{"id":22578,"date":"2021-05-21T14:58:00","date_gmt":"2021-05-21T14:58:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=22578"},"modified":"2021-05-21T00:40:02","modified_gmt":"2021-05-21T00:40:02","slug":"emprestimo-para-pagar-divida-vale-a-pena","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/emprestimo-para-pagar-divida-vale-a-pena\/","title":{"rendered":"Merit\u0103 un \u00eemprumut pentru achitarea datoriilor?"},"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-%C3%A9-vantagem-pegar-empr%C3%A9stimo-para-quitar-d%C3%ADvidas\">\u00c9 vantagem pegar empr\u00e9stimo para quitar d\u00edvidas?<\/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 para pagar d\u00edvida vale a pena? Imagem: O presente\"  id=\"22579\" src=\"https:\/\/ucarecdn.com\/32cb1084-7038-43c7-98b3-ba8730f9c060\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Empr\u00e9stimo para pagar d\u00edvida vale a pena? Imagem: O presente<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De in\u00edcio, estar endividado \u00e9 um problema para centenas de pessoas no Brasil inteiro. Nos \u00faltimos anos, esse n\u00famero tem crescido cada vez mais em decorr\u00eancia de v\u00e1rios fatores. Mas, como pagar todas as d\u00edvidas e viver uma vida tranquila? Ser\u00e1 que conseguir empr\u00e9stimo para pagar d\u00edvida \u00e9 uma boa sa\u00edda?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Hoje, \u00e9 sobre isso que falaremos e vamos te mostrar se essa \u00e9 uma alternativa para o seu caso, isso porque, em alguns momentos os empr\u00e9stimos podem ajudar no or\u00e7amento dom\u00e9stico, mas, em outros podem acabar prejudicando ainda mais as finan\u00e7as!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, vamos ver se vale a pena pegar empr\u00e9stimo para quitar as d\u00edvidas! Confira!<\/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-quando-vale-a-pena-pegar-empr%C3%A9stimo-para-pagar-d%C3%ADvidas-\"><strong>Quando vale a pena pegar empr\u00e9stimo para pagar d\u00edvidas?<\/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 para pagar d\u00edvida vale a pena? Imagem: Migalhas\"  id=\"22580\" src=\"https:\/\/ucarecdn.com\/966bbc3b-2c0b-46df-83cb-25c09034751a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Empr\u00e9stimo para pagar d\u00edvida vale a pena? Imagem: Migalhas<\/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, n\u00e3o \u00e9 de hoje que a grande maioria dos endividados optam pelos empr\u00e9stimos para quitar d\u00edvidas e solucionar problemas de um jeito mais r\u00e1pido e simples, pensando assim estarem se livrando de uma grande dor cabe\u00e7a 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>Contudo, a maioria deles tamb\u00e9m j\u00e1 se arrependeu de ter pego empr\u00e9stimo em algum momento em que os juros eram muito maiores do que o valor total da pr\u00f3pria d\u00edvida!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, antes de se decidir se vale ou n\u00e3o pegar um empr\u00e9stimo para pagar d\u00edvida, continue a leitura que vamos te dar algumas dicas para voc\u00ea saber quando vale a pena pegar um empr\u00e9stimo! Confira!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z23zgME\">\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\/dicas-para-economizar-na-hora-de-quitar-divida\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Sfaturi pentru economisirea la plata datoriilor\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/e89afdd5-590a-4064-8648-cc76aa0b5f2e\/\" 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\/dicas-para-economizar-na-hora-de-quitar-divida\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Sfaturi pentru economisirea la plata datoriilor\">\n            Sfaturi pentru economisirea la plata datoriilor        <\/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            Vrei s\u0103 \u0219tii cum s\u0103 economise\u0219ti pentru a pl\u0103ti datoria? Vede\u021bi acum cele mai bune sfaturi \u0219i m\u0103suri de precau\u021bie pentru a v\u0103 \u00eembun\u0103t\u0103\u021bi finan\u021bele.\n\n        <\/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\/dicas-para-economizar-na-hora-de-quitar-divida\/\"  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? 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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\/ro\/dicas-para-economizar-na-hora-de-quitar-divida\/\"  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\/e89afdd5-590a-4064-8648-cc76aa0b5f2e\/\">          \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                Sfaturi pentru economisirea la plata datoriilor              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/dicas-para-economizar-na-hora-de-quitar-divida\/\"  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<h3 id=\"2-taxa-de-juros-do-empr%C3%A9stimo-%C3%A9-menor-\"><strong>Taxa de juros do empr\u00e9stimo \u00e9 menor<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De in\u00edcio, pegar um empr\u00e9stimo para pagar d\u00edvida vale a pena quanto a taxa de juros do empr\u00e9stimo \u00e9 menor do que a d\u00edvida que precisa ser quitada. Isso porque, se as taxas forem maiores, n\u00e3o far\u00e1 sentido e voc\u00ea estar\u00e1 apenas trocando uma d\u00edvida por outra.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, se os juros do empr\u00e9stimo \u00e9 menor do que o da pr\u00f3pria d\u00edvida, a\u00ed sim vale a pena a pena, j\u00e1 que voc\u00ea gastaria menos e teria um prazo maior para quitar o d\u00e9bito!<\/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-bom-desconto-para-pagar-antecipado-\"><strong>Bom desconto para pagar antecipado<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra dica \u00e9 quando o empr\u00e9stimo tem um bom desconto se voc\u00ea pagar antecipado. Ou seja, quando o credor opta por reduzir o os valores para n\u00e3o deixar de receber. Nesses casos, \u00e9 uma excelente oportunidade em pegar o empr\u00e9stimo e assim fazer essa troca.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E al\u00e9m disso, se a institui\u00e7\u00e3o respons\u00e1vel pelo empr\u00e9stimo n\u00e3o dizer nada a respeito, voc\u00ea mesmo pode negociar o desconto por pagamento antecipado. Isso porque, h\u00e1 v\u00e1rias institui\u00e7\u00f5es que oferecem essa possibilidade buscando negocia\u00e7\u00f5es r\u00e1pidas!<\/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-para-evitar-juros-do-cr%C3%A9dito-rotativo-\"><strong>Para evitar juros do cr\u00e9dito rotativo<\/strong><\/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=\"Empr\u00e9stimo para pagar d\u00edvida vale a pena? Imagem: Conex\u00e3o Fintech\"  id=\"22581\" src=\"https:\/\/ucarecdn.com\/6cf233e0-f5a1-4d58-b387-4665f69bbcdb\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Empr\u00e9stimo para pagar d\u00edvida vale a pena? Imagem: Conex\u00e3o Fintech<\/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 cr\u00e9dito rotativo \u00e9 um tipo de cr\u00e9dito que funciona como um empr\u00e9stimo de emerg\u00eancia, sendo oferecido aos clientes de cart\u00f5es de cr\u00e9dito que n\u00e3o conseguem pagar a fatura inteira do cart\u00e3o, ou seja, o valor total da fatura. Nisso, para n\u00e3o deixar de pagar, os clientes costumam aceitar o cr\u00e9dito rotativo!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O fato \u00e9 que os juros deste cr\u00e9dito s\u00e3o bastante altos, ent\u00e3o, pedir outro empr\u00e9stimo para pagar a fatura do cart\u00e3o de cr\u00e9dito e, assim, evitar os juros do cr\u00e9dito rotativo tamb\u00e9m \u00e9 uma excelente alternativa! Na verdade, optar sempre por pagar a fatura total do cart\u00e3o \u00e9 a melhor hip\u00f3tese!<\/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-limpar-o-nome-\"><strong>Limpar o nome<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Na hora de pedir um empr\u00e9stimo, limpar o nome tamb\u00e9m \u00e9 um dos fatores importantes a se pensar. Se voc\u00ea est\u00e1 com o nome sujo e pend\u00eancias junto aos bir\u00f4s de cr\u00e9dito como SPC e SERASA, \u00e9 uma alternativa optar por um empr\u00e9stimo e assim quitar os d\u00e9bitos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque, o nome sujo atrapalha em v\u00e1rias \u00e1reas da vida, inclusive, para solicitar cart\u00f5es de cr\u00e9dito, abrir conta em banco, comprar um carro ou uma casa. Ent\u00e3o, esse \u00e9 com certeza um dos principais motivos a se pensar na hip\u00f3tese de um empr\u00e9stimo!<\/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-cuidado-empr%C3%A9stimo-para-quitar-d%C3%ADvida-n%C3%A3o-pode-comprometer-sua-vida-financeira-\"><strong>Cuidado: empr\u00e9stimo para quitar d\u00edvida n\u00e3o pode comprometer sua vida financeira<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para fechar, nossa \u00faltima dica e a mais importante \u00e9 que o empr\u00e9stimo financeiro n\u00e3o pode comprometer sua vida financeira. Isso porque, os empr\u00e9stimos funcionam para trazer mais conforto e praticidade na hora de quitar os d\u00e9bitos financeiros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, se for buscar um empr\u00e9stimo que traga mais problemas do que solu\u00e7\u00f5es, n\u00e3o far\u00e1 nenhum sentido! Sendo mais interessante, optar por permanecer com as mesmas contas! Portanto, na hora de escolher um empr\u00e9stimo, preste aten\u00e7\u00e3o em todos os pr\u00f3s e os contras que ele oferece!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2mIi6U\">\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\/07-dicas-para-quitar-as-dividas-em-2021-saia-ja-do-vermelho\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"07 sfaturi pentru achitarea datoriilor \u00een 2021\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/d52500d0-b1bf-4086-a615-e9c8c3b583b9\/\" 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\/07-dicas-para-quitar-as-dividas-em-2021-saia-ja-do-vermelho\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"07 sfaturi pentru achitarea datoriilor \u00een 2021\">\n            07 sfaturi pentru achitarea datoriilor \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            Vrei sfaturi pentru achitarea datoriilor \u00een 2021? Atunci \u0219tii c\u0103 e\u0219ti \u00een locul potrivit! 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\u00c9 sobre isso que vamos falar hoje e te dar dicas para que voc\u00ea cuide das suas finan\u00e7as! 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