{"id":18094,"date":"2021-03-16T12:55:26","date_gmt":"2021-03-16T12:55:26","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=18094"},"modified":"2021-03-16T12:55:30","modified_gmt":"2021-03-16T12:55:30","slug":"emprestimo-na-conta-de-luz-como-funciona","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/emprestimo-na-conta-de-luz-como-funciona\/","title":{"rendered":"\u00cemprumut pe factura de energie electric\u0103: cum func\u021bioneaz\u0103?"},"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-descubra-como-fazer-empr%C3%A9stimo-na-conta-de-luz-\"><strong>Afla\u021bi cum s\u0103 ob\u021bine\u021bi un \u00eemprumut pe factura de energie electric\u0103<\/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=\"Descubra como fazer empr\u00e9stimo na conta de luz (Imagem: ConsultaoCPF)\"  id=\"18107\" src=\"https:\/\/ucarecdn.com\/428f6dfc-9699-4f15-8a32-45992f8cc0fc\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Afla\u021bi cum s\u0103 v\u0103 \u00eemprumuta\u021bi pe factura de energie electric\u0103 (Imagine: ConsultaoCPF)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u021ai-ai imaginat vreodat\u0103 s\u0103 iei un \u00eemprumut pe factura de lumin\u0103? Probabil ca nu. \u00cen ciuda faptului c\u0103 este posibil\u0103, aceast\u0103 modalitate nu este \u00eenc\u0103 foarte popular\u0103 \u00een r\u00e2ndul brazilienilor \u0219i mul\u021bi nici m\u0103car nu \u0219tiu c\u0103 este permis\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Factura de lumin\u0103 trebuie pl\u0103tit\u0103 \u00een fiecare lun\u0103, nu-i a\u0219a? Prin aceasta, companiile v\u0103 pot oferi credit \u0219i v\u0103 pot solicita plata prin cont pentru a garanta primirea la data corect\u0103 \u00een fiecare lun\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar, exist\u0103 detalii despre acest grant pe care trebuie s\u0103 le cunoa\u0219te\u021bi \u00eenainte de a aplica. Vezi toate informa\u021biile despre acest tip de \u00eemprumut \u0219i vezi dac\u0103 este potrivit pentru tine.<\/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-empr%C3%A9stimo-na-conta-de-luz-\"><strong>Ce este un \u00eemprumut pentru factura de energie electric\u0103?<\/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=\"O que \u00e9 empr\u00e9stimo na conta de luz (Imagem: TribunaOnline)\"  id=\"18108\" src=\"https:\/\/ucarecdn.com\/f65d3142-1e02-4b49-8e67-637c720cf27e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Ce este un \u00eemprumut pe factura de energie electric\u0103 (Imagine: TribunaOnline)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Din 2019, aceast\u0103 posibilitate a ajuns pe pia\u021ba brazilian\u0103, aduc\u00e2nd posibilitatea solicit\u0103rii unui \u00eemprumut prin configurarea debitului din contul de consum lunar de energie electric\u0103.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aceasta \u00eenseamn\u0103 c\u0103 ratele \u00eemprumutului vor fi pl\u0103tite lunar prin factura de energie electric\u0103. \u00cen acest fel, suma ratei creditului se va ad\u0103uga la consumul de energie al locuin\u021bei dumneavoastr\u0103 \u00een luna.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De exemplu: dac\u0103 \u00een mod normal cheltuie\u0219ti 60 de reale pe energie electric\u0103 \u0219i iei un \u00eemprumut care \u00eensumeaz\u0103 1.000 de reale (cu dob\u00e2nzi \u0219i comisioane incluse) care urmeaz\u0103 s\u0103 fie pl\u0103tit \u00een 10 rate de 100 de reale, \u00eenseamn\u0103 c\u0103 pentru zece luni factura ta va fi de 160 de reale ( 60 de reale consum de energie + 100 de reale bani \u00eemprumuta\u021bi).&nbsp;&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este important de men\u021bionat c\u0103 rata maxim\u0103 a \u00eemprumutului este \u00een mod normal limitat\u0103 la dublul valorii medii a facturii de energie electric\u0103. Acest lucru ajut\u0103 la minimizarea posibilit\u0103\u021bii de implicit.&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=\"2-como-funciona-\"><strong>Cum functioneaza?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como funciona o empr\u00e9stimo na conta de luz (Imagem: CashMe)\"  id=\"18109\" src=\"https:\/\/ucarecdn.com\/ecc3ec00-fc44-4b19-a045-8e5c10a8771e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Cum func\u021bioneaz\u0103 \u00eemprumutul pentru factura de energie electric\u0103 (Imagine: CashMe)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 cum am men\u021bionat mai sus, \u00eemprumutul pentru factura de energie electric\u0103 este un nou tip de credit. Acesta permite persoanei s\u0103 pl\u0103teasc\u0103 ratele \u00eemprumutului s\u0103u \u00eempreun\u0103 cu consumul s\u0103u de energie. Suma acestor valori va fi prezent\u0103 \u00een factura dvs. lunar\u0103 de consum.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Plata se poate face ca de obicei, debit, la ATM sau la loterie.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este important s\u0103 \u0219ti\u021bi c\u0103 valoarea maxim\u0103 a ratei este echivalent\u0103 cu dublul valorii consumului dvs. de energie. De exemplu, dac\u0103 factura dvs. de energie electric\u0103 cost\u0103 R$50 de reali, suma maxim\u0103 a ratei de \u00eemprumut va fi R$100.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De obicei cei care efectueaz\u0103 acest tip de \u00eemprumut sunt companii financiare care au parteneriate cu firma care furnizeaz\u0103 energie electric\u0103 la domiciliul t\u0103u.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a contracta acest credit, trebuie s\u0103 c\u0103uta\u021bi o institu\u021bie sau companie specializat\u0103 \u00een credite de consum \u0219i s\u0103 prezenta\u021bi urm\u0103toarele documente:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>RG;<\/li><li>CPF;<\/li><li>Dovada re\u0219edin\u021bei actualizat\u0103;<\/li><li>chitanta bancara.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De obicei, procesul de oficializare a \u00eemprumutului are loc online, dar nu uita\u021bi s\u0103 v\u0103 asigura\u021bi c\u0103 site-ul este de \u00eencredere.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, nu transmite\u021bi numerele documentelor prin apeluri sau SMS-uri f\u0103r\u0103 s\u0103 \u0219ti\u021bi cu cine vorbi\u021bi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Un alt lucru pe care trebuie s\u0103-l \u0219ti\u021bi este c\u0103 suma \u00eemprumutului variaz\u0103 de obicei \u00eentre 500 R$ \u0219i 2500 R$.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, evalua\u021bi ce companii de credit ofer\u0103 acest serviciu \u00een regiunea dumneavoastr\u0103 \u0219i cum s\u0103 aplica\u021bi pentru \u00eemprumutul pe factura de energie electric\u0103 \u00een func\u021bie de procesele fiec\u0103reia dintre ele. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Printre criteriile pe care le pute\u021bi evalua \u00eenainte de a \u00eencheia tranzac\u021bia se num\u0103r\u0103:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>sumele puse la dispozi\u021bie;<\/li><li>num\u0103rul total de rate;<\/li><li>ratele dob\u00e2nzilor;<\/li><li>costul efectiv total (CET).<\/li><li><\/li><\/ul>\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-quais-as-vantagens-\"><strong>Care sunt avantajele?<\/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=\"Quais as vantagens do empr\u00e9stimo na conta de luz (Imagem: QuiteJ\u00e1)\"  id=\"18110\" src=\"https:\/\/ucarecdn.com\/2904f6ec-7d75-4559-8f9b-dd720b841306\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Care sunt avantajele \u00eemprumutului pe factura de energie electric\u0103 (Imagine: QuiteJ\u00e1)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Probabil c\u0103 v\u0103 \u00eentreba\u021bi atunci care sunt avantajele explicite ale acestui tip de \u00eemprumut. Deoarece va implica ceva la fel de privat precum factura de energie electric\u0103. A\u0219adar, separ\u0103m c\u00e2teva puncte din avantajele care \u021bi se ofer\u0103. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Dup\u0103 aprobarea creditului, banii pot fi \u00een contul dvs. \u00een termen de 24 de ore;<\/li><li>Termenul de plata este de la 3 la 18 luni;<\/li><li>Procesul de aplicare este simplu \u0219i online;<\/li><li>Valoarea ratei va fi doar de 2 ori valoarea consumului dvs. de energie.<\/li><\/ul>\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=\"4-quais-as-d-esvantagens-d-esse-tipo-de-empr%C3%A9stimo-\">Care sunt d<strong>dezavantaje ale<\/strong>acest tip de<strong> \u00eemprumut?<\/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=\"Quais as desvantagens do empr\u00e9stimo na conta de luz (Imagem:SettinConsultoria)\"  id=\"18111\" src=\"https:\/\/ucarecdn.com\/04c5c086-495b-4fc7-ac39-8091ec4779ec\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Care sunt dezavantajele \u00eemprumutului pe factura de energie electric\u0103 (Imagine: SettinConsultoria)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ca orice altceva \u00een via\u021b\u0103, \u00eemprumutul pentru factura de energie electric\u0103 se confrunt\u0103 \u0219i cu dezavantajele sale. Aceste informa\u021bii devin apoi utile pentru a compara beneficiile \u0219i non-beneficii \u0219i pentru a decide dac\u0103 aplica\u021bi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>C\u00e2nd aplica\u021bi, va trebui s\u0103 face\u021bi o analiz\u0103 de credit;<\/li><li>Ratele dob\u00e2nzilor pot varia foarte mult de la o persoan\u0103 la alta;<\/li><li>Trebuie s\u0103 ave\u021bi un cont bancar pentru a depune banii \u00eemprumutului;<\/li><li>Trebuie s\u0103 ave\u021bi cel pu\u021bin 21 de ani \u0219i cel mult 79 de ani;<\/li><li>Nu se poate aplica dac\u0103 facturile de energie electric\u0103 sunt restante, este necesar s\u0103 solu\u021biona\u021bi mai \u00eent\u00e2i situa\u021bia;<\/li><li>\u00cen prezent, acest tip de \u00eemprumut este disponibil doar pentru unele state braziliene, \u0219i anume S\u00e3o Paulo, Rio de Janeiro, Cear\u00e1, Goi\u00e1s \u0219i Rio Grande do Sul.<\/li><li>Factura ta de consum va fi mai scumpa pentru cateva luni, deoarece va veni odata cu rata imprumutului.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este demn de remarcat faptul c\u0103 nu trebuie s\u0103 face\u021bi nicio depunere bancar\u0103 pentru a v\u0103 primi \u00eemprumutul. Dac\u0103 compania sau reprezentantul care comunic\u0103 cu dvs. v\u0103 solicit\u0103 s\u0103 face\u021bi o depunere, fi\u021bi suspicios, deoarece ar putea fi o \u00een\u0219el\u0103torie.<\/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=\"5-empr%C3%A9stimo-vale-a-pena-\"><strong>\u00cemprumutul merit\u0103?<\/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=\"Empr\u00e9stimo na conta de luz vale a pena (Imagem: CicloVivo)\"  id=\"18112\" src=\"https:\/\/ucarecdn.com\/adbcc9bb-7b8f-482c-8355-52510c7dfcc6\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">\u00cemprumutul pe factura de electricitate merit\u0103 (Imagine: CicloVivo)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, pentru a \u0219ti dac\u0103 este avantajos s\u0103 pariezi pe un \u00eemprumut pe factura de energie electric\u0103, prima grij\u0103 pe care ar trebui s\u0103 o ai este s\u0103 \u00een\u021belegi foarte bine ce comisioane vor fi percepute \u00eenainte de a \u00eencheia o afacere.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Chiar dac\u0103 ratele dob\u00e2nzilor sunt mai atractive dec\u00e2t cele oferite la \u00eemprumuturile personale, descoperirile de cont sau revolvingul cardului de credit, este important s\u0103 calculezi corect dac\u0103 ratele se potrivesc \u00een buzunar. \u00cen plus, este esen\u021bial s\u0103 afla\u021bi pre\u021bul final al \u00eemprumutului dvs. \u0219i apoi s\u0103 evalua\u021bi dac\u0103 este \u00eentr-adev\u0103r o afacere bun\u0103 pentru dvs.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, poate fi avantajos atunci c\u00e2nd c\u0103uta\u021bi o valoare care nu este prea mare, care este eliberat\u0103 rapid \u00een contul dvs. curent. Pentru cei cu un nume murdar \u0219i au nevoie de bani pentru a pl\u0103ti ni\u0219te datorii, poate fi \u0219i o op\u021biune interesant\u0103.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Important este s\u0103 nu ui\u021bi c\u0103 pentru o lung\u0103 perioad\u0103 de timp factura ta de consum va fi mult mai scump\u0103 dec\u00e2t pl\u0103teai. Dac\u0103 utilizarea energiei \u00een casa dvs. cre\u0219te sau pre\u021bul cre\u0219te dintr-un motiv neprev\u0103zut, acest lucru va afecta \u0219i cheltuielile lunare.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Exist\u0103 \u0219i alte variante pe pia\u021b\u0103 pentru cei care au nevoie de bani rapid, f\u0103r\u0103 birocra\u021bie \u0219i cu dob\u00e2nzi mai mici. Trebuie doar s\u0103 \u00een\u021belegi tarifele \u0219i s\u0103 vezi dac\u0103 aceasta este cea mai viabil\u0103 op\u021biune pentru tine \u00een acel moment.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z16Jqoq\">\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\/serasa-ecred-melhores-opcoes-de-emprestimos-para-negativados\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Serasa eCred: cele mai bune op\u021biuni de \u00eemprumut \">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/a7c7c342-7707-49f9-a745-0465bb10d336\/\" 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\/serasa-ecred-melhores-opcoes-de-emprestimos-para-negativados\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Serasa eCred: cele mai bune op\u021biuni de \u00eemprumut \">\n            Serasa eCred: cele mai bune op\u021biuni de \u00eemprumut         <\/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            \u0218tia\u021bi c\u0103 este posibil s\u0103 ob\u021bine\u021bi un \u00eemprumut chiar dac\u0103 sunte\u021bi negativ? A\u0219a e, cunoa\u0219te-te pe Serasa eCred \u0219i ie\u0219i din ro\u0219u        <\/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\/ro\/serasa-ecred-melhores-opcoes-de-emprestimos-para-negativados\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <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\/ro\/serasa-ecred-melhores-opcoes-de-emprestimos-para-negativados\/\"  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\/a7c7c342-7707-49f9-a745-0465bb10d336\/\">          \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                Serasa eCred: cele mai bune op\u021biuni de \u00eemprumut              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/serasa-ecred-melhores-opcoes-de-emprestimos-para-negativados\/\"  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 s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/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=\"6-empresas-que-fazem-empr%C3%A9stimo-para-negativado\">Companii care fac \u00eemprumut pentru negativ<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a-\u021bi oferi siguran\u021b\u0103, este posibil s\u0103 aplici pentru \u00eemprumut cu companii care ofer\u0103 securitate \u0219i rezultate \u00een pia\u021b\u0103. Prin urmare, pute\u021bi conta pe companii legate de Serasa eCred.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acesta este un site financiar care simuleaz\u0103 \u00eemprumuturi. Acolo, pute\u021bi g\u0103si to\u021bi partenerii de \u00eencredere \u00eentr-un singur loc.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a aplica, pur \u0219i simplu accesa\u021bi site-ul web, \u00eenregistra\u021bi-v\u0103 \u0219i solicita\u021bi simularea. Apoi, a\u0219tepta\u021bi r\u0103spunsul \u0219i contacta\u021bi compania prezentat\u0103. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Verifica\u021bi lista companiilor disponibile prin Serasa eCred:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul id=\"block-b8335ce8-8042-456f-8fa8-e52bbc366887\"><li>Legendar;<\/li><li>BMS;<\/li><li>Da Credite simple;<\/li><li>Banca Bari;<\/li><li>Super Da;<\/li><li>Totul pentru mine;<\/li><li>Biorc;<\/li><li>Geru;<\/li><li>Credite;<\/li><li>Finmax;<\/li><li>Jeitto;<\/li><li>rebel,<\/li><li>Financial BV;<\/li><li>BCredi;<\/li><li>Crefaz;<\/li><li>Simplifica;<\/li><li>Ferratum;<\/li><li>Finan\u021barea valorii.<\/li><\/ul>\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=\"7-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: Ag\u00eanciaBrasil)\"  id=\"18113\" src=\"https:\/\/ucarecdn.com\/1de95ca7-1eea-48c0-8cc7-3345f0b736a7\/\" 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: Ag\u00eanciaBrasil)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aici a\u021bi v\u0103zut c\u0103 factura dvs. de energie electric\u0103 poate fi mai mult dec\u00e2t simpla \u00eenc\u0103rcare a serviciilor de energie pentru luna. Aceast\u0103 factur\u0103 v\u0103 poate ajuta s\u0103 ob\u021bine\u021bi creditul de care ave\u021bi nevoie pentru a pl\u0103ti datorii, pentru a face investi\u021bii \u0219i altele.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar, ai verificat si dezavantajele, precautiile necesare si cand sa aplici sau nu credit pentru a nu-ti complica si mai mult viata financiara si a te da datorii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bucura\u021bi-v\u0103 de con\u021binut, face\u021bi-v\u0103 planificarea financiar\u0103 \u0219i asigura\u021bi-v\u0103 cele mai bune alegeri. Pentru aceasta, \u00eempreun\u0103 cu alt con\u021binut pe care \u00eel producem pentru a v\u0103 ajuta s\u0103 v\u0103 \u00eembun\u0103t\u0103\u021bi\u021bi f<a style=\" color:;\" href=\"https:\/\/senhorpanda.com\/ro\/5-dicas-para-iniciar-seu-controle-financeiro\/\">i<\/a>nance!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-LVRxJ\">\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\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"5 sfaturi pentru a \u00eencepe controlul financiar\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/98f49f72-8ecd-4a5b-bd0e-7a1e97ec746d\/\" 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\/5-dicas-para-iniciar-seu-controle-financeiro\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"5 sfaturi pentru a \u00eencepe controlul financiar\">\n            5 sfaturi pentru a \u00eencepe controlul financiar        <\/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            Exist\u0103 c\u00e2teva modalit\u0103\u021bi de a \u00eencepe planificarea financiar\u0103, inclusiv aplica\u021bii care v\u0103 pot ajuta \u00een acest proces! Consulta\u021bi sfaturile de neratat pe care vi le-am separat.        <\/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\/ro\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <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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Vede\u021bi acum cum func\u021bioneaz\u0103 aceast\u0103 modalitate.<\/p>","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[36],"tags":[102,258,257,62],"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>Empr\u00e9stimo na conta de luz: como funciona? Saiba tudo agora<\/title>\n<meta name=\"description\" content=\"Sabia que \u00e9 poss\u00edvel fazer empr\u00e9stimo na conta de luz de forma f\u00e1cil e r\u00e1pida? 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