{"id":48122,"date":"2022-01-18T12:00:00","date_gmt":"2022-01-18T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=48122"},"modified":"2022-01-18T12:01:15","modified_gmt":"2022-01-18T12:01:15","slug":"balaroti-ou-creditas-reforma","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/id\/balaroti-ou-creditas-reforma\/","title":{"rendered":"Pembiayaan Balaroti atau Pembiayaan Creditas Reforma: mana yang lebih baik?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Balaroti x Creditas Reforma: descubra qual escolher<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Fazer a obra na sua casa pode ser um sonho realizado. Veja op\u00e7\u00f5es de financiamento! Fonte: Pexels.\"  id=\"48124\" src=\"https:\/\/cdn.adtechpanda.com\/b905fd6f-9ef3-4807-ac64-e1822efe1eaa\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Fazer a obra na sua casa pode ser um sonho realizado. Veja op\u00e7\u00f5es de financiamento! 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>Reformar a casa costuma estar sempre estar nos planos das pessoas. No entanto, para isso sempre \u00e9 preciso planejamento e dinheiro. Afinal, qualquer obra acaba tendo imprevistos e fica mais cara do que voc\u00ea imagina. Por essa raz\u00e3o, existem diversos financiamentos espec\u00edficos para quem quer reformar a casa. No artigo de hoje, vamos te ajudar a escolher entre financiamento Balaroti ou financiamento Creditas Reforma.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O financiamento Balaroti \u00e9 espec\u00edfico da pr\u00f3pria rede de lojas. Dessa forma, oferece condi\u00e7\u00f5es especiais aos clientes que compram na Balaroti. J\u00e1 o Creditas Reforma, tem o financiamento em forma de dinheiro mesmo. Assim, voc\u00ea consegue escolher os melhores fornecedores para sua obra. No fim, os dois possuem vantagens e desvantagens. Continue a leitura e descubra o melhor para voc\u00ea!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1GcoM9\">\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-solicitar-o-credito-creditas-reforma\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kredit Creditas Reforma\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/87ca1986-544d-498c-a700-a1405014fc0d\/\" 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-solicitar-o-credito-creditas-reforma\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kredit Creditas Reforma\">\n            Cara mengajukan kredit Creditas Reforma        <\/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            Veja como solicitar o financiamento Creditas Reforma e comece j\u00e1 sua obra!        <\/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-solicitar-o-credito-creditas-reforma\/\"  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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Confira!        <\/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-solicitar-o-financiamento-para-construcao-balaroti\/\"  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-solicitar-o-financiamento-para-construcao-balaroti\/\"  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\/5ae59ac7-cc66-4421-bb2e-9d71ba1d392b\/\">          \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                Cara mengajukan pembiayaan Balaroti              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/como-solicitar-o-financiamento-para-construcao-balaroti\/\"  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><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Balaroti<\/strong><\/td><td><strong>Reformasi Kredit<\/strong><\/td><\/tr><tr><td><strong>Penghasilan Minimal<\/strong><\/td><td>tidak diberitahu<\/td><td>tidak diberitahu<\/td><\/tr><tr><td><strong>Suku bunga<\/strong><\/td><td>tidak diberitahu<\/td><td>Com im\u00f3vel de garantia: a partir de 0,89% ao m\u00eas + IPCA<br>Dengan garansi kendaraan: mulai 0,99% per bulan<\/td><\/tr><tr><td><strong>Batas waktu untuk membayar<\/strong><\/td><td>Hingga 36 bulan<\/td><td>Tergantung pada sewanya<\/td><\/tr><tr><td><strong>periode rilis<\/strong><\/td><td>Setelah analisis kredit<\/td><td>Setelah penandatanganan kontrak<\/td><\/tr><tr><td><strong>Jumlah Pembiayaan<\/strong><\/td><td>Tergantung pada batas yang dirilis<\/td><td>Dengan properti agunan: dari R$30 ribu hingga R$3 juta<br>Dengan kendaraan bergaransi: dari R$5 ribu hingga R$150 ribu<\/td><\/tr><tr><td><strong>Apakah Anda menerima yang negatif?<\/strong><\/td><td>TIDAK<\/td><td>TIDAK<\/td><\/tr><\/tbody><\/table><figcaption>Karakteristik kredit<\/figcaption><\/figure>\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>Balaroti Pembiayaan<\/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=\"O financiamento Balaroti \u00e9 um cart\u00e3o em parceria com a Cetelem. Fonte: Balaroti.\"  id=\"48125\" src=\"https:\/\/cdn.adtechpanda.com\/2955590e-daa9-4b2b-9b94-93afe9e7f3b0\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >O financiamento Balaroti \u00e9 um cart\u00e3o em parceria com a Cetelem. Fonte: Balaroti.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A Balaroti \u00e9 uma rede de lojas de constru\u00e7\u00e3o com estabelecimentos espalhados por diversos estados do Brasil. A empresa \u00e9 uma das l\u00edderes do mercado em termos de constru\u00e7\u00e3o civil. As lojas vendem materiais de constru\u00e7\u00e3o, hidr\u00e1ulica, decora\u00e7\u00e3o, climatiza\u00e7\u00e3o e muitos outros itens. O seu financiamento para reforma \u00e9, na verdade, um cart\u00e3o de cr\u00e9dito. Nesse sentido, esse cart\u00e3o \u00e9 utilizado nas compras na Balaroti com descontos e condi\u00e7\u00f5es especiais.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entretanto, o cart\u00e3o tamb\u00e9m pode ser utilizado normalmente em outros estabelecimentos. Isso porque o produto \u00e9 uma parceria com o Banco Cetelem. Dessa forma, voc\u00ea pode usar o cart\u00e3o em qualquer loja Balaroti e tamb\u00e9m em qualquer estabelecimento que aceite a bandeira Mastercard ou Visa.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Uma coisa boa \u00e9 que o cart\u00e3o pode ser gerenciado pelo aplicativo do Banco Cetelem. No entanto, ainda n\u00e3o \u00e9 poss\u00edvel adquirir o cart\u00e3o direto pelo app. \u00c9 necess\u00e1rio comparecer a uma das 20 lojas Balaroti espalhadas por todo o Brasil<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Financiamento Creditas Reforma<\/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=\"A Creditas \u00e9 uma das melhores empresas de cr\u00e9dito do Brasil. Fonte: Creditas.\"  id=\"48126\" src=\"https:\/\/cdn.adtechpanda.com\/63ed800e-8544-470f-89cf-41abb95e9456\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >A Creditas \u00e9 uma das melhores empresas de cr\u00e9dito do Brasil. Fonte: Creditas.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A Creditas \u00e9 uma das maiores empresas de cr\u00e9dito do Brasil. Em 2020 e 2021 ganhou o pr\u00eamio Reclame Aqui como melhor empresa para empr\u00e9stimo online. Dessa forma, o servi\u00e7o de financiamento para reforma n\u00e3o deixaria a desejar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Diferentemente do financiamento Balaroti, o Creditas Reforma \u00e9 em forma de dinheiro. Sendo assim, voc\u00ea pode contratar os fornecedores de sua prefer\u00eancia para todos os servi\u00e7os. Al\u00e9m disso, o financiamento Creditas Reforma te permite contratar outros servi\u00e7os como a m\u00e3o de obra ou o projeto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, para contratar o financiamento existem duas modalidades: com im\u00f3vel ou ve\u00edculo de garantia. Os dois permitem valor diferente e condi\u00e7\u00f5es diferentes. Veja:<\/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>Financiamento com ve\u00edculo em garantia<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para fazer seu financiamento com ve\u00edculo em garantia \u00e9 muito simples. Voc\u00ea pode financiar entre R$5 mil a R$150 mil. Al\u00e9m disso, as taxas de juro s\u00e3o a partir de 0,99% ao m\u00eas.<\/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>Financiamento com im\u00f3vel em garantia<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>J\u00e1 com o im\u00f3vel em garantia, o valor do empr\u00e9stimo sobe ainda mais. Nessa modalidade, \u00e9 poss\u00edvel financiar entre R$30 mil e R$3 milh\u00f5es. As taxas de juros tamb\u00e9m diminuem, v\u00e3o pra 0,89% + IPCA.<\/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>Apa keuntungan dari Pembiayaan Balaroti?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em primeiro lugar, o financiamento Balaroti \u00e9 muito bom para quem est\u00e1 realizando uma obra. Isso porque \u00e9 comum precisar de muitos produtos de lojas de constru\u00e7\u00e3o. E a Balaroti \u00e9 uma loja com mais de 50 mil produtos dispon\u00edveis. Dessa forma, essa linha de cr\u00e9dito garante vantagens para comprar na pr\u00f3pria loja. Por isso, seus gastos com os produtos da constru\u00e7\u00e3o ficam mais garantidos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, para fazer a gest\u00e3o dos seus gastos \u00e9 ainda mais f\u00e1cil. A parceria com o banco Cetelem oferece servi\u00e7os que te auxiliam. Como, por exemplo, o aplicativo. Por meio dele, \u00e9 poss\u00edvel imprimir a segunda via da fatura, consultar limite e v\u00e1rias outras fun\u00e7\u00f5es dispon\u00edveis no app.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o financiamento Balaroti ainda oferece um limite adicional. Ou seja, se estiver na loja e ultrapassar o valor planejado, n\u00e3o tem problema. \u00c9 poss\u00edvel solicitar mais limite exclusivamente para as compras nas lojas Balaroti. Dessa forma, at\u00e9 os gastos inesperados entram na sua conta e n\u00e3o v\u00e3o atrasar a sua obra.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Quais as vantagens do Financiamento Creditas Reforma?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Primeiramente, o financiamento Creditas Reforma \u00e9 uma \u00f3tima op\u00e7\u00e3o. Principalmente por ser um cr\u00e9dito r\u00e1pido de contratar. Al\u00e9m disso, a Creditas oferece consultoria de uma equipe especializada para te auxiliar no processo. Assim, voc\u00ea avalia todas as possibilidades antes de realmente contratar o empr\u00e9stimo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, para quem tem o ve\u00edculo ou im\u00f3vel esse \u00e9 o empr\u00e9stimo ideal. Pois essa condi\u00e7\u00e3o acaba aumentando o valor do financiamento. Dessa forma, voc\u00ea consegue planejar ainda mais a sua reforma.\u00a0<\/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>Apa kekurangan dari Pembiayaan Balaroti?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sem d\u00favidas, a principal desvantagem do financiamento Balaroti \u00e9 o fato dele n\u00e3o ser um financiamento. Mas sim, um cart\u00e3o de cr\u00e9dito. Apesar de ter muitas vantagens, algumas coisas ficam desfalcadas nesse caso. Por exemplo, na hora de contratar servi\u00e7os, nem todos os profissionais aceitam cart\u00e3o de cr\u00e9dito.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o cart\u00e3o pede alguns pr\u00e9-requisitos. Por exemplo, n\u00e3o ter um nome sujo e, ainda, apresentar renda m\u00ednima. No mais, a Balaroti em parceria com a Cetelem ainda faz uma an\u00e1lise de cr\u00e9dito no seu nome.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Quais as desvantagens do Financiamento Creditas Reforma?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No mais, uma desvantagem do financiamento Creditas Reforma \u00e9 que se voc\u00ea n\u00e3o tiver o ve\u00edculo ou im\u00f3vel para dar como garantia, n\u00e3o vai conseguir contratar. Al\u00e9m disso, tamb\u00e9m \u00e9 preciso se certificar que voc\u00ea vai conseguir pagar as parcelas propostas. Pois tem um bem em jogo, que pode ser perdido caso o financiamento n\u00e3o seja pago.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Financiamento Balaroti ou Financiamento Creditas Reforma: qual escolher?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, os dois financiamentos tem pr\u00f3s e contras. O financiamento Balaroti \u00e9 uma boa op\u00e7\u00e3o para quem busca descontos para comprar os produtos da obra. Al\u00e9m disso, o cart\u00e3o de cr\u00e9dito pode ser utilizado em qualquer estabelecimento. Ou seja, se os seus fornecedores aceitarem cart\u00e3o de cr\u00e9dito, talvez \u00e9 uma boa op\u00e7\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>J\u00e1 o financiamento Creditas Reforma, \u00e9 uma op\u00e7\u00e3o de cr\u00e9dito para voc\u00ea escolher os fornecedores que quiser. Em conjunto, a Creditas ainda oferece uma equipe especializada para fazer uma consultoria financeira com voc\u00ea durante a obra.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, os dois possuem muitas vantagens e depende muito da sua necessidade no momento. Enquanto voc\u00ea n\u00e3o decide, deixamos aqui outro artigo recomendado comparando o financiamento Balaroti ao financiamento Bradesco Reforma. Vale a pena conferir!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z13TSSc\">\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\/balaroti-ou-bradesco-reforma\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Financiamento Balaroti ou financiamento Bradesco\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/924fb416-beed-495b-8804-c3fba24a85c3\/\" 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\/balaroti-ou-bradesco-reforma\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Financiamento Balaroti ou financiamento Bradesco\">\n            Financiamento Balaroti ou financiamento Bradesco        <\/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 as duas op\u00e7\u00f5es de financiamento para a sua reforma e decida a melhor!        <\/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\/balaroti-ou-bradesco-reforma\/\"  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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Para isso, as vezes \u00e9 preciso um empurr\u00e3ozinho. Conhe\u00e7a hoje as vantagens e as desvantagens do financiamento Balaroti e o Creditas Reforma. Depois disso, decida qual \u00e9 o melhor para voc\u00ea.<\/p>","protected":false},"author":27,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1337],"tags":[2406,1541,2475,170,718,2474],"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>Financiamento Balaroti ou Financiamento Creditas Reforma: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Quer reformar a casa e n\u00e3o sabe qual financiamento escolher? 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