{"id":26499,"date":"2021-07-31T23:00:00","date_gmt":"2021-07-31T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=26499"},"modified":"2021-07-30T05:04:06","modified_gmt":"2021-07-30T05:04:06","slug":"conheca-o-credito-imobiliario-banco-de-brasilia","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/it\/conheca-o-credito-imobiliario-banco-de-brasilia\/","title":{"rendered":"Conosci il credito immobiliare del Banco de Bras\u00edlia"},"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-cr%C3%A9dito-imobili%C3%A1rio-banco-de-bras%C3%ADlia-\">Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia&nbsp;<\/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=\"Conhe\u00e7a o Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia. Fonte: Ao Vivo de Bras\u00edlia.\"  id=\"26500\" src=\"https:\/\/ucarecdn.com\/ca5bb0db-2085-4b22-aa07-7103a43b803a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Conhe\u00e7a o Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia. Fonte: Ao Vivo de Bras\u00edlia.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Se voc\u00ea est\u00e1 em busca de um financiamento para adquirir o im\u00f3vel pr\u00f3prio, o cr\u00e9dito imobili\u00e1rio do Banco de Bras\u00edlia pode ser a op\u00e7\u00e3o ideal para voc\u00ea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, o Banco de Bras\u00edlia, ou BRB, tem como objetivo contribuir com o desenvolvimento econ\u00f4mico, social e humano. Por isso, oferecem cada vez mais recursos para facilitar a vida de seus clientes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, conhe\u00e7a a seguir os seus pr\u00f3s e contras e decida se ele \u00e9 uma boa escolha para a sua vida financeira.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2tlqIa\">\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\/it\/como-solicitar-o-credito-imobiliario-banco-de-brasilia\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Solicitar Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/f03c1b20-c871-4989-a203-c7829d3d0a26\/\" 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\/it\/como-solicitar-o-credito-imobiliario-banco-de-brasilia\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Solicitar Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia\">\n            Solicitar Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia        <\/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            Il Credito Immobiliare del Banco de Bras\u00edlia ha tassi ridotti e garantisce agilit\u00e0 nella contrattazione. Controlla qui come richiederlo!         <\/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\/it\/como-solicitar-o-credito-imobiliario-banco-de-brasilia\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua a leggere            <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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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\/it\/como-solicitar-o-credito-imobiliario-banco-de-brasilia\/\"  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\/f03c1b20-c871-4989-a203-c7829d3d0a26\/\">          \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                Solicitar Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/it\/como-solicitar-o-credito-imobiliario-banco-de-brasilia\/\"  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                    Continua a leggere                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Rimarrai sullo stesso sito web              <\/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=\"1-como-funciona-o-cr%C3%A9dito-imobili%C3%A1rio-banco-de-bras%C3%ADlia\">Como funciona o Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia?<\/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=\"Conhe\u00e7a o Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia. Fonte: Precon Engenharia.\"  id=\"26501\" src=\"https:\/\/ucarecdn.com\/36fe4a37-4bc1-42b5-bf1f-b7e5fec88e7e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Conhe\u00e7a o Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia. Fonte: Precon Engenharia.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, o financiamento imobili\u00e1rio do Banco de Bras\u00edlia conta com as melhores taxas do mercado, al\u00e9m de financiar at\u00e9 80% do valor de im\u00f3vel.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, h\u00e1 tr\u00eas op\u00e7\u00f5es de taxas de juros dispon\u00edveis. Assim, voc\u00ea consegue escolher qual \u00e9 a mais vantajosa para voc\u00ea. Confira a seguir:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Taxas a partir de 6,25% ao ano + TR<\/li><li>Ou ent\u00e3o, a partir de 3,29% ao ano + IPCA<\/li><li>E por \u00faltimo, a partir de 3,89% ao ano + Poupan\u00e7a<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o BRB criou um simulador de cr\u00e9dito para facilitar ainda mais a vida dos clientes. Com ele, voc\u00ea consegue consultar algumas informa\u00e7\u00f5es antes de solicitar o seu financiamento.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-qual-o-limite-do-cr%C3%A9dito-imobili%C3%A1rio-banco-de-bras%C3%ADlia\">Qual o limite do Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, o BRB n\u00e3o informa o limite exato para o seu financiamento. Por\u00e9m, voc\u00ea pode conseguir o cr\u00e9dito de at\u00e9 80% do im\u00f3vel.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, utilize o simulador dispon\u00edvel no site ou entre em contato com os seus atendentes por telefone, e-mail ou chat para tirar as suas d\u00favidas.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-cr%C3%A9dito-imobili%C3%A1rio-banco-de-bras%C3%ADlia-vale-a-pena-\">Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia vale a pena?&nbsp;<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, para descobrir se o cr\u00e9dito imobili\u00e1rio \u00e9 o mais indicado para a sua vida financeira, voc\u00ea precisa conhecer seus pr\u00f3s e contras, n\u00e3o \u00e9 mesmo?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por isso, confira a seguir suas principais caracter\u00edsticas!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"4-quais-as-vantagens-desse-cr%C3%A9dito\">Quais as vantagens desse cr\u00e9dito?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, a agilidade no processo de contrata\u00e7\u00e3o \u00e9 um de seus pontos positivos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, as condi\u00e7\u00f5es de contrata\u00e7\u00e3o tamb\u00e9m s\u00e3o bastante atraentes. Assim, suas taxas s\u00e3o as menores do mercado e \u00e9 poss\u00edvel escolher qual \u00e9 o tipo de juros ideal para voc\u00ea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, voc\u00ea consegue financiar at\u00e9 80% do im\u00f3vel com prazos de at\u00e9 420 meses, que \u00e9 o equivalente a 35 anos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, as parcelas s\u00e3o decrescentes. Ou seja, os valores diminuem com o tempo e voc\u00ea vai ter mais tranquilidade para pag\u00e1-las.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, outra vantagem oferecida pelo banco \u00e9 a possibilidade de voc\u00ea utilizar o seu FGTS para pagar parte da d\u00edvida.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, o financiamento imobili\u00e1rio do BRB pode ser bastante vantajoso por suas condi\u00e7\u00f5es especiais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por\u00e9m, vamos conhecer agora quais s\u00e3o as suas desvantagens. Dessa forma, voc\u00ea tem todas as informa\u00e7\u00f5es para tomar a melhor decis\u00e3o para a sua vida financeira.<\/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-tem-desvantagens\">Tem desvantagens?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, um de seus principais pontos negativos \u00e9 que n\u00e3o \u00e9 poss\u00edvel fazer a solicita\u00e7\u00e3o online do seu cr\u00e9dito. Ou seja, para isso voc\u00ea deve ir at\u00e9 uma ag\u00eancia f\u00edsica e conversar com um de seus atendentes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, outra desvantagem est\u00e1 relacionada \u00e0 ades\u00e3o da taxa de juros pelo IPCA. Isso porque, caso voc\u00ea opte por essa op\u00e7\u00e3o, o prazo para pagamento cai de 420 para 360 meses, ou seja, 30 anos. Isso significa que voc\u00ea teria 5 anos a menos para quitar a d\u00edvida.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-como-fazer-um-cr%C3%A9dito-imobili%C3%A1rio-banco-de-bras%C3%ADlia\">Como fazer um Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia?<\/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=\"Conhe\u00e7a o Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia.\"  id=\"26502\" src=\"https:\/\/ucarecdn.com\/8e44a1ec-0d0c-4929-b42a-1a3d433ad451\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Conhe\u00e7a o Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, agora voc\u00ea j\u00e1 conhece as caracter\u00edsticas do financiamento e pode decidir se \u00e9 uma boa op\u00e7\u00e3o para voc\u00ea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por isso, para fazer a sua solicita\u00e7\u00e3o, \u00e9 necess\u00e1rio que voc\u00ea v\u00e1 a uma ag\u00eancia do Banco de Bras\u00edlia e fale com um de seus atendentes. Ademais, ser\u00e1 necess\u00e1rio abrir uma conta no banco.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, vale destacar que a institui\u00e7\u00e3o realiza an\u00e1lise do seu perfil, por isso voc\u00ea n\u00e3o pode ter restri\u00e7\u00f5es de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por\u00e9m, voc\u00ea pode tirar as suas d\u00favidas por telefone, e-mail ou chat. Assim, voc\u00ea consegue se preparar antes de precisar se deslocar at\u00e9 o local.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, se voc\u00ea est\u00e1 interessado e quer conhecer melhor qual \u00e9 o passo a passo para pedir o cr\u00e9dito imobili\u00e1rio, leia o conte\u00fado recomendado a seguir. L\u00e1, voc\u00ea encontrar\u00e1 informa\u00e7\u00f5es detalhadas para a sua solicita\u00e7\u00e3o. Confira!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-7jMo2\">\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\/it\/como-solicitar-o-credito-imobiliario-banco-de-brasilia\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar Cr\u00e9dito Banco de Bras\u00edlia\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/f03c1b20-c871-4989-a203-c7829d3d0a26\/\" 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\/it\/como-solicitar-o-credito-imobiliario-banco-de-brasilia\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar Cr\u00e9dito Banco de Bras\u00edlia\">\n            Como solicitar Cr\u00e9dito Banco de Bras\u00edlia        <\/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            Il Credito Immobiliare del Banco de Bras\u00edlia ha tassi ridotti e garantisce agilit\u00e0 nella contrattazione. 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Controllalo qui!<\/p>","protected":false},"author":18,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[38,36,19],"tags":[1282,387,1281,1280],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Conhe\u00e7a o Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia - Senhor Panda<\/title>\n<meta name=\"description\" content=\"O Cr\u00e9dito Imobili\u00e1rio Banco de Bras\u00edlia oferece as menores taxas do mercado, al\u00e9m de prazo de at\u00e9 420 meses para pagar. 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