{"id":57803,"date":"2022-05-06T23:00:00","date_gmt":"2022-05-06T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=57803"},"modified":"2022-05-04T02:23:33","modified_gmt":"2022-05-04T02:23:33","slug":"analise-de-credito-dos-bancos","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/analise-de-credito-dos-bancos\/","title":{"rendered":"Cum se face analiza creditului bancar?"},"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>Ia \u00eenainte c\u00e2nd vine vorba de analiza creditului bancar<\/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=\"An\u00e1lise de cr\u00e9dito \u00e9 um processo inevit\u00e1vel realizado pelas institui\u00e7\u00f5es financeiras, que avalia seu perfil de consumidor. Fonte: Adobe Stock.\"  id=\"57805\" src=\"https:\/\/cdn.adtechpanda.com\/97869beb-ea0a-4d2b-9acb-98fbd14d01e4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Analiza creditului este un proces inevitabil realizat de institu\u021biile financiare, care v\u0103 evalueaz\u0103 profilul de consumator. Sursa: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nu este surprinz\u0103tor pentru nimeni c\u0103 creditul v\u0103 poate ajuta foarte mult atunci c\u00e2nd cump\u0103ra\u021bi un aparat nou sau chiar rezolva\u021bi o problem\u0103 de s\u0103n\u0103tate de urgen\u021b\u0103. \u00cen aceste momente \u0219i \u00een alte momente este esen\u021bial s\u0103 te bazezi pe credit. Totu\u0219i, nu este \u00eentotdeauna u\u0219or s\u0103 treci prin analiza creditului b\u0103ncilor \u0219i s\u0103 garantezi acest serviciu, 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>Adev\u0103rul este c\u0103 s-ar putea s\u0103 fii unul dintre consumatorii care face unele gre\u0219eli \u0219i ajunge s\u0103 e\u0219ueze analiza de credit. Una dintre cele mai importante este s\u0103 nu \u0219tii cum func\u021bioneaz\u0103 acest proces. Cum po\u021bi trece un test f\u0103r\u0103 s\u0103 \u0219tii ce va fi evaluat? G\u00e2ndindu-ne la dumneavoastr\u0103 care ave\u021bi probleme, v\u0103 vom explica totul despre procesul de analiz\u0103 \u00een detaliu.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nu pleca de acolo \u0219i vino cu noi pentru a \u00een\u021belege cum func\u021bioneaz\u0103 analiza creditului b\u0103ncilor!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1rGym3\">\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\/tudo-sobre-o-cadastro-positivo\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Totul despre \u00eenregistrarea pozitiv\u0103\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ca639bd8-bcbd-405c-89ad-2fd1ca1fa5fb\/\" 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\/tudo-sobre-o-cadastro-positivo\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Totul despre \u00eenregistrarea pozitiv\u0103\">\n            Totul despre \u00eenregistrarea pozitiv\u0103        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Dori\u021bi s\u0103 v\u0103 \u00eembun\u0103t\u0103\u021bi\u021bi scorul pentru analiza de credit a b\u0103ncii? Descoperi\u021bi Registrul pozitiv al Serasa.         <\/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\/tudo-sobre-o-cadastro-positivo\/\"  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\/tudo-sobre-o-cadastro-positivo\/\"  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\/ca639bd8-bcbd-405c-89ad-2fd1ca1fa5fb\/\">          \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                Totul despre \u00eenregistrarea pozitiv\u0103              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/tudo-sobre-o-cadastro-positivo\/\"  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>Ce este analiza creditului?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Chiar dac\u0103 uneori este necunoscut\u0103, analiza creditului este foarte prezent\u0103 \u00een opera\u021biunile de credit financiar pe care majoritatea brazilienilor le desf\u0103\u0219oar\u0103 \u00een via\u021ba de zi cu zi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Se \u00eent\u00e2mpl\u0103 atunci c\u00e2nd ceri mai mult credit pentru cardul t\u0103u, iei un \u00eemprumut, finan\u021be \u0219i alte opera\u021biuni care se refer\u0103 la utilizarea creditului.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oricum, s\u0103 ne concentr\u0103m pe r\u0103spunsul la \u00eentrebarea principal\u0103: ce este analiza creditului bancar?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aceast\u0103 procedur\u0103 const\u0103 \u00eentr-o analiz\u0103 a istoricului dumneavoastr\u0103 ca consumator, adic\u0103 a modului \u00een care v\u0103 comporta\u021bi \u00een raport cu pl\u0103\u021bile pe care le efectua\u021bi.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dac\u0103 pl\u0103ti\u021bi la timp, \u00eent\u00e2rzia\u021bi pl\u0103\u021bile, crea\u021bi cu u\u0219urin\u021b\u0103 datorii \u0219i alte puncte. Mai mult, analiza observ\u0103 cum este numele t\u0103u \u00een pia\u021b\u0103, dac\u0103 este murdar sau curat, dac\u0103 exist\u0103 datorii de pl\u0103tit, \u00een negociere, printre altele.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Toate acestea pentru ca b\u0103ncile \u0219i alte institu\u021bii financiare s\u0103 aib\u0103 idee c\u0103 pot avea \u00eencredere \u00een personalul clien\u021bilor lor, dar c\u00e2\u0219tig\u0103 \u00eencredere \u00een acea persoan\u0103. pl\u0103\u021bile dvs. Din aceste puncte, companiile \u0219tiu c\u00e2t de mult credit este posibil s\u0103 elibereze, procentul de dob\u00e2nd\u0103 \u0219i num\u0103rul de rate disponibile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe scurt, analiza creditului este procesul prin care banca \u00ee\u021bi analizeaz\u0103 profilul financiar pentru a se asigura c\u0103 vei primi sumele care au fost acordate \u00een credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen general, dac\u0103 pl\u0103ti\u021bi facturile la timp \u0219i nu acumula\u021bi datorii, analiza creditului b\u0103ncilor nu va fi o problem\u0103 pentru dvs. Vezi cum func\u021bioneaz\u0103 \u00eentregul proces!<\/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>Cum func\u021bioneaz\u0103 o analiz\u0103 de credit?<\/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=\"Afinal, como funciona a an\u00e1lise de cr\u00e9dito? Fonte: Adobe Stock.\"  id=\"57806\" src=\"https:\/\/cdn.adtechpanda.com\/f4f9c0d5-93eb-496f-965e-5c6043e07784\/\" 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, cum func\u021bioneaz\u0103 analiza creditului? Sursa: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen general, tocmai am v\u0103zut c\u0103 obiectivul principal al analizei creditului este acela de a confirma c\u0103 antreprenorul are mijloacele de a pl\u0103ti efectiv sumele solicitate. Pentru a face acest lucru, institu\u021biile iau \u00een considerare c\u00e2teva aspecte specifice.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, ace\u0219tia sunt cei pe care trebuie s\u0103 le cunoa\u0219te\u021bi pentru a face bine \u00een analiza creditului, verifica\u021bi-l:<\/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>date personale&nbsp;<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, compania trebuie s\u0103 te cunoasc\u0103 mai bine, a\u0219a c\u0103 solicit\u0103 informa\u021bii de baz\u0103 precum nume, adres\u0103, CPF, num\u0103r de telefon de contact, stare civil\u0103, educa\u021bie, printre altele.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este important de eviden\u021biat faptul c\u0103 astfel de informa\u021bii pot ajuta foarte mult la stabilirea unei rela\u021bii cu compania. \u00cen general, cu c\u00e2t companiile \u0219tiu mai multe despre via\u021ba personal\u0103 a clien\u021bilor lor, cu at\u00e2t au mai mult\u0103 \u00eencredere \u00een acea persoan\u0103.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest sens, furnizarea de c\u00e2t mai multe informa\u021bii despre via\u021ba ta personal\u0103, financiar\u0103 \u0219i profesional\u0103 va aduce mari beneficii analizei de credit a b\u0103ncilor.<\/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>Probleme cu datorii<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Institu\u021bia consult\u0103 restric\u021biile persoanei fizice sau juridice \u00een conformitate cu operatorii de credit. Scopul principal al acestei p\u0103r\u021bi a analizei este de a identifica dac\u0103 exist\u0103 pl\u0103\u021bi restante sau chiar datorii \u00een numele dumneavoastr\u0103.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aceast\u0103 parte a evalu\u0103rii se desf\u0103\u0219oar\u0103 f\u0103r\u0103 complica\u021bii, \u00eentruc\u00e2t societatea deruleaz\u0103 \u00eentreaga procedur\u0103 folosind CPF (\u00een cazul persoanelor fizice) sau CNPJ (\u00een cazul persoanelor juridice).<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen procesul de analiz\u0103 a restric\u021biilor cadastrale, rezultatele sunt \u00een general<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>CPF\/CNPJ f\u0103r\u0103 restric\u021bii, adic\u0103 nume curat;<\/li><li>Consumator cu un istoric \u00een alert\u0103: \u00een acest caz, creditul este eliberat, dar evaluarea este mai detaliat\u0103.<\/li><li>Consumator cu restric\u021bii de \u00eenregistrare: exist\u0103 datorii, \u00eent\u00e2rzieri, renegocieri sau alte probleme cu plata<\/li><li>CPF\/CNPJ cu impediment: \u00een acest caz, exist\u0103 ac\u021biuni de blocare a activelor, a sistemului financiar sau alte ac\u021biuni fiscale care \u00eempiedic\u0103 efectuarea opera\u021biunilor de creditare.<\/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<h3>Istoria consumatorului&nbsp;<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen aceast\u0103 etap\u0103 a procesului, compania care furnizeaz\u0103 creditul verific\u0103 dac\u0103 pl\u0103ti\u021bi facturile la timp sau dac\u0103 pl\u0103ti\u021bi cu \u00eent\u00e2rziere, \u00een acest din urm\u0103 caz se ia \u00een considerare durata \u00eent\u00e2rzierii.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, compania \u00ee\u0219i consult\u0103 \u0219i durata rela\u021biei cu alte institu\u021bii \u0219i tocmai \u00een acest proces apare Scorul.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Scorul este scorul de la 0 la 1000 care indic\u0103 c\u00e2t de bun pl\u0103titor e\u0219ti. \u00cen func\u021bie de acest scor, compania poate face oferte mai bune pentru tine sau poate reduce unele beneficii.<\/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>Dovada salariului&nbsp;<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Documentele de chitan\u021b\u0103 vor indica realitatea dumneavoastr\u0103 financiar\u0103. De regul\u0103, cei interesa\u021bi de credit trebuie s\u0103 furnizeze dovezi precum Impozitul pe venit, Foaie de salariu \u0219i Pro-labore, astfel \u00eenc\u00e2t compania s\u0103 \u00een\u021beleag\u0103 c\u00e2t de mult credit poate fi eliberat \u00een cazul lor.<\/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>C\u00e2t dureaz\u0103 o analiz\u0103 de credit?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este destul de dificil de stabilit un moment exact pentru analiza creditului deoarece fiecare institu\u021bie are propriul proces specific. Chiar \u0219i a\u0219a, merit\u0103 subliniat faptul c\u0103 analizele online tind s\u0103 fie mult mai rapide, cu o durat\u0103 de maximum cinci zile lucr\u0103toare.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu toate acestea, exist\u0103 \u00eenc\u0103 unele cazuri \u00een care analiza creditului poate dura p\u00e2n\u0103 la cincisprezece zile lucr\u0103toare, chiar \u0219i online. \u00cen plus, procesele pe care companiile le desf\u0103\u0219oar\u0103 fizic tind s\u0103 dureze pu\u021bin mai mult.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Modul ideal de a-\u021bi rezolva \u00eendoielile \u00een acest sens este s\u0103 cau\u021bi oameni care sunt clien\u021bi ai aceleia\u0219i companii pentru a vedea c\u00e2t a durat analiza de credit a b\u0103ncilor. Cu toate acestea, aminti\u021bi-v\u0103 c\u0103 aceast\u0103 dat\u0103 poate fi ceva privat.&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 fiecare CPF\/CNPJ are caracteristicile \u0219i particularit\u0103\u021bile sale, adic\u0103 unele cazuri sunt mai u\u0219or de analizat dec\u00e2t altele. Reciprocul este de asemenea adev\u0103rat.<\/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>Cum se face analiza creditului bancar?<\/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=\"Empresas como o Serasa fazem parte da etapa conclusiva da an\u00e1lise de cr\u00e9dito. Fonte: Serasa.\"  id=\"56008\" src=\"https:\/\/cdn.adtechpanda.com\/4d728cd8-6085-49c8-97f2-f95e8fea9ae5\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Companii precum Serasa fac parte din etapa concludent\u0103 a analizei creditului. Sursa: Serasa.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen general, analiza creditului b\u0103ncilor const\u0103 \u00een dou\u0103 faze principale, \u00een care b\u0103ncile \u00een\u021beleg cu ce tip de clien\u021bi au de-a face \u00een contractul respectiv.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ai avut \u00eendoieli? Deci, \u00een\u021belege\u021bi care sunt aceste faze \u0219i ce se \u00eent\u00e2mpl\u0103 \u00een fiecare dintre ele:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Analiza primar\u0103<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acesta este momentul in care firma solicita toate informatiile necesare pentru a verifica restrictiile din istoricul cumparatorului. Prin urmare, analiza profilului de consum \u0219i alte informa\u021bii complementare intr\u0103 \u00een joc \u00een acest prim moment.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, compania solicit\u0103 documente care s\u0103 dovedeasc\u0103 datele pe care clientul le-a furnizat la momentul \u00eenregistr\u0103rii, precum ID, CPF, adresa, printre altele. Pe l\u00e2ng\u0103 acestea, uneori este necesar\u0103 dovada veniturilor. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 aceast\u0103 evaluare preliminar\u0103, compania va analiza profilul \u0219i istoricul pl\u0103\u021bilor. \u00cen acest caz, dac\u0103 rezultatul este pozitiv, clientul a aprobat deja prima faz\u0103 a analizei creditului b\u0103ncilor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Faza de finalizare<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aceasta este de obicei faza cel mai de temut de c\u0103tre clien\u021bi, deoarece aici compania ia leg\u0103tura cu contractorul pentru a confirma unele informa\u021bii sau a r\u0103spunde la \u00eentreb\u0103ri despre situa\u021bia lor financiar\u0103.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In etapa finala intra in scena firme precum Serasa Experian, SPC, Bacen si altele pentru a-si da o parere mai buna asupra istoriei tale. \u00cen plus, unii operatori de credite pot contacta chiar persoane cunoscute care pot oferi informa\u021bii mai bune despre natura ta de consumator.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2hOmTN\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/como-se-cadastrar-no-serasa-consumidor\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 v\u0103 \u00eenregistra\u021bi la Serasa Consumer?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/87c94b27-af95-4b24-b3f7-5a6f1a10d56b\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/como-se-cadastrar-no-serasa-consumidor\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 v\u0103 \u00eenregistra\u021bi la Serasa Consumer?\">\n            Cum s\u0103 v\u0103 \u00eenregistra\u021bi la Serasa Consumer?        <\/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            Monitoriza\u021bi-v\u0103 CPF \u0219i scorul de credit 24 de ore pe zi. Descopera serviciul Serasa Consumidor.         <\/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-se-cadastrar-no-serasa-consumidor\/\"  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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Domnul Panda v\u0103 ajut\u0103 cu asta. Afl\u0103 mai multe aici!<\/p>","protected":false},"author":29,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[38],"tags":[3604,3608,3606,3605,3607],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Como \u00e9 feita a an\u00e1lise de cr\u00e9dito dos bancos? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"A an\u00e1lise de cr\u00e9dito \u00e9 feita para avaliar seu perfil de consumidor, ou seja, se voc\u00ea costuma andar com seus pagamentos em dia. 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