{"id":340,"date":"2022-07-22T15:20:25","date_gmt":"2022-07-22T18:20:25","guid":{"rendered":"https:\/\/gruposimrio.com.br\/?page_id=340"},"modified":"2024-04-30T16:26:52","modified_gmt":"2024-04-30T19:26:52","slug":"deposito-antecipado","status":"publish","type":"page","link":"https:\/\/gruposimrio.com.br\/index.php\/deposito-antecipado\/","title":{"rendered":"Dep\u00f3sito antecipado"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"340\" class=\"elementor elementor-340\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b708518 elementor-section-height-min-height elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-items-middle elementor-invisible\" data-id=\"b708518\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-50277b8\" data-id=\"50277b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-62d6f70 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"62d6f70\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Siga nossas redes sociais:<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d23adfc elementor-widget__width-auto elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"d23adfc\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.elementor-widget-social-icons.elementor-grid-0 .elementor-widget-container,.elementor-widget-social-icons.elementor-grid-mobile-0 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svg{fill:var(--e-social-icon-icon-color)}.elementor-social-icon:last-child{margin:0}.elementor-social-icon:hover{opacity:.9;color:#fff}.elementor-social-icon-android{background-color:#a4c639}.elementor-social-icon-apple{background-color:#999}.elementor-social-icon-behance{background-color:#1769ff}.elementor-social-icon-bitbucket{background-color:#205081}.elementor-social-icon-codepen{background-color:#000}.elementor-social-icon-delicious{background-color:#39f}.elementor-social-icon-deviantart{background-color:#05cc47}.elementor-social-icon-digg{background-color:#005be2}.elementor-social-icon-dribbble{background-color:#ea4c89}.elementor-social-icon-elementor{background-color:#d30c5c}.elementor-social-icon-envelope{background-color:#ea4335}.elementor-social-icon-facebook,.elementor-social-icon-facebook-f{background-color:#3b5998}.elementor-social-icon-flickr{background-color:#0063dc}.elementor-social-icon-foursquare{background-color:#2d5be3}.elementor-social-icon-free-code-camp,.elementor-social-icon-freecodecamp{background-color:#006400}.elementor-social-icon-github{background-color:#333}.elementor-social-icon-gitlab{background-color:#e24329}.elementor-social-icon-globe{background-color:#818a91}.elementor-social-icon-google-plus,.elementor-social-icon-google-plus-g{background-color:#dd4b39}.elementor-social-icon-houzz{background-color:#7ac142}.elementor-social-icon-instagram{background-color:#262626}.elementor-social-icon-jsfiddle{background-color:#487aa2}.elementor-social-icon-link{background-color:#818a91}.elementor-social-icon-linkedin,.elementor-social-icon-linkedin-in{background-color:#0077b5}.elementor-social-icon-medium{background-color:#00ab6b}.elementor-social-icon-meetup{background-color:#ec1c40}.elementor-social-icon-mixcloud{background-color:#273a4b}.elementor-social-icon-odnoklassniki{background-color:#f4731c}.elementor-social-icon-pinterest{background-color:#bd081c}.elementor-social-icon-product-hunt{background-color:#da552f}.elementor-social-icon-reddit{background-color:#ff4500}.elementor-social-icon-rss{background-color:#f26522}.elementor-social-icon-shopping-cart{background-color:#4caf50}.elementor-social-icon-skype{background-color:#00aff0}.elementor-social-icon-slideshare{background-color:#0077b5}.elementor-social-icon-snapchat{background-color:#fffc00}.elementor-social-icon-soundcloud{background-color:#f80}.elementor-social-icon-spotify{background-color:#2ebd59}.elementor-social-icon-stack-overflow{background-color:#fe7a15}.elementor-social-icon-steam{background-color:#00adee}.elementor-social-icon-stumbleupon{background-color:#eb4924}.elementor-social-icon-telegram{background-color:#2ca5e0}.elementor-social-icon-thumb-tack{background-color:#1aa1d8}.elementor-social-icon-tripadvisor{background-color:#589442}.elementor-social-icon-tumblr{background-color:#35465c}.elementor-social-icon-twitch{background-color:#6441a5}.elementor-social-icon-twitter{background-color:#1da1f2}.elementor-social-icon-viber{background-color:#665cac}.elementor-social-icon-vimeo{background-color:#1ab7ea}.elementor-social-icon-vk{background-color:#45668e}.elementor-social-icon-weibo{background-color:#dd2430}.elementor-social-icon-weixin{background-color:#31a918}.elementor-social-icon-whatsapp{background-color:#25d366}.elementor-social-icon-wordpress{background-color:#21759b}.elementor-social-icon-xing{background-color:#026466}.elementor-social-icon-yelp{background-color:#af0606}.elementor-social-icon-youtube{background-color:#cd201f}.elementor-social-icon-500px{background-color:#0099e5}.elementor-shape-rounded .elementor-icon.elementor-social-icon{border-radius:10%}.elementor-shape-circle .elementor-icon.elementor-social-icon{border-radius:50%}<\/style>\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-821f308\" href=\"https:\/\/www.facebook.com\/Grupo-Sim-Rio-1049816258521270\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-facebook\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-5733a9f\" href=\"https:\/\/www.instagram.com\/gruposimrio\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-instagram\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-45c4ede\" data-id=\"45c4ede\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd64425 elementor-icon-list--layout-inline elementor-align-right elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bd64425\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.elementor-widget.elementor-icon-list--layout-inline .elementor-widget-container{overflow:hidden}.elementor-widget .elementor-icon-list-items.elementor-inline-items{margin-right:-8px;margin-left:-8px}.elementor-widget .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item{margin-right:8px;margin-left:8px}.elementor-widget .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item:after{width:auto;left:auto;right:auto;position:relative;height:100%;border-top:0;border-bottom:0;border-right:0;border-left-width:1px;border-style:solid;right:-8px}.elementor-widget .elementor-icon-list-items{list-style-type:none;margin:0;padding:0}.elementor-widget .elementor-icon-list-item{margin:0;padding:0;position:relative}.elementor-widget .elementor-icon-list-item:after{position:absolute;bottom:0;width:100%}.elementor-widget .elementor-icon-list-item,.elementor-widget .elementor-icon-list-item a{display:-webkit-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-size:inherit}.elementor-widget .elementor-icon-list-icon+.elementor-icon-list-text{-ms-flex-item-align:center;align-self:center;padding-left:5px}.elementor-widget .elementor-icon-list-icon{display:-webkit-box;display:-ms-flexbox;display:flex}.elementor-widget .elementor-icon-list-icon svg{width:var(--e-icon-list-icon-size,1em);height:var(--e-icon-list-icon-size,1em)}.elementor-widget .elementor-icon-list-icon i{width:1.25em;font-size:var(--e-icon-list-icon-size)}.elementor-widget.elementor-widget-icon-list .elementor-icon-list-icon{text-align:var(--e-icon-list-icon-align)}.elementor-widget.elementor-widget-icon-list .elementor-icon-list-icon svg{margin:var(--e-icon-list-icon-margin,0 calc(var(--e-icon-list-icon-size, 1em) * .25) 0 0)}.elementor-widget.elementor-list-item-link-full_width a{width:100%}.elementor-widget.elementor-align-center .elementor-icon-list-item,.elementor-widget.elementor-align-center .elementor-icon-list-item 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.elementor-icon-list-items{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end}.elementor-widget:not(.elementor-align-right) .elementor-icon-list-item:after{left:0}.elementor-widget:not(.elementor-align-left) .elementor-icon-list-item:after{right:0}@media (max-width:1024px){.elementor-widget.elementor-tablet-align-center .elementor-icon-list-item,.elementor-widget.elementor-tablet-align-center .elementor-icon-list-item a,.elementor-widget.elementor-tablet-align-center .elementor-icon-list-items{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-tablet-align-center .elementor-icon-list-item:after{margin:auto}.elementor-widget.elementor-tablet-align-left .elementor-icon-list-items{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start}.elementor-widget.elementor-tablet-align-left .elementor-icon-list-item,.elementor-widget.elementor-tablet-align-left .elementor-icon-list-item a{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start;text-align:left}.elementor-widget.elementor-tablet-align-right .elementor-icon-list-items{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end}.elementor-widget.elementor-tablet-align-right .elementor-icon-list-item,.elementor-widget.elementor-tablet-align-right .elementor-icon-list-item a{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end;text-align:right}.elementor-widget:not(.elementor-tablet-align-right) .elementor-icon-list-item:after{left:0}.elementor-widget:not(.elementor-tablet-align-left) .elementor-icon-list-item:after{right:0}}@media (max-width:767px){.elementor-widget.elementor-mobile-align-center .elementor-icon-list-item,.elementor-widget.elementor-mobile-align-center .elementor-icon-list-item a,.elementor-widget.elementor-mobile-align-center 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*\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"500\" height=\"500\" src=\"https:\/\/gruposimrio.com.br\/wp-content\/uploads\/2022\/07\/181291955_1803528863150002_3476544128732655497_n-removebg-preview.png\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/gruposimrio.com.br\/wp-content\/uploads\/2022\/07\/181291955_1803528863150002_3476544128732655497_n-removebg-preview.png 500w, https:\/\/gruposimrio.com.br\/wp-content\/uploads\/2022\/07\/181291955_1803528863150002_3476544128732655497_n-removebg-preview-300x300.png 300w, https:\/\/gruposimrio.com.br\/wp-content\/uploads\/2022\/07\/181291955_1803528863150002_3476544128732655497_n-removebg-preview-150x150.png 150w, 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fa-caret-down\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/gruposimrio.com.br\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-nav-menu.min.css\">\t\t\t<nav migration_allowed=\"1\" migrated=\"0\" role=\"navigation\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-underline e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-6b666f3\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-244\"><a href=\"https:\/\/gruposimrio.com.br\/\" class=\"elementor-item\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-241\"><a href=\"#quemsomos\" class=\"elementor-item elementor-item-anchor\">Quem Somos<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-242\"><a href=\"#servicos\" class=\"elementor-item elementor-item-anchor\">Servi\u00e7os<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-243\"><a href=\"#contato\" class=\"elementor-item elementor-item-anchor\">Contato<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open eicon-menu-bar\"><\/i><i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close eicon-close\"><\/i>\t\t\t<span class=\"elementor-screen-only\">Menu<\/span>\n\t\t<\/div>\n\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" role=\"navigation\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-6b666f3\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-244\"><a href=\"https:\/\/gruposimrio.com.br\/\" class=\"elementor-item\" tabindex=\"-1\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-241\"><a href=\"#quemsomos\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Quem Somos<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-242\"><a href=\"#servicos\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Servi\u00e7os<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-243\"><a href=\"#contato\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Contato<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-aeb0e06\" data-id=\"aeb0e06\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e0f9bd elementor-align-right elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-button\" data-id=\"2e0f9bd\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/api.whatsapp.com\/send?phone=5521991716822&#038;text=Ol%C3%A1%2C%20gostaria%20de%20informa%C3%A7%C3%B5es.\" class=\"elementor-button-link elementor-button elementor-size-sm elementor-animation-grow\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Simule aqui<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b94882 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"5b94882\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-91ca634\" data-id=\"91ca634\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d802aa elementor-widget elementor-widget-spacer\" data-id=\"9d802aa\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.e-container.e-container--row .elementor-spacer-inner{width:var(--spacer-size)}.e-container.e-container--column .elementor-spacer-inner,.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e19ccdd elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e19ccdd\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">N\u00f3s oferecemos diversos tipos de servi\u00e7os financeiros<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38adb68 elementor-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"38adb68\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;_animation_delay&quot;:1000}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/api.whatsapp.com\/send?phone=5521991716822&#038;text=Ol%C3%A1%2C%20gostaria%20de%20informa%C3%A7%C3%B5es.\" class=\"elementor-button-link elementor-button elementor-size-sm elementor-animation-grow\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">WhatsApp<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c82d471 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c82d471\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6d59c77\" data-id=\"6d59c77\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0cdb8b5 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0cdb8b5\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Dep\u00f3sito antecipado no empr\u00e9stimo consignado: \u00c9 preciso pagar alguma taxa?<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cd69201 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cd69201\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cc4334b\" data-id=\"cc4334b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73cbf8e elementor-widget elementor-widget-text-editor\" data-id=\"73cbf8e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Saiba quais s\u00e3o taxas n\u00e3o podem ser cobradas antecipadamente.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a521023 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a521023\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c6c0cd\" data-id=\"4c6c0cd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68f1250 elementor-widget elementor-widget-image\" data-id=\"68f1250\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"293\" height=\"172\" src=\"https:\/\/gruposimrio.com.br\/wp-content\/uploads\/2022\/07\/transferir.jpg\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" sizes=\"100vw\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e393651 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e393651\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f3bf535\" data-id=\"f3bf535\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8cae3b3 elementor-widget elementor-widget-text-editor\" data-id=\"8cae3b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span id=\"paraphrase-1759831899\" class=\"paraphrase\"><span class=\"added\"><span id=\"synonym-9575083115\" class=\"synonyms\">Pagar<\/span><\/span> <span class=\"added\"><span id=\"synonym-1482156955\" class=\"synonyms\">comiss\u00f5es<\/span>,<\/span> <span id=\"synonym-7390211916\" class=\"synonyms\">taxas<\/span> ou <span class=\"added\">adiantamentos<\/span> <span class=\"added\">em<\/span> <span class=\"added\"><span id=\"synonym-0110025737\" class=\"synonyms\">empr\u00e9stimos<\/span><\/span> <span class=\"added\">em<\/span> <span class=\"added\"><span id=\"synonym-1338197675\" class=\"synonyms\">dinheiro<\/span><\/span> ainda <span class=\"added\">\u00e9<\/span> <span class=\"added\"><span id=\"synonym-0046147605\" class=\"synonyms\">um obst\u00e1culo<\/span><\/span>.<\/span> <span id=\"paraphrase-7369474196\" class=\"paraphrase\"><span class=\"added\"><span id=\"synonym-5281220688\" class=\"synonyms\">Basicamente<\/span><\/span> <span class=\"added\">sobre<\/span> <span class=\"added\">se<\/span> <span class=\"added\">\u00e9<\/span> devido.<\/span> <span id=\"paraphrase-1665004538\" class=\"paraphrase\"><span class=\"added\"><span id=\"synonym-4903197012\" class=\"synonyms\">Descubra<\/span><\/span> se essas <span class=\"added\"><span id=\"synonym-2332318027\" class=\"synonyms\">reivindica\u00e7\u00f5es<\/span><\/span> s\u00e3o <span class=\"added\">leg\u00edtimas<\/span> e como <span id=\"synonym-9849591275\" class=\"synonyms\">garantir<\/span> seu <span id=\"synonym-9719698255\" class=\"synonyms\">cr\u00e9dito<\/span> <span class=\"added\">para<\/span> n\u00e3o ser v\u00edtima de <span class=\"added\"><span id=\"synonym-0685173604\" class=\"synonyms\">uma fraude<\/span><\/span>.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ed4cd9a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ed4cd9a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-223aec0\" data-id=\"223aec0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bbc6b4 elementor-widget elementor-widget-heading\" data-id=\"6bbc6b4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Preciso pagar alguma taxa ou dep\u00f3sito \u00e0 vista para conseguir um empr\u00e9stimo consignado?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-181fc5b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"181fc5b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cbe5440\" data-id=\"cbe5440\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1958bf9 elementor-widget elementor-widget-text-editor\" data-id=\"1958bf9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A resposta \u00e9 n\u00e3o. N\u00e3o h\u00e1 cobran\u00e7a de taxa ou dep\u00f3sito para an\u00e1lise ou libera\u00e7\u00e3o de cr\u00e9dito comissionado. No caso de empr\u00e9stimos pessoais, a cobran\u00e7a de adiantamento \u00e9 ilegal e deve ser comunicada. Infelizmente, na pr\u00e1tica, a situa\u00e7\u00e3o permanece oposta, pois algumas institui\u00e7\u00f5es financeiras exigem indevidamente esse valor. Agora veja por que voc\u00ea n\u00e3o deve pagar a taxa.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fb5e951 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fb5e951\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-06b8c1b\" data-id=\"06b8c1b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d4c8fb elementor-widget elementor-widget-heading\" data-id=\"7d4c8fb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Por que voc\u00ea n\u00e3o deve pagar taxas ou dep\u00f3sitos antecipados ao solicitar um empr\u00e9stimo<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27897e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27897e1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-34b0ea8\" data-id=\"34b0ea8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ab9489 elementor-widget elementor-widget-text-editor\" data-id=\"5ab9489\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Todos os empr\u00e9stimos devem ser originados por um banco ou institui\u00e7\u00e3o financeira e podem ser intermediados por agentes banc\u00e1rios autorizados tamb\u00e9m regulados pelo banco central.<\/p><p>Ent\u00e3o, isso inclui o cr\u00e9dito consignado ou cart\u00e3o de cr\u00e9dito consignado, uma forma de atender aposentados e pensionistas do Instituto Nacional do Seguro Social (INSS), servidores p\u00fablicos federais, estaduais e municipais e trabalhadores de empresas privadas.<\/p><p>Por ser um servi\u00e7o financeiro e ter seus custos diretos e indiretos, n\u00e3o \u00e9 um servi\u00e7o gratuito.<\/p><p>No entanto, todos os custos operacionais, taxas e encargos administrativos e a pr\u00f3pria remunera\u00e7\u00e3o do banco &#8211; em grande parte determinada pelas taxas de juros &#8211; devem ser inclu\u00eddos no custo efetivo total (CET).<\/p><p>O Custo Efetivo Total pode ser entendido como o custo do cr\u00e9dito. Ou seja, a soma de todos os valores relativos \u00e0s opera\u00e7\u00f5es financeiras do banco. A soma \u00e9 expressa como um valor percentual para cada ano (abreviado como % p.a.).<\/p><p>Ao contr\u00e1rio do que muitos pensam, o custo de um empr\u00e9stimo n\u00e3o \u00e9 formado apenas pelo valor solicitado, somado \u00e0 taxa de juros.<\/p><p>Por isso, os interessados devem n\u00e3o s\u00f3 ficar atentos, para evitar golpes, mas tamb\u00e9m avaliar a capacidade de pagamento. Ou seja, considerar o valor final para saber se cabe ou n\u00e3o no bolso.<\/p><p>Outra dica essencial \u00e9 comprar ofertas de linhas de cr\u00e9dito e entre institui\u00e7\u00f5es financeiras \u2013 uma vez que os valores podem variar.<\/p><p>Assim, \u00e9 poss\u00edvel descobrir, por exemplo, o banco onde \u00e9 mais vantajoso fechar neg\u00f3cio. Isso porque ao comparar empr\u00e9stimos entre diferentes bancos, \u00e9 preciso analisar o Custo Efetivo Total e n\u00e3o apenas a taxa de juros.<\/p><p>No fim, uma taxa de juros barata pode n\u00e3o significar tanta vantagem em um banco, se o valor de todos os custos for superior ao do outro.<\/p><p>E para ficar por dentro, relacionamos abaixo as principais taxas que s\u00e3o inclusas no valor contrato do empr\u00e9stimo consignado.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-88b8ab3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"88b8ab3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8c19f0f\" data-id=\"8c19f0f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aaf4819 elementor-widget elementor-widget-heading\" data-id=\"aaf4819\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O que comp\u00f5e o custo de um empr\u00e9stimo consignado?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b563aed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b563aed\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fcde99d\" data-id=\"fcde99d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab0e87c elementor-widget elementor-widget-text-editor\" data-id=\"ab0e87c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Em geral, os custos comuns envolvidos no empr\u00e9stimo pessoal s\u00e3o: taxas de juros, IOF (Imposto sobre Opera\u00e7\u00f5es Financeiras), TAC (Taxa de Abertura de Cr\u00e9dito), taxa de an\u00e1lise de cr\u00e9dito, entre alguns outros.<\/p><p>Saber quais s\u00e3o as taxas, os pre\u00e7os, o custo total de cada m\u00e9todo, pode levar \u00e0 melhor decis\u00e3o.<\/p><p>\u00c9 importante lembrar que esses valores alteram o Custo Efetivo Total e o valor da parcela paga. Em alguns casos, a compara\u00e7\u00e3o entre diferentes linhas de cr\u00e9dito pode chegar a mais de 50% ao ano. \u00c9 por isso que voc\u00ea tem que ter cuidado.<\/p><p>Agora olhe para as principais taxas e encargos inclu\u00eddos no valor do empr\u00e9stimo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24edc8f elementor-widget elementor-widget-heading\" data-id=\"24edc8f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Taxa de juros<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be7f065 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be7f065\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c90d003\" data-id=\"c90d003\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fcabd31 elementor-widget elementor-widget-text-editor\" data-id=\"fcabd31\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A taxa de juros pode ser entendida como o pagamento do banco pelos servi\u00e7os financeiros prestados.<\/p><p>Esse valor pode variar de banco para banco, por\u00e9m, no caso do cr\u00e9dito consignado, as taxas de juros gerais s\u00e3o regulamentadas por um teto \u2013 definido em lei.<\/p><p>Hoje, a taxa m\u00e9dia de juros \u00e9 de 1,80% ao m\u00eas para aposentados e pensionistas do INSS e 2,05% ao m\u00eas para servidores p\u00fablicos (SIAPE). A taxa de juros cobrada no cart\u00e3o de cr\u00e9dito \u00e9 de no m\u00e1ximo 1,80% para benefici\u00e1rios do INSS e, em m\u00e9dia, 4,50% para servidores p\u00fablicos.<\/p><p>Funcion\u00e1rios p\u00fablicos e municipais, bem como funcion\u00e1rios de empresas privadas, podem ter restri\u00e7\u00f5es diferentes, conforme estabelecido em determinadas leis.<\/p><p>A taxa de juros do empr\u00e9stimo consignado \u00e9 menor do que as demais linhas, pois \u00e9 descontada diretamente do benef\u00edcio do INSS ou do contracheque.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-420ec6c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"420ec6c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-62cae97\" data-id=\"62cae97\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7dbd984 elementor-widget elementor-widget-heading\" data-id=\"7dbd984\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">IOF<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b771e8d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b771e8d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b3fa3f4\" data-id=\"b3fa3f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88abed1 elementor-widget elementor-widget-text-editor\" data-id=\"88abed1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>O Imposto sobre Servi\u00e7os Financeiros, como o nome sugere, \u00e9 um imposto cobrado sobre d\u00edvidas, c\u00e2mbio, seguros, cart\u00f5es de cr\u00e9dito, t\u00edtulos e valores mobili\u00e1rios.<\/p><p>O IOF incide apenas sobre o valor principal (o valor efetivamente emprestado). N\u00e3o afeta as taxas de juros.<\/p><p>Devido \u00e0 reforma tribut\u00e1ria, em 2015 o Governo Federal aumentou a al\u00edquota do IOF de 1,5% para 3,0% ao ano, nas atividades de financiamento e empr\u00e9stimos pessoais, conforme Decreto 8.392\/2015.<\/p><p>Empr\u00e9stimos com franquia est\u00e3o sujeitos \u00e0 incid\u00eancia de IOF di\u00e1rio de 0,0082% e acr\u00e9scimo de 0,38% sobre o valor total da opera\u00e7\u00e3o.<\/p><p>Nas opera\u00e7\u00f5es de cr\u00e9dito, o valor \u00e9 acrescido \u00e0 CET, sendo, portanto, repassado ao cliente no c\u00e1lculo das parcelas mensais.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e3511b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e3511b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-221e5d2\" data-id=\"221e5d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a66337 elementor-widget elementor-widget-heading\" data-id=\"1a66337\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pagar IOF para a liberar empr\u00e9stimo\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c7a5c5f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c7a5c5f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-924f88e\" data-id=\"924f88e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a0cab3e elementor-widget elementor-widget-text-editor\" data-id=\"a0cab3e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00c9 importante destacar que o valor do IOF parece estar embutido nas parcelas do empr\u00e9stimo amortizado, ou seja, as parcelas a serem pagas j\u00e1 possuem o valor desse valor. Assim, n\u00e3o \u00e9 permitido o recolhimento antecipado do IOF para desembolso do empr\u00e9stimo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7d23a87 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d23a87\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bf1efe1\" data-id=\"bf1efe1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7af3ddc elementor-widget elementor-widget-heading\" data-id=\"7af3ddc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">TAC<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-820f5e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"820f5e8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e7ddf0d\" data-id=\"e7ddf0d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb1e4f5 elementor-widget elementor-widget-text-editor\" data-id=\"cb1e4f5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>TAC ou Taxa de Acesso ao Cr\u00e9dito \u00e9 uma taxa que os bancos usam ao conceder cr\u00e9dito.<\/p><p>Seu pre\u00e7o m\u00e9dio \u00e9 de R$ 500 ou R$ 600, mas tamb\u00e9m pode variar de acordo com cada institui\u00e7\u00e3o. Como esse valor \u00e9 amortizado durante a vig\u00eancia do contrato, geralmente \u00e9 ignorado.<\/p><p>No entanto, vale ressaltar que seu valor deve ser claramente definido no contrato.<\/p><p>No caso de empr\u00e9stimos pagos a aposentados e pensionistas do INSS, sua cobran\u00e7a n\u00e3o \u00e9 permitida.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e906c28 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e906c28\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b1c7251\" data-id=\"b1c7251\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-14cc107 elementor-widget elementor-widget-heading\" data-id=\"14cc107\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Taxa de an\u00e1lise de cr\u00e9dito\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5268a9b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5268a9b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-edf7c24\" data-id=\"edf7c24\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e6e0fcb elementor-widget elementor-widget-text-editor\" data-id=\"e6e0fcb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Tamb\u00e9m chamada de taxa de registro, ela pode ser cobrada pelo banco como forma de determinar o in\u00edcio do relacionamento com o comprador. Ao contr\u00e1rio do TAC, essa taxa pode ser considerada como o custo de manuten\u00e7\u00e3o dos servi\u00e7os financeiros.<\/p><p>Quem deseja fazer um empr\u00e9stimo consignado n\u00e3o precisa ter uma conta banc\u00e1ria que ofere\u00e7a as melhores condi\u00e7\u00f5es.<\/p><p>Assim, por exemplo, \u00e9 poss\u00edvel ser titular de uma conta em um banco e fazer um contrato de empr\u00e9stimo em outro. No entanto, \u00e9 necess\u00e1rio abrir um cadastro para an\u00e1lise de cr\u00e9dito.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ba69716 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ba69716\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-928fe19\" data-id=\"928fe19\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-12c4298 elementor-widget elementor-widget-heading\" data-id=\"12c4298\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Seguros\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3258761 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3258761\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d1dff03\" data-id=\"d1dff03\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8eac50d elementor-widget elementor-widget-text-editor\" data-id=\"8eac50d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Entre as ap\u00f3lices de seguro mais comuns cobradas pela cobertura de cr\u00e9dito est\u00e3o o seguro de cr\u00e9dito e o seguro de vida prestamista.<\/p><p>Geralmente, essas ap\u00f3lices cobrem o caso de morte ou invalidez tempor\u00e1ria ou permanente do cliente. Alguns seguros cobrem acidentes e perda de emprego, por exemplo.<\/p><p>Nenhum seguro pode ser vendido ou contratado sem o consentimento do mutu\u00e1rio. O agrupamento de produtos ou servi\u00e7os banc\u00e1rios tamb\u00e9m \u00e9 uma pr\u00e1tica desleal.<\/p><p>N\u00e3o h\u00e1 seguro obrigat\u00f3rio, e sua contrata\u00e7\u00e3o \u00e9 opcional. Portanto, fica a crit\u00e9rio do cliente, mesmo no caso do empr\u00e9stimo consignado, ser um contrato ou n\u00e3o.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-69bc0da elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"69bc0da\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ab2e7ab\" data-id=\"ab2e7ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2a9255 elementor-widget elementor-widget-heading\" data-id=\"b2a9255\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Outras despesas<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4ba09a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ba09a9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ebe7d8\" data-id=\"3ebe7d8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48fe907 elementor-widget elementor-widget-text-editor\" data-id=\"48fe907\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Os bancos tamb\u00e9m podem cobrar outras taxas, encargos ou taxas. Mas, como diz a lei, todos os pre\u00e7os devem ser especificados no contrato.<\/p><p>Tamb\u00e9m \u00e9 importante lembrar que nenhuma taxa ou encargos administrativos s\u00e3o pagos antecipadamente ou como parte do contrato.<\/p><p>Esses valores devem ser inclu\u00eddos na CET e pagos nas devidas parcelas, durante a vig\u00eancia do contrato.<\/p><p>Descubra agora onde pode encontrar informa\u00e7\u00e3o sobre o que realmente paga quando contrai um empr\u00e9stimo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-56c9e38 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"56c9e38\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-69f771c\" data-id=\"69f771c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a95df74 elementor-widget elementor-widget-heading\" data-id=\"a95df74\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Onde encontrar as informa\u00e7\u00f5es sobre o Custo Efetivo Total?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43fa287 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43fa287\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-931d540\" data-id=\"931d540\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e3e8206 elementor-widget elementor-widget-text-editor\" data-id=\"e3e8206\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A partir de 3 de mar\u00e7o de 2008, o Conselho Nacional de Finan\u00e7as (CMN) decidiu, por meio da Resolu\u00e7\u00e3o 3.517, que todos os pagamentos por servi\u00e7os financeiros ser\u00e3o divulgados.<\/p><p>Isso fez com que, desde ent\u00e3o, os consumidores tivessem acesso \u00e0 informa\u00e7\u00e3o. Outra vantagem \u00e9 fazer a melhor escolha entre um banco e outro, na hora de pegar qualquer tipo de empr\u00e9stimo.<\/p><p>Portanto, todas as institui\u00e7\u00f5es financeiras devem informar a CET sobre:<\/p><p>fichas cadastrais, pr\u00e9-contratos e c\u00e9dulas de cr\u00e9dito banc\u00e1rio;<br \/>materiais de comunica\u00e7\u00e3o (ou qualquer m\u00eddia) com taxas de juros mensais e anuais ou taxas de parcelamento;<br \/>materiais de vendas (publicidade) com taxas de juros mensais e anuais ou parceladas.<br \/>Por isso, \u00e9 preciso ter cuidado antes de assinar um contrato de empr\u00e9stimo consignado.<\/p><p>Mas se no final voc\u00ea acabar pagando dinheiro ou um dep\u00f3sito adiantado, para garantir seu cr\u00e9dito, j\u00e1 sabe o que fazer.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-178928d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"178928d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c523ef1\" data-id=\"c523ef1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6c9a1d elementor-widget elementor-widget-heading\" data-id=\"a6c9a1d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O que fazer em caso de suspeita de fraude?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5db22ea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5db22ea\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-64862d2\" data-id=\"64862d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22c46a3 elementor-widget elementor-widget-text-editor\" data-id=\"22c46a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A partir de 3 de mar\u00e7o de 2008, o Conselho Financeiro Nacional (CMN) decidiu, pela Decis\u00e3o 3.517, que todos os pagamentos de servi\u00e7os financeiros ser\u00e3o divulgados.<\/p><p>Isso significava que, a partir de ent\u00e3o, os consumidores tinham acesso \u00e0 informa\u00e7\u00e3o. Outra vantagem \u00e9 fazer a melhor escolha entre um banco e outro, na hora de pegar qualquer tipo de empr\u00e9stimo.<\/p><p>Portanto, todas as institui\u00e7\u00f5es financeiras devem informar a CET sobre:<\/p><p>fichas cadastrais, pr\u00e9-contratos e c\u00e9dulas de cr\u00e9dito banc\u00e1rio;<br \/>instrumentos (ou qualquer m\u00eddia) com taxas de juros mensais e anuais ou pagamentos parcelados;<br \/>vender (publicidade) itens a taxas de juros mensais e anuais ou em presta\u00e7\u00f5es.<br \/>Por isso, \u00e9 preciso ter cuidado antes de assinar um contrato de empr\u00e9stimo consignado.<\/p><p>Mas se voc\u00ea acabar pagando em dinheiro ou um dep\u00f3sito adiantado para proteger seu cr\u00e9dito, j\u00e1 sabe o que fazer.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b068d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b068d9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-36df671\" data-id=\"36df671\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-04c41c5 elementor-widget elementor-widget-heading\" data-id=\"04c41c5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">GRUPO SIM RIO<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2707b42 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2707b42\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#2c2c2c;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:-webkit-box;display:-ms-flexbox;display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);-ms-flex-negative:0;flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:-webkit-box;display:-ms-flexbox;display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{-webkit-box-align:center;-ms-flex-align:center;align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:\"\";border-bottom:0;-webkit-box-flex:1;-ms-flex-positive:1;flex-grow:1;border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{-webkit-box-flex:0;-ms-flex-positive:0;flex-grow:0;-ms-flex-negative:100;flex-shrink:100}.elementor-widget-divider--element-align-left .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-left .elementor-divider__element{margin-left:0}.elementor-widget-divider--element-align-right .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{-webkit-box-flex:0;-ms-flex-positive:0;flex-grow:0;-ms-flex-negative:100;flex-shrink:100}.elementor-widget-divider--element-align-right .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-right .elementor-divider__element{margin-right:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cc6022 elementor-widget elementor-widget-text-editor\" data-id=\"1cc6022\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Somos uma empresa especializada e experiente em solu\u00e7\u00f5es de cr\u00e9dito e servi\u00e7os financeiros para pensionistas, 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