{"id":51705,"date":"2022-03-30T12:00:00","date_gmt":"2022-03-30T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=51705"},"modified":"2022-03-31T01:42:26","modified_gmt":"2022-03-31T01:42:26","slug":"review-emprestimo-pessoal-finanzero","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/review-emprestimo-pessoal-finanzero\/","title":{"rendered":"Revizuirea \u00eemprumuturilor personale FinanZero 2022"},"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>Face\u021bi cuno\u0219tin\u021b\u0103 cu corespondentul bancar cu ofertele perfecte pentru dvs<\/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=\"Veja como \u00e9 f\u00e1cil e r\u00e1pido solicitar o empr\u00e9stimo FinanZero. Fonte: FinanZero.\"  id=\"51804\" src=\"https:\/\/cdn.adtechpanda.com\/9efa44ac-536b-4619-804e-124fcadcb96c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Vezi c\u00e2t de u\u0219or \u0219i rapid este s\u0103 aplici pentru \u00eemprumutul FinanZero. Sursa: FinanZero.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen con\u021binutul de ast\u0103zi, domnul Panda v\u0103 va prezenta o recenzie despre \u00eemprumutul personal FinanZero. Adic\u0103 o postare care \u00ee\u0219i propune s\u0103 aduc\u0103 informa\u021bii complete despre serviciul oferit de companie.<\/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, trebuie s\u0103 \u00een\u021belegem c\u0103 FinanZero este un corespondent bancar a c\u0103rui func\u021bie principal\u0103 este de a oferi clien\u021bilor cele mai bune oferte de creditare. Asta, dup\u0103 ce le-am negociat cu b\u0103ncile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe l\u00e2ng\u0103 oferte, FinanZero urm\u0103re\u0219te s\u0103 aduc\u0103 cele mai bune condi\u021bii de dob\u00e2nd\u0103, rate \u0219i sume disponibile la cerere tuturor clien\u021bilor, inclusiv celor negativi. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Toate acestea printr-o solicitare foarte simpla in cadrul site-ului in sine. Dar fi\u021bi siguri, deoarece am preg\u0103tit deja un ghid pas cu pas cu toate detaliile despre cum s\u0103 aplica\u021bi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Interesat? A\u0219a c\u0103, cite\u0219te mai departe \u0219i verific\u0103-l!<\/p>\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Venit minim<\/strong><\/td><td>nu este necesar<\/td><\/tr><tr><td><strong>Dob\u00e2nd\u0103<\/strong><\/td><td>De la 1.491 TP3T pe lun\u0103<\/td><\/tr><tr><td><strong>Termen de plat\u0103<\/strong><\/td><td>P\u00e2n\u0103 la 36 de luni<\/td><\/tr><tr><td><strong>perioada de lansare<\/strong><\/td><td>depinde de institutie<\/td><\/tr><tr><td><strong>sum\u0103 \u00eemprumutat\u0103<\/strong><\/td><td>Neinformat<\/td><\/tr><tr><td><strong>Accepta\u021bi negative?<\/strong><\/td><td>da<\/td><\/tr><\/tbody><\/table><figcaption>Caracteristici de \u00eemprumut<\/figcaption><\/figure>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-hlAR9\">\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-solicitar-o-emprestimo-finanzero\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru un \u00eemprumut personal FinanZero\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/c6e229d3-305a-4936-b4ca-14e963191581\/\" 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-solicitar-o-emprestimo-finanzero\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru un \u00eemprumut personal FinanZero\">\n            Cum s\u0103 aplici pentru un \u00eemprumut personal FinanZero        <\/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            Vezi c\u00e2t de simplu este s\u0103 aplici pentru \u00eemprumutul personal FinanZero.        <\/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\/como-solicitar-o-emprestimo-finanzero\/\"  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\/como-solicitar-o-emprestimo-finanzero\/\"  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\/c6e229d3-305a-4936-b4ca-14e963191581\/\">          \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                Cum s\u0103 aplici pentru un \u00eemprumut personal FinanZero              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-emprestimo-finanzero\/\"  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>Revizuirea \u00eemprumutului FinanZero: tot ce trebuie s\u0103 \u0219ti\u021bi<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Conhe\u00e7a o empr\u00e9stimo pessoal FinanZero, correspondente banc\u00e1ria ofertas imperd\u00edveis. Fonte: FinanZero.\"  id=\"22906\" src=\"https:\/\/cdn.adtechpanda.com\/af202f7a-aeeb-4ac6-b4f1-746baf74e97f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cunoa\u0219te\u021bi \u00eemprumutul personal FinanZero, oferte de neratat corespondent bancar. Sursa: FinanZero.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>FinanZero nu necesit\u0103 un venit minim \u0219i nu exclude clien\u021bii, \u00een acest caz, pe cei negativi. Adic\u0103 prin aceast\u0103 companie publicul negativ are oportunit\u0103\u021bi de a-\u0219i ob\u021bine mai u\u0219or \u00eemprumutul. Acest lucru se datoreaz\u0103 faptului c\u0103, a\u0219a cum am men\u021bionat deja aici, FinanZero nu este o institu\u021bie financiar\u0103, ci un solicitant de credit.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ce \u00eenseamn\u0103 asta? Prin urmare, compania ac\u021bioneaz\u0103 ca intermediar \u00een proces. Adic\u0103 de la FinanZero, clientul, la \u00eenregistrarea cu profilul s\u0103u, va avea acces la cele mai bune oportunit\u0103\u021bi de creditare care i se potrivesc. Iar mai t\u00e2rziu, pentru a solicita, trebuie doar s\u0103 face\u021bi clic pe op\u021biunea dorit\u0103 care va fi direc\u021bionat\u0103 c\u0103tre site-ul specific al companiei. Dar despre cererea \u00een sine, vom vedea mai t\u00e2rziu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Totu\u0219i, important aici este s\u0103 \u0219ti\u021bi c\u0103 banca corespondent\u0103 negociaz\u0103 cu mai multe institu\u021bii financiare pentru a putea oferi clien\u021bilor s\u0103i cele mai bune credite care le accept\u0103 pe cele negative.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, este corect s\u0103 spunem c\u0103 orice profil financiar este acceptat la FinanZero, doar \u00eentreba\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>taxe si tarife<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ratele la care func\u021bioneaz\u0103 FinanZero sunt celebrele dob\u00e2nzi variabile. Adic\u0103 pot cre\u0219te sau sc\u0103dea \u00een func\u021bie de sumele implicate \u00een negocierea \u0219i aplicarea \u00eemprumutului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest sens, cu c\u00e2t sumele ratelor \u0219i soldul solicitat sunt mai mari, cu at\u00e2t dob\u00e2nzile implicate \u00een \u00eemprumut tind s\u0103 fie mai mari. Din acest motiv, este foarte important s\u0103 faci o simulare de credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, clientul poate avea o idee \u00een avans a sumelor pe care le va pl\u0103ti \u00een dob\u00e2nd\u0103 \u0219i a ratelor de credit solicitate. Re\u021bin\u00e2nd c\u0103 taxele sunt ini\u021bial de 1.49% am, dar depind \u0219i de compania final\u0103 care va deservi clientul.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, merit\u0103 s\u0103 ne amintim c\u0103 \u00eemprumutul solicit\u0103 IOF solicitan\u021bilor. Adic\u0103 impozit pe tranzac\u021biile financiare din cadrul \u00eemprumutului. Totu\u0219i, acestea nu sunt toate taxele care pot fi percepute, deoarece institu\u021biile pot avea taxe de \u00eenregistrare sau chiar asigurare obligatorie.<\/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>Termen de plat\u0103 \u0219i condi\u021bii de rate<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen ciuda faptului c\u0103 ofer\u0103 sume mari de \u00eemprumut, ajung\u00e2nd p\u00e2n\u0103 la R$50 mii pentru solicitan\u021bi, termenele de plat\u0103 pe care FinanZero le pune la dispozi\u021bie nu sunt at\u00e2t de mari \u00een compara\u021bie cu altele disponibile pe pia\u021b\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu alte cuvinte, dup\u0103 ce a solicitat creditul \u0219i a \u00eenceput s\u0103 foloseasc\u0103 sumele implicate \u00een negociere, clientul va avea doar op\u021biunea maxim\u0103 de a pl\u0103ti creditul \u00een 36 de rate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adic\u0103 36 de rate pentru a pl\u0103ti \u00eentregul sold solicitat al creditului de nevoi personale. Aceasta \u00eenseamn\u0103 c\u0103 valorile ratelor tind s\u0103 fie mai mari, iar solicitantul nu va avea mult timp s\u0103 efectueze plata.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In plus, dupa cum am vazut in subiectul anterior, rata dobanzii poate varia in functie de suma solicitata. Ei bine, dac\u0103 o persoan\u0103 solicit\u0103 R$50 mii, ratele vor fi mai mari \u0219i cu dob\u00e2nzi mai mari.<\/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>Avantajele \u00eemprumutului FinanZero<\/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=\"Afinal, quais as vantagens do empr\u00e9stimo? Fonte: Pexels.\"  id=\"51806\" src=\"https:\/\/cdn.adtechpanda.com\/26c2f52c-d208-4cc5-80e6-60af8a9e2591\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >La urma urmei, care sunt avantajele \u00eemprumutului? Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>FinanZero nu percepe bunurile clientului pentru a garanta plata ratelor la credit, deci acesta este un avantaj care poate fi luat in considerare in aceasta recenzie despre imprumutul personal FinanZero.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, cererea de \u00eemprumut este foarte simplu de realizat, folosind site-ul corespondentului oricine poate aplica \u00een c\u00e2teva minute f\u0103r\u0103 a pleca de acas\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, FinanZero ofer\u0103 un instrument de simulare, \u00een care putem efectua toate compara\u021biile ofertelor de \u00eemprumut care vor ajunge dup\u0103 ce vom aplica \u00een cadrul site-ului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Un alt avantaj \u00eel reprezint\u0103 ratele mici, \u00een ciuda faptului c\u0103 sunt variabile, dob\u00e2nzile pot r\u0103m\u00e2ne sc\u0103zute dac\u0103 alegem s\u0103 aplic\u0103m pentru un \u00eemprumut cu rate mai mici \u0219i cu o sum\u0103 mic\u0103 de aplicare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, persoanele cu nereguli \u00een CPF \u0219i care sunt negative pot primi propuneri de \u00eemprumut dup\u0103 ce folosesc site-ul FinanZero pentru a aplica pentru \u00eemprumuturi.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-12Kk0x\">\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\/conheca-o-emprestimo-pessoal-finanzero\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Descoperi\u021bi \u00eemprumutul personal FinanZero\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ce7f2547-66be-41fc-809c-2d8c7b053243\/\" 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\/conheca-o-emprestimo-pessoal-finanzero\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Descoperi\u021bi \u00eemprumutul personal FinanZero\">\n            Descoperi\u021bi \u00eemprumutul personal FinanZero        <\/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            Vezi aici cum func\u021bioneaz\u0103 platforma de \u00eemprumut FinanZero.        <\/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\/conheca-o-emprestimo-pessoal-finanzero\/\"  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\/conheca-o-emprestimo-pessoal-finanzero\/\"  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\/ce7f2547-66be-41fc-809c-2d8c7b053243\/\">          \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                Descoperi\u021bi \u00eemprumutul personal FinanZero              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/conheca-o-emprestimo-pessoal-finanzero\/\"  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>Dezavantajele \u00eemprumutului FinanZero<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Printre dezavantaje, \u00een ciuda faptului c\u0103 se lucreaz\u0103 cu valori mari, mai ales \u00een raport cu cei 50 mii R$50 mii disponibili pentru a aplica, \u00eemprumutul las\u0103 de dorit la capitolul rate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adic\u0103 sunt doar 36 de rate pentru plata creditului \u00een rate, ceea ce poate face ca dob\u00e2nda s\u0103 creasc\u0103 mai mult dec\u00e2t se dore\u0219te \u00een func\u021bie de suma solicitat\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, taxele care se percep pentru negative tind s\u0103 fie mai mari dec\u00e2t de obicei. Acest lucru serve\u0219te pentru a for\u021ba plata \u0219i pentru a evita \u00eent\u00e2rzierile din partea acestui grup specific de persoane care au solicitat \u00eemprumutul.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tot \u00een ceea ce prive\u0219te ratele dob\u00e2nzilor, \u00een ciuda faptului c\u0103 \u00eencep de la aproximativ 1,49% pe lun\u0103, probabil c\u0103 acestea vor cre\u0219te. Putem urm\u0103ri acest lucru \u00een timpul simul\u0103rii creditului de \u00eemprumut.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen fine, ratele de aprobare a negativelor sunt mai mici, chiar \u0219i accept\u00e2nd aceste persoane, \u0219ansele de a fi aprobate sunt de obicei mai mici dec\u00e2t persoanele cu situa\u021bia regularizat\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>procesul de aplicare<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Urma\u021bi ghidul nostru pas cu pas, care este \u00een conformitate cu propriile instruc\u021biuni ale FinanZero pentru a solicita un \u00eemprumut personal de la FinanZero:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Primul pas este accesarea site-ului web FinanZero;<\/li><li>Dup\u0103 aceea, selecta\u021bi op\u021biunea de a aplica pentru un \u00eemprumut;<\/li><li>Seta\u021bi num\u0103rul de rate \u0219i suma solicitat\u0103;<\/li><li>Simula\u021bi valorile, vede\u021bi ofertele \u0219i alege\u021bi-o pe cea mai potrivit\u0103;<\/li><li>A\u0219adar, acum completeaz\u0103 \u00eentregul formular cu datele tale personale;<\/li><li>Gata! Acum doar a\u0219tepta\u021bi analiza FinanZero.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In final, dupa derularea intregului proces de aplicare, cererea este trimisa direct catre echipa FinanZero, care va analiza cererea de imprumut in maxim 5 zile lucratoare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acest proces este necesar \u00een orice institu\u021bie financiar\u0103 pentru a investiga \u00een detaliu dac\u0103 clientul care \u00eel solicit\u0103 poate avea de fapt acces la servicii de credit \u0219i se potrive\u0219te profilului institu\u021biei.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen sf\u00e2r\u0219it, analiza se va \u00eencheia \u0219i vom primi r\u0103spunsul de aprobare la scurt timp dup\u0103 aceea \u0219i, \u00een consecin\u021b\u0103, suma solicitat\u0103 la momentul solicit\u0103rii, a\u0219a cum am v\u0103zut \u00een aceast\u0103 recenzie despre \u00eemprumutul personal FinanZero.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u021ai-au pl\u0103cut informa\u021biile? Vrei s\u0103 afli mai multe despre cum s\u0103 aplici pentru \u00eemprumutul t\u0103u FinanZero? Apoi accesa\u021bi con\u021binutul nostru recomandat.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1AvJrO\">\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-solicitar-o-emprestimo-finanzero\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru un \u00eemprumut personal FinanZero\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/c6e229d3-305a-4936-b4ca-14e963191581\/\" 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-solicitar-o-emprestimo-finanzero\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru un \u00eemprumut personal FinanZero\">\n            Cum s\u0103 aplici pentru un \u00eemprumut personal FinanZero        <\/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            Vezi c\u00e2t de simplu este s\u0103 aplici pentru \u00eemprumutul personal FinanZero.        <\/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\/como-solicitar-o-emprestimo-finanzero\/\"  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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