Especialistas explicam como evitar a ARMADILHA do crédito consignado

por: Credtimes Foto: Canva

[{"selector":"#anim-f3d09251-a042-4866-87a4-dd8feca36205","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7c5df85b-dc37-4c24-91c1-19532a61120d","keyframes":{"transform":["translate3d(-190.14598%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cf577d3b-8fe3-4366-a3c5-5d0647c97ed9","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-220c9b84-954d-4cd2-8413-bfbee823e215","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-54b840cb-4ac4-49f6-a720-505775fe0aab","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Seta O empréstimo consignado tem parcelas descontadas diretamente do salário ou aposentadoria, oferecendo juros mais baixos.

[{"selector":"#anim-8299e003-5e43-4f44-a9ed-dac6b9fdaecb","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d13c4349-b5ba-4d4d-9f5a-d94ca6d812d4","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fd8b5334-0939-4a2c-884e-30707996f45f","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5d124ba3-284f-483a-8da7-73063d56add6","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-08295f53-3de8-419f-88aa-35b7940b6552","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] O Governo Federal reduziu a taxa de juros do empréstimo consignado, mas riscos financeiros ainda existem. Seta

[{"selector":"#anim-9417caaa-48aa-470f-8b65-de1b8a480aee","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-789abfd6-f67b-4880-96e1-3748d75dfee5","keyframes":{"transform":["translate3d(-190.14598%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-210cbcb8-64c6-49dc-906a-76c1110280b2","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b32421cd-06d1-486a-b7a7-028000ae9413","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-c2b24eca-a48e-414a-9893-0b1176fd36ed","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Seta Trabalhadores CLT, servidores públicos, pensionistas e aposentados do INSS podem solicitar, com regras específicas e comprovação de renda.

[{"selector":"#anim-15227635-c281-4090-8f2f-c3573e4ae38f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b29ae1d3-6e04-42b5-bf73-d7ef6bfa8dbb","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-de8b94ce-91fb-40a7-a3ea-a9b8e5ab49f5","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b491373d-0a90-4d25-9b32-8a20f976c777","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-70af2021-f43c-4b28-aa6c-2cac41611cd7","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Reduz a renda mensal disponível, pode levar a novos empréstimos, dependência do banco e empobrecimento gradual. Seta

[{"selector":"#anim-db9dd52e-ff3b-4848-b596-c1620fccfc1c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-62d805fe-2804-44c7-ae99-29e7ed6e513f","keyframes":{"transform":["translate3d(-190.14598%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8b9e9f51-56cf-48f5-9205-7a101a39e29f","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d06901ba-9b6b-4ad4-a39c-0a201087aee8","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-a95b555a-e695-43dc-9fa3-659cfdbf3d83","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Seta Empréstimo de R$ 20 mil com 1,68% de juros mensais pode resultar em parcelas de R$ 1.873 (12 meses), R$ 1.036 (24 meses), ou R$ 781 (36 meses).

[{"selector":"#anim-3648b176-585a-46ff-87e4-2866d4d0b1fd","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c6ba98b0-6e57-4d67-9af0-373908aa23ab","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5a37962b-0360-4af7-9599-81fd3542543e","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7c64701f-9cc9-4a0c-b1b5-2d8091669806","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b2bab475-25f5-440b-873e-67f103212d30","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Comparar taxas de diferentes instituições, negociar condições, priorizar o pagamento e evitar novos créditos são essenciais para pagar menos juros. Seta

[{"selector":"#anim-5786b949-949d-4ada-8370-96fe0e7bfa00","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-51a75ba9-45c0-4305-9804-edc765c91ee9","keyframes":{"transform":["translate3d(-190.14598%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-522804f3-2394-47e9-b792-4f2924ba4568","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8cc91a3a-3e94-4332-a3c3-0cf5d134f58e","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-300c47b8-06bf-47c1-8fa8-c6575e5547c9","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Seta Limite de 35% da renda para parcelas de empréstimos consignados, mais 10% para uso do cartão de crédito, totalizando 45% da renda comprometida.

[{"selector":"#anim-ecaec97e-2964-4139-9a9f-f1598b918a96","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7e6af203-decd-414c-97da-d8ab011e32a7","keyframes":{"transform":["translate3d(0px, -1557.48909%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ed4c7bb8-7b08-4b24-aff4-f62226be89fa","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-62450f54-4ed4-4280-98f4-bcd54a97174a","keyframes":{"transform":["translate3d(0px, 1655.55596%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Foto: Canva LEIA MAIS EM CREDTIMES.COM.BR Seta