{"id":22826,"date":"2021-05-27T04:08:39","date_gmt":"2021-05-27T04:08:39","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=22826"},"modified":"2021-05-27T18:17:07","modified_gmt":"2021-05-27T18:17:07","slug":"consorcio-vale-a-pena","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/consorcio-vale-a-pena\/","title":{"rendered":"Consor\u021biu merit\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-saiba-quando-um-cons%C3%B3rcio-vale-a-pena\">Afla\u021bi c\u00e2nd merit\u0103 un consor\u021biu<\/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=\"Saiba quando vale a pena fazer um cons\u00f3rcio\"  id=\"22827\" src=\"https:\/\/ucarecdn.com\/edb42e13-30d1-4999-b9d7-a603fa960ff7\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Afla\u021bi c\u00e2nd merit\u0103 s\u0103 face\u021bi un consor\u021biu<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru cei care doresc s\u0103 achizi\u021bioneze un activ de mare valoare, exist\u0103 c\u00e2teva op\u021biuni de credit care pot fi modalit\u0103\u021bi bune de a ajunge acolo mai repede. Una dintre cele mai comune forme \u00een r\u00e2ndul brazilienilor este Consor\u021biul. Dar chiar merit\u0103 un consor\u021biu?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, dac\u0103 v\u0103 \u00eentreba\u021bi acela\u0219i lucru, nu v\u0103 face\u021bi griji! Pentru c\u0103 am adunat \u00een acest articol tot ce ve\u021bi avea nevoie despre consor\u021biu, principalele sale caracteristici, punctele pozitive \u0219i negative. Astfel, la finalul lecturii tale vei avea deja o idee mai buna daca acest tip de credit va fi mai avantajos in cazul tau.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar mai \u00eent\u00e2i, ce zici s\u0103 \u00eencepem prin a \u00een\u021belege principalele caracteristici ale unui consor\u021biu \u0219i cum func\u021bioneaz\u0103 acesta? \u00cen acest fel, s\u0103 decizi c\u0103 merit\u0103 un consor\u021biu va deveni mult mai simplu, nu-i a\u0219a?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219a c\u0103 continu\u0103 s\u0103 cite\u0219ti \u0219i verific\u0103-l mai jos!<\/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-um-cons%C3%B3rcio\">Ce este un consor\u021biu?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 pentru a decide dac\u0103 un consor\u021biu chiar merit\u0103, s\u0103 \u00eencepem prin a vorbi mai multe despre el..<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, \u00een cazul consor\u021biului, exist\u0103 mult\u0103 confuzie cu finan\u021barea comun\u0103. Cu toate acestea, de\u0219i consor\u021biul se potrive\u0219te ca tip de finan\u021bare, are propriile sale caracteristici. A\u0219adar, ajunge s\u0103 fie destul de diferit\u0103 de alte tipuri de finan\u021bare, precum imobiliare, un alt tip de finan\u021bare cel mai c\u0103utat de brazilieni.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, ceea ce se va \u00eent\u00e2mpla \u00eentr-un consor\u021biu este c\u0103 mul\u021bi oameni \u2013 fie persoane fizice sau juridice \u2013 se vor reuni pentru a achizi\u021biona \u00eempreun\u0103 un activ de mare valoare. Adic\u0103, grupul ac\u021bioneaz\u0103 ca \u0219i cum ar fi un fel de cont de economii pentru a putea achizi\u021biona bunuri de mare valoare precum:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>automobile;<\/li><li>servicii variate, precum c\u0103l\u0103torii, petreceri de nunt\u0103, proceduri de s\u0103n\u0103tate etc.;&nbsp;<\/li><li>propriet\u0103\u021bi.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar cele mai populare tipuri \u00een Brazilia sunt cele care vizeaz\u0103 achizi\u021bionarea de ma\u0219ini \u0219i motociclete, fie noi sau semi-noi. In plus, exista chiar si consortii pentru achizitionarea de camioane, avioane, pentru retehnologizare, constructii etc.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, aceast\u0103 uniune se afl\u0103 sub responsabilitatea unui Administrator de Consor\u021biu care, ca \u0219i institu\u021biile financiare, are nevoie \u0219i de aprobarea \u0219i supravegherea B\u0103ncii Centrale a Braziliei.<\/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-quais-as-taxas-de-um-cons%C3%B3rcio\">Care sunt taxele pentru un consor\u021biu?<\/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 taxas de um cons\u00f3rcio?\"  id=\"22828\" src=\"https:\/\/ucarecdn.com\/c2305af4-3d91-4bf9-8c8c-3faf77f244db\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Care sunt taxele pentru un consor\u021biu?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Fond comun: suma pe care to\u021bi membrii consor\u021biului o pl\u0103tesc este utilizat\u0103 pentru formarea acestui fond. Astfel, cuantumul lunar al ratelor pentru fondul comun se calculeaz\u0103 printr-un procent din valoarea creditului pe care to\u021bi l-au contractat;<\/li><li>Comision de administrare: in acest caz, este taxa pe care membrii consortiului il vor plati administratorului, care va presta servicii de management al consortiului;<\/li><li>Fond de rezerv\u0103: acest fond este destinat s\u0103 protejeze grupul, acoperind incapacit\u0103\u021bile \u0219i alte cheltuieli care pot ap\u0103rea \u00een timpul consor\u021biului;<\/li><li>Asigurare: contractul de asigurare intervine pentru a garanta c\u0103 plata ratelor va continua \u00een cazul decesului sau ne\u00eendeplinirii obliga\u021biilor a oric\u0103rui asigurat membru al consor\u021biului.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar pentru a decide dac\u0103 un consor\u021biu merit\u0103 cu adev\u0103rat, \u00een\u021belege\u021bi c\u0103 taxele care vor ap\u0103rea \u00een comun \u00eentre toate op\u021biunile de administrator al consor\u021biului sunt doar taxa de administrare \u0219i fondul comun.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 celelalte taxe variaz\u0103 \u00een func\u021bie de administratorul pe care \u00eel alege\u021bi pentru consor\u021biul dumneavoastr\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=\"3-qual-a-vantagem-de-fazer-um-cons%C3%B3rcio-\">Care este avantajul form\u0103rii unui consor\u021biu? <\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 un consor\u021biu merit\u0103 atunci c\u00e2nd iei \u00een calcul c\u0103 principalul avantaj este c\u0103 nu trebuie s\u0103 pl\u0103te\u0219ti un avans, a\u0219a cum se \u00eent\u00e2mpl\u0103, de exemplu, \u00een finan\u021bare. \u00cen plus, nu exist\u0103 dob\u00e2nd\u0103 la ratele consor\u021biului, \u00eenc\u0103 un avantaj!&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar exist\u0103 \u0219i un avantaj mai pu\u021bin cunoscut de oameni: consor\u021biul va putea profita \u0219i de FGTS-ul s\u0103u pentru a achita sau amortiza soldul debitorului cu institu\u021bia financiar\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, exist\u0103 o mare varietate de op\u021biuni de administrator de consor\u021biu, cu oferte variate de condi\u021bii pentru termene limit\u0103 \u0219i credite. Exist\u0103 \u00eens\u0103 \u0219i avantajul c\u0103 po\u021bi face un consor\u021biu nu numai pentru achizi\u021bionarea de bunuri, ci \u0219i pentru a planifica \u0219i achizi\u021biona diverse alte tipuri de servicii, cum ar fi c\u0103l\u0103toriile, de exemplu.<\/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=\"4-qual-a-desvantagem-de-fazer-um-cons%C3%B3rcio\">Care sunt dezavantajele form\u0103rii unui consor\u021biu?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 uneori un consor\u021biu nu merit\u0103 pentru un mic detaliu. Pe scurt, unul dintre principalele dezavantaje ale consor\u021biului este \u00eensu\u015firea bunului de mare valoare, care nu se produce imediat ca \u00eentr-o finan\u0163are. Astfel, cine angajeaz\u0103 un consor\u021biu va putea dob\u00e2ndi dreptul de bun la \u00eenceputul pl\u0103\u021bii, sau \u00eel va putea dob\u00e2ndi doar la sf\u00e2r\u0219itul tuturor ratelor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adic\u0103, poate dura mult timp pentru a ob\u021bine acces la activul de mare valoare. Pentru c\u0103 va depinde de norocul t\u0103u \u00een timpul pl\u0103\u021bii ratelor \u0219i a diverselor tombole care vor contempla mereu unul dintre membrii grupului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, po\u021bi avea norocul s\u0103 ob\u021bii bunul de mare valoare \u00eentr-una dintre primele extrageri, bucur\u00e2ndu-te de el deja \u00een timpul stingerii datoriilor. Exista insa si posibilitatea de a plati toate ratele fara a fi tras, si de a primi bunul doar dupa rambursarea datoriei.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe scurt, pute\u021bi ajunge s\u0103 pl\u0103ti\u021bi pentru tot f\u0103r\u0103 s\u0103 v\u0103 bucura\u021bi de bine \u00eenainte de a pl\u0103ti \u00eentreaga sum\u0103 a consor\u021biului.<\/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-quando-o-cons%C3%B3rcio-vale-a-pena\">C\u00e2nd merit\u0103 consor\u021biul?<\/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=\"Quando o cons\u00f3rcio vale a pena?\"  id=\"22829\" src=\"https:\/\/ucarecdn.com\/e9801fda-13f9-4210-a823-7f348440d1f0\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >C\u00e2nd merit\u0103 consor\u021biul?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, a\u0219a cum spuneam, consor\u021biul reune\u0219te un grup de oameni care pot fi fizici sau juridici, pentru a dob\u00e2ndi \u00eempreun\u0103 un bun. Apoi, to\u021bi participan\u021bii la consor\u021biu vor pl\u0103ti ratele \u00eemp\u0103r\u021bite la num\u0103rul de persoane din consor\u021biu, care are un Administrator de consor\u021biu pentru a gestiona \u00eentregul proces.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In acest fel, valoarea ratelor ajunge sa devina mult mai mica iar termenele de plata sunt mai usoare pentru client. A\u0219adar, consor\u021biul merit\u0103 \u0219i poate fi o alegere bun\u0103 pentru cei care doresc s\u0103 achizi\u021bioneze un bun cu rate mai mici \u0219i cu \u0219anse de a putea achizi\u021biona bunul \u00eenainte de termen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 odat\u0103 cu Consor\u021biul, extragerile au loc lunar \u00eentre membrii participan\u021bi. Apoi, unul dintre ei este ales s\u0103 ia bunul pentru care pl\u0103teau \u00eenainte de a finaliza toate ratele. Prin urmare, consor\u021biul poate ajunge s\u0103 fie destul de avantajos pentru tine.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, un consor\u021biu merit\u0103 \u0219i devine o op\u021biune bun\u0103, atunci c\u00e2nd persoana nu are nevoie s\u0103 se bucure imediat de bun \u0219i este capabil\u0103 s\u0103 pl\u0103teasc\u0103 ratele pe termen lung \u00eentre timp.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, un consor\u021biu poate fi utilizat \u00een diferite scopuri, cum ar fi bunuri \u0219i servicii. Dar trebuie s\u0103 ave\u021bi grij\u0103 dac\u0103 a\u021bi ajuns la concluzia c\u0103 consor\u021biul merit\u0103 \u0219i dori\u021bi s\u0103 participa\u021bi la unul.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, consulta\u021bi sfaturile noastre de \u00eengrijire de mai jos!<\/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-tenha-um-bom-perfil-de-cr%C3%A9dito\">Ai un profil de credit bun<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 pentru a participa \u00eentr-un consor\u021biu, va trebui s\u0103 treci prin evaluarea creditului. Deci, dac\u0103 nu este o evaluare pozitiv\u0103, s-ar putea s\u0103 ajungi la cap\u0103tul cozii \u0219i s\u0103 a\u0219tep\u021bi p\u00e2n\u0103 vei achita toate ratele \u00eenainte de a te bucura de bine.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2aLvgE\">\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-promove-acao-para-quitar-dividas-em-2021\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Serasa promoveaz\u0103 ac\u021biunile consumatorilor pentru stingerea datoriilor\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/4356d3d5-6503-4f29-b95f-2d53291d2b52\/\" 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-promove-acao-para-quitar-dividas-em-2021\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Serasa promoveaz\u0103 ac\u021biunile consumatorilor pentru stingerea datoriilor\">\n            Serasa promoveaz\u0103 ac\u021biunile consumatorilor pentru stingerea 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            Serasa, \u00een parteneriat cu mai multe companii, promoveaz\u0103 o ac\u021biune pentru consumator de stingere a datoriilor \u00een 2021. Reducerile pot ajunge la 90%. Verific\u0103!\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\/serasa-promove-acao-para-quitar-dividas-em-2021\/\"  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-promove-acao-para-quitar-dividas-em-2021\/\"  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\/4356d3d5-6503-4f29-b95f-2d53291d2b52\/\">          \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 promoveaz\u0103 ac\u021biunile consumatorilor pentru stingerea datoriilor              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/serasa-promove-acao-para-quitar-dividas-em-2021\/\"  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=\"7-pesquise-sobre-a-administradora\">Caut\u0103 admin<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este esen\u021bial s\u0103 cunoa\u0219te\u021bi securitatea \u0219i soliditatea administratorului care va fi responsabil pentru consor\u021biu. Deci, face\u021bi o mul\u021bime de cercet\u0103ri despre administrator \u00een prealabil. In plus, verifica la Banca Centrala daca esti manager cu autorizatie de a actiona, daca nu ai litigii legale etc.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 atunci vei avea siguran\u021ba de a decide dac\u0103 acel consor\u021biu chiar merit\u0103 pentru tine. Deci, cerceteaz\u0103 bine \u0219i evit\u0103 frauda \u0219i durerea de cap, nu?<\/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=\"8-tenha-certeza-de-que-n%C3%A3o-h%C3%A1-urg%C3%AAncia\">Asigura\u021bi-v\u0103 c\u0103 nu exist\u0103 urgen\u021b\u0103<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219a cum am spus, una dintre caracteristicile unui consor\u021biu este posibilitatea de a-\u021bi lua mult timp s\u0103 te bucuri de bunul pe care vrei s\u0103-l dob\u00e2nde\u0219ti. Adic\u0103, un consor\u021biu merit\u0103 doar pentru tine, dac\u0103 \u00eentr-adev\u0103r nu este urgent s\u0103 de\u021bii binele \u00een acest moment.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, asigur\u0103-te c\u0103 nu ai nevoie de el acum \u0219i c\u0103 \u00een cele din urm\u0103 po\u021bi a\u0219tepta p\u00e2n\u0103 la sf\u00e2r\u0219itul sumei totale a consor\u021biului, \u00eenainte de a cump\u0103ra. A\u0219a c\u0103 evi\u021bi disperarea \u0219i dezam\u0103girea pentru c\u0103 nu ai fost atras cur\u00e2nd \u0219i ai r\u0103mas f\u0103r\u0103 binele pe care \u021bi-l dore\u0219ti, mult timp \u0219i uneori p\u00e2n\u0103 la sf\u00e2r\u0219itul consor\u021biului.<\/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=\"9-agora-pesquise-bem-e-s%C3%B3-inicie-um-cons%C3%B3rcio-ao-ter-certeza-de-que-vale-a-pena\">Acum, cerceteaz\u0103 bine \u0219i \u00eencepe un consor\u021biu doar c\u00e2nd e\u0219ti sigur c\u0103 merit\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=\"Agora, pesquise bem e s\u00f3 inicie um cons\u00f3rcio ao ter certeza de que vale a pena\"  id=\"22830\" src=\"https:\/\/ucarecdn.com\/4c18c4e4-228c-47cd-8074-f1252f48891f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Acum, cerceteaz\u0103 bine \u0219i \u00eencepe un consor\u021biu doar c\u00e2nd e\u0219ti sigur c\u0103 merit\u0103<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Practic, rezum\u00e2nd tot ce am spus p\u00e2n\u0103 acum, pentru ca un consor\u021biu s\u0103 fie ceva util, trebuie s\u0103 \u00eendepline\u0219ti trei caracteristici de baz\u0103:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>Nu are bani s\u0103 cumpere bunul pe care \u0219i-l dore\u0219te \u00een numerar;<\/li><li>Nu exist\u0103 nicio urgen\u021b\u0103 s\u0103 dob\u00e2nde\u0219ti \u0219i s\u0103 te bucuri de binele acum sau \u00een cur\u00e2nd;<\/li><li>\u00cen sf\u00e2r\u0219it, s\u0103 ai un profil pe care nu ai putea s\u0103 economise\u0219ti acea sum\u0103 singur \u00een fiecare lun\u0103 sau s\u0103 investe\u0219ti \u00eentr-o aplica\u021bie.<\/li><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 consor\u021biul ajunge s\u0103 ac\u021bioneze ca un fel de rezerv\u0103 sau investi\u021bie, dar cu obliga\u021bia s\u0103 depui acea sum\u0103 \u00een fiecare lun\u0103 pentru achitarea ratelor consor\u021biului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, dac\u0103 v\u0103 potrivi\u021bi acest profil cu aceste caracteristici principale, probabil ve\u021bi constata c\u0103 un consor\u021biu merit\u0103! Dar aminti\u021bi-v\u0103 s\u0103 v\u0103 lua\u021bi m\u0103surile de precau\u021bie despre care am vorbit mai devreme, bine?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, cerceta\u021bi \u00eentotdeauna tot ce pute\u021bi despre administratorul responsabil de consor\u021biu \u00eenainte de a \u00eencheia orice contract. De asemenea, verifica\u021bi scorul dvs. de credit \u0219i asigura\u021bi-v\u0103 c\u0103 ve\u021bi putea trece o evaluare a creditului, astfel \u00eenc\u00e2t s\u0103 nu ajunge\u021bi s\u0103 suferi\u021bi pierderi prin \u00eempiedicarea particip\u0103rii la tombole \u00een timpul consor\u021biului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103, a\u0219a cum am spus, cei care au un scor de credit prost nu vor putea achizi\u021biona bunul \u00eenainte de a pl\u0103ti valoarea total\u0103 a consor\u021biului. Astfel, un consor\u021biu poate s\u0103 nu fie o op\u021biune util\u0103 \u00een aceste cazuri.<\/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=\"10-conclus%C3%A3o\">Concluzie<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219a c\u0103 am ajuns la sf\u00e2r\u0219itul articolului nostru exclusiv cu tot ce trebuie s\u0103 \u0219ti\u021bi despre consor\u021bii \u0219i dac\u0103 merit\u0103 s\u0103 participa\u021bi la unul. Acum, lua\u021bi toate informa\u021biile pe care le-a\u021bi \u00eenv\u0103\u021bat aici cu noi \u0219i face\u021bi o cercetare bun\u0103 \u00eenainte de a intra \u00een orice acord de consor\u021biu, ok?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, sper\u0103m c\u0103 \u00ee\u021bi va fi mai u\u0219or s\u0103 decizi dac\u0103 un consor\u021biu este ceea ce merit\u0103 pentru tine, \u0219i toate caracteristicile care implic\u0103 un contract de acest tip. Pentru c\u0103 dac\u0103 \u0219tii s\u0103 cercetezi \u0219i s\u0103 faci un bun acord de consor\u021biu, po\u021bi ajunge s\u0103 te descurci foarte bine \u0219i s\u0103 iei bine \u00een primele tran\u0219e, sau nu.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Asadar, stai cu ochii pe toate conditiile, taxele, tarifele, avantajele, dezavantajele, cine este administratorul etc, ok?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, sper\u0103m c\u0103 acest articol v\u0103 va fi de folos \u00een acest sens, \u0219i chiar mai mult!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1DQJWR\">\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\/consorcio-para-negativado\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Exist\u0103 un consor\u021biu pentru negative?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/72a46fd3-2f07-4db4-9e6b-983aa908d1cc\/\" 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\/consorcio-para-negativado\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Exist\u0103 un consor\u021biu pentru negative?\">\n            Exist\u0103 un consor\u021biu pentru negative?        <\/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 de\u021bine\u021bi un consor\u021biu chiar dac\u0103 este negativ? Afla\u021bi mai multe \u0219i descoperi\u021bi mai jos cele mai bune op\u021biuni.\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\/consorcio-para-negativado\/\"  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\/consorcio-para-negativado\/\"  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\/72a46fd3-2f07-4db4-9e6b-983aa908d1cc\/\">          \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                Exist\u0103 un consor\u021biu pentru negative?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/consorcio-para-negativado\/\"  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>","protected":false},"excerpt":{"rendered":"<p>Un consor\u021biu merit\u0103 dac\u0103 nu te gr\u0103be\u0219ti s\u0103 ai deja binele \u00een acest moment \u0219i \u00ee\u021bi poate aduce avantaje bune. 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