{"id":1162,"date":"2023-09-18T15:38:11","date_gmt":"2023-09-18T15:38:11","guid":{"rendered":"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/?page_id=1162"},"modified":"2024-08-06T14:00:31","modified_gmt":"2024-08-06T14:00:31","slug":"credito","status":"publish","type":"page","link":"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/credito\/","title":{"rendered":"CR\u00c9DITO"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1162\" class=\"elementor elementor-1162\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-156dde4 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"156dde4\" 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-9744a84\" data-id=\"9744a84\" 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-0b0aab9 elementor-widget elementor-widget-spacer\" data-id=\"0b0aab9\" 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 - v3.17.0 - 01-11-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/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\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-52e084f elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"52e084f\" 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-e1c5332\" data-id=\"e1c5332\" 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-1f8dff1 elementor-widget elementor-widget-image\" data-id=\"1f8dff1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 01-11-2023 *\/\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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-content\/uploads\/2023\/09\/BANNER-PROTOCOLO-CREDITO-1024x576.jpg\" class=\"attachment-large size-large wp-image-1904\" alt=\"\" srcset=\"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-content\/uploads\/2023\/09\/BANNER-PROTOCOLO-CREDITO-1024x576.jpg 1024w, https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-content\/uploads\/2023\/09\/BANNER-PROTOCOLO-CREDITO-300x169.jpg 300w, https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-content\/uploads\/2023\/09\/BANNER-PROTOCOLO-CREDITO-768x432.jpg 768w, https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-content\/uploads\/2023\/09\/BANNER-PROTOCOLO-CREDITO-1536x864.jpg 1536w, https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-content\/uploads\/2023\/09\/BANNER-PROTOCOLO-CREDITO.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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-f5cecf6 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"f5cecf6\" 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-4b3c8aa\" data-id=\"4b3c8aa\" 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-ef02e0a elementor-widget elementor-widget-spacer\" data-id=\"ef02e0a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\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-5de4c81 elementor-widget__width-initial elementor-widget elementor-widget-toggle\" data-id=\"5de4c81\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 01-11-2023 *\/\n.elementor-toggle{text-align:left}.elementor-toggle .elementor-tab-title{font-weight:700;line-height:1;margin:0;padding:15px;border-bottom:1px solid #d5d8dc;cursor:pointer;outline:none}.elementor-toggle .elementor-tab-title .elementor-toggle-icon{display:inline-block;width:1em}.elementor-toggle .elementor-tab-title .elementor-toggle-icon svg{margin-inline-start:-5px;width:1em;height:1em}.elementor-toggle .elementor-tab-title .elementor-toggle-icon.elementor-toggle-icon-right{float:right;text-align:right}.elementor-toggle .elementor-tab-title .elementor-toggle-icon.elementor-toggle-icon-left{float:left;text-align:left}.elementor-toggle .elementor-tab-title .elementor-toggle-icon .elementor-toggle-icon-closed{display:block}.elementor-toggle .elementor-tab-title .elementor-toggle-icon .elementor-toggle-icon-opened{display:none}.elementor-toggle .elementor-tab-title.elementor-active{border-bottom:none}.elementor-toggle .elementor-tab-title.elementor-active .elementor-toggle-icon-closed{display:none}.elementor-toggle .elementor-tab-title.elementor-active .elementor-toggle-icon-opened{display:block}.elementor-toggle .elementor-tab-content{padding:15px;border-bottom:1px solid #d5d8dc;display:none}@media (max-width:767px){.elementor-toggle .elementor-tab-title{padding:12px}.elementor-toggle .elementor-tab-content{padding:12px 10px}}.e-con-inner>.elementor-widget-toggle,.e-con>.elementor-widget-toggle{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9841\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9841\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">QUAL A FINALIDADE DO PROTOCOLO SOBRE O CR\u00c9DITO?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9841\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9841\"><p>A grave situa\u00e7\u00e3o econ\u00f3mica, incerta e sombria, que atualmente vivemos e a subida galopante das taxas de juros, que teima em n\u00e3o descer, vieram causar in\u00fameras dificuldades econ\u00f3micas a todos os portugueses e que se repercutem na sua qualidade de vida.<br \/><br \/>Ao STRN chegaram-nos relatos alarmantes de associadas aos quais n\u00e3o pod\u00edamos ficar alheios.<br \/><br \/>O Protocolo que celebr\u00e1mos visa, precisamente, apoiar todos os associados na procura de melhores condi\u00e7\u00f5es do cr\u00e9dito que tenham ou que pretendam vir a obter.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9842\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9842\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">QUE CREDIBILIDADE TEM O PROTOCOLO DO CR\u00c9DITO?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9842\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-9842\"><p style=\"text-align:justify\">A dire\u00e7\u00e3o nacional do STRN celebrou um protocolo com o Dr. Alexandre Jos\u00e9 Cruz, licenciado em Gest\u00e3o e Administra\u00e7\u00e3o (ISCSP \u2013 UL), p\u00f3s-graduado em Marketing e Gest\u00e3o Comercial de Servi\u00e7os Financeiros (ISGB), com vasta experi\u00eancia na banca (20 anos), sendo um reputado gestor e intermedi\u00e1rio de cr\u00e9dito de modo a prestar este servi\u00e7o.\n<br><br>\nEste profissional desta \u00e1rea d\u00e1 todas as garantias de credibilidade e honorabilidade na procura das melhores solu\u00e7\u00f5es e no tratamento estreito que desenvolver\u00e1 junto dos associados que pretendam recorrer a este servi\u00e7o.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9843\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-9843\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">QUEM PODE BENEFICIAR DESTE PROTOCOLO?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9843\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-9843\"><p style=\"text-align:justify\">Podem beneficiar deste protocolo todos os associados e os seus familiares.\n<br><br>\nEm face da situa\u00e7\u00e3o alarmante, a dire\u00e7\u00e3o nacional do STRN decidiu alargar este protocolo aos familiares de todos os associados e nas mesmas condi\u00e7\u00f5es. A \u00fanica particularidade \u00e9 que o pedido ter\u00e1 de ser formulado por interm\u00e9dio do nosso associado e n\u00e3o diretamente pelo familiar.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9844\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-9844\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">QUAIS OS CUSTOS DA ADES\u00c3O AO PROTOCOLO?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9844\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-9844\"><p style=\"text-align:justify\">Este servi\u00e7o \u00e9 totalmente gratuito, quer para os associados, quer para os respetivos familiares.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9845\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-9845\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">NA PR\u00c1TICA, O QUE DEVO FAZER PARA BENEFICIAR DO PROTOCOLO DO CR\u00c9DITO? COMO POSSO INSCREVER-ME?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9845\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-9845\"><p>O processo \u00e9 extremamente simples.<\/p><ol style=\"text-align: justify;\"><li style=\"list-style-type: none;\"><ol style=\"text-align: justify;\"><li type=\"a\">Dever\u00e1 efetuar o pedido atrav\u00e9s do preenchimento do seguinte formul\u00e1rio <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/docs.google.com\/forms\/d\/e\/1FAIpQLSfcx-oFy6ic0JENrkr2gHYShxFcaBZaP59B_8bM7wbNX_4ydg\/viewform?pli=1\"><span style=\"color: #0000ff; text-decoration: underline;\">AQUI<\/span><\/a><\/span><\/strong><\/li><\/ol><\/li><\/ol><ol style=\"text-align: justify;\"><li style=\"list-style-type: none;\"><ol style=\"text-align: justify;\"><li type=\"a\">Ap\u00f3s a rece\u00e7\u00e3o do formul\u00e1rio o gestor de cr\u00e9dito proceder\u00e1 ao contacto com a\/o associada\/o ou familiar para analisar o pedido e, eventualmente, solicitar documentos para an\u00e1lise.<\/li><\/ol><\/li><\/ol><ol style=\"text-align: justify;\"><li style=\"list-style-type: none;\"><ol style=\"text-align: justify;\"><li type=\"a\">Todo o processo \u00e9 efetuado entre a\/o associada\/o e o gestor de cr\u00e9dito sem interfer\u00eancia do sindicato, de modo a salvaguardar a total confidencialidade do processo.<\/li><\/ol><\/li><\/ol><ol style=\"text-align: justify;\"><li type=\"a\">Ap\u00f3s an\u00e1lise detalhada e consulta ao mercado, o gestor de cr\u00e9dito apresentar\u00e1 a proposta final que ser\u00e1 apreciada pela\/o associada\/o que decidir\u00e1.<\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9846\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-9846\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">QUE TIPOS DE CR\u00c9DITOS EST\u00c3O ABRANGIDOS NO PROTOCOLO?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9846\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-9846\"><p style=\"text-align: justify;\">O gestor de cr\u00e9dito, Dr. Alexandre Jos\u00e9 Cruz, prestar\u00e1 auxilio e analisar\u00e1 todos os cr\u00e9ditos existentes no mercado, nomeadamente:<\/p><ul style=\"text-align: justify;\"><li style=\"list-style-type: none;\"><ul style=\"text-align: justify;\"><li>Cr\u00e9dito hipotec\u00e1rio novo;<\/li><\/ul><\/li><\/ul><p>\u00a0<\/p><ul style=\"text-align: justify;\"><li style=\"list-style-type: none;\"><ul style=\"text-align: justify;\"><li>Transfer\u00eancia de cr\u00e9dito hipotec\u00e1rio para outra institui\u00e7\u00e3o de cr\u00e9dito;<\/li><\/ul><\/li><\/ul><p>\u00a0<\/p><ul style=\"text-align: justify;\"><li style=\"list-style-type: none;\"><ul style=\"text-align: justify;\"><li>Cr\u00e9dito ao consumo novo;<\/li><\/ul><\/li><\/ul><p>\u00a0<\/p><ul style=\"text-align: justify;\"><li style=\"list-style-type: none;\"><ul style=\"text-align: justify;\"><li>Cr\u00e9dito consolidado (com ou sem hipoteca);<\/li><\/ul><\/li><\/ul><p>\u00a0<\/p><ul style=\"text-align: justify;\"><li style=\"list-style-type: none;\"><ul style=\"text-align: justify;\"><li>Cart\u00e3o de cr\u00e9dito;<\/li><\/ul><\/li><\/ul><p>\u00a0<\/p><ul style=\"text-align: justify;\"><li style=\"list-style-type: none;\"><ul style=\"text-align: justify;\"><li>Renegocia\u00e7\u00e3o de seguros associados ao cr\u00e9dito e outros;<\/li><\/ul><\/li><\/ul><p>\u00a0<\/p><p style=\"text-align: justify;\">De uma forma integrada o gestor de cr\u00e9dito procurar\u00e1, junto das v\u00e1rias institui\u00e7\u00f5es presentes no mercado portugu\u00eas, as melhores condi\u00e7\u00f5es poss\u00edveis para oferecer aos associados do STRN ou seus familiares, sempre de acordo com as suas necessidades.<br \/><br \/><br \/>Na pr\u00e1tica, cada associada(o) apresenta a sua situa\u00e7\u00e3o e o gestor efetuar\u00e1 uma an\u00e1lise e apresentar\u00e1 um parecer sobre o que se pode fazer para melhor a situa\u00e7\u00e3o do cr\u00e9dito. A decis\u00e3o ser\u00e1 sempre da\/o associada\/o ou do seu familiar. N\u00e3o tendo que efetuar qualquer pagamento pela avalia\u00e7\u00e3o do processo.<br \/><br \/><br \/>O pedido de parecer, para a situa\u00e7\u00e3o do cr\u00e9dito, dever\u00e1 ser remetido, exclusivamente, atrav\u00e9s do preenchimento do formul\u00e1rio, clicando <span style=\"text-decoration: underline; color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/docs.google.com\/forms\/d\/e\/1FAIpQLSfcx-oFy6ic0JENrkr2gHYShxFcaBZaP59B_8bM7wbNX_4ydg\/viewform?pli=1\" target=\"_blank\" rel=\"noopener\">AQUI<\/a><\/span><br \/><br \/><br \/>Ap\u00f3s o pedido efetuado atrav\u00e9s do formul\u00e1rio ser\u00e1 contactada\/o pelo gestor de cr\u00e9dito.<br \/><br \/><br \/>Em cada situa\u00e7\u00e3o em pr\u00e9-an\u00e1lise poder\u00e3o ser pedidos documentos diversos, sendo imprescind\u00edvel a apresenta\u00e7\u00e3o do documento de identifica\u00e7\u00e3o, da \u00faltima nota liquida\u00e7\u00e3o do IRS, dos tr\u00eas \u00faltimos recibos de vencimento de todos os intervenientes na opera\u00e7\u00e3o (consoante o estado civil), que apenas ser\u00e3o enviados ao Dr. Alexandre Jos\u00e9 Cruz e ap\u00f3s contacto deste, com vista a salvaguardar a confidencialidade do processo.<br \/><br \/><br \/>Esclarecemos que, a atividade desenvolvida pelo gestor de cr\u00e9dito \u00e9 regulada por lei e sujeita a supervis\u00e3o por parte do Banco de Portugal, encontrando-se sujeito a rigorosas regras de funcionamento e sigilo profissional, equiparadas \u00e0s que se aplicam \u00e0s entidades banc\u00e1rias, pelo que o Dr. Alexandre Cruz fica obrigado a garantir a confidencialidade e seguran\u00e7a das informa\u00e7\u00f5es e documentos apresentados pelos associados ou familiares.<\/p><\/div>\n\t\t\t\t<\/div>\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\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-2ef3716 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"2ef3716\" 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-a6d4a15\" data-id=\"a6d4a15\" 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-2419a83 elementor-widget elementor-widget-spacer\" data-id=\"2419a83\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\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\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-5d6cffc elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"5d6cffc\" 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-92463dd\" data-id=\"92463dd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\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\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>QUAL A FINALIDADE DO PROTOCOLO SOBRE O CR\u00c9DITO? A grave situa\u00e7\u00e3o econ\u00f3mica, incerta e sombria, que atualmente vivemos e a subida galopante das taxas de juros, que teima em n\u00e3o descer, vieram causar in\u00fameras dificuldades econ\u00f3micas a todos os portugueses e que se repercutem na sua qualidade de vida. Ao STRN chegaram-nos relatos alarmantes de &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/credito\/\"> <span class=\"screen-reader-text\">CR\u00c9DITO<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","footnotes":""},"class_list":["post-1162","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"foyer":false,"foyer_fhd":false,"foyer_fhd_square":false},"uagb_author_info":{"display_name":"grupofabrica_strn","author_link":"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/author\/grupofabrica_strn\/"},"uagb_comment_info":0,"uagb_excerpt":"QUAL A FINALIDADE DO PROTOCOLO SOBRE O CR\u00c9DITO? A grave situa\u00e7\u00e3o econ\u00f3mica, incerta e sombria, que atualmente vivemos e a subida galopante das taxas de juros, que teima em n\u00e3o descer, vieram causar in\u00fameras dificuldades econ\u00f3micas a todos os portugueses e que se repercutem na sua qualidade de vida. Ao STRN chegaram-nos relatos alarmantes de&hellip;","_links":{"self":[{"href":"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-json\/wp\/v2\/pages\/1162","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-json\/wp\/v2\/comments?post=1162"}],"version-history":[{"count":29,"href":"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-json\/wp\/v2\/pages\/1162\/revisions"}],"predecessor-version":[{"id":6833,"href":"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-json\/wp\/v2\/pages\/1162\/revisions\/6833"}],"wp:attachment":[{"href":"https:\/\/www.develop.grupofabrica.com\/propostas\/STRN\/wp-json\/wp\/v2\/media?parent=1162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}