{"id":37,"date":"2015-03-11T22:28:38","date_gmt":"2015-03-11T22:28:38","guid":{"rendered":"https:\/\/11ponto11servidor.com.br\/blogsrsiape\/?p=37"},"modified":"2015-03-11T22:28:38","modified_gmt":"2015-03-11T22:28:38","slug":"11-dicas-para-nao-agravar-sua-divida","status":"publish","type":"post","link":"https:\/\/11ponto11servidor.com.br\/blogsrsiape\/11-dicas-para-nao-agravar-sua-divida\/","title":{"rendered":"11 Dicas para n\u00e3o agravar sua d\u00edvida"},"content":{"rendered":"

\"shutterstock_172611944\"<\/a><\/p>\n

1. Verifique as cl\u00e1usulas contratuais e a todas as implica\u00e7\u00f5es do financiamento que tem em andamento. O direito \u00e0 informa\u00e7\u00e3o adequada, suficiente e veraz, \u00e9 um dos pilares do C\u00f3digo de Defesa do Consumidor;<\/p>\n

2. Saiba que o Agente Financeiro n\u00e3o pode condicionar o fornecimento de um servi\u00e7o \u00e0 contrata\u00e7\u00e3o de outro. Por exemplo, a concess\u00e3o de um empr\u00e9stimo n\u00e3o pode ser condicionada \u00e0 contrata\u00e7\u00e3o de um seguro \u2013 isso \u00e9 venda casada, crime;<\/p>\n

3. Pela lei, voc\u00ea n\u00e3o \u00e9 obrigado a pagar por produtos ou servi\u00e7os n\u00e3o solicitados. Devolva cart\u00f5es de cr\u00e9dito ou d\u00e9bito enviados sem pr\u00e9via solicita\u00e7\u00e3o, denuncie;<\/p>\n

4. O sistema financeiro, o vendedor ou o prestador de servi\u00e7os n\u00e3o podem se prevalecer da fraqueza ou ignor\u00e2ncia do consumidor, tendo em vista sua idade, sa\u00fade, conhecimento ou posi\u00e7\u00e3o social, para lhe empurrar produtos ou servi\u00e7os;<\/p>\n

5. O Agente Financeiro n\u00e3o pode exigir do consumidor vantagens exageradas ou desproporcionais em rela\u00e7\u00e3o ao compromisso que assuma na contrata\u00e7\u00e3o de um servi\u00e7o. Antes de contratar, pesquise, compare;<\/p>\n

6. N\u00e3o fa\u00e7a nenhum empr\u00e9stimo, financiamento ou credi\u00e1rio sem saber antes seu Custo Efetivo Total C.E.T.);<\/p>\n

7. Um empr\u00e9stimo n\u00e3o deve comprometer mais do que 30% de sua renda l\u00edquida \u2013 o dinheiro que sobra de seu sal\u00e1rio, aposentadoria, pens\u00e3o ou outras formas de renda, ap\u00f3s o pagamento das contas mensais (\u00e1gua, luz, telefone, g\u00e1s, condom\u00ednio, plano de sa\u00fade, escola, alimenta\u00e7\u00e3o, transporte, medicamentos, vestu\u00e1rio e impostos);<\/p>\n

8. Se voc\u00ea tem emprego tempor\u00e1rio ou recebe rendimentos vari\u00e1veis (por exemplo, como microempres\u00e1rio ou profissional liberal), tenha ainda mais cuidados ao solicitar cr\u00e9dito;<\/p>\n

9. Informe-se sobre todas as modalidades de empr\u00e9stimos, a fim de encontrar as menores taxas de juros e de outros custos envolvidos (taxas, emolumentos, tarifas);<\/p>\n

10. N\u00e3o utilize o cr\u00e9dito rotativo dos cart\u00f5es nem o limite do cheque especial para financiar compras. Procure alternativas de cr\u00e9dito como o Cr\u00e9dito Consignado, que tem taxas inferiores \u00e0s do cheque especial e dos cart\u00f5es de cr\u00e9dito.<\/p>\n

11. O Cr\u00e9dito Consignado, com desconto em folha, costuma ter taxas menores do que as da maioria dos empr\u00e9stimos do mercado. Mesmo assim tenha cuidado ao assumir compromissos financeiros.<\/p>\n

\"\"<\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"

1. Verifique as cl\u00e1usulas contratuais e a todas as implica\u00e7\u00f5es do financiamento que tem em andamento. O direito \u00e0 informa\u00e7\u00e3o adequada, suficiente e veraz, \u00e9 um dos pilares do C\u00f3digo de Defesa do Consumidor; 2. Saiba que o Agente Financeiro n\u00e3o pode condicionar o fornecimento de um servi\u00e7o \u00e0 contrata\u00e7\u00e3o de outro. Por exemplo, a<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-37","post","type-post","status-publish","format-standard","hentry","category-geral"],"acf":[],"yoast_head":"\n11 Dicas para n\u00e3o agravar sua d\u00edvida - Blog do Sr. SIAPE<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blogdosrsiape.com\/11-dicas-para-nao-agravar-sua-divida\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"11 Dicas para n\u00e3o agravar sua d\u00edvida - Blog do Sr. SIAPE\" \/>\n<meta property=\"og:description\" content=\"1. 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