{"id":17554,"date":"2021-03-04T17:39:23","date_gmt":"2021-03-04T17:39:23","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=17554"},"modified":"2021-03-04T17:39:27","modified_gmt":"2021-03-04T17:39:27","slug":"como-negociar-divida-fies","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/como-negociar-divida-fies\/","title":{"rendered":"Cum s\u0103 negociezi datoria FIES"},"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-saia-da-inadimpl%C3%AAncia-de-uma-vez-por-todas\">Ie\u0219i din default odat\u0103 pentru totdeauna<\/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=\"Saia da inadimpl\u00eancia de uma vez por todas (Imagem: ibccoathing)\"  id=\"18079\" src=\"https:\/\/ucarecdn.com\/0c7261ff-2fd0-4651-ac7c-1debc10d2953\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Sc\u0103pa\u021bi de datorii neperformante odat\u0103 pentru totdeauna (Imagine: ibccoathing)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adev\u0103rul este c\u0103 lucrul dificil nu este s\u0103 intri \u00een facultate, ci s\u0103 ie\u0219i din ea. Iar pentru mul\u021bi, problema \u00eencepe abia dup\u0103 absolvire, c\u00e2nd trebuie s\u0103 pl\u0103teasc\u0103 datoria FIES.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Chiar dac\u0103 dob\u00e2nda pare a fi o afacere bun\u0103, trebuie s\u0103 fii con\u0219tient de termenul limit\u0103 de rambursare a datoriei, care este de obicei contactat dup\u0103 finalizarea cursului. Dac\u0103 nu v\u0103 organiza\u021bi pentru a efectua pl\u0103\u021bi cu u\u0219urin\u021b\u0103, atunci risca\u021bi s\u0103 intra\u021bi \u00een stare de nerambursare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pute\u021bi rezolva majoritatea problemelor legate de pl\u0103\u021bile \u00eent\u00e2rziate printr-o planificare financiar\u0103 prealabil\u0103 din partea studen\u021bilor. Termenul de plat\u0103 este lung \u0219i poate de aceea unii ajung s\u0103 se g\u00e2ndeasc\u0103 la asta \u00een ultimul moment. \u0218i dac\u0103 cu toat\u0103 planificarea, riscurile de a merge prost \u00eenc\u0103 exist\u0103, imagina\u021bi-v\u0103 f\u0103r\u0103 preg\u0103tire?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Atunci apar cheltuieli nea\u0219teptate, urgen\u021bele, \u0219omajul, complic\u00e2nd totul. Dar ast\u0103zi, vrem s\u0103 v\u0103 ar\u0103t\u0103m c\u0103 nimic nu se pierde \u0219i c\u0103 pute\u021bi inversa situa\u021bia. A\u0219a c\u0103 pentru a ie\u0219i din default sau pentru a nu intra \u00een el, r\u0103m\u00e2ne\u021bi cu noi \u0219i urma\u021bi sfaturile!<\/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-o-que-%C3%A9-e-como-funciona-o-fies\">Ce este FIES \u0219i cum func\u021bioneaz\u0103?<\/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 que \u00e9 e como funciona o FIES (Imagem: cambury)\"  id=\"17556\" src=\"https:\/\/ucarecdn.com\/7b3e8b43-7ec5-42c6-9092-0ee8040e5aca\/undefined\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ce este FIES \u0219i cum func\u021bioneaz\u0103 (Imagine: cambury)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>S\u0103 mergi la facultate nu este deloc u\u0219or, exist\u0103 o mul\u021bime de responsabilit\u0103\u021bi cu un stagiu, s\u0103 ob\u021bii note bune \u0219i s\u0103 livrezi \u00een continuare TCC. \u00cen plus, cei care particip\u0103 la FIES trebuie s\u0103-\u0219i fac\u0103 griji cu privire la plata cursului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Potrivit Ministerului Educa\u021biei (MEC), peste 500.000 de studen\u021bi brazilieni care fac parte din FIES au restan\u021be. Prin urmare, refinan\u021barea este calea de ie\u0219ire pentru mul\u021bi brazilieni \u0219i aici ve\u021bi \u00eenv\u0103\u021ba cum s\u0103 v\u0103 pl\u0103ti\u021bi datoria cu FIES \u0219i s\u0103 sc\u0103pa\u021bi de aceast\u0103 durere de cap.<\/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-o-que-%C3%A9-o-fies\">Ce este FIES<\/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=\"O que \u00e9 o FIES (Imagem: gov)\"  id=\"17557\" src=\"https:\/\/ucarecdn.com\/039a3277-a60e-4292-b5c0-64365734eb1f\/undefined\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ce este FIES (Imagine: guvern)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Fondul de finan\u021bare a studen\u021bilor (FIES) este un program social MEC. Acesta este, prin urmare, cel mai important program de \u00eemprumuturi pentru studen\u021bi, care ofer\u0103 op\u021biuni de plat\u0103 extrem de favorabile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu FIES, mii de posturi vacante de \u00eenv\u0103\u021b\u0103m\u00e2nt superior sunt deschise \u00een fiecare an \u00een toat\u0103 Brazilia de c\u0103tre institu\u021bii private. Acest lucru d\u0103 posibilitatea multor tineri care nu ar avea posibilitatea s\u0103 pl\u0103teasc\u0103 pentru facultate s\u0103 poat\u0103 urma o diplom\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este o oportunitate grozav\u0103, dar exist\u0103 riscuri de care elevii \u0219i p\u0103rin\u021bii trebuie s\u0103 fie con\u0219tien\u021bi.<\/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=\"3-como-funciona-o-fies\">Cum func\u021bioneaz\u0103 FIES<\/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 funciona o FIES (Imagem: blog.fecap)\"  id=\"17558\" src=\"https:\/\/ucarecdn.com\/fe3fab2b-0de9-48aa-829c-ab8f4726a01c\/undefined\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cum func\u021bioneaz\u0103 FIES (Imagine: blog.fecap)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De-a lungul anilor, programul a suferit c\u00e2teva modific\u0103ri importante care au fost foarte utile \u00eentr-un fel. \u00cen 2018, FIES are acum 3 tipuri de contract, dar fi\u021bi siguri c\u0103 v\u0103 vom explica totul \u00een cel mai bun mod posibil.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>FIES 1 este pentru studen\u021bii cu venit pe cap de locuitor (pe persoan\u0103) de p\u00e2n\u0103 la 3 salarii minime. \u00cen aceast\u0103 modalitate nu va exista nicio dob\u00e2nd\u0103, ceea ce face deja via\u021ba mult mai u\u0219oar\u0103 studen\u021bilor. Ideea este de a oferi 100.000 de posturi vacante prin acest model.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>FIES 2, pe de alt\u0103 parte, este f\u0103cut pentru studen\u021bii cu un venit pe cap de locuitor de p\u00e2n\u0103 la cinci salarii minime \u0219i pentru reziden\u021bii din regiunile de Nord, Nord-Est \u0219i Midwest. \u00cen aceast\u0103 modalitate, dob\u00e2nzile sunt percepute \u0219i sunt la 3%, \u00een timp ce locurile vacante sunt oferite \u00een jur de 150 de mii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen cazul FIES 3, acesta se adreseaz\u0103 studen\u021bilor cu venit pe cap de locuitor de p\u00e2n\u0103 la 5 salarii minime din toate regiunile Braziliei. Este de a\u0219teptat ca aceast\u0103 modalitate s\u0103 deserveasc\u0103 \u00een jur de 60.000 de posturi vacante, iar dob\u00e2nzile nu au fost \u00eenc\u0103 definite.<\/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-como-negociar-d%C3%ADvida-fies-o-que-voc%C3%AA-precisa-saber\">Cum s\u0103 negociezi datoria FIES: ce trebuie s\u0103 \u0219tii<\/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\u00edvida FIES: o que voc\u00ea precisa saber (Imagem: Serasa)\"  id=\"17561\" src=\"https:\/\/ucarecdn.com\/203485a2-ec65-4465-ab42-cecbb6110cd2\/undefined\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cum s\u0103 negociezi datoria FIES: ce trebuie s\u0103 \u0219tii (Imagine: Serasa)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>FIES este o oportunitate excelent\u0103 pentru cei care doresc s\u0103 ia o diplom\u0103 \u0219i nu \u00ee\u0219i pot permite taxele de curs. Datoriile \u00eencep s\u0103 conteze de la sf\u00e2r\u0219itul cursului, adic\u0103 teoretic, petreci toat\u0103 perioada de studiu f\u0103r\u0103 s\u0103-\u021bi faci griji de plat\u0103 la sf\u00e2r\u0219itul lunii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Iar dac\u0103, dac\u0103 studentul nu \u00eencepe plata la ora programat\u0103, \u00een perioada de amortizare \u2013 care este momentul \u00een care persoana trebuie s\u0103 pl\u0103teasc\u0103 soldul finan\u021bat \u2013 este recomandat s\u0103 se efectueze doar plata minim\u0103 prev\u0103zut\u0103 \u00een contract.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, aici ve\u021bi \u00eenv\u0103\u021ba cum s\u0103 negocia\u021bi datoriile FIES f\u0103r\u0103 a risca s\u0103 nu pute\u021bi pl\u0103ti acea datorie, chiar \u0219i cu at\u00e2t de multe oportunit\u0103\u021bi de plat\u0103.<\/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-como-funciona-o-pagamento-do-financiamento-estudantil\">Cum func\u021bioneaz\u0103 plata \u00eemprumutului pentru studen\u021bi?<\/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 funciona o pagamento do financiamento estudantil (Imagem:BLU365)\"  id=\"17563\" src=\"https:\/\/ucarecdn.com\/d11b500e-5aad-4a07-8e14-802782cf42b7\/undefined\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cum func\u021bioneaz\u0103 pl\u0103\u021bile \u00eemprumuturilor pentru studen\u021bi (Imagine: BLU365)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Plata func\u021bioneaz\u0103 astfel: b\u0103ncile partenere \u201e\u00eemprumut\u0103\u201d banii aferenti costului cursului dumneavoastr\u0103 \u00een condi\u021bii simple. Potrivit MEC, pl\u0103\u021bile pentru finan\u021barea studen\u021bilor \u00eencep s\u0103 fie efectuate dup\u0103 prima lun\u0103 de finalizare a cursului, deoarece studentul are venituri. Termenul maxim de achitare a sumei de finan\u021bare poate ajunge la 14 ani.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cens\u0103 pentru cei care nu sunt angaja\u021bi, plata va func\u021biona din bonuri FIES cu o sum\u0103 redus\u0103. Prin urmare, este foarte important s\u0103 se respecte plata minim\u0103 \u00een conformitate cu regulamentul programului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, atunci c\u00e2nd exist\u0103 o surs\u0103 fix\u0103 de venit, banii vor fi dedu\u0219i automat din statul de plat\u0103. \u00cen acest caz, ve\u021bi pl\u0103ti rate mai mari datorit\u0103 perioadei minime de plat\u0103.<\/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-existe-algum-pagamento-durante-o-curso\">Exist\u0103 vreo plat\u0103 \u00een timpul cursului?<\/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=\"Existe algum pagamento durante o curso (Imagem: remessaonline)\"  id=\"17564\" src=\"https:\/\/ucarecdn.com\/621c873a-1717-4870-b64b-03ec6f6ace18\/undefined\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Exist\u0103 vreo plat\u0103 \u00een timpul cursului (Imagine: remitere online)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>R\u0103spunsul este da, dar nu dispera. Chiar dac\u0103 plata dup\u0103 finalizarea cursului este cel mai important lucru, \u00een timpul facult\u0103\u021bii exist\u0103 o tax\u0103 pe care va trebui s\u0103 o pl\u0103ti\u021bi pentru faza de utilizare. Suma const\u0103 \u00een p\u00e2n\u0103 la R$ 150 de reale \u00een fiecare trimestru.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, merit\u0103 s\u0103 re\u021bine\u021bi c\u0103 nu primi\u021bi banii de finan\u021bare \u00een contul dvs., institu\u021biile financiare transfer\u0103 totul direct institu\u021biei dvs. de \u00eenv\u0103\u021b\u0103m\u00e2nt.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2hPtj7\">\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\/ro\/10-cursos-de-qualificacao-profissional-gratuitos\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"10 cursuri gratuite de calificare profesional\u0103\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/f1d1cbc5-373b-442d-9f61-c6b054be8129\/\" 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\/ro\/10-cursos-de-qualificacao-profissional-gratuitos\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"10 cursuri gratuite de calificare profesional\u0103\">\n            10 cursuri gratuite de calificare profesional\u0103        <\/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            C\u0103uta\u021bi un loc de munc\u0103? 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Simplificat \u00eenseamn\u0103 atunci c\u00e2nd nu exist\u0103 modific\u0103ri ale clauzelor de finan\u021bare. \u0218i ad\u0103ugarea nesimplificat\u0103 care se \u00eent\u00e2mpl\u0103 atunci c\u00e2nd exist\u0103 o modificare a clauzelor. Acest proces trebuie efectuat prin intermediul SisFIES \u0219i pentru asta face\u021bi o cerere c\u0103tre CPSA.<\/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-o-que-acontece-se-voc%C3%AA-n%C3%A3o-pagar-d%C3%ADvida-fies\">Ce se \u00eent\u00e2mpl\u0103 dac\u0103 nu v\u0103 pl\u0103ti\u021bi datoria FIES?<\/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 que acontece se voc\u00ea n\u00e3o pagar d\u00edvida FIES (Imagem: metropoles)\"  id=\"17566\" src=\"https:\/\/ucarecdn.com\/f3191927-ecd7-4b60-8d39-f6fcc7081190\/undefined\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ce se \u00eent\u00e2mpl\u0103 dac\u0103 nu v\u0103 pl\u0103ti\u021bi datoria FIES (Imagine: metropole)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin neput\u00e2nd pl\u0103ti datorii cu finan\u021bare, studen\u021bii cu pierderea diplomei sau neput\u00e2nd exercita profesia. Dar fi\u021bi siguri c\u0103 neplata FIES nu v\u0103 va \u00eempiedica s\u0103 intra\u021bi pe pia\u021ba muncii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, ceea ce trebuie s\u0103 \u0219tie studentul este c\u0103 datoria FIES nu este o datorie bancar\u0103 ca toate celelalte, ci o datorie legat\u0103 de o agen\u021bie federal\u0103. Aceasta \u00eenseamn\u0103 c\u0103 consecin\u021bele sunt mai grave dec\u00e2t datoriile datorate ne\u00eendeplinirii obliga\u021biilor de alt\u0103 natur\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, dac\u0103 nu v\u0103 achita\u021bi datoriile, este posibil s\u0103 ave\u021bi probleme foarte serioase. Dac\u0103 este destul de greu s\u0103 ie\u0219i din ro\u0219u cu datorii comune, s\u0103 nu mai vorbim de o datorie c\u0103tre o agen\u021bie federal\u0103. Acestea sunt consecin\u021bele posibile:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>Nume negativ:<\/strong> Neplata datoriilor iti pune CPF-ul in registrul debitorilor agentiei de protectie a creditului precum SPC si Serasa, ceea ce iti face imposibil sa ai acces la credit si la achizitii in rate, de exemplu<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>\u00cenregistrare \u00een CADIN:<\/strong> cu neplata intri in Registrul Informativ al Creditelor Neachitate al Sectorului Public Federal. Ceea ce face imposibil\u0103 deschiderea de conturi, acordarea de \u00eemprumuturi \u00een re\u021beaua bancar\u0103 \u0219i mai r\u0103u, ceea ce poate duce la sechestrul bunurilor \u0219i blocarea Ramburs\u0103rilor de Impozit pe Venit, fiind eliberat doar dup\u0103 plata debitului.<\/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-d%C3%ADvida-do-fies-prescreve\">Datoria FIES prescrie?<\/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=\"D\u00edvida do FIES prescreve (Imagem: ACr\u00edtica)\"  id=\"17568\" src=\"https:\/\/ucarecdn.com\/6fa7bcf1-cdcd-49da-be00-0e2db9973731\/undefined\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Datoria FIES prescrie (Imagine: ACr\u00edtica)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aceasta este una dintre cele mai recurente \u00eendoieli. Totu\u0219i, ca \u0219i alte tipuri de \u00eemprumuturi, datoria cu FIES nu expir\u0103 p\u00e2n\u0103 c\u00e2nd nu atinge nota de peste 5 ani. Ceea ce se \u00eent\u00e2mpl\u0103 este c\u0103 agen\u021biile de protec\u021bie a creditului scot CPF-ul debitorului din registrul mor\u021bilor, dar acest lucru nu \u00eei \u00eempiedic\u0103 s\u0103 \u00eencaseze \u00een mod normal datoria.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen datoria dumneavoastr\u0103 cu FIES este diferit, dup\u0103 5 ani de datorie restante numele debitorului va r\u0103m\u00e2ne negativ. \u0218i \u00eenc\u0103 risc\u0103 s\u0103 \u00eei fie confiscate \u0219i blocate bunurile pentru a-\u0219i compensa creditul cu guvernul federal. A\u0219a c\u0103 credem c\u0103 este mai bine s\u0103 v\u0103 g\u00e2ndi\u021bi de dou\u0103 ori sau chiar mai mult \u00eenainte de a decide s\u0103 nu v\u0103 pl\u0103ti\u021bi datoria cu FIES.<\/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-%C3%A9-poss%C3%ADvel-ter-a-d%C3%ADvida-com-o-fies-perdoada\">Este posibil s\u0103 vi se ierte datoria cu FIES?<\/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=\"\u00c9 poss\u00edvel ter a d\u00edvida com o FIES perdoada (Imagem: UOLEconomia)\"  id=\"17569\" src=\"https:\/\/ucarecdn.com\/a4db3350-292a-4270-ada2-d0f1da22f4b5\/undefined\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Este posibil s\u0103 vi se ierte datoria cu FIES (Imagine: UOLEconomia)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219a cum datoria FIES nu prescrie, nu este posibil s\u0103 fie iertat\u0103. Avem de-a face cu un \u00eemprumut bancar \u0219i suntem de acord c\u0103 dac\u0103 \u00eel datorezi, trebuie s\u0103 \u00eel pl\u0103te\u0219ti, nu exist\u0103 nicio ie\u0219ire.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen func\u021bie de nivelul de \u00eendatorare, poate p\u0103rea o sarcin\u0103 imposibil\u0103, dar cu planificarea financiar\u0103 \u0219i controlul finan\u021belor tale, lucrurile pot lua \u00een sf\u00e2r\u0219it o \u00eentors\u0103tur\u0103 pozitiv\u0103. F\u0103c\u00e2nd posibil\u0103 achitarea datoriei \u0219i a ie\u0219i din neplat\u0103.<\/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=\"11-novas-regras-para-renegocia%C3%A7%C3%A3o-do-fies\">Noi reguli pentru renegociere FIES<\/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=\"Novas regras para renegocia\u00e7\u00e3o do FIES (Imagem: EducaMaisBrasil)\"  id=\"17570\" src=\"https:\/\/ucarecdn.com\/ba350723-85f9-47a1-8aea-e03539851df5\/undefined\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Noi reguli pentru renegocierea FIES (Imagine: EducaMaisBrasil)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Noile reguli de renegociere a FIES intr\u0103 \u00een vigoare din 2019. Perioada de renegociere se deschide \u00een fiecare an \u00eentre lunile aprilie \u0219i iulie. Deci, \u00een primul r\u00e2nd, este necesar s\u0103 se acorde aten\u021bie termenului de renegociere care este publicat pe site-ul MEC.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O alt\u0103 informa\u021bie important\u0103 este c\u0103 valoarea ratelor pentru orice contract nu poate fi mai mare de 10% din venitul lunar al familiei. \u0218i aceste rate sunt deduse automat din salariu, deoarece func\u021bioneaz\u0103 \u00eentr-un \u00eemprumut pe salariu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Plata \u00eencepe s\u0103 se fac\u0103 imediat dup\u0103 ce studentul ob\u021bine un venit oficial, dup\u0103 finalizarea cursului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Anterior, taxa lunar\u0103 de finan\u021bare avea o limit\u0103 de R$ 5 mii de reali, cu prioritate medicin\u0103, inginerie \u0219i diplome de licen\u021b\u0103, iar acum MEC nu a definit \u00eenc\u0103 limite. \u00cen prezent, suma minim\u0103 de finan\u021bat este R$ de 50 de reale pe lun\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O alt\u0103 schimbare care a avut loc, de asemenea, a fost c\u0103 anterior doar Caixa Econ\u00f4mica \u0219i Banco do Brasil erau singurele institu\u021bii care aveau dreptul s\u0103 efectueze finan\u021barea. Cu noile reguli, b\u0103ncile private pot finan\u021ba doar \u00een modalitatea 3. Modalit\u0103\u021bile 1 \u0219i 2 sunt exclusive celor dou\u0103 b\u0103nci men\u021bionate mai sus.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a-\u021bi renegocia datoria, trebuie s\u0103 mergi la institu\u021bia la care a fost semnat contractul \u0219i s\u0103 faci un avans a c\u0103rui valoare variaz\u0103 \u00eentre 10% din debitul restant \u0219i R$ 1.000 de reali.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Restul soldului va fi pl\u0103tit \u00een rate, dar valoarea ratei nu poate fi mai mic\u0103 de R$ 200 de reale. Dup\u0103 aceast\u0103 renegociere, acum po\u021bi fi lini\u0219tit \u00een ceea ce prive\u0219te taxele, pentru c\u0103 odat\u0103 cu regularizarea situa\u021biei, acestea nu se vor \u00eent\u00e2mpla.&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<h2 id=\"12-passo-a-passo-para-renegociar-a-d%C3%ADvida-fies\">Pas cu pas pentru a renegocia datoria FIES<\/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=\"Passo a passo para renegociar a d\u00edvida FIES (Imagem: UniLe\u00e3o)\"  id=\"17571\" src=\"https:\/\/ucarecdn.com\/8d107112-9fb2-49e2-a756-26838731daa5\/undefined\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Pas cu pas pentru a renegocia datoria FIES (Imagine: UniLe\u00e3o)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Exist\u0103 dou\u0103 forme de regularizare: lichidare sau plata total\u0103 a datoriilor \u00een rate. Pentru lichidare, rata poate fi achitat\u0103 \u00eentr-o singur\u0103 form\u0103 cu o reducere de 100% a dob\u00e2nzii de \u00eent\u00e2rziere. O alt\u0103 modalitate de a pl\u0103ti soldul restant este achitarea datoriei \u00een 4 luni cu reducerea dob\u00e2nzii de 60%.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru cei care aleg s\u0103 pl\u0103teasc\u0103 suma total\u0103 a datoriei \u00een rate, exist\u0103 3 forme de reduceri. \u00cen maximum 24 de rate lunare, reducerea dob\u00e2nzii va fi de 60%. \u00cen p\u00e2n\u0103 la 145 de rate reducerea dob\u00e2nzii va fi de 40% \u0219i \u00een final \u00een 175 de rate cu reducerea dob\u00e2nzii de 25%. Detaliile pas cu pas pot fi g\u0103site mai jos:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>Accesa\u021bi site-ul web SisFIES \u0219i conecta\u021bi-v\u0103 cu contul dvs. Pe aceast\u0103 pagin\u0103 ve\u021bi avea toate informa\u021biile despre finan\u021bare, inclusiv c\u00e2t timp mai r\u0103m\u00e2ne de pl\u0103tit, suma ratei \u0219i suma total\u0103 restant\u0103.<\/li><li>Este indicat s\u0103 face\u021bi o simulare \u00eenainte de renegociere \u0219i s\u0103 alege\u021bi num\u0103rul de rate din noul contract.<\/li><li>Tip\u0103ri\u021bi declara\u021bia de inexisten\u021b\u0103 a ac\u021biunii \u00een justi\u021bie sau Declara\u021bia de retragere \u0219i documentul de bun\u0103 stare de prelungire a amortizarii.<\/li><li>Al\u0103turi de actele men\u021bionate mai sus, se adun\u0103 acum \u0219i actele personale: RG, CPF, dovada domiciliului \u0219i venitul girantului.<\/li><li>Apoi mergi la agentia unde a fost semnat contractul, luand actele si semnand termenii de renegociere.<\/li><\/ol>\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=\"13-conclus%C3%A3o\">Concluzie<\/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=\"Conclus\u00e3o (Imagem: Not\u00edcias de Mogi)\"  id=\"17575\" src=\"https:\/\/ucarecdn.com\/58c9a08f-c1f8-4448-ac6e-8076084d3eb2\/undefined\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Concluzie (Imagine: Not\u00edcias de Mogi)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oricum, achitarea FIES-ului dup\u0103 finalizarea cursului este foarte simpl\u0103, iar condi\u021biile sunt c\u00e2t mai u\u0219or de \u00eencadrat \u00een buzunar. Dar, fii foarte atent cu datorii \u0219i nu l\u0103sa niciodat\u0103 s\u0103 se acumuleze. \u021ai-au pl\u0103cut sfaturile de ast\u0103zi? A\u0219a c\u0103 urm\u0103ri\u021bi cel\u0103lalt con\u021binut al nostru!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-24C6qP\">\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\/ro\/como-se-livrar-das-dividas-em-2021\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 scapi de datorii \u00een 2021\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/039a3277-a60e-4292-b5c0-64365734eb1f\/\" 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\/ro\/como-se-livrar-das-dividas-em-2021\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 scapi de datorii \u00een 2021\">\n            Cum s\u0103 scapi de datorii \u00een 2021        <\/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            2020 a l\u0103sat cu siguran\u021b\u0103 multe daune financiare tuturor, a\u0219a c\u0103 ce zici s\u0103 scapi de ele \u00een 2021? 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\u0218tia\u021bi c\u0103 este posibil s\u0103 scad\u0103? Vede\u021bi cum s\u0103 v\u0103 negocia\u021bi datoria FIES.<\/p>","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[38,36],"tags":[218,216,217,215],"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>Como negociar d\u00edvida FIES: Veja dicas para diminuir a conta<\/title>\n<meta name=\"description\" content=\"Voc\u00ea fez FIES e acha que agora a conta est\u00e1 muito alta? Sabia que \u00e9 poss\u00edvel diminuir? 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