{"id":72784,"date":"2023-01-06T23:00:00","date_gmt":"2023-01-06T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=72784"},"modified":"2023-01-06T19:29:57","modified_gmt":"2023-01-06T19:29:57","slug":"conheca-emprestimo-caixa-tem","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/conheca-emprestimo-caixa-tem\/","title":{"rendered":"Descoperi\u021bi \u00eemprumutul Caixa Tem"},"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-solicitacao-online-possibilidade-de-renegociacao-e-outras-exclusividades\">Cerere online, posibilitate de renegociere \u0219i alte exclusivit\u0103\u021bi<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Antes de mais nada, veja aqui as caracter\u00edsticas sobre o empr\u00e9stimo Caixa Tem. Fonte: Freepik \/ Caixa Tem.\"  id=\"72785\" src=\"https:\/\/cdn.adtechpanda.com\/f1e0d766-2582-4c67-9e45-425cd549d0db\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >\u00cen primul r\u00e2nd, vezi aici caracteristicile \u00eemprumutului Caixa Tem. Sursa: Freepik \/ Caixa Tem.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru cei care au nevoie de un \u00eemprumut, \u00eemprumutul Caixa Tem poate fi o op\u021biune bun\u0103.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este un tip de credit oferit de banca Caixa Econ\u00f4mica Federal, \u00een care este posibil s\u0103 ob\u021bii diferite limite pentru a avea grij\u0103 de finan\u021bele companiei tale, cu dob\u00e2nzi competitive \u0219i un termen de plat\u0103 prelungit.<\/p>\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Venit minim<\/strong><\/td><td>Nu este specificat<\/td><\/tr><tr><td><strong>Dob\u00e2nd\u0103<\/strong><\/td><td>De la 3.991 TP3T pe lun\u0103<\/td><\/tr><tr><td><strong>Termen de plat\u0103<\/strong><\/td><td>P\u00e2n\u0103 la 24 de luni<\/td><\/tr><tr><td><strong>perioada de lansare<\/strong><\/td><td>Nu este specificat<\/td><\/tr><tr><td><strong>sum\u0103 \u00eemprumutat\u0103<\/strong><\/td><td>P\u00e2n\u0103 la R$ 3.000,00<\/td><\/tr><tr><td><strong>Accepta\u021bi negative?<\/strong><\/td><td>Nu este specificat<\/td><\/tr><tr><td><strong>Beneficii<\/strong><\/td><td>Aplica\u021bie online, depunere direct\u0103 \u00een cont, disponibil\u0103 pentru cei care primesc ajutor Braziliei<\/td><\/tr><\/tbody><\/table><figcaption>Tabel - \u00cemprumut Caixa Tem<\/figcaption><\/figure>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2fkVr1\">\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-credito-caixa-tem\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 solicita\u021bi creditul Caixa Tem\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ca3d8ff6-1c8e-4cb3-9e5d-e841afb932a8\/\" 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-credito-caixa-tem\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 solicita\u021bi creditul Caixa Tem\">\n            Cum s\u0103 solicita\u021bi creditul Caixa Tem        <\/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            Dac\u0103 creditul Caixa Tem v-a atras aten\u021bia, asigura\u021bi-v\u0103 c\u0103 consulta\u021bi acest articol pentru a afla, \u00een practic\u0103, cum s\u0103 v\u0103 face\u021bi cererea. Uite aici!        <\/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-credito-caixa-tem\/\"  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-credito-caixa-tem\/\"  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\/ca3d8ff6-1c8e-4cb3-9e5d-e841afb932a8\/\">          \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 solicita\u021bi creditul Caixa Tem              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-credito-caixa-tem\/\"  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>\u00cen acest articol, v\u0103 vom ar\u0103ta cum func\u021bioneaz\u0103 \u00eemprumutul Caixa Tem \u0219i care sunt avantajele \u0219i dezavantajele acestuia.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, sunte\u021bi interesat \u0219i dori\u021bi s\u0103 afla\u021bi mai multe despre \u00eemprumutul Caixa Tem? Continua\u021bi s\u0103 citi\u021bi \u0219i verifica\u021bi mai multe informa\u021bii.<\/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 \u00eemprumutul Caixa Tem?<\/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 de contas, voc\u00ea sabe o funcionamento do empr\u00e9stimo Caixa Tem? Te contamos a seguir, veja! Fonte: Freepik.\"  id=\"72786\" src=\"https:\/\/cdn.adtechpanda.com\/74210cf3-d541-4441-83cd-f0ef225ce1c1\/\" 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, \u0219tii cum func\u021bioneaz\u0103 \u00eemprumutul Caixa Tem? V\u0103 spunem \u00een continuare, vede\u021bi! Sursa: Freepik.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cemprumutul Caixa Tem este un \u00eemprumut destinat antreprenorilor persoane fizice \u0219i microantreprenorilor individuali (MEI) care doresc s\u0103-\u0219i \u00eembun\u0103t\u0103\u021beasc\u0103 afacerea \u0219i s\u0103 aib\u0103 mai multe oportunit\u0103\u021bi de a extinde acoperirea companiei lor.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu suma \u00eemprumutului, pute\u021bi pl\u0103ti salariile angaja\u021bilor \u0219i pute\u021bi recupera salariile, ajuta\u021bi cu cheltuielile de zi cu zi, pl\u0103ti\u021bi furnizorii, pl\u0103ti\u021bi facturi la ap\u0103, chirie \u0219i electricitate, cump\u0103ra\u021bi materii prime, bunuri pentru rev\u00e2nzare etc.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este digital 100% \u0219i este solicitat direct de aplica\u021bia Caixa Tem. Dac\u0103 nu ave\u021bi cont, \u00eel pute\u021bi solicita la agen\u021biile Caixa. Pentru persoane fizice, \u00eemprumutul este de p\u00e2n\u0103 la 1.000,00 R$, cu p\u00e2n\u0103 la 24 de luni de pl\u0103tit \u0219i rate \u00eentre 3.99% pe lun\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen cele din urm\u0103, creditul pentru micro-antreprenori ofer\u0103 sume de p\u00e2n\u0103 la R$ 3.000,00 pentru extinderea \u0219i \u00eembun\u0103t\u0103\u021birea afacerii dumneavoastr\u0103, cu tarife personalizate \u0219i f\u0103r\u0103 comision de deschidere sau cerere de credit, iar perioada de rate este de p\u00e2n\u0103 la 24 de rate.<\/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 limita de \u00eemprumut?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Valoarea limit\u0103 de credit a \u00eemprumutului Caixa Tem, pentru persoane fizice, este de 1.000,00 R$, iar pentru micro\u00eentreprinz\u0103torii individuali este de 3.000,00 R$.<\/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>Pentru cine este \u00eemprumutul?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Creditul este potrivit persoanelor peste 18 ani, cu sau nu cont Caixa Tem, care sunt antreprenori individuali sau micro-intreprinzatori individuali. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, pot aplica \u0219i beneficiarii Aux\u00edlio Brasil. \u00cen afar\u0103 de asta, site-ul nu specific\u0103 un alt public \u021bint\u0103 pentru \u00eemprumut.<\/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>\u00cemprumut \u00een numerar Merit\u0103?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cel mai bun mod de a \u0219ti dac\u0103 un \u00eemprumut merit\u0103 pentru tine este s\u0103-i cuno\u0219ti avantajele \u0219i dezavantajele. Mai jos, consulta\u021bi aceste puncte principale despre \u00eemprumutul Caixa Tem.<\/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>Beneficii<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cemprumutul Caixa Tem ofer\u0103 mai multe beneficii antreprenorilor, cum ar fi:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>\u00cemprumut ideal pentru companiile care doresc s\u0103-\u0219i \u00eembun\u0103t\u0103\u021beasc\u0103 afacerea \u0219i au mai multe oportunit\u0103\u021bi de a-\u0219i extinde acoperirea;<\/li><li>\u00eemprumut digital 100%;\u00a0<\/li><li>Solicita\u021bi direct prin aplica\u021bia Caixa Tem;<\/li><li>Cei care nu au cont \u00eel pot solicita la agen\u021biile Caixa;<\/li><li>Pentru persoane fizice, \u00eemprumutul este de p\u00e2n\u0103 la R$ 1.000,00;<\/li><li>P\u00e2n\u0103 la 24 de luni de plat\u0103;<\/li><li>Rate intre 3.99% pe luna pentru imprumutul individual;<\/li><li>Valori de p\u00e2n\u0103 la R$ 3.000,00 pentru a v\u0103 extinde \u0219i \u00eembun\u0103t\u0103\u021bi afacerea pentru microantreprenori individuali;<\/li><li>Tarife personalizate pentru microantreprenori;<\/li><li>F\u0103r\u0103 comision de deschidere sau cerere de credit;<\/li><li>etc.<\/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>Dezavantaje<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar, pe c\u00e2t de mult \u00eemprumutul are multe beneficii, are totu\u0219i c\u00e2teva dezavantaje, cum ar fi:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Cererea online, a\u0219adar, cei care nu sunt obi\u0219nui\u021bi cu ea s-ar putea s\u0103 nu se adapteze;<\/li><li>Sub rezerva revizuirii creditului;<\/li><li>Solicitantul nu poate avea datorii restante mai mari de R$ 3.000,00 la Caixa Econ\u00f4mica Federal;<\/li><li>etc.<\/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<h2>Cum s\u0103 ob\u021bine\u021bi un \u00eemprumut Caixa Tem?<\/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 de contas, como fazer o seu empr\u00e9stimo? Confira o passo a passo antes de pedir o seu. Fonte: Freepik.\"  id=\"72787\" src=\"https:\/\/cdn.adtechpanda.com\/11d76b91-3a29-403e-8a89-202824c32d3d\/\" 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 s\u0103-\u021bi faci \u00eemprumutul? Consulta\u021bi pas cu pas \u00eenainte de a-l comanda. Sursa: Freepik.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru cei care au deja cont la Caixa Tem, cererea se face direct prin intermediul aplica\u021biei. Doar deschide\u021bi aplica\u021bia, actualiza\u021bi \u00eenregistrarea \u0219i face\u021bi cererea de credit. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 aceea, a\u0219tepta\u021bi doar analiza creditului, iar \u00een termen de 10 zile lucr\u0103toare Caixa Tem v\u0103 va contacta. Dup\u0103 aprobare, banii intr\u0103 direct \u00een contul dvs. de economii Caixa Tem.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru cei care nu au cont Caixa Tem, pot aplica direct la sucursale, insa procesul va fi mai usor si va aduce mai multe sanse de a obtine suma daca isi deschid contul gratuit, direct prin intermediul aplicatiei.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar, dac\u0103 dori\u021bi s\u0103 vede\u021bi mai multe informa\u021bii despre cum s\u0103 aplica\u021bi pentru \u00eemprumut, face\u021bi clic mai jos \u0219i verifica\u021bi mai multe detalii.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z27Lfcy\">\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-credito-caixa-tem\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 solicita\u021bi creditul Caixa Tem\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ca3d8ff6-1c8e-4cb3-9e5d-e841afb932a8\/\" 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-credito-caixa-tem\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 solicita\u021bi creditul Caixa Tem\">\n            Cum s\u0103 solicita\u021bi creditul Caixa Tem        <\/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            Dac\u0103 creditul Caixa Tem v-a atras aten\u021bia, asigura\u021bi-v\u0103 c\u0103 consulta\u021bi acest articol pentru a afla, \u00een practic\u0103, cum s\u0103 v\u0103 face\u021bi cererea. Uite aici!        <\/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-credito-caixa-tem\/\"  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-credito-caixa-tem\/\"  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\/ca3d8ff6-1c8e-4cb3-9e5d-e841afb932a8\/\">          \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 solicita\u021bi creditul Caixa Tem              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-credito-caixa-tem\/\"  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>Dac\u0103 vrei un \u00eemprumut cu o analiz\u0103 rapid\u0103 \u0219i care merge direct \u00een contul t\u0103u, \u00eemprumutul Caixa Tem este o op\u021biune grozav\u0103. Pentru a afla mai multe despre el, trebuie doar s\u0103 continua\u021bi s\u0103 citi\u021bi articolul \u0219i s\u0103 consulta\u021bi mai multe informa\u021bii.<\/p>","protected":false},"author":36,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[36],"tags":[1765,756,4719],"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 Caixa Tem - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Conhe\u00e7a o empr\u00e9stimo Caixa Tem, voltado a empreendedores f\u00edsico ou microempreendedor individual, com taxas competitivas e muito mais.\" \/>\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-caixa-tem\/\" \/>\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 Caixa Tem\" \/>\n<meta property=\"og:description\" content=\"Conhe\u00e7a o empr\u00e9stimo Caixa Tem, voltado a empreendedores f\u00edsico ou microempreendedor individual, com taxas competitivas e muito mais.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/ro\/conheca-emprestimo-caixa-tem\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-06T23:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-06T19:29:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.adtechpanda.com\/f1e0d766-2582-4c67-9e45-425cd549d0db\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Maria Lu\u00edsa Barbosa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 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-caixa-tem\/#primaryimage\",\"url\":\"https:\/\/cdn.adtechpanda.com\/f1e0d766-2582-4c67-9e45-425cd549d0db\/\",\"contentUrl\":\"https:\/\/cdn.adtechpanda.com\/f1e0d766-2582-4c67-9e45-425cd549d0db\/\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/senhorpanda.com\/conheca-emprestimo-caixa-tem\/#webpage\",\"url\":\"https:\/\/senhorpanda.com\/conheca-emprestimo-caixa-tem\/\",\"name\":\"Conhe\u00e7a o empr\u00e9stimo Caixa Tem - Senhor Panda\",\"isPartOf\":{\"@id\":\"https:\/\/senhorpanda.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/senhorpanda.com\/conheca-emprestimo-caixa-tem\/#primaryimage\"},\"datePublished\":\"2023-01-06T23:00:00+00:00\",\"dateModified\":\"2023-01-06T19:29:57+00:00\",\"author\":{\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/9165fa6a4c67507db09d5003078e2f77\"},\"description\":\"Conhe\u00e7a o empr\u00e9stimo Caixa Tem, voltado a empreendedores f\u00edsico ou microempreendedor individual, com taxas competitivas e muito mais.\",\"breadcrumb\":{\"@id\":\"https:\/\/senhorpanda.com\/conheca-emprestimo-caixa-tem\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/senhorpanda.com\/conheca-emprestimo-caixa-tem\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/senhorpanda.com\/conheca-emprestimo-caixa-tem\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/senhorpanda.com\/ro\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Conhe\u00e7a o empr\u00e9stimo Caixa Tem\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/9165fa6a4c67507db09d5003078e2f77\",\"name\":\"Maria Lu\u00edsa Barbosa\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d05cc592fe884a29190d7b236bd558b3?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d05cc592fe884a29190d7b236bd558b3?s=96&d=mm&r=g\",\"caption\":\"Maria Lu\u00edsa Barbosa\"},\"description\":\"Publicit\u00e1ria com vasta experi\u00eancia em cria\u00e7\u00e3o de conte\u00fado para web. Escrevo sobre finan\u00e7as h\u00e1 mais de um ano com objetivo de te auxiliar a ter uma melhor experi\u00eancia financeira. Nas horas vagas, sou m\u00e3e de pet, amante da arte e da moda. Prazer, Malu! (:\",\"url\":\"https:\/\/senhorpanda.com\/ro\/author\/malu\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Conhe\u00e7a o empr\u00e9stimo Caixa Tem - Senhor Panda","description":"Conhe\u00e7a o empr\u00e9stimo Caixa Tem, voltado a empreendedores f\u00edsico ou microempreendedor individual, com taxas competitivas e muito mais.","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-caixa-tem\/","og_locale":"ro_RO","og_type":"article","og_title":"Conhe\u00e7a o empr\u00e9stimo Caixa Tem","og_description":"Conhe\u00e7a o empr\u00e9stimo Caixa Tem, voltado a empreendedores f\u00edsico ou microempreendedor individual, com taxas competitivas e muito mais.","og_url":"https:\/\/senhorpanda.com\/ro\/conheca-emprestimo-caixa-tem\/","og_site_name":"Senhor Panda","article_published_time":"2023-01-06T23:00:00+00:00","article_modified_time":"2023-01-06T19:29:57+00:00","og_image":[{"url":"https:\/\/cdn.adtechpanda.com\/f1e0d766-2582-4c67-9e45-425cd549d0db\/"}],"twitter_card":"summary_large_image","twitter_misc":{"Written by":"Maria Lu\u00edsa Barbosa","Est. reading time":"5 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-caixa-tem\/#primaryimage","url":"https:\/\/cdn.adtechpanda.com\/f1e0d766-2582-4c67-9e45-425cd549d0db\/","contentUrl":"https:\/\/cdn.adtechpanda.com\/f1e0d766-2582-4c67-9e45-425cd549d0db\/"},{"@type":"WebPage","@id":"https:\/\/senhorpanda.com\/conheca-emprestimo-caixa-tem\/#webpage","url":"https:\/\/senhorpanda.com\/conheca-emprestimo-caixa-tem\/","name":"Conhe\u00e7a o empr\u00e9stimo Caixa Tem - Senhor Panda","isPartOf":{"@id":"https:\/\/senhorpanda.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/senhorpanda.com\/conheca-emprestimo-caixa-tem\/#primaryimage"},"datePublished":"2023-01-06T23:00:00+00:00","dateModified":"2023-01-06T19:29:57+00:00","author":{"@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/9165fa6a4c67507db09d5003078e2f77"},"description":"Conhe\u00e7a o empr\u00e9stimo Caixa Tem, voltado a empreendedores f\u00edsico ou microempreendedor individual, com taxas competitivas e muito mais.","breadcrumb":{"@id":"https:\/\/senhorpanda.com\/conheca-emprestimo-caixa-tem\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/senhorpanda.com\/conheca-emprestimo-caixa-tem\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/senhorpanda.com\/conheca-emprestimo-caixa-tem\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/senhorpanda.com\/ro\/"},{"@type":"ListItem","position":2,"name":"Conhe\u00e7a o empr\u00e9stimo Caixa Tem"}]},{"@type":"Person","@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/9165fa6a4c67507db09d5003078e2f77","name":"Maria Lu\u00edsa Barbosa","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d05cc592fe884a29190d7b236bd558b3?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d05cc592fe884a29190d7b236bd558b3?s=96&d=mm&r=g","caption":"Maria Lu\u00edsa Barbosa"},"description":"Publicit\u00e1ria com vasta experi\u00eancia em cria\u00e7\u00e3o de conte\u00fado para web. Escrevo sobre finan\u00e7as h\u00e1 mais de um ano com objetivo de te auxiliar a ter uma melhor experi\u00eancia financeira. Nas horas vagas, sou m\u00e3e de pet, amante da arte e da moda. Prazer, Malu! (:","url":"https:\/\/senhorpanda.com\/ro\/author\/malu\/"}]}},"_links":{"self":[{"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/posts\/72784"}],"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\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/comments?post=72784"}],"version-history":[{"count":0,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/posts\/72784\/revisions"}],"wp:attachment":[{"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/media?parent=72784"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/categories?post=72784"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/senhorpanda.com\/ro\/wp-json\/wp\/v2\/tags?post=72784"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}