si llegamos a la conclusi\u00f3n de que esta modalidad es mejor para la situaci\u00f3n actual, procederemos al an\u00e1lisis.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En otras palabras, haz un plan financiero que te permita solicitar un cr\u00e9dito sin interferir negativamente en tus ingresos. De esta forma, evitas situaciones de incumplimiento. \u00a1Con eso, el credi\u00e1rio podr\u00eda valer la pena!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ahora que ya sabes c\u00f3mo solicitar un plan de cuotas, sus ventajas y desventajas, comprende que administrar tus finanzas requiere control. Para ello, nada mejor que unas buenas apps para controlar las finanzas. Por lo tanto, acceda a nuestro contenido recomendado a continuaci\u00f3n y obtenga m\u00e1s informaci\u00f3n para no caer en deudas innecesarias.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-17JCzi\">\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\/es\/aplicativos-para-controlar-financas\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Las mejores apps para controlar tus finanzas\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6293f121-0335-4c41-9841-05694d944187\/\" 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\/es\/aplicativos-para-controlar-financas\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Las mejores apps para controlar tus finanzas\">\n            Las mejores apps para controlar tus finanzas        <\/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            Cuida tus finanzas con las mejores apps del mercado. \u00a1Accede a nuestro contenido y aprende m\u00e1s!        <\/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\/es\/aplicativos-para-controlar-financas\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Sigue leyendo            <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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Al fin y al cabo, \u00bfqui\u00e9n nunca compr\u00f3 a plazos esa so\u00f1ada tele innumerables veces a plazos? Consulta aqu\u00ed m\u00e1s informaci\u00f3n sobre c\u00f3mo funciona este tipo de cr\u00e9dito, sus ventajas y desventajas.<\/p>","protected":false},"author":29,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[29,38],"tags":[3242,3238,3246,3245,3244,3240,3243,3237,3241,3239],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credi\u00e1rio: como funciona a modalidade de cr\u00e9dito - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Descubra tudo sobre o credi\u00e1rio e como esse financiamento funciona, al\u00e9m de todas as suas vantagens e desvantagens. 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