{"id":71744,"date":"2022-10-16T23:00:00","date_gmt":"2022-10-16T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=71744"},"modified":"2022-10-16T21:58:59","modified_gmt":"2022-10-16T21:58:59","slug":"margem-consignavel","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/margem-consignavel\/","title":{"rendered":"Marja pl\u0103tibil\u0103: vezi cum s\u0103 o calculezi aici"},"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-com-a-margem-voce-tem-menos-chances-de-ficar-inadimplente\">Cu marj\u0103, este mai pu\u021bin probabil s\u0103 fi\u021bi implicit<\/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 a margem consign\u00e1vel funciona. Fonte: Adobe Stock.\"  id=\"71760\" src=\"https:\/\/cdn.adtechpanda.com\/f4ec9b7e-d744-4125-8ab8-2cdccfaca3e9\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Vede\u021bi cum func\u021bioneaz\u0103 marja atribuibil\u0103. 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>Dac\u0103 dori\u021bi s\u0103 ob\u021bine\u021bi un \u00eemprumut pentru ziua de plat\u0103 \u0219i v-a\u021bi uitat deja la unele op\u021biuni, este posibil s\u0103 fi \u00eent\u00e2lnit marja de plat\u0103 pe termen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aceast\u0103 marj\u0103 v\u0103 spune doar valoarea maxim\u0103 pe care ar trebui s\u0103 o aib\u0103 ratele dvs. de \u00eemprumut. Cu toate acestea, deoarece creditele pentru salarii nu sunt \u00eentotdeauna op\u021biunea cea mai folosit\u0103 de brazilieni, exist\u0103 \u00eenc\u0103 multe \u00eendoieli cu privire la modul \u00een care func\u021bioneaz\u0103.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1Fobzc\">\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\/novas-regras-emprestimo-consignado-inss\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Noi reguli de \u00eemprumut INSS pentru salarii\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/99e3ca67-9125-47ef-8bfc-e28ef9fba1c3\/\" 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\/novas-regras-emprestimo-consignado-inss\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Noi reguli de \u00eemprumut INSS pentru salarii\">\n            Noi reguli de \u00eemprumut INSS pentru salarii        <\/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 noile modific\u0103ri care au intrat \u00een vigoare anul acesta.        <\/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\/novas-regras-emprestimo-consignado-inss\/\"  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\/novas-regras-emprestimo-consignado-inss\/\"  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\/99e3ca67-9125-47ef-8bfc-e28ef9fba1c3\/\">          \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                Noi reguli de \u00eemprumut INSS pentru salarii              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/novas-regras-emprestimo-consignado-inss\/\"  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>Ast\u0103zi, doar salaria\u021bii, func\u021bionarii publici sau cei care beneficiaz\u0103 de pensie pot accesa credite de plat\u0103. Astfel, aceast\u0103 grup\u0103 care prime\u0219te un salariu fix poate accesa acest credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dac\u0103 v\u0103 califica\u021bi \u0219i dori\u021bi s\u0103 contracta\u021bi acest \u00eemprumut, r\u0103m\u00e2ne\u021bi al\u0103turi de noi \u00een aceast\u0103 postare \u0219i afla\u021bi care este marja consignabil\u0103 \u00een acest tip de credit.<\/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>Ce este marja expedibil\u0103?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Saiba o que essa margem indica. Fonte: Pexels.\"  id=\"71747\" src=\"https:\/\/cdn.adtechpanda.com\/c320d0e8-dc17-424b-84fe-b31467ef6a3d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Afla\u021bi ce indic\u0103 aceast\u0103 marj\u0103. 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>Pe scurt, marja consignabil\u0103 indic\u0103 o valoare limit\u0103 pe care o pot avea ratele dvs. de \u00eemprumut.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acest lucru se \u00eent\u00e2mpl\u0103 ca o modalitate de a-i proteja pe cei care solicit\u0103 \u00eemprumutul. \u00cen acest fel, av\u00e2nd marj\u0103, solicitantul poate pl\u0103ti creditul cu u\u0219urin\u021b\u0103 deoarece nu folose\u0219te o parte foarte mare din salariu sau beneficiu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen prezent, conform Legii 10.820, care reglementeaz\u0103 creditele pentru salarii, marja utilizat\u0103 pentru definirea valorii ratelor de credit este de p\u00e2n\u0103 la 35% din salariul sau beneficiul solicitantului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In acest fel, o mica parte din remuneratia persoanei este folosita pentru plata creditului, pentru ca aceasta sa poata achita imprumutul in termenul stabilit.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z19eA2r\">\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-negociar-dividas-online\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 negociezi online datorii\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/e54852b2-ec9e-4454-952e-0a474fc13ad2\/\" 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-negociar-dividas-online\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 negociezi online datorii\">\n            Cum s\u0103 negociezi online datorii        <\/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 cum s\u0103 negociezi \u0219i s\u0103 pl\u0103te\u0219ti o datorie f\u0103r\u0103 s\u0103 pleci de acas\u0103!        <\/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-negociar-dividas-online\/\"  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-negociar-dividas-online\/\"  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\/e54852b2-ec9e-4454-952e-0a474fc13ad2\/\">          \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 negociezi online datorii              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-negociar-dividas-online\/\"  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>Cum se calculeaz\u0103 marja expedibil\u0103?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i anume, calcularea marjei de expediere este foarte simplu de f\u0103cut. Pentru a face acest lucru, pur \u0219i simplu utiliza\u021bi valoarea de 0,35 \u0219i \u00eenmul\u021bi\u021bi-o cu valoarea salariului curent.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, dac\u0103 o persoan\u0103 c\u00e2\u0219tig\u0103 R$ 3.000,00 R$ \u00een salariu, marja lor de consigna\u021bie va fi de R$ 1.050,00 R$.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aceasta \u00eenseamn\u0103 c\u0103 poate contracta un \u00eemprumut pe salariu \u00een care valoarea ratelor \u00eempreun\u0103 cu dob\u00e2nda este de p\u00e2n\u0103 la 1.050,00 R$.<\/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>Care este rela\u021bia dintre marj\u0103 \u0219i \u00eemprumutul pe salariu?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a \u00een\u021belege mai bine rela\u021bia dintre marj\u0103 \u0219i \u00eemprumut, mai \u00eent\u00e2i trebuie s\u0103 \u00een\u021belegem mai bine cum func\u021bioneaz\u0103 \u00eemprumutul pe salariu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, acest credit este o modalitate pe care persoanele care primesc un salariu fix o pot solicita deoarece, spre deosebire de altele, plata ratelor se face automat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, valoarea acestuia va fi dedus\u0103 lunar din beneficiul sau statul de plat\u0103 al persoanei care a solicitat \u00eemprumutul p\u00e2n\u0103 la achitarea \u00eemprumutului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Totu\u0219i, pentru a evita neplata, \u00eemprumuturile pentru salarii au o marj\u0103 consignabil\u0103 pentru a indica suma maxim\u0103 care poate fi dedus\u0103 din remunera\u021bia oamenilor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, rela\u021bia dintre ele este c\u0103 marja consignabil\u0103 este un atribut care exist\u0103 doar \u00een acest tip de credit pentru a defini o valoare limit\u0103 a ratelor.<\/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 elibereaz\u0103 marja expedibil\u0103?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Un alt punct important de \u0219tiut despre marj\u0103 este c\u0103, dac\u0103 o persoan\u0103 contracteaz\u0103 un \u00eemprumut folosind toat\u0103 marja consignabil\u0103, nu va putea accesa un alt credit \u00een aceea\u0219i modalitate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest fel, va trebui s\u0103 elibereze o parte din marja ei consignabil\u0103 pentru a contracta un alt \u00eemprumut \u00een acela\u0219i tip de credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a face acest lucru, ea poate alege s\u0103 transfere \u00eemprumutul c\u0103tre o alt\u0103 banc\u0103 care ofer\u0103 rate mai mici \u0219i astfel s\u0103 elibereze o parte din marj\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sau, poate \u00eencerca \u0219i s\u0103 achite un \u00eemprumut activ sau s\u0103-l finan\u021beze pentru a reduce ratele pl\u0103tite.\u00a0<\/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 s\u0103 iei un \u00eemprumut pentru ziua de plat\u0103?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Confira as principais etapas! Fonte: Pexels.\"  id=\"71748\" src=\"https:\/\/cdn.adtechpanda.com\/d9da6298-c566-4ba7-a75e-0bb612fce464\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Consulta\u021bi pa\u0219ii principali! 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>Acum, c\u0103 \u00een\u021belegi mai bine cum func\u021bioneaz\u0103 marja de consigna\u021bie, te po\u021bi sim\u021bi mai confortabil \u00een contractarea acestui \u00eemprumut.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar, in primul rand, este interesant de stiut care sunt principalii pasi pe care trebuie sa ii faci pentru a accesa acest credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a v\u0103 ajuta \u00een acest sens, am separat mai jos pa\u0219ii principali lega\u021bi de ob\u021binerea acestui credit.<\/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>Analizeaz\u0103-\u021bi bugetul<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In primul rand este interesant ca iti analizezi viata financiara actuala pentru a vedea daca este posibil sa te incadrezi in cuantumul ratei creditului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a face acest lucru, pute\u021bi calcula valoarea aproximativ\u0103 a ratei dvs. pe baza calculului marjei expediabile \u0219i, astfel, pute\u021bi vedea dac\u0103 aceasta se potrive\u0219te cu celelalte responsabilit\u0103\u021bi financiare ale dvs.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>F\u0103c\u00e2nd aceast\u0103 practic\u0103 simpl\u0103, pute\u021bi s\u0103 v\u0103 planifica\u021bi mai bine \u0219i, prin urmare, s\u0103 evita\u021bi atragerea datoriilor.<\/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>G\u0103si\u021bi institu\u021biile care ofer\u0103 \u00eemprumutul<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu bugetul analizat, urm\u0103torul pas este s\u0103 \u00eencepi s\u0103 cercetezi institu\u021biile financiare care ofer\u0103 \u00eemprumuturi pentru ziua de plat\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aici este important s\u0103 acorda\u021bi aten\u021bie termenului de plat\u0103, ratelor dob\u00e2nzilor \u0219i sumei totale pe care localul o poate elibera pentru a v\u0103 \u00eemprumuta.<\/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>Face\u021bi simularea creditului<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 ce ai g\u0103sit unele institu\u021bii, efectueaz\u0103 o analiz\u0103 de credit pentru ca acestea s\u0103 \u00ee\u021bi poat\u0103 oferi estim\u0103ri exacte ale sumei \u00eemprumutului pe care o vei accesa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>F\u0103c\u00e2nd asta cu mai multe companii, po\u021bi analiza mai bine ofertele pentru a o alege pe cea mai potrivit\u0103 pentru tine.<\/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>Vorbeste cu compania ta<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru cei dintre voi care sunte\u021bi salaria\u021bi, este important s\u0103 v\u0103 \u00eentreba\u021bi compania despre posibilitatea de a contracta un \u00eemprumut pe salariu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00centruc\u00e2t suma ratei este dedus\u0103 automat din statul dumneavoastr\u0103 de plat\u0103, aceasta trebuie convenit\u0103 cu institu\u021bia financiar\u0103 de la care inten\u021biona\u021bi s\u0103 scoate\u021bi creditul.<\/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>Face\u021bi o cerere de credit<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 alegerea institu\u021biei financiare, trebuie s\u0103 accesa\u021bi site-ul sau aplica\u021bia oficial\u0103, sau chiar s\u0103 v\u0103 prezenta\u021bi personal la o sucursal\u0103 pentru a solicita \u00eemprumutul.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a face acest lucru, urma\u021bi to\u021bi pa\u0219ii indica\u021bi de canalul ales. Astfel, este posibil s\u0103 finaliza\u021bi procesul, s\u0103 trece\u021bi prin analiza creditului \u0219i s\u0103 ob\u021bine\u021bi banii \u00een c\u00e2teva zile.<\/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>Trimite\u021bi documentele<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acum pute\u021bi trimite toate documentele necesare pentru a v\u0103 oficializa \u00eemprumutul. \u00cen general, institu\u021biile v\u0103 pot solicita s\u0103 trimite\u021bi:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Document de identificare;<\/li><li>Dovad\u0103 de venit;<\/li><li>Dovada adresei.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe l\u00e2ng\u0103 acestea, ea poate cere mai mult, totu\u0219i aceste documente sunt cele mai frecvente pentru a fi solicitate \u00eentr-un \u00eemprumut pe salariu.<\/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>Semneaz\u0103 contractul \u0219i a\u0219teapt\u0103 eliberarea<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu actele transmise, institutia va intocmi contractul de formalizare a contractului de credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest fel, citi\u021bi acest contract pentru a v\u0103 asigura c\u0103 totul este a\u0219a cum sa convenit \u0219i apoi semna\u021bi-l.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Odat\u0103 ce a\u021bi f\u0103cut acest lucru, \u00een c\u00e2teva zile banii vor fi elibera\u021bi \u00een contul dvs. pentru a fi folosi\u021bi dup\u0103 cum dori\u021bi!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acum c\u0103 \u0219ti\u021bi ce este o marj\u0103 consignabil\u0103 \u0219i rela\u021bia acesteia cu un \u00eemprumut \u00een consigna\u021bie, ce zici s\u0103 afla\u021bi despre op\u021biunile pentru acest credit? <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, acceseaz\u0103 con\u021binutul recomandat de mai jos \u0219i verific\u0103-l!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1rQuov\">\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\/qual-o-melhor-emprestimo-consignado-2021\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Care este cel mai bun \u00eemprumut pentru salarii?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ad8840c2-c96e-43d3-83d5-e7c3718efed1\/\" 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\/qual-o-melhor-emprestimo-consignado-2021\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Care este cel mai bun \u00eemprumut pentru salarii?\">\n            Care este cel mai bun \u00eemprumut pentru salarii?        <\/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            Descoper\u0103 7 op\u021biuni interesante de \u00eemprumut pentru salarii!        <\/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\/qual-o-melhor-emprestimo-consignado-2021\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/ro\/qual-o-melhor-emprestimo-consignado-2021\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/ad8840c2-c96e-43d3-83d5-e7c3718efed1\/\">          \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                Care este cel mai bun \u00eemprumut pentru salarii?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/qual-o-melhor-emprestimo-consignado-2021\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Marja de plat\u0103 influen\u021beaz\u0103 foarte mult valoarea maxim\u0103 a ratelor \u00eemprumutului dumneavoastr\u0103 pentru ziua de plat\u0103. Afla\u021bi mai multe despre el aici \u0219i afla\u021bi cum s\u0103 \u00eel calcula\u021bi.<\/p>","protected":false},"author":31,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[36],"tags":[61,84,4675],"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>Margem consign\u00e1vel: veja aqui como calcular - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Voc\u00ea j\u00e1 ouviu falar na margem consign\u00e1vel? Neste post voc\u00ea conhecer\u00e1 mais sobre esse termo presente nos empr\u00e9stimos consignados.\" \/>\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\/margem-consignavel\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Margem consign\u00e1vel: veja aqui como calcular\" \/>\n<meta property=\"og:description\" content=\"Voc\u00ea j\u00e1 ouviu falar na margem consign\u00e1vel? Neste post voc\u00ea conhecer\u00e1 mais sobre esse termo presente nos empr\u00e9stimos consignados.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/ro\/margem-consignavel\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-16T23:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-10-16T21:58:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.adtechpanda.com\/f4ec9b7e-d744-4125-8ab8-2cdccfaca3e9\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Leticia Jord\u00e3o\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 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\/margem-consignavel\/#primaryimage\",\"url\":\"https:\/\/cdn.adtechpanda.com\/f4ec9b7e-d744-4125-8ab8-2cdccfaca3e9\/\",\"contentUrl\":\"https:\/\/cdn.adtechpanda.com\/f4ec9b7e-d744-4125-8ab8-2cdccfaca3e9\/\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/senhorpanda.com\/margem-consignavel\/#webpage\",\"url\":\"https:\/\/senhorpanda.com\/margem-consignavel\/\",\"name\":\"Margem consign\u00e1vel: veja aqui como calcular - Senhor Panda\",\"isPartOf\":{\"@id\":\"https:\/\/senhorpanda.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/senhorpanda.com\/margem-consignavel\/#primaryimage\"},\"datePublished\":\"2022-10-16T23:00:00+00:00\",\"dateModified\":\"2022-10-16T21:58:59+00:00\",\"author\":{\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/18a3eabaab6b876e352ccacdfdd668fb\"},\"description\":\"Voc\u00ea j\u00e1 ouviu falar na margem consign\u00e1vel? Neste post voc\u00ea conhecer\u00e1 mais sobre esse termo presente nos empr\u00e9stimos consignados.\",\"breadcrumb\":{\"@id\":\"https:\/\/senhorpanda.com\/margem-consignavel\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/senhorpanda.com\/margem-consignavel\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/senhorpanda.com\/margem-consignavel\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/senhorpanda.com\/ro\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Margem consign\u00e1vel: veja aqui como calcular\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/18a3eabaab6b876e352ccacdfdd668fb\",\"name\":\"Leticia Jord\u00e3o\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/7cd430a4a8f62095715d687ff93f7559?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/7cd430a4a8f62095715d687ff93f7559?s=96&d=mm&r=g\",\"caption\":\"Leticia Jord\u00e3o\"},\"description\":\"Ol\u00e1! Sou formada em Marketing e acabei descobrindo minha paix\u00e3o na \u00e1rea de produ\u00e7\u00e3o de conte\u00fado! Hoje eu possuo experi\u00eancia escrevendo sobre marketing digital e finan\u00e7as pessoais onde sempre foco em entregar a informa\u00e7\u00e3o que o p\u00fablico mais precisa.\",\"url\":\"https:\/\/senhorpanda.com\/ro\/author\/letihcontent\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Margem consign\u00e1vel: veja aqui como calcular - Senhor Panda","description":"Voc\u00ea j\u00e1 ouviu falar na margem consign\u00e1vel? Neste post voc\u00ea conhecer\u00e1 mais sobre esse termo presente nos empr\u00e9stimos consignados.","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\/margem-consignavel\/","og_locale":"ro_RO","og_type":"article","og_title":"Margem consign\u00e1vel: veja aqui como calcular","og_description":"Voc\u00ea j\u00e1 ouviu falar na margem consign\u00e1vel? Neste post voc\u00ea conhecer\u00e1 mais sobre esse termo presente nos empr\u00e9stimos consignados.","og_url":"https:\/\/senhorpanda.com\/ro\/margem-consignavel\/","og_site_name":"Senhor Panda","article_published_time":"2022-10-16T23:00:00+00:00","article_modified_time":"2022-10-16T21:58:59+00:00","og_image":[{"url":"https:\/\/cdn.adtechpanda.com\/f4ec9b7e-d744-4125-8ab8-2cdccfaca3e9\/"}],"twitter_card":"summary_large_image","twitter_misc":{"Written by":"Leticia Jord\u00e3o","Est. reading time":"7 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\/margem-consignavel\/#primaryimage","url":"https:\/\/cdn.adtechpanda.com\/f4ec9b7e-d744-4125-8ab8-2cdccfaca3e9\/","contentUrl":"https:\/\/cdn.adtechpanda.com\/f4ec9b7e-d744-4125-8ab8-2cdccfaca3e9\/"},{"@type":"WebPage","@id":"https:\/\/senhorpanda.com\/margem-consignavel\/#webpage","url":"https:\/\/senhorpanda.com\/margem-consignavel\/","name":"Margem consign\u00e1vel: veja aqui como calcular - Senhor Panda","isPartOf":{"@id":"https:\/\/senhorpanda.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/senhorpanda.com\/margem-consignavel\/#primaryimage"},"datePublished":"2022-10-16T23:00:00+00:00","dateModified":"2022-10-16T21:58:59+00:00","author":{"@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/18a3eabaab6b876e352ccacdfdd668fb"},"description":"Voc\u00ea j\u00e1 ouviu falar na margem consign\u00e1vel? Neste post voc\u00ea conhecer\u00e1 mais sobre esse termo presente nos empr\u00e9stimos consignados.","breadcrumb":{"@id":"https:\/\/senhorpanda.com\/margem-consignavel\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/senhorpanda.com\/margem-consignavel\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/senhorpanda.com\/margem-consignavel\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/senhorpanda.com\/ro\/"},{"@type":"ListItem","position":2,"name":"Margem consign\u00e1vel: veja aqui como calcular"}]},{"@type":"Person","@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/18a3eabaab6b876e352ccacdfdd668fb","name":"Leticia Jord\u00e3o","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/7cd430a4a8f62095715d687ff93f7559?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/7cd430a4a8f62095715d687ff93f7559?s=96&d=mm&r=g","caption":"Leticia Jord\u00e3o"},"description":"Ol\u00e1! Sou formada em Marketing e acabei descobrindo minha paix\u00e3o na \u00e1rea de produ\u00e7\u00e3o de conte\u00fado! Hoje eu possuo experi\u00eancia escrevendo sobre marketing digital e finan\u00e7as pessoais onde sempre foco em entregar a informa\u00e7\u00e3o que o p\u00fablico mais precisa.","url":"https:\/\/senhorpanda.com\/ro\/author\/letihcontent\/"}]}},"_links":{"self":[{"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/posts\/71744"}],"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\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/comments?post=71744"}],"version-history":[{"count":0,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/posts\/71744\/revisions"}],"wp:attachment":[{"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/media?parent=71744"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/categories?post=71744"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/tags?post=71744"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}