{"id":53339,"date":"2022-03-15T12:01:00","date_gmt":"2022-03-15T12:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=53339"},"modified":"2022-03-15T13:10:26","modified_gmt":"2022-03-15T13:10:26","slug":"crediario","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/id\/crediario\/","title":{"rendered":"Kredi\u00e1rio: cara kerja modalitas kredit"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2><strong>Ketahui segalanya tentang kartu kredit dan jangan terjebak<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Entenda como funciona os credi\u00e1rios, suas vantagens e desvantagens. Fonte: Adobe Stock.\"  id=\"53340\" src=\"https:\/\/cdn.adtechpanda.com\/15604687-96b1-4a76-b3ef-faf7eb75e076\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Pahami cara kerja kartu kredit, kelebihan dan kekurangannya. Sumber: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>rencana angsuran<strong> <\/strong>itu sudah menjadi bentuk pembiayaan yang banyak digunakan orang di tahun-tahun sebelumnya. Namun, itu kehilangan kekuatan karena kemudahan mendapatkan kartu kredit dan layanan saat ini.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Namun, banyak orang menganggap jenis kredit ini sebagai pilihan yang menarik untuk mendapatkan barang dan jasa dari berbagai jenis dan di berbagai instansi. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Hal itu karena masih banyak toko dan bank yang mempraktekkan pembiayaan ini. Baik dijamin, dimiliki atau dibiayai. Tapi jangan khawatir, kita akan membicarakannya di topik selanjutnya.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bagaimanapun, terlepas dari jenis layanan kredit yang ingin Anda pilih, penting untuk menganalisis semua opsi untuk mengetahui apakah itu benar-benar layak untuk diterapkan dan tidak jatuh ke dalam perangkap.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, datang dan pelajari lebih lanjut tentang paket cicilan dan semua detail tentang cara kerjanya dalam praktik!<\/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 itu kredit dan bagaimana cara kerjanya?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Seperti namanya, kartu kredit<strong> <\/strong>adalah layanan pembiayaan untuk berbagai barang dan jasa. Melalui itu, orang tersebut melakukan analisis kredit untuk disetujui selama permintaan. Jika disetujui, Anda akan membayar angsuran dari pembiayaan yang Anda buat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan kata lain, ini sangat mirip dengan pinjaman, tetapi kami tidak meminta jumlah uang tunai, tetapi barang dan jasa yang berbeda. Ingat juga bahwa cicilan sudah fix. Artinya, saat kita membuat cicilan, kita memiliki semua detail jumlah yang akan kita bayarkan dan biaya yang akan ditambahkan ke cicilan tersebut.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Zwqwde\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/id\/conheca-o-crediario-bradesco-reforma\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Kenali kartu kredit Bradesco Reforma de Im\u00f3veis\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/8033ddd6-c72e-4a09-8db1-1ce39397fbec\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/id\/conheca-o-crediario-bradesco-reforma\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Kenali kartu kredit Bradesco Reforma de Im\u00f3veis\">\n            Kenali kartu kredit Bradesco Reforma de Im\u00f3veis        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Ingin merenovasi properti Anda dan tidak memiliki kredit di kartu Anda? Pelajari lebih lanjut tentang kartu kredit Bradesco.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/id\/conheca-o-crediario-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? 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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Fonte: Adobe Stock.\"  id=\"53341\" src=\"https:\/\/cdn.adtechpanda.com\/75bbcb4c-0380-450e-a211-02fd4cb29252\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Lagi pula, apa kelebihan dan kekurangan kartu kredit? Sumber: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Manfaat<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Salah satu keuntungan yang ditawarkan jenis pembiayaan ini kepada pelamar adalah kemungkinan pembayaran dalam beberapa kali cicilan. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan cara ini, orang yang tidak memiliki kemungkinan untuk memperoleh barang atau jasa dengan pembayaran tunai, dapat melakukan cicilan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, ada beberapa perusahaan dan institusi yang menyediakan pembiayaan online untuk memudahkan dan memberikan kenyamanan lebih kepada pelanggan.<\/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>Kekurangan<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Seperti yang bisa kita lihat di topik sebelumnya, jumlah plot yang kita miliki biasanya cukup tinggi. Namun, ini tidak sepenuhnya menjadi poin plus.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan kata lain, tingginya jumlah cicilan menyebabkan tingkat utang yang sangat tinggi di pihak nasabah yang mengajukan program cicilan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, suku bunga yang dikenakan untuk cicilan tergolong tinggi. Sedangkan kartu kredit, misalnya, sering membebankan pembelian Anda tanpa bunga.<\/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 jenis kreditur yang ada?<\/h2>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Terjamin<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Modalitas kartu kredit aman terjadi ketika toko melepaskan serangkaian tanggung jawab dan mentransfer semua ini ke administrator tertentu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dalam hal ini, administrator akan mengelola seluruh proses pelepasan kredit yang diminta dan juga dalam hal pembayaran dan penagihan pada yang mangkir.<\/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>Memiliki<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Hampir kebalikan dari jaminan. Oleh karena itu, dalam hal ini, toko menanggung semua risiko sehubungan dengan default dari jumlah yang diminta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Artinya, dia bertanggung jawab atas semua tata cara pelunasan dan pembebanan cicilan yang ditetapkan oleh kedua belah pihak. Akibatnya, seluruh prosedur di pihak pemohon juga dilakukan di toko.<\/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>dibiayai<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pembiayaan jauh lebih aman untuk toko yang memperoleh modal dari lembaga yang akan menerima pembayaran cicilan langsung dari pemohon.<\/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>Bagaimana cara mengontrak jenis kredit ini?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pertama kita harus memahami bahwa ada beberapa tempat yang menawarkan jenis kredit khusus ini. Artinya, beberapa bank, lembaga keuangan atau bahkan toko itu sendiri dimana kita ingin membeli produk yang akan dibiayai.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, analisis dan negosiasi saat pengajuan rencana cicilan berbeda untuk masing-masing institusi. Namun, masing-masing membutuhkan serangkaian dokumen. Lihat apa itu:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Dokumen resmi dengan foto (RG, paspor atau CNH);<\/li><li>Pendaftaran Wajib Pajak Orang Pribadi (CPF);<\/li><li>Bukti alamat;<\/li><li>Bukti penghasilan (kartu kerja, laporan bank atau slip gaji);<\/li><li>Dua telepon kontak.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Meskipun semua dokumen ini diperlukan, prosedur di beberapa tempat dapat dilakukan secara online atau langsung. Jadi pilih saja opsi terbaik. Mengingat bahwa kita harus mengirimkan semua dokumentasi dengan benar. Setelah itu tinggal menunggu proses review dan approval.<\/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>Siapa yang negatif bisa menyewa?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como em qualquer outra modalidade de cr\u00e9dito, pode ser dif\u00edcil para negativados conseguir aprova\u00e7\u00e3o de um credi\u00e1rio. Por\u00e9m, n\u00e3o \u00e9 imposs\u00edvel. Fonte: Adobe Stock.\"  id=\"53342\" src=\"https:\/\/cdn.adtechpanda.com\/b61786ff-b938-4f53-8668-5c42f156af03\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Seperti jenis kredit lainnya, mungkin sulit bagi kreditur negatif untuk mendapatkan persetujuan kartu kredit. Namun, itu tidak mustahil. Sumber: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Seperti yang bisa kita lihat sebelumnya, cicilan adalah jenis pembiayaan untuk produk dan barang dari segmen yang berbeda. Artinya, bukan nilai atau saldo yang ditarik dari institusi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, negatif mungkin memang bisa diterapkan untuk pembiayaan jenis ini. Namun, mereka mungkin mengalami lebih banyak kesulitan selama aplikasi, serta dengan layanan kredit lainnya.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Namun, karena beberapa toko dan perusahaan bekerja dengan jenis pembiayaan ini, Anda dapat menemukan toko yang menawarkan kondisi yang lebih menguntungkan untuk yang negatif.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan kata lain, ini sulit, tetapi bukan tidak mungkin. Terutama dalam kasus di mana kami meminta pembiayaan dengan jumlah yang lebih kecil dan cicilan yang lebih sedikit untuk dibayar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ngomong-ngomong, tapi apakah layak meminta kredi\u00e1rio? Kita akan lihat sekarang!<\/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>Kapan kartu kredit layak digunakan?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Untuk menentukan dengan benar layak atau tidaknya meminta kartu kredit, pertama-tama kita harus menganalisis opsi yang tersedia bagi kita. Lagi pula, jenis pembiayaan ini memiliki kelebihan dan kekurangan seperti yang lainnya.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, kita harus menganalisis apa yang kita inginkan dengan pembiayaan tersebut dan apakah ada cara yang lebih baik untuk mencapainya. Jika kami sampai pada kesimpulan bahwa modalitas ini lebih baik untuk situasi saat ini, kami akan melanjutkan ke analisis.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan kata lain, buatlah rencana keuangan yang memungkinkan Anda mengajukan kredit tanpa mengganggu pendapatan Anda secara negatif. Dengan cara ini, Anda menghindari situasi default. Dengan itu, credi\u00e1rio bisa jadi sepadan!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Setelah Anda mengetahui cara mengajukan program cicilan, kelebihan dan kekurangannya, pahami bahwa mengelola keuangan Anda membutuhkan kontrol. Untuk ini, tidak ada yang lebih baik dari aplikasi bagus untuk mengontrol keuangan. 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Akses konten kami dan pelajari lebih lanjut!        <\/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\/aplicativos-para-controlar-financas\/\"  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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Lagi pula, siapa yang tidak pernah membeli TV impian itu dengan mencicil berkali-kali? Cek di sini untuk informasi lebih lanjut tentang cara kerja jenis kredit ini, kelebihan dan kekurangannya.<\/p>","protected":false},"author":29,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[29,38],"tags":[3242,3238,3246,3245,3244,3240,3243,3237,3241,3239],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credi\u00e1rio: como funciona a modalidade de cr\u00e9dito - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Descubra tudo sobre o credi\u00e1rio e como esse financiamento funciona, al\u00e9m de todas as suas vantagens e desvantagens. 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