{"id":17631,"date":"2021-03-01T21:48:29","date_gmt":"2021-03-01T21:48:29","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=17631"},"modified":"2021-03-01T21:48:32","modified_gmt":"2021-03-01T21:48:32","slug":"como-negociar-dividas-online","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/id\/como-negociar-dividas-online\/","title":{"rendered":"Cara negosiasi hutang online"},"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-livre-se-das-d%C3%ADvidas-em-2021-\"><strong>Keluar dari hutang pada tahun 2021<\/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=\"Como negociar dividas online? (Imagem: suno research)\"  id=\"17632\" src=\"https:\/\/ucarecdn.com\/e54852b2-ec9e-4454-952e-0a474fc13ad2\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara memperdagangkan utang secara online? (Gambar: penelitian suno)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Brasil adalah salah satu negara dengan jumlah mangkir tertinggi di dunia, yang merupakan masalah besar, karena secara langsung mempengaruhi perekonomian kita. Dalam hal ini, orang-orang ini sering mencari cara untuk menegosiasikan hutangnya, tetapi bagaimana cara menegosiasikan hutang secara online?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kita sudah tahu bahwa internet datang untuk membawa kemudahan dan kemudahan dalam kehidupan kita sehari-hari, dengan cara yang lebih sederhana dan tidak birokratis, tetapi tahukah Anda bahwa Anda dapat menegosiasikan hutang melalui internet?&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Hari ini, kami akan menunjukkan kepada Anda bagaimana Anda dapat melakukannya, dan memberi Anda tip untuk memiliki kehidupan keuangan yang lebih terkendali.<\/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=\"1-5-dicas-para-negociar-d%C3%ADvidas-online-\"><strong>5 tips untuk menegosiasikan utang secara online<\/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=\"Como negociar d\u00edvidas online? (Imagem: UOL)\"  id=\"17635\" src=\"https:\/\/ucarecdn.com\/67fc5537-8c91-4f50-876a-e493d62e46f6\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: UOL)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, mengetahui bahwa internet membawa kemungkinan untuk menegosiasikan hutang secara online, mari berikan beberapa tips untuk Anda melakukannya. Periksa:<\/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=\"2-analise-seu-planejamento-financeiro-\"><strong>Analisis perencanaan keuangan Anda<\/strong><\/h3>\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 negociar d\u00edvidas online? (Imagem: Terra)\"  id=\"17636\" src=\"https:\/\/ucarecdn.com\/e5682286-9f98-4e2b-ab59-b432887bc926\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: Bumi)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dan, tip pertama kami adalah agar Anda menganalisis perencanaan keuangan Anda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Itu karena, baik Anda terlilit utang atau tidak, memiliki kendali atas keuangan Anda adalah salah satu tips yang paling sering kami kutip di sini di Senhor Panda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nah, jika Anda tidak mencatat pendapatan dan pengeluaran Anda, Anda bisa lepas kendali secara finansial sehingga menimbulkan masalah besar di kemudian hari.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, buatlah spreadsheet dengan semua pengeluaran Anda, serta pendapatan bulanan Anda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Di lembar kerja ini, tuliskan sedetail mungkin, jumlah persis penghasilan Anda, seperti gaji bersih, penghasilan tambahan dan penghasilan lain, serta biaya terbuka, bunga, dan denda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Setelah membuat lembar kerja, analisis semua kemungkinan negosiasi dengan kreditur, sehingga Anda mendapatkan proposal yang terdefinisi dengan baik.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ingatlah bahwa dalam negosiasi, semakin tepat Anda dalam proposal Anda, semakin besar kemungkinan proposal itu akan diterima.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, ketahuilah dengan tepat apa saja transaksi keuangan Anda, dan bagaimana situasi keuangan Anda saat ini, sehingga Anda dapat melanjutkan negosiasi Anda.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1TdXaA\">\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\/id\/como-fazer-consulta-cpf-na-serasa\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara query CPF di Serasa\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/e9c254fc-6b90-4a13-a35b-e24f2a4264a8\/\" 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\/id\/como-fazer-consulta-cpf-na-serasa\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara query CPF di Serasa\">\n            Cara query CPF di Serasa        <\/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            Lakukan konsultasi CPF di Serasa hari ini, dan pelajari cara membersihkan nama Anda!        <\/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\/id\/como-fazer-consulta-cpf-na-serasa\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruslah Membaca            <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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(Imagem: TWW)\"  id=\"17642\" src=\"https:\/\/ucarecdn.com\/756d6fea-2078-40d5-b596-12c68c941810\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: TWW)<\/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 id=\"4-outra-dica-%C3%A9-para-que-voc%C3%AA-possa-estabelecer-um-limite-para-as-parcelas-na-hora-de-negociar-d%C3%ADvidas-online\">Tips lainnya adalah Anda harus menetapkan batas cicilan saat negosiasi utang secara online.<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Itu karena, setelah melakukan analisis perencanaan keuangan, Anda akan tahu persis berapa yang bisa Anda bayarkan setiap bulan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, jangan menunggu kreditur Anda menetapkan jumlah bulanan, karena Andalah yang mengetahui penghasilan Anda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, sangat penting untuk melakukan analisis keuangan secara detail, dan menjangkau kreditur dengan proposal tertutup.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Maka, itu akan menjadi saat yang tepat untuk menetapkan batas cicilan bulanan, dan bagi Anda untuk dapat menegosiasikan hutang Anda, karena, jika ada proposal nilai yang mungkin tidak dapat Anda bayar, keduanya akan dirugikan.<\/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-cuidado-para-n%C3%A3o-cair-em-golpe-de-empr%C3%A9stimo-para-negociar-d%C3%ADvidas-online-\"><strong>Berhati-hatilah agar tidak jatuh ke dalam penipuan pinjaman untuk menegosiasikan hutang secara online<\/strong><\/h3>\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 negociar d\u00edvidas online? (Imagem: JC Concursos)\"  id=\"17645\" src=\"https:\/\/ucarecdn.com\/702c155e-b490-4eff-a15f-8d4508807319\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: Kontes JC)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Saat menegosiasikan hutang secara online, salah satu tindakan pencegahan yang perlu Anda lakukan adalah mengenai pinjaman yang dilakukan melalui internet.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ini karena jumlah penipuan semakin meningkat di Brasil dan di dunia, terutama di dunia digital.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, saat menegosiasikan hutang Anda, pilihlah perusahaan serius yang sudah dikenal di pasar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Untuk melakukan ini, lakukan riset agar kemungkinan Anda jatuh ke dalam penipuan pinjaman keuangan berkurang.<\/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=\"6-analise-apenas-ofertas-que-caibam-no-seu-bolso-\"><strong>Tinjau hanya penawaran yang pas di saku Anda<\/strong><\/h3>\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 negociar d\u00edvidas online? (Imagem: mundo da programa\u00e7\u00e3o)\"  id=\"17648\" src=\"https:\/\/ucarecdn.com\/1a50c6f8-3209-40d5-86c5-2e5f16ca28bd\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: dunia pemrograman)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Seperti yang kami sebutkan di atas, setelah menganalisis perencanaan keuangan Anda, Anda harus memilih nilai cicilan bulanan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dan dengan demikian, Anda juga akan memiliki kendali yang lebih besar atas keuangan Anda, yang juga berarti saat memilih penawaran negosiasi terbaik.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Artinya, untuk membuat pilihan yang baik, pertama-tama harus pas di saku Anda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sebab usul yang terbaik bukanlah yang paling menguntungkan bagi kreditur, melainkan bagi debitur.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, analisis semua penawaran dengan tenang, untuk mengetahui dengan tepat mana yang merupakan penawaran terbaik untuk Anda.<\/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=\"7-pesquise-empresas-que-est%C3%A3o-aptas-para-negociar-d%C3%ADvidas-online-\"><strong>Cari perusahaan yang dapat menegosiasikan utang secara online<\/strong><\/h3>\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 negociar d\u00edvidas online? (Imagem: oficina da net)\"  id=\"17652\" src=\"https:\/\/ucarecdn.com\/4ec79b4e-a3ba-43f9-a8df-419b5fe7fb08\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: bengkel web)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dan, untuk menutup tip kami, untuk menegosiasikan hutang secara online, Anda perlu mencari perusahaan serius yang dapat bernegosiasi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Seperti yang kami sebutkan, ada banyak perusahaan penipuan, serta perusahaan yang berkomitmen pada pelanggan, jadi lakukan riset pasar Anda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dan, salah satu opsinya adalah langsung ke situs web resmi bank atau perusahaan tempat Anda memiliki debit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sejak saat itu, cukup klik tab \u201cNegocie Aqui\u201d atau \u201cMitra Resmi\u201d untuk memeriksa perusahaan mitra untuk menegosiasikan hutang secara online.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dan jika tidak menemukannya, langsung saja hubungi Pusat Bantuan dan minta informasi lebih lanjut.<\/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=\"8-5-empresas-para-negociar-d%C3%ADvidas-online\">5 perusahaan untuk menegosiasikan hutang secara online<\/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 negociar d\u00edvidas online? (Imagem: vida celular)\"  id=\"17656\" src=\"https:\/\/ucarecdn.com\/7249603f-ad6d-4698-9e70-962a871315a7\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: Kehidupan Sel)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nah, setelah melihat tips terbaiknya, yuk sekarang kenali 05 perusahaan negosiasi utang online. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Periksa:&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<h3 id=\"9-creditas-\"><strong>Kredit<\/strong><\/h3>\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 negociar d\u00edvidas online? (Imagem: creditas)\"  id=\"17658\" src=\"https:\/\/ucarecdn.com\/1d739f66-cd75-4e48-af7e-423f2e662c43\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: kredit)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Awalnya, Creditas merupakan fintech di segmen jasa keuangan yang dibuat pada 2012.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Hari ini, ini bertindak sebagai platform kredit aman online utama di Brasil.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ia juga bekerja dengan empat produk utama:&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>Pinjaman dengan jaminan properti;<\/li><li>Model pinjaman dengan jaminan kendaraan;<\/li><li>Pinjaman penggajian pribadi dan;<\/li><li>Pembiayaan kendaraan.<\/li><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kelebihan lain dari perusahaan ini adalah memungkinkan Anda untuk melakukan simulasi pulsa melalui komputer atau ponsel melalui aplikasi Whatsapp.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Penting untuk disebutkan bahwa ia tidak meminta pembayaran di muka dalam modalitas kreditnya.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nah, ini salah satu modalitas yang dilarang Bank Sentral, demi keamanan konsumen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Namun, selain rutinitas keamanan, ia memiliki enkripsi, tidak mengizinkan pencegat untuk mengakses data konsumen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, kami tidak dapat tidak menyebutkan Creditas, karena saat ini ada di pasaran, salah satu opsi terbaik untuk menegosiasikan hutang secara online.<\/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=\"10-lendico-\">legendaris <\/h3>\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 negociar d\u00edvidas online? (Imagem: lendico)\"  id=\"17660\" src=\"https:\/\/ucarecdn.com\/ad385053-be70-46ff-8227-7924109c59b2\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: legendaris)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pilihan perusahaan lain untuk menegosiasikan hutang secara online adalah Lendico, salah satu yang terbaik di segmen pinjaman keuangan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pada tahun 2005, Lendico diciptakan untuk menawarkan kepada pelanggan solusi terbaik untuk menyelesaikan hutang, dengan tarif terendah.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, di platform ini, konsumen dapat meminjam dari R$2500 hingga R$50.000 untuk melunasi utangnya.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, jika Anda menginginkan satu opsi lagi untuk menegosiasikan utang, Lendico adalah yang terbaik.<\/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=\"11-acordo-certo-\">Kesepakatan yang Benar <\/h3>\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 negociar d\u00edvidas online? (Imagem: acordo certo)\"  id=\"17664\" src=\"https:\/\/ucarecdn.com\/239d2032-6ab5-4c2b-b13f-d2d92739bd3c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: kesepakatan yang tepat)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Perusahaan lain untuk menegosiasikan utang adalah Accord Certo, yang beroperasi di segmen negosiasi ulang utang secara online.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, ia bertindak sebagai perantara antara konsumen dan perusahaan yang memiliki hutang keuangan dengannya.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Artinya, melalui Right Agreement, konsumen mendapatkan diskon hingga 90% atas total utangnya.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, prosesnya sepenuhnya online, dengan semua keamanan dan perlindungan data konsumen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Di antara perusahaan mitra Accord Certo adalah:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>Jernih;<\/li><li>Sinterklas;<\/li><li>Pelabuhan yang aman;<\/li><li>toko Pernambuco;<\/li><li>Itau;<\/li><li>BV keuangan;<\/li><li>Unic;<\/li><li>toko Renner;<\/li><li>HIDUP;<\/li><li>Casas Bahia, dan banyak lainnya.<\/li><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, ini adalah satu opsi lagi bagi perusahaan yang membantu pelanggan menegosiasikan utang mereka, melunasi utang, dan membersihkan nama mereka.<\/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=\"12-quite-j%C3%A1\">berhenti sekarang<\/h3>\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 negociar d\u00edvidas online? (Imagem: quitej\u00e1)\"  id=\"17666\" src=\"https:\/\/ucarecdn.com\/76f47c63-abd8-4a4b-9ccb-5ae66dc406d6\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: quitj\u00e1)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dan, perusahaan keempat kami untuk negosiasi ulang utang adalah SimplyJ\u00e1.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Perusahaan ini 100% digital dan online, yaitu semua negosiasi antara konsumen dan perusahaan dilakukan melalui internet.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, ini adalah model yang menghadirkan lebih banyak kemudahan dan kemudahan bagi pelanggan, selain keamanan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Artinya, semua kesepakatan dilakukan melalui website, dan pelanggan menerima SMS atau email tentang proposal yang tersedia.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, QuietJ\u00e1 menjadi pilihan lain bagi perusahaan di segmen yang memberikan keamanan kepada pelanggan saat menegosiasikan hutang.<\/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=\"13-serasa-ecred-\"><strong>Serasa Ecred<\/strong><\/h3>\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 negociar d\u00edvidas online? (Imagem: serasa ecred)\"  id=\"17669\" src=\"https:\/\/ucarecdn.com\/65b10224-b7fc-4fdc-b7e9-6e0452a67060\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: serasa ecred)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dan terakhir, mari kita bicara tentang Serasa eCred.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pasar pulsa ini adalah semacam pusat perbelanjaan virtual untuk penawaran negosiasi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pasalnya, ada beberapa tawaran pinjaman dan kartu kredit dari beberapa perusahaan rekanan yang mencari solusi terbaik bagi nasabah.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, perusahaan lain di segmen ini yang berupaya menawarkan proposal kredit terbaik.<\/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=\"14-quais-s%C3%A3o-as-vantagens-em-negociar-d%C3%ADvidas-online\">Apa keuntungan dari negosiasi utang secara online?<\/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 negociar d\u00edvidas online? (Imagem:\u00a0 G1- Globo)\"  id=\"17675\" src=\"https:\/\/ucarecdn.com\/3c868d32-24b8-4a5c-86a4-65722346a076\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: G1- Globo)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ada banyak keuntungan dalam menegosiasikan hutang yang belum dibayar, tetapi menegosiasikan hutang secara online juga membawa keuntungan lain seperti:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>Kecepatan dan kenyamanan: Semua negosiasi dilakukan tanpa Anda harus pergi ke perusahaan, dapat melakukannya dengan nyaman di rumah Anda;<\/li><li>Keamanan transaksi: Perusahaan tepercaya di pasar mengikuti standar keamanan yang direkomendasikan untuk melindungi data dan informasi Anda;<\/li><li>Fleksibilitas: Ini memungkinkan fleksibilitas jadwal yang lebih besar, karena semuanya akan dilakukan secara digital, tersedia 24 jam sehari.<\/li><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, ini hanyalah beberapa keuntungan dari negosiasi hutang melalui internet.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZoJyLm\">\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\/id\/como-fazer-consulta-nome-sujo\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Bagaimana Anda bisa menanyakan nama Anda?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ba350723-85f9-47a1-8aea-e03539851df5\/\" 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\/id\/como-fazer-consulta-nome-sujo\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Bagaimana Anda bisa menanyakan nama Anda?\">\n            Bagaimana Anda bisa menanyakan nama Anda?        <\/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            Belajarlah untuk melihat apakah nama Anda kotor!        <\/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\/id\/como-fazer-consulta-nome-sujo\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruslah Membaca            <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            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\/id\/como-fazer-consulta-nome-sujo\/\"  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\/ba350723-85f9-47a1-8aea-e03539851df5\/\">          \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                Bagaimana Anda bisa menanyakan nama Anda?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/como-fazer-consulta-nome-sujo\/\"  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                    Teruslah Membaca                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan tetap berada di situs web yang sama              <\/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 id=\"15-qual-d%C3%ADvida-devo-negociar-primeiro-\"><strong>Utang mana yang harus saya negosiasikan terlebih dahulu?<\/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=\"Como negociar d\u00edvidas online? (Imagem: BV)\"  id=\"17679\" src=\"https:\/\/ucarecdn.com\/a53933d1-3a95-4dd8-b44c-f9dec8536c5a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: BV)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ini adalah pertanyaan yang sangat sering ditanyakan oleh para debitur: Jika saya memiliki lebih dari satu tunggakan, mana yang harus saya prioritaskan?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi mari kita pahami, pertama-tama, bahwa utang yang akan diprioritaskan belum tentu yang nilainya paling tinggi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sebab, utang yang harus diprioritaskan adalah yang bunganya paling tinggi, misalnya kredit bergulir kartu kredit dan cerukan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, saat memilih utang untuk dinegosiasikan ulang, perhatikan bunga dan denda yang timbul karenanya, lalu tentukan pilihan Anda.<\/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=\"16-quais-s%C3%A3o-as-vantagens-em-se-negociar-uma-d%C3%ADvida\">Apa keuntungan dari negosiasi hutang?<\/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 negociar d\u00edvidas online? (Imagem: educonsing)\"  id=\"17695\" src=\"https:\/\/ucarecdn.com\/48872d08-da68-44af-bddb-7ea0e6217826\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: pendidikan)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kami telah menyebutkan keuntungan menegosiasikan hutang secara online, tetapi apa keuntungan dari menegosiasikan hutang? Periksa:<\/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=\"17-redu%C3%A7%C3%A3o-de-juros-\">Pengurangan Bunga <\/h3>\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 negociar d\u00edvidas online? (Imagem: agilcob)\"  id=\"17687\" src=\"https:\/\/ucarecdn.com\/d1f8613c-055f-44a2-8e09-039d155361c6\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: agilcob)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dan, keuntungan pertama dalam renegosiasi utang adalah pengurangan bunga dan biaya lain dalam pembayarannya.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Itu karena sebagian besar hutang yang terlambat menimbulkan bunga dan denda, membawa lebih banyak masalah bagi debitur.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Namun, saat negosiasi ulang, tarif ini cenderung turun drastis, yang merupakan keuntungan besar bagi para debitur tersebut.<\/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=\"18-a-d%C3%ADvida-fica-est%C3%A1vel\">Utangnya stabil<\/h3>\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 negociar d\u00edvidas online? (Imagem: simone gon\u00e7alves)\"  id=\"17690\" src=\"https:\/\/ucarecdn.com\/dae5468f-e21a-41a0-be8c-18294db23036\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: simone gon\u00e7alves)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Keuntungan lain dalam menegosiasi ulang hutang adalah hutang berhenti tumbuh, menjadi stabil.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Demikian pula, bunga dan denda keterlambatan juga dihentikan, karena alasan utama keberadaannya adalah tidak terbayarnya hutang.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Artinya, tidak ada jumlah lain yang akan ditambahkan ke jumlah yang telah Anda bayarkan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, negosiasi ulang hutang menyebabkannya kehilangan ketidakstabilan hutang yang jatuh tempo.<\/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=\"19-organiza%C3%A7%C3%A3o-financeira\">organisasi keuangan<\/h3>\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 negociar d\u00edvidas online? (Imagem: remo incorporadora)\"  id=\"17697\" src=\"https:\/\/ucarecdn.com\/192f8c5a-27b4-47c1-9ad1-57e56dd28fc8\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Bagaimana cara menegosiasikan hutang secara online? (Gambar: dayung penggabung)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Keuntungan lain dalam menegosiasikan kembali hutang yang jatuh tempo adalah pengaturan keuangan dari semua hutang Anda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sebab, begitu utang dilunasi, proses penataan keuangan juga menjadi lebih mudah.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, melunasi utang adalah proses yang meski sedikit rumit, namun akan sepadan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Saat menegosiasikan hutang Anda, ingatlah untuk selalu membawa spreadsheet dengan Anda dengan semua hutang Anda yang telah jatuh tempo, untuk mengetahui dengan tepat mana yang sedang dilunasi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ini karena, jika Anda gagal membayar hutang, membayar hutang yang bisa menunggu sedikit lebih lama, Anda bisa mengalami kerugian.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi menjaga semua transaksi keuangan Anda adalah alternatif terbaik untuk menjaga kehidupan keuangan yang teratur.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, menegosiasikan hutang secara online adalah cara yang lebih sederhana bagi Anda untuk menyelesaikan semua masalah keuangan Anda.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2j0l3q\">\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\/id\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Apa itu cadangan darurat?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/3cca720c-e147-462a-9399-8a18dd25fc4c\/\" 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\/id\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Apa itu cadangan darurat?\">\n            Apa itu cadangan darurat?        <\/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            Apakah Anda memiliki cadangan darurat? Jadi, Anda perlu mengetahui pentingnya hal itu, dan jadikan milik Anda mulai HARI INI!        <\/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\/id\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruslah Membaca            <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 ? 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