{"id":4167,"date":"2025-04-23T22:55:00","date_gmt":"2025-04-23T22:55:00","guid":{"rendered":"https:\/\/jornal365.com.br\/?p=4167"},"modified":"2025-06-18T18:00:46","modified_gmt":"2025-06-18T18:00:46","slug":"dobiti-zajam-s-losom-kreditnom-sposobnoscu","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/hr\/beneficios\/consiga-emprestimo-com-o-nome-sujo\/","title":{"rendered":"Kako dobiti zajam s lo\u0161om kreditnom sposobno\u0161\u0107u u 2025."},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4167\" class=\"elementor elementor-4167\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc33f3a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"dc33f3a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aca238f elementor-widget elementor-widget-text-editor\" data-id=\"aca238f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"684\" data-end=\"1035\">Ako do\u017eivljavate <strong data-start=\"703\" data-end=\"716\">lo\u0161a kreditna sposobnost<\/strong> i ako vam treba novac za pla\u0107anje ra\u010duna, otplatu dugova ili rje\u0161avanje hitnih slu\u010dajeva, mo\u017eda ste \u010duli da je u takvoj situaciji nemogu\u0107e dobiti zajam. Ali istina je da <strong data-start=\"898\" data-end=\"959\">Doista postoje pouzdane kreditne opcije za one s lo\u0161om kreditnom povije\u0161\u0107u.<\/strong> \u2014 tajna le\u017ei u tome znati gdje gledati, kako to funkcionira i kako izbje\u0107i zamke.<\/p><hr class=\"\" data-start=\"1286\" data-end=\"1289\" \/><h2 class=\"\" data-start=\"1291\" data-end=\"1359\">Imati <strong data-start=\"1300\" data-end=\"1313\">lo\u0161a kreditna sposobnost<\/strong> Zna\u010di li to da ne mo\u017eete uzeti zajam?<\/h2><p class=\"\" data-start=\"1361\" data-end=\"1566\">Ne ba\u0161. Biti s <strong data-start=\"1389\" data-end=\"1402\">lo\u0161a kreditna sposobnost<\/strong> \u2014 to jest, evidentiran kao du\u017enik u ka\u0161njenju pla\u0107anja kod agencija za kreditne reference kao \u0161to su Serasa, SPC ili Boa Vista \u2014 <strong data-start=\"1491\" data-end=\"1534\">Zatvara put, ali ne sprje\u010dava u potpunosti<\/strong> da uspije\u0161 dobiti zajam.<\/p><p class=\"\" data-start=\"1568\" data-end=\"1651\">Neke financijske tvrtke i banke tako\u0111er uzimaju u obzir \u010dimbenike osim ograni\u010denja, kao \u0161to su:<\/p><ul data-start=\"1653\" data-end=\"1777\"><li class=\"\" data-start=\"1653\" data-end=\"1673\"><p class=\"\" data-start=\"1655\" data-end=\"1673\">Potvr\u0111eni prihodi<\/p><\/li><li class=\"\" data-start=\"1674\" data-end=\"1704\"><p class=\"\" data-start=\"1676\" data-end=\"1704\">Povijest transakcija<\/p><\/li><li class=\"\" data-start=\"1705\" data-end=\"1747\"><p class=\"\" data-start=\"1707\" data-end=\"1747\">Zalog (kao \u0161to je vozilo, nekretnina, FGTS)<\/p><\/li><li class=\"\" data-start=\"1748\" data-end=\"1777\"><p class=\"\" data-start=\"1750\" data-end=\"1777\">Mogu\u0107nost pla\u0107anja putem obustave od pla\u0107e<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb4c170 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"cb4c170\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bb358ec e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"bb358ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-76dd3b1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"76dd3b1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7ec5356 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"7ec5356\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a10dbd5 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"a10dbd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jornal365.com.br\/hr\/pogodnosti\/ocistite-svoj-cpf-i-obnovite-svoj-kredit\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/04\/25c9df389ef732f296b07349df8e155d-300x169.jpg\" class=\"attachment-medium size-medium wp-image-4168\" alt=\"lo\u0161a kreditna sposobnost\" srcset=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/04\/25c9df389ef732f296b07349df8e155d-300x169.jpg 300w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/04\/25c9df389ef732f296b07349df8e155d-150x84.jpg 150w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/04\/25c9df389ef732f296b07349df8e155d.jpg 736w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c107f2 elementor-widget elementor-widget-heading\" data-id=\"4c107f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kako o\u010distiti svoj CPF<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92752ef elementor-widget elementor-widget-heading\" data-id=\"92752ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Besplatno<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dece2a0 elementor-widget elementor-widget-button\" data-id=\"dece2a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/hr\/pogodnosti\/ocistite-svoj-cpf-i-obnovite-svoj-kredit\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Gledajte sada<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bca7dd5 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"bca7dd5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f5b7081 elementor-widget elementor-widget-text-editor\" data-id=\"f5b7081\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"\" data-start=\"1784\" data-end=\"1842\">Mogu\u0107nosti zajma za one koji su <strong data-start=\"1829\" data-end=\"1842\">lo\u0161a kreditna sposobnost<\/strong><\/h2><h3 class=\"\" data-start=\"1844\" data-end=\"1878\">1. <strong data-start=\"1851\" data-end=\"1878\">Osigurani zajam<\/strong><\/h3><p class=\"\" data-start=\"1879\" data-end=\"2012\">Nudite imovinu kao jam\u010devinu (automobil, motocikl ili nekretninu). Kao rezultat toga, <strong data-start=\"1948\" data-end=\"1984\">\u0160anse za uspjeh se pove\u0107avaju.<\/strong>, \u010dak i ako imate lo\u0161u kreditnu povijest.<\/p><ul data-start=\"2014\" data-end=\"2107\"><li class=\"\" data-start=\"2014\" data-end=\"2035\"><p class=\"\" data-start=\"2016\" data-end=\"2035\">Ni\u017ee kamatne stope<\/p><\/li><li class=\"\" data-start=\"2036\" data-end=\"2062\"><p class=\"\" data-start=\"2038\" data-end=\"2062\">Du\u017ei rok pla\u0107anja<\/p><\/li><li class=\"\" data-start=\"2063\" data-end=\"2107\"><p class=\"\" data-start=\"2065\" data-end=\"2107\">Nekretnina mora biti na va\u0161e ime i u potpunosti pla\u0107ena.<\/p><\/li><\/ul><h3 class=\"\" data-start=\"2109\" data-end=\"2141\">2. <strong data-start=\"2116\" data-end=\"2141\">Pojedina\u010dni zajam<\/strong><\/h3><p class=\"\" data-start=\"2142\" data-end=\"2288\">Izravno se odbija od va\u0161e isplatnice ili naknade iz INSS-a. Umro\u0161eni, penzioneri, dr\u017eavni slu\u017ebenici i oni zaposleni prema CLT-u i dalje mogu biti podobni \u010dak i ako imaju lo\u0161u kreditnu povijest.<\/p><ul data-start=\"2290\" data-end=\"2378\"><li class=\"\" data-start=\"2290\" data-end=\"2310\"><p class=\"\" data-start=\"2292\" data-end=\"2310\">Brzo objavljivanje<\/p><\/li><li class=\"\" data-start=\"2311\" data-end=\"2358\"><p class=\"\" data-start=\"2313\" data-end=\"2358\">Fiksne rate bez rizika od neizvr\u0161enja obveza<\/p><\/li><li class=\"\" data-start=\"2359\" data-end=\"2378\"><p class=\"\" data-start=\"2361\" data-end=\"2378\">Ni\u017ee kamatne stope<\/p><\/li><\/ul><h3 class=\"\" data-start=\"2380\" data-end=\"2430\">3. <strong data-start=\"2387\" data-end=\"2430\">Zajmovi za osobe s lo\u0161om kreditnom povije\u0161\u0107u od fintech tvrtki<\/strong><\/h3><p class=\"\" data-start=\"2431\" data-end=\"2576\">Neke digitalne tvrtke nude kredit onima koji su <strong data-start=\"2494\" data-end=\"2507\">lo\u0161a kreditna sposobnost<\/strong>, na temelju analize financijskog pona\u0161anja, a ne isklju\u010divo na kreditnom skor.<\/p><p class=\"\" data-start=\"2578\" data-end=\"2587\">Primjeri:<\/p><ul data-start=\"2588\" data-end=\"2651\"><li class=\"\" data-start=\"2588\" data-end=\"2607\"><p class=\"\" data-start=\"2590\" data-end=\"2607\">Da (Santander)<\/p><\/li><li class=\"\" data-start=\"2608\" data-end=\"2616\"><p class=\"\" data-start=\"2610\" data-end=\"2616\">Geru<\/p><\/li><li class=\"\" data-start=\"2617\" data-end=\"2630\"><p class=\"\" data-start=\"2619\" data-end=\"2630\">FinanZero<\/p><\/li><li class=\"\" data-start=\"2631\" data-end=\"2640\"><p class=\"\" data-start=\"2633\" data-end=\"2640\">Pobunjenik<\/p><\/li><li class=\"\" data-start=\"2641\" data-end=\"2651\"><p class=\"\" data-start=\"2643\" data-end=\"2651\">SuperSim<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-175d718 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"175d718\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2dad338 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2dad338\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/hr\/pogodnosti\/ocistite-svoj-cpf-i-obnovite-svoj-kredit\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\ud83d\udc49 Saznajte kako o\u010distiti svoj CPF i obnoviti svoj kredit<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a1f8a50 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"a1f8a50\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b45e7a7 elementor-widget elementor-widget-text-editor\" data-id=\"b45e7a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"\" data-start=\"2653\" data-end=\"2683\">4. <strong data-start=\"2660\" data-end=\"2683\">Avansna uplata FGTS-a<\/strong><\/h3><p class=\"\" data-start=\"2684\" data-end=\"2809\">Ako imate stanje na svom FGTS ra\u010dunu, mo\u017eete podi\u0107i avans na svoju godi\u0161nju isplatu kao oblik zajma \u2014 \u010dak i ako imate lo\u0161u kreditnu povijest.<\/p><ul data-start=\"2811\" data-end=\"2902\"><li class=\"\" data-start=\"2811\" data-end=\"2835\"><p class=\"\" data-start=\"2813\" data-end=\"2835\">Brzo odobreno<\/p><\/li><li class=\"\" data-start=\"2836\" data-end=\"2864\"><p class=\"\" data-start=\"2838\" data-end=\"2864\">Novac se ispla\u0107uje izravno na va\u0161 ra\u010dun<\/p><\/li><li class=\"\" data-start=\"2865\" data-end=\"2902\"><p class=\"\" data-start=\"2867\" data-end=\"2902\">Niske kamatne stope jer je to sigurna garancija<\/p><\/li><\/ul><hr class=\"\" data-start=\"2904\" data-end=\"2907\" \/><h2 class=\"\" data-start=\"2909\" data-end=\"2967\">Korak-po-korak vodi\u010d za podizanje zajma kod <strong data-start=\"2954\" data-end=\"2967\">lo\u0161a kreditna sposobnost<\/strong><\/h2><h3 class=\"\" data-start=\"2969\" data-end=\"3024\">1. <strong data-start=\"2976\" data-end=\"3024\">Saznajte koliko vam je potrebno i koliko si mo\u017eete priu\u0161titi platiti.<\/strong><\/h3><p class=\"\" data-start=\"3025\" data-end=\"3147\">Izbjegavajte posu\u0111ivati vi\u0161e nego \u0161to vam je potrebno. Planirajte svoj prora\u010dun na temelju onoga \u0161to si zapravo mo\u017eete priu\u0161titi pla\u0107ati svakog mjeseca, \u010dak i s kamatom.<\/p><h3 class=\"\" data-start=\"3149\" data-end=\"3188\">2. <strong data-start=\"3156\" data-end=\"3188\">Potra\u017eite ugledne institucije<\/strong><\/h3><p class=\"\" data-start=\"3189\" data-end=\"3320\">Nikada ne vjerujte obe\u0107anjima o \u010dudima. Odaberite banke, financijske tvrtke ovla\u0161tene od strane Sredi\u0161nje banke i dobro poznate platforme.<\/p><h3 class=\"\" data-start=\"3322\" data-end=\"3365\">3. <strong data-start=\"3329\" data-end=\"3365\">Isprobajte online prije nego \u0161to se prijavite.<\/strong><\/h3><p class=\"\" data-start=\"3366\" data-end=\"3494\">Ve\u0107ina web stranica omogu\u0107uje izradu simulacije zajma bez obveze. To zna\u010di da mo\u017eete jasno vidjeti kamatne stope, uvjete otplate i iznose rata.<\/p><h3 class=\"\" data-start=\"3496\" data-end=\"3535\">4. <strong data-start=\"3503\" data-end=\"3535\">Molimo vas da pazite pri unosu svojih podataka.<\/strong><\/h3><p class=\"\" data-start=\"3536\" data-end=\"3637\">Molimo dostavite svoje osobne podatke, dokaz o prihodu i osnovnu dokumentaciju. Nikada ne pla\u0107ajte nikakve naknade unaprijed.<\/p><h3 class=\"\" data-start=\"3639\" data-end=\"3677\">5. <strong data-start=\"3646\" data-end=\"3677\">Molimo pro\u010ditajte ugovor pa\u017eljivo.<\/strong><\/h3><p class=\"\" data-start=\"3678\" data-end=\"3791\">Prije prihva\u0107anja bilo koje ponude, <strong data-start=\"3712\" data-end=\"3790\">Pro\u010ditajte sve uvjete i odredbe, naknade, ugra\u0111eno osiguranje i uvjete pla\u0107anja.<\/strong>.<\/p><h2 class=\"\" data-start=\"3798\" data-end=\"3845\">Va\u017ene mjere opreza kako ne biste postali \u017ertva prijevara<\/h2><p class=\"\" data-start=\"3847\" data-end=\"4159\">\u26a0\ufe0f <strong data-start=\"3850\" data-end=\"3909\">Nikada ne pla\u0107ajte naknadu za isplatu zajma. To je prijevara.<\/strong><br data-start=\"3909\" data-end=\"3912\" \/>\u26a0\ufe0f <strong data-start=\"3915\" data-end=\"3983\">Budite oprezni s obe\u0107anjima poput &#x27;trenuta\u010dnog odobrenja&#x27; ili &#x27;bez procjene&#x27;.<\/strong><br data-start=\"3983\" data-end=\"3986\" \/>\u26a0\ufe0f <strong data-start=\"3989\" data-end=\"4096\">Provjerite je li tvrtka registrirana pri Sredi\u0161njoj banci.<\/strong><br data-start=\"4096\" data-end=\"4099\" \/>\u26a0\ufe0f <strong data-start=\"4102\" data-end=\"4159\">Nemojte slati dokumente putem WhatsAppa ljudima koje ne poznajete.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-037b067 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"037b067\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f13c273 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f13c273\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6249e5a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6249e5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/hr\/pogodnosti\/ocistite-svoj-cpf-i-obnovite-svoj-kredit\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\ud83d\udc49 Saznajte kako o\u010distiti svoj CPF i obnoviti svoj kredit<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-493e38f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"493e38f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69fac2b elementor-widget elementor-widget-text-editor\" data-id=\"69fac2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"\" data-start=\"4166\" data-end=\"4224\">\u010cesto postavljana pitanja o zajmovima s <strong data-start=\"4211\" data-end=\"4224\">lo\u0161a kreditna sposobnost<\/strong><\/h2><p class=\"\" data-start=\"4226\" data-end=\"4366\"><strong data-start=\"4226\" data-end=\"4277\">1. Mogu li dobiti zajam iako imam lo\u0161u kreditnu povijest?<\/strong><br data-start=\"4277\" data-end=\"4280\" \/>Da, osobito u sljede\u0107im sportovima: <strong data-start=\"4318\" data-end=\"4366\">garancija, zajam ili avans s FGTS-a uz prijenos na pla\u0107u.<\/strong><\/p><p class=\"\" data-start=\"4368\" data-end=\"4507\"><strong data-start=\"4368\" data-end=\"4423\">2. Koliki je maksimalan iznos koji mogu posuditi ako imam lo\u0161u kreditnu povijest?<\/strong><br data-start=\"4423\" data-end=\"4426\" \/>Ovisi o shemi. Uz jamstvo ili FGTS mo\u017eda \u0107ete mo\u0107i osigurati ve\u0107e iznose.<\/p><p class=\"\" data-start=\"4509\" data-end=\"4621\"><strong data-start=\"4509\" data-end=\"4535\">3. \u010cini li rezultat razliku?<\/strong><br data-start=\"4535\" data-end=\"4538\" \/>Da, ali to nije jedini \u010dimbenik. Neke tvrtke koriste alternativno ocjenjivanje kreditne sposobnosti.<\/p><p class=\"\" data-start=\"4623\" data-end=\"4745\"><strong data-start=\"4623\" data-end=\"4674\">4. Koliko dugo treba da se isplati novac?<\/strong><br data-start=\"4674\" data-end=\"4677\" \/>U nekim slu\u010dajevima sredstva se otpu\u0161taju. <strong data-start=\"4713\" data-end=\"4744\">u roku od 24 sata od odobrenja<\/strong>.<\/p><p class=\"\" data-start=\"4747\" data-end=\"4847\"><strong data-start=\"4747\" data-end=\"4783\">5. Trebam li imati bankovni ra\u010dun?<\/strong><br data-start=\"4783\" data-end=\"4786\" \/>Da. Novac se uvijek ispla\u0107uje izravno na va\u0161 ra\u010dun.<\/p><hr class=\"\" data-start=\"4849\" data-end=\"4852\" \/><h2 class=\"\" data-start=\"4854\" data-end=\"4915\">Biti stavljen na crnu listu nije kraj \u2014 to je samo po\u010detak preokreta.<\/h2><p class=\"\" data-start=\"4917\" data-end=\"5120\">Biti s <strong data-start=\"4929\" data-end=\"4942\">lo\u0161a kreditna sposobnost<\/strong> Nema se \u010dega sramiti, a kamoli razloga za odustajanje. Va\u017eno je prepoznati situaciju, potra\u017eiti stvarna rje\u0161enja i <strong data-start=\"5065\" data-end=\"5119\">Koristite kredit odgovorno kako biste se opet uspravili.<\/strong>.<\/p><p class=\"\" data-start=\"5122\" data-end=\"5300\">Pa\u017eljivim planiranjem, pravim izborom i oprezom od prijevara, <strong data-start=\"5176\" data-end=\"5228\">Je li mogu\u0107e dobiti zajam \u010dak i ako imate lo\u0161u kreditnu povijest?<\/strong>, otplatite svoje dugove i o\u010distite svoje ime \u2014 i vratite svoj \u017eivot na pravi put.<\/p><p data-start=\"5122\" data-end=\"5300\">\ud83d\udc49 Pratite ovo\u00a0<a style=\"background-color: #ffffff;\" href=\"https:\/\/jornal365.com.br\/hr\/\">blog<\/a>\u00a0za nadolaze\u0107e \u010dlanke u\u00a0<a style=\"background-color: #ffffff;\" href=\"https:\/\/www.instagram.com\/jornal.365\/\" target=\"_blank\" rel=\"noopener\">Novine 365.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Se voc\u00ea est\u00e1 com o nome sujo e precisa de dinheiro para pagar contas, quitar d\u00edvidas ou resolver emerg\u00eancias, talvez j\u00e1 tenha ouvido que \u00e9 imposs\u00edvel conseguir um empr\u00e9stimo nessa situa\u00e7\u00e3o. Mas a verdade \u00e9 que existem sim op\u00e7\u00f5es confi\u00e1veis de cr\u00e9dito para negativados \u2014 o segredo est\u00e1 em saber onde procurar, como funciona e evitar armadilhas. Ter o nome sujo significa que voc\u00ea n\u00e3o pode pegar empr\u00e9stimo? N\u00e3o exatamente. Estar com o nome sujo \u2014 ou seja, negativado nos \u00f3rg\u00e3os de prote\u00e7\u00e3o ao cr\u00e9dito como Serasa, SPC ou Boa Vista \u2014 dificulta, mas n\u00e3o impede completamente que voc\u00ea consiga um empr\u00e9stimo. Algumas financeiras e bancos ainda analisam outros fatores al\u00e9m da restri\u00e7\u00e3o, como: Renda comprovada Hist\u00f3rico de movimenta\u00e7\u00f5es Garantias (como ve\u00edculo, im\u00f3vel, FGTS) Possibilidade de consignado Como Limpar Seu CPF Gratuito VER AGORA Op\u00e7\u00f5es de empr\u00e9stimo para quem est\u00e1 com o nome sujo 1. Empr\u00e9stimo com garantia Voc\u00ea oferece um bem como garantia (carro, moto ou im\u00f3vel). Com isso, as chances de aprova\u00e7\u00e3o aumentam, mesmo com nome negativado. Juros mais baixos Prazo maior para pagar Necess\u00e1rio ter o bem em seu nome e quitado 2. Empr\u00e9stimo consignado Descontado diretamente da folha de pagamento ou benef\u00edcio do INSS. Aposentados, pensionistas, servidores e CLT podem ter acesso mesmo negativados. Libera\u00e7\u00e3o r\u00e1pida Parcelas fixas e sem risco de inadimpl\u00eancia Juros mais baixos 3. Empr\u00e9stimos para negativado em fintechs Algumas empresas digitais liberam cr\u00e9dito para quem est\u00e1 com o nome sujo, com base em an\u00e1lise de comportamento financeiro, e n\u00e3o s\u00f3 no score. Exemplos: Sim (Santander) Geru FinanZero Rebel SuperSim \ud83d\udc49 Saiba Como Limpar Seu CPF e Recuperar o Cr\u00e9dito 4. Antecipa\u00e7\u00e3o do FGTS Se voc\u00ea tem saldo no FGTS, pode antecipar parcelas do saque-anivers\u00e1rio como forma de empr\u00e9stimo \u2014 mesmo com nome negativado. Aprovado rapidamente Dinheiro direto na conta Juros baixos por ser garantia certa Passo a passo para pegar empr\u00e9stimo com o nome sujo 1. Saiba quanto precisa e qual valor pode pagar Evite pedir mais do que precisa. Fa\u00e7a um planejamento com o que voc\u00ea realmente conseguir\u00e1 pagar todo m\u00eas, mesmo com juros. 2. Pesquise institui\u00e7\u00f5es s\u00e9rias Nunca confie em promessas milagrosas. D\u00ea prefer\u00eancia a bancos, financeiras autorizadas pelo Banco Central e plataformas conhecidas. 3. Simule online antes de contratar A maioria dos sites permite simular empr\u00e9stimos sem compromisso. Assim, voc\u00ea v\u00ea taxas, prazos e valores de parcelas com clareza. 4. Envie seus dados com cuidado Informe seus dados pessoais, comprovante de renda e documenta\u00e7\u00e3o b\u00e1sica. Nunca pague taxa antecipada. 5. Leia o contrato com aten\u00e7\u00e3o Antes de aceitar qualquer oferta, leia todas as cl\u00e1usulas, taxas, seguros embutidos e condi\u00e7\u00f5es de pagamento. Cuidados importantes para n\u00e3o cair em golpes \u26a0\ufe0f Nunca pague taxa para liberar empr\u00e9stimo. Isso \u00e9 golpe.\u26a0\ufe0f Desconfie de promessas como \u201caprovado na hora\u201d ou \u201csem an\u00e1lise\u201d.\u26a0\ufe0f Confira se a empresa est\u00e1 registrada no Banco Central\u26a0\ufe0f N\u00e3o envie documentos por WhatsApp para desconhecidos. \ud83d\udc49 Saiba Como Limpar Seu CPF e Recuperar o Cr\u00e9dito Perguntas frequentes sobre empr\u00e9stimo com nome sujo 1. Posso conseguir empr\u00e9stimo mesmo negativado?Sim, especialmente nas modalidades de garantia, consignado ou antecipa\u00e7\u00e3o do FGTS. 2. Qual o valor m\u00e1ximo que consigo com o nome sujo?Depende da modalidade. Com garantia ou FGTS, voc\u00ea pode conseguir valores maiores. 3. O score influencia?Sim, mas n\u00e3o \u00e9 o \u00fanico fator. Algumas empresas usam an\u00e1lise alternativa de cr\u00e9dito. 4. Quanto tempo demora para liberar o dinheiro?Em alguns casos, o valor \u00e9 liberado em at\u00e9 24h ap\u00f3s a aprova\u00e7\u00e3o. 5. Tenho que ter conta banc\u00e1ria?Sim. O dinheiro \u00e9 sempre depositado diretamente na sua conta. Nome sujo n\u00e3o \u00e9 o fim \u2014 \u00e9 s\u00f3 o come\u00e7o da virada Estar com o nome sujo n\u00e3o \u00e9 motivo de vergonha, muito menos motivo para desistir. O importante \u00e9 reconhecer a situa\u00e7\u00e3o, buscar solu\u00e7\u00f5es reais e usar o cr\u00e9dito de forma respons\u00e1vel para recome\u00e7ar. Com planejamento, escolha certa e cuidado com golpes, \u00e9 poss\u00edvel conseguir empr\u00e9stimo mesmo negativado, pagar suas d\u00edvidas e voltar a ter o nome limpo \u2014 e a vida nos trilhos. \ud83d\udc49 Fique de olho aqui no\u00a0blog\u00a0para os pr\u00f3ximos artigos no\u00a0Jornal 365.<\/p>","protected":false},"author":1,"featured_media":4168,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow2qXbCw:productID":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[10],"tags":[],"post_folder":[],"class_list":["post-4167","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beneficios"],"_links":{"self":[{"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/posts\/4167","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/comments?post=4167"}],"version-history":[{"count":0,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/posts\/4167\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/media\/4168"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/media?parent=4167"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/categories?post=4167"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/tags?post=4167"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/hr\/wp-json\/wp\/v2\/post_folder?post=4167"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}