{"id":60956,"date":"2023-02-13T23:00:00","date_gmt":"2023-02-13T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=60956"},"modified":"2023-02-12T05:00:36","modified_gmt":"2023-02-12T05:00:36","slug":"conheca-emprestimo-pessoal-afeam","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/conheca-emprestimo-pessoal-afeam\/","title":{"rendered":"Descoper\u0103 \u00eemprumutul personal AFEAM"},"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=\"h-saiba-tudo-sobre-este-produto-financeiro\">Afla\u021bi totul despre acest produs financiar<\/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=\"Mas, afinal, como funciona o empr\u00e9stimo AFEAM? Fonte: Canva.\"  id=\"60959\" src=\"https:\/\/cdn.adtechpanda.com\/e918b6ef-c2ba-4bab-9db3-f751efc0a4db\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Dar, p\u00e2n\u0103 la urm\u0103, cum func\u021bioneaz\u0103 \u00eemprumutul AFEAM? Sursa: Canva.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cemprumutul AFEAM a adus posibilitatea reajust\u0103rii financiare pentru antreprenori!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Din 2020, Brazilia \u0219i \u00eentreaga lume au v\u0103zut \u00eenchiderea a mii de companii. De aceea a fost creat creditul AFEAM.<\/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><\/td><td><strong>AFEAM<\/strong><\/td><\/tr><tr><td><strong>Venit minim<\/strong><\/td><td>Variaz\u0103 \u00een func\u021bie de categorie<\/td><\/tr><tr><td><strong>Dob\u00e2nd\u0103<\/strong><\/td><td>Variabil <\/td><\/tr><tr><td><strong>Termen de plat\u0103<\/strong><\/td><td>\u00centre 24 \u0219i 42 de rate<\/td><\/tr><tr><td><strong>Unde s\u0103 folosi\u021bi creditul<\/strong><\/td><td>Capital de rulment \u0219i investi\u021bii ale companiei<\/td><\/tr><tr><td><strong>Beneficii<\/strong><\/td><td>Aplica\u021bie online<br>Reducere de dob\u00e2nd\u0103<\/td><\/tr><\/tbody><\/table><figcaption>Care sunt diferen\u021bele dintre \u00eemprumuturi?<\/figcaption><\/figure>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZbrnvU\">\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-emprestimo-afeam\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru un \u00eemprumut AFEAM\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/065ce7c2-eaa1-4411-aae1-19861df0a25d\/\" 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-emprestimo-afeam\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru un \u00eemprumut AFEAM\">\n            Cum s\u0103 aplici pentru un \u00eemprumut AFEAM        <\/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            \u00cemprumut securizat dedicat pentru persoane care desf\u0103\u0219oar\u0103 activit\u0103\u021bi independente, produc\u0103tori rurali, profesioni\u0219ti independen\u021bi, micro\u00eentreprinz\u0103tori individuali (MEI), micro \u0219i companii mici.        <\/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-emprestimo-afeam\/\"  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\/como-solicitar-emprestimo-afeam\/\"  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\/065ce7c2-eaa1-4411-aae1-19861df0a25d\/\">          \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 AFEAM              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-emprestimo-afeam\/\"  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><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu el, antreprenorii din toat\u0103 Brazilia pot accesa cu u\u0219urin\u021b\u0103 o sum\u0103 bun\u0103 de credit!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen aceast\u0103 postare, vei afla totul despre acest \u00eemprumut \u0219i cum s\u0103 aplici pentru el. Verific\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=\"h-como-funciona-o-emprestimo-pessoal-afeam\">Cum func\u021bioneaz\u0103 \u00eemprumutul personal AFEAM?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ini\u021bial, \u00eemprumutul personal AFEAM este o linie de credit de urgen\u021b\u0103 care a fost creat\u0103 \u00een timpul pandemiei.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Obiectivul s\u0103u a fost de a ajuta antreprenorii s\u0103-\u0219i reajusteze afacerile cu consecin\u021bele suferite de criz\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest sens, \u00eemprumutul a fost creat de Guvernul Amazonas, prin Agen\u021bia de Stat pentru Dezvoltare Amazonas SA<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i anume, este alocat capitalului de lucru al companiilor pentru a ajuta la cheltuielile \u0219i costurile companiei, cum ar fi facturile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, poate fi folosit \u0219i pentru \u00eembun\u0103t\u0103\u021birea sediului companiei \u0219i pentru achizi\u021bionarea de echipamente \u0219i utilaje.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acest lucru se datoreaz\u0103 faptului c\u0103 inten\u021bia principal\u0103 a AFEAM este tocmai aceea de a ajuta companiile s\u0103 ias\u0103 din datorii, dar \u0219i de a men\u021bine productivitatea. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest fel, acest \u00eemprumut a ajutat \u0219i \u00eel ajut\u0103 \u00een continuare pe Amazonas s\u0103 fac\u0103 fa\u021b\u0103 rezultatelor crizei. <\/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=\"h-qual-o-limite-do-emprestimo-pessoal-afeam\">Care este limita \u00eemprumuturilor personale AFEAM?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen principiu, limita este de p\u00e2n\u0103 la R$ 100 de mii. A\u0219adar, f\u0103 o simulare pe site \u0219i iei \u00eemprumutul AFEAM pentru a reloca afacerea companiei tale!<\/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=\"h-emprestimo-pessoal-afeam-vale-a-pena\">Merit\u0103 \u00eemprumutul personal AFEAM?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Quais as vantagens e desvantagens deste empr\u00e9stimo? Fonte: Canva.\"  id=\"60962\" src=\"https:\/\/cdn.adtechpanda.com\/111a043c-e30e-4b7e-bbf9-5cd41b80833b\/\" 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 avantajele \u0219i dezavantajele acestui \u00eemprumut? Sursa: Canva.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acum, s\u0103 \u00eenv\u0103\u021b\u0103m despre avantajele \u0219i dezavantajele AFEAM! Verific\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 id=\"h-vantagens\">Beneficii<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Printre beneficiile \u00eemprumutului, pute\u021bi aplica p\u00e2n\u0103 la 100 mii R$ \u0219i, de asemenea, pute\u021bi ob\u021bine 25% reducere la dob\u00e2nzi dac\u0103 pl\u0103ti\u021bi \u00een avans.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i, \u00een plus, po\u021bi solicita \u00eemprumutul complet online, f\u0103r\u0103 a fi nevoie s\u0103 p\u0103r\u0103se\u0219ti locuin\u021ba, oriunde te-ai afla.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Un alt avantaj este c\u0103, chiar dac\u0103 ave\u021bi deja finan\u021bare \u00een derulare, pute\u021bi face acest lucru. Cu toate acestea, ar fi trebuit s\u0103 pl\u0103ti\u021bi deja 50% din finan\u021barea anterioar\u0103! <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De fapt, dac\u0103 solicita\u021bi alocarea acestuia c\u0103tre capital de lucru, pute\u021bi \u00eencepe s\u0103 pl\u0103ti\u021bi abia dup\u0103 18 zile \u0219i \u00een p\u00e2n\u0103 la 24 de rate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Totu\u0219i, dac\u0103 este pentru investi\u021bii fixe, ve\u021bi avea aceea\u0219i perioad\u0103 pentru a \u00eencepe s\u0103 pl\u0103ti\u021bi, dar p\u00e2n\u0103 la 42 de rate lunare. De fapt, pentru finan\u021bare, ve\u021bi urma Tabelul de taxe AFEAM.<\/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=\"h-desvantagens\">Dezavantaje<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Majoritatea produselor financiare au avantaje \u0219i dezavantaje \u0219i, de cele mai multe ori, se datoreaz\u0103 ratei dob\u00e2nzii. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, uit\u0103-te la ratele dob\u00e2nzii pentru a vedea dac\u0103 merit\u0103 s\u0103 aplici pentru acest \u00eemprumut!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este important de subliniat faptul c\u0103, dac\u0103 efectua\u021bi plata \u00een avans la AFEAM, ob\u021bine\u021bi o reducere de 25% la dob\u00e2nzi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, \u00eencerca\u021bi \u00eentotdeauna s\u0103 pl\u0103ti\u021bi la timp sau \u00een avans pentru a profita de reduceri \u0219i a economisi mult!<\/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=\"h-como-fazer-um-emprestimo-pessoal-afeam\">Cum s\u0103 ob\u021bine\u021bi un \u00eemprumut personal AFEAM?<\/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=\"Mas, afinal, como solicitar o empr\u00e9stimo AFEAM? Fonte: Canva.\"  id=\"60961\" src=\"https:\/\/cdn.adtechpanda.com\/3b413e3d-6468-438d-aca5-bf83a87301c0\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Dar, p\u00e2n\u0103 la urm\u0103, cum s\u0103 aplici pentru \u00eemprumutul AFEAM? Sursa: Canva.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a contracta un \u00eemprumut personal AFEAM, trebuie s\u0103 accesa\u021bi site-ul AFEAM, de luni p\u00e2n\u0103 vineri de la 8:00 la 14:00 \u0219i s\u0103 urma\u021bi pa\u0219ii \u00een func\u021bie de categorie.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu alte cuvinte, fie c\u0103 este vorba de persoane fizice sau juridice, cererea se va modifica. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vrei s\u0103 \u0219tii mai bine? Face\u021bi clic pe con\u021binutul de mai jos!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2r9Xrn\">\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-emprestimo-afeam\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru un \u00eemprumut AFEAM\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/065ce7c2-eaa1-4411-aae1-19861df0a25d\/\" 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-emprestimo-afeam\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru un \u00eemprumut AFEAM\">\n            Cum s\u0103 aplici pentru un \u00eemprumut AFEAM        <\/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            Solicita\u021bi p\u00e2n\u0103 la 100 de mii de reale cu acest \u00eemprumut pentru microantreprenori oriunde v-a\u021bi afla.        <\/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-emprestimo-afeam\/\"  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\/como-solicitar-emprestimo-afeam\/\"  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\/065ce7c2-eaa1-4411-aae1-19861df0a25d\/\">          \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 AFEAM              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-emprestimo-afeam\/\"  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>\u00cen\u021belege\u021bi cum func\u021bioneaz\u0103 \u00eemprumutul personal AFEAM. Ob\u021bine\u021bi o reducere de 25% la dob\u00e2nd\u0103 pl\u0103tind \u00een avans \u0219i solicita\u021bi p\u00e2n\u0103 la 100 de mii de reale f\u0103r\u0103 a pleca de acas\u0103! Verific\u0103!<\/p>","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[36],"tags":[3926,3927,1225,598,119],"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>Conhe\u00e7a o empr\u00e9stimo pessoal AFEAM - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Saiba como funciona o empr\u00e9stimo pessoal AFEAM e veja como ele pode ajudar a sua empresa a sair da crise. Pague antecipado e ganhe descontos!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/ro\/conheca-emprestimo-pessoal-afeam\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Conhe\u00e7a o empr\u00e9stimo pessoal AFEAM\" \/>\n<meta property=\"og:description\" content=\"Saiba como funciona o empr\u00e9stimo pessoal AFEAM e veja como ele pode ajudar a sua empresa a sair da crise. Pague antecipado e ganhe descontos!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/ro\/conheca-emprestimo-pessoal-afeam\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2023-02-13T23:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-02-12T05:00:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.adtechpanda.com\/e918b6ef-c2ba-4bab-9db3-f751efc0a4db\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Joyce Viana\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/senhorpanda.com\/#website\",\"url\":\"https:\/\/senhorpanda.com\/\",\"name\":\"Senhor Panda\",\"description\":\"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/senhorpanda.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/#primaryimage\",\"url\":\"https:\/\/cdn.adtechpanda.com\/e918b6ef-c2ba-4bab-9db3-f751efc0a4db\/\",\"contentUrl\":\"https:\/\/cdn.adtechpanda.com\/e918b6ef-c2ba-4bab-9db3-f751efc0a4db\/\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/#webpage\",\"url\":\"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/\",\"name\":\"Conhe\u00e7a o empr\u00e9stimo pessoal AFEAM - Senhor Panda\",\"isPartOf\":{\"@id\":\"https:\/\/senhorpanda.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/#primaryimage\"},\"datePublished\":\"2023-02-13T23:00:00+00:00\",\"dateModified\":\"2023-02-12T05:00:36+00:00\",\"author\":{\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/beaafb5eceb82d053954e18a1cf64834\"},\"description\":\"Saiba como funciona o empr\u00e9stimo pessoal AFEAM e veja como ele pode ajudar a sua empresa a sair da crise. Pague antecipado e ganhe descontos!\",\"breadcrumb\":{\"@id\":\"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/senhorpanda.com\/ro\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Conhe\u00e7a o empr\u00e9stimo pessoal AFEAM\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/beaafb5eceb82d053954e18a1cf64834\",\"name\":\"Joyce Viana\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3d0d00f5b89f4056e3f07fb0147cbf9c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3d0d00f5b89f4056e3f07fb0147cbf9c?s=96&d=mm&r=g\",\"caption\":\"Joyce Viana\"},\"description\":\"Graduada em Direito pela PUC Minas. P\u00f3s Graduada em Direito Penal e Processo Penal pela Faculdade Legale. \u00c9 produtora de conte\u00fado para diversos nichos, desde receitas e finan\u00e7as, at\u00e9 beleza e sa\u00fade. Desde crian\u00e7a, fez da escrita sua melhor amiga, e nunca mais parou!\",\"url\":\"https:\/\/senhorpanda.com\/ro\/author\/joyceviana\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Conhe\u00e7a o empr\u00e9stimo pessoal AFEAM - Senhor Panda","description":"Saiba como funciona o empr\u00e9stimo pessoal AFEAM e veja como ele pode ajudar a sua empresa a sair da crise. Pague antecipado e ganhe descontos!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/senhorpanda.com\/ro\/conheca-emprestimo-pessoal-afeam\/","og_locale":"ro_RO","og_type":"article","og_title":"Conhe\u00e7a o empr\u00e9stimo pessoal AFEAM","og_description":"Saiba como funciona o empr\u00e9stimo pessoal AFEAM e veja como ele pode ajudar a sua empresa a sair da crise. Pague antecipado e ganhe descontos!","og_url":"https:\/\/senhorpanda.com\/ro\/conheca-emprestimo-pessoal-afeam\/","og_site_name":"Senhor Panda","article_published_time":"2023-02-13T23:00:00+00:00","article_modified_time":"2023-02-12T05:00:36+00:00","og_image":[{"url":"https:\/\/cdn.adtechpanda.com\/e918b6ef-c2ba-4bab-9db3-f751efc0a4db\/"}],"twitter_card":"summary_large_image","twitter_misc":{"Written by":"Joyce Viana","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/senhorpanda.com\/#website","url":"https:\/\/senhorpanda.com\/","name":"Senhor Panda","description":"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/senhorpanda.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"ro-RO"},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/#primaryimage","url":"https:\/\/cdn.adtechpanda.com\/e918b6ef-c2ba-4bab-9db3-f751efc0a4db\/","contentUrl":"https:\/\/cdn.adtechpanda.com\/e918b6ef-c2ba-4bab-9db3-f751efc0a4db\/"},{"@type":"WebPage","@id":"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/#webpage","url":"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/","name":"Conhe\u00e7a o empr\u00e9stimo pessoal AFEAM - Senhor Panda","isPartOf":{"@id":"https:\/\/senhorpanda.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/#primaryimage"},"datePublished":"2023-02-13T23:00:00+00:00","dateModified":"2023-02-12T05:00:36+00:00","author":{"@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/beaafb5eceb82d053954e18a1cf64834"},"description":"Saiba como funciona o empr\u00e9stimo pessoal AFEAM e veja como ele pode ajudar a sua empresa a sair da crise. Pague antecipado e ganhe descontos!","breadcrumb":{"@id":"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/senhorpanda.com\/conheca-emprestimo-pessoal-afeam\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/senhorpanda.com\/ro\/"},{"@type":"ListItem","position":2,"name":"Conhe\u00e7a o empr\u00e9stimo pessoal AFEAM"}]},{"@type":"Person","@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/beaafb5eceb82d053954e18a1cf64834","name":"Joyce Viana","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/3d0d00f5b89f4056e3f07fb0147cbf9c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3d0d00f5b89f4056e3f07fb0147cbf9c?s=96&d=mm&r=g","caption":"Joyce Viana"},"description":"Graduada em Direito pela PUC Minas. P\u00f3s Graduada em Direito Penal e Processo Penal pela Faculdade Legale. \u00c9 produtora de conte\u00fado para diversos nichos, desde receitas e finan\u00e7as, at\u00e9 beleza e sa\u00fade. Desde crian\u00e7a, fez da escrita sua melhor amiga, e nunca mais parou!","url":"https:\/\/senhorpanda.com\/ro\/author\/joyceviana\/"}]}},"_links":{"self":[{"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/posts\/60956"}],"collection":[{"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/comments?post=60956"}],"version-history":[{"count":0,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/posts\/60956\/revisions"}],"wp:attachment":[{"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/media?parent=60956"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/categories?post=60956"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/tags?post=60956"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}