{"id":398,"date":"2015-04-22T11:18:29","date_gmt":"2015-04-22T14:18:29","guid":{"rendered":"https:\/\/11ponto11servidor.com.br\/blogsrsiape\/?p=398"},"modified":"2015-04-22T11:18:29","modified_gmt":"2015-04-22T14:18:29","slug":"a-margem-de-consignacao-podera-ser-de-ate-40","status":"publish","type":"post","link":"https:\/\/11ponto11servidor.com.br\/blogsrsiape\/a-margem-de-consignacao-podera-ser-de-ate-40\/","title":{"rendered":"A Margem de Consigna\u00e7\u00e3o poder\u00e1 ser de at\u00e9 40%"},"content":{"rendered":"<p>A amortiza\u00e7\u00e3o da d\u00edvida do cart\u00e3o s\u00f3 ser\u00e1 poss\u00edvel para as pessoas que t\u00eam esse tipo de cr\u00e9dito no mesmo banco pelo qual recebem o sal\u00e1rio. Mesmo perdendo com os juros baixos do consignado ante as outras duas modalidades, h\u00e1 uma enorme vantagem para os bancos em trocar a d\u00edvida porque reduz a inadimpl\u00eancia do cart\u00e3o de cr\u00e9dito, que hoje est\u00e1 em 40%, segundo dados do Banco Central.<\/p>\n<p>&#8220;Isso \u00e9 muito bom porque autoriza a trocando de uma d\u00edvida cara, do cart\u00e3o de cr\u00e9dito, por uma bem mais em conta, do consignado. Se aprovada, essa medida vai ajudar a liquidar d\u00edvidas do cart\u00e3o de cr\u00e9dito, com certeza&#8221;, afirma Miguel Jos\u00e9 Ribeiro de Oliveira, diretor executivo de Estudos e Pesquisas Econ\u00f4micas da Associa\u00e7\u00e3o Nacional dos Exectuviso de Finan\u00e7as, Administra\u00e7\u00e3o e Contabilidade (Anefac).<\/p>\n<p>Segundo c\u00e1lculos da Anefac, os juros m\u00e9dios praticados nas tr\u00eas categorias mais comuns s\u00e3o: consignado de 2,92% ao m\u00eas (41,25% ao ano), enquanto o cheque especial \u00e9 de 9,64% (201,74% ano) e o cart\u00e3o de cr\u00e9dito \u00e9 de 12,02% m\u00eas (290,43%, ano).<\/p>\n<p>Para Oliveira, a aprova\u00e7\u00e3o tem um lado positivo e um negativo. &#8220;\u00c9 importante ter um limite maior com juros mais baixos, at\u00e9 para que o consumidor consiga evitar <a href=\"https:\/\/blogdosrsiape.files.wordpress.com\/2015\/03\/shutterstock_199360112.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-145\" src=\"https:\/\/blogdosrsiape.files.wordpress.com\/2015\/03\/shutterstock_199360112.jpg?w=229\" alt=\"shutterstock_199360112\" width=\"229\" height=\"300\" \/><\/a>usar o cheque especial e cart\u00e3o de cr\u00e9dito. O cr\u00e9dito barato possibilita que as pessoas fa\u00e7am empr\u00e9stimos mais razo\u00e1veis.&#8221;<\/p>\n<p>O lado negativo, segundo Oliveira, \u00e9 a falta de consci\u00eancia na utiliza\u00e7\u00e3o do cr\u00e9dito. &#8220;O grande problema \u00e9 a m\u00e1 utiliza\u00e7\u00e3o do limite. Por que? A pessoa n\u00e3o vive s\u00f3 desse empr\u00e9stimo e ela vai precisar se organizar. O n\u00famero de 50% \u00e9 alto.&#8221;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A amortiza\u00e7\u00e3o da d\u00edvida do cart\u00e3o s\u00f3 ser\u00e1 poss\u00edvel para as pessoas que t\u00eam esse tipo de cr\u00e9dito no mesmo banco pelo qual recebem o sal\u00e1rio. Mesmo perdendo com os juros baixos do consignado ante as outras duas modalidades, h\u00e1 uma enorme vantagem para os bancos em trocar a d\u00edvida porque reduz a inadimpl\u00eancia do<\/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":[452,507,621,680,800,863,1314,1425],"class_list":["post-398","post","type-post","status-publish","format-standard","hentry","category-geral","tag-cartao-de-credito","tag-cheque-especial","tag-consignacao","tag-credito","tag-divida","tag-emprestimo","tag-juros","tag-margem"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A Margem de Consigna\u00e7\u00e3o poder\u00e1 ser de at\u00e9 40% - 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\/a-margem-de-consignacao-podera-ser-de-ate-40\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Margem de Consigna\u00e7\u00e3o poder\u00e1 ser de at\u00e9 40% - Blog do Sr. SIAPE\" \/>\n<meta property=\"og:description\" content=\"A amortiza\u00e7\u00e3o da d\u00edvida do cart\u00e3o s\u00f3 ser\u00e1 poss\u00edvel para as pessoas que t\u00eam esse tipo de cr\u00e9dito no mesmo banco pelo qual recebem o sal\u00e1rio. 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