{"id":26769,"date":"2021-08-05T12:00:00","date_gmt":"2021-08-05T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=26769"},"modified":"2021-08-04T14:56:19","modified_gmt":"2021-08-04T14:56:19","slug":"conheca-o-credito-caixa-construcard","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/conheca-o-credito-caixa-construcard\/","title":{"rendered":"D\u00e9couvrez le cr\u00e9dit Caixa Construcard"},"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=\"0-caixa-construcard-at%C3%A9-240-meses-para-pagar\">Caixa Construcard: at\u00e9 240 meses para pagar<\/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=\"Cart\u00e3o Construcard. Fonte: Caixa.\"  id=\"27178\" src=\"https:\/\/ucarecdn.com\/a8eb2255-293e-428c-943b-7197f6565c6a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Construcard. Fonte: Caixa.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O cr\u00e9dito Caixa Construcard pode te possibilitar a realizar o sonho de fazer aquela reforma ou come\u00e7ar a sua constru\u00e7\u00e3o. Com ele, voc\u00ea consegue financiar a compra do material de constru\u00e7\u00e3o necess\u00e1rio para sua obra.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1mj3yT\">\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:\/\/quiz.senhorpanda.com\/cartao-de-credito-00501\" rel=\"sponsored\" data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Quiz de cart\u00e3o\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/0957fee5-6cf8-457e-b8c8-5ef698b4ec27\/\" 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:\/\/quiz.senhorpanda.com\/cartao-de-credito-00501\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Quiz de cart\u00e3o\">\n            Quiz de cart\u00e3o        <\/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            Est\u00e1 em d\u00favida de qual cart\u00e3o \u00e9 o ideal para voc\u00ea? Ent\u00e3o, fa\u00e7a nosso quiz e descubra! Confira aqui!        <\/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:\/\/quiz.senhorpanda.com\/cartao-de-credito-00501\" rel=\"sponsored\" data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <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: Pexels.\"  id=\"27180\" src=\"https:\/\/ucarecdn.com\/e981999c-2253-4025-ab37-8d0afb39cc36\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mas, afinal, como funciona o cart\u00e3o Construcard. 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>A princ\u00edpio, o cart\u00e3o Construcard da Caixa funciona como uma linha de cr\u00e9dito. Ele \u00e9 como um financiamento para compra de materiais de constru\u00e7\u00e3o em lojas credenciadas pela Caixa para viabilizar a sua obra.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, ao adquirir o cart\u00e3o voc\u00ea tem de dois a seis meses para realizar a compra de tudo o que precisa para sua constru\u00e7\u00e3o ou reforma. Com ele \u00e9 poss\u00edvel comprar todo tipo de materiais de constru\u00e7\u00e3o, como tijolos, tintas, esquadrias, pisos, telhas, ilumina\u00e7\u00e3o, arm\u00e1rios planejados, aquecedores, aparelhos de energia solar, piscinas, entre outros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, a utiliza\u00e7\u00e3o do cart\u00e3o Construcard \u00e9 feita em duas etapas. A primeira consiste em utilizar o saldo do cart\u00e3o acordado ao contratar o financiamento, o que deve ocorrer em at\u00e9 seis meses. Nesta etapa o cliente paga somente os juros das compras realizadas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>J\u00e1 a segunda etapa consiste no pagamento do saldo devedor ou amortiza\u00e7\u00e3o. Esta fase pode variar de 1 a 240 meses de acordo com o contrato assinado previamente. Ademais, o pagamento ser\u00e1 realizado mensalmente atrav\u00e9s de d\u00e9bito em conta corrente at\u00e9 a quita\u00e7\u00e3o do financiamento. Lembrando que esta etapa se inicia somente depois que o prazo de compras estiver finalizado.<\/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 id=\"2-qual-o-limite-do-cr%C3%A9dito-caixa-construcard\">Qual o limite do cr\u00e9dito Caixa Construcard?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse sentido, o limite do cr\u00e9dito Caixa Construcard \u00e9 de acordo com a an\u00e1lise de cr\u00e9dito feita pela ag\u00eancia da Caixa. Portanto, n\u00e3o h\u00e1 limite m\u00e1ximo definido, e cada cliente dever\u00e1 ser analisado previamente para realiza\u00e7\u00e3o de pesquisa cadastral e an\u00e1lise de risco de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Depois, caso a solicita\u00e7\u00e3o seja aprovada, voc\u00ea deve assinar o contrato do servi\u00e7o e aguardar a chegada do seu cart\u00e3o Construcard que pode chegar na ag\u00eancia ou na sua resid\u00eancia, \u00e0 sua escolha.<\/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 id=\"3-cr%C3%A9dito-caixa-construcard-vale-a-pena\">Cr\u00e9dito Caixa Construcard vale a pena?<\/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=\"Mas, afinal, quais as vantagens do cart\u00e3o Construcard. Fonte: Pexels.\"  id=\"27181\" src=\"https:\/\/ucarecdn.com\/53aefb40-bbba-452e-bed3-9a1bfb5dedeb\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mas, afinal, quais as vantagens do cart\u00e3o Construcard. 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>Agora que voc\u00ea conhece um pouco mais como funciona o cart\u00e3o Construcard da Caixa, veja abaixo algumas vantagens e desvantagens de se obter este cart\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<h3 id=\"4-vantagens\">Avantages<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Certamente o cart\u00e3o Caixa Construcard \u00e9 muito pr\u00e1tico, j\u00e1 que depois de aprovado ser\u00e1 utilizado como um cart\u00e3o de d\u00e9bito. Ou seja, voc\u00ea realiza suas compras sem burocracia.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, a rede de lojas credenciadas pela Caixa \u00e9 bastante extensa e voc\u00ea tem muitas op\u00e7\u00f5es na hora de comprar seu material de constru\u00e7\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda mais, o cart\u00e3o tamb\u00e9m tem algumas condi\u00e7\u00f5es especiais caso voc\u00ea apresente garantias de pagamento (como aliena\u00e7\u00e3o fiduci\u00e1ria de bens e im\u00f3veis). Com isso voc\u00ea pode conseguir melhores condi\u00e7\u00f5es ao fazer seu financiamento.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Do mesmo modo, ainda conta com prazos bastante flex\u00edveis para o pagamento da d\u00edvida, que pode ser de 1 a 240 meses (20 anos).<\/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 id=\"5-desvantagens\">D\u00e9savantages<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, existem algumas desvantagens quando se trata do cr\u00e9dito Caixa Construcard. Por exemplo, voc\u00ea n\u00e3o pode pagar qualquer outra d\u00edvida de constru\u00e7\u00e3o utilizando o cart\u00e3o. Ele cobre exclusivamente insumos de constru\u00e7\u00e3o e reforma.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, voc\u00ea s\u00f3 pode utilizar o saldo para a compra de materiais. Ou seja, n\u00e3o \u00e9 poss\u00edvel pagar a m\u00e3o de obra ou m\u00f3veis n\u00e3o planejados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, n\u00e3o s\u00e3o todos os estabelecimentos que s\u00e3o credenciados a Caixa. Neste caso, voc\u00ea fica impossibilitado de utilizar o cart\u00e3o nestas lojas.<\/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 id=\"6-como-fazer-um-cart%C3%A3o-construcard\">Como fazer um cart\u00e3o Construcard?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, para solicitar um cart\u00e3o Construcard \u00e9 necess\u00e1rio cumprir alguns pr\u00e9-requisitos da Caixa. Voc\u00ea deve ser maior de 18 anos ou emancipado, possuir conta na Caixa e ser aprovado na avalia\u00e7\u00e3o de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Caso voc\u00ea cumpra com estes pr\u00e9-requisitos, deve se apresentar a uma ag\u00eancia da Caixa com os documentos necess\u00e1rios para realizar a avalia\u00e7\u00e3o de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ficou interessado e quer saber como solicitar o cr\u00e9dito Caixa Construcard? Ent\u00e3o, clique aqui que a gente te ajuda!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z7xN6e\">\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\/fr\/como-solicitar-o-credito-para-construcao-construcard\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar cr\u00e9dito para constru\u00e7\u00e3o Construcard\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ec55a75a-9bf4-4adb-bb0c-7e8c4e15ecc7\/\" 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\/fr\/como-solicitar-o-credito-para-construcao-construcard\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar cr\u00e9dito para constru\u00e7\u00e3o Construcard\">\n            Como solicitar cr\u00e9dito para constru\u00e7\u00e3o Construcard        <\/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            O cr\u00e9dito Construcard Caixa te ajuda na hora de comprar os materiais de constru\u00e7\u00e3o para sua reforma. 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Isso porque ele oferece muitas vantagens, como o prazo de pagamento em at\u00e9 240 meses (sujeito a an\u00e1lise de cr\u00e9dito). Conhe\u00e7a mais aqui!<\/p>","protected":false},"author":21,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1337],"tags":[202,1338,1308,712],"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>Conhe\u00e7a o Cr\u00e9dito Caixa Construcard - Senhor Panda<\/title>\n<meta name=\"description\" content=\"O cr\u00e9dito Caixa Construcard \u00e9 uma \u00f3tima op\u00e7\u00e3o para financiamento de materiais de constru\u00e7\u00e3o para a sua obra. 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