{"id":2234,"date":"2023-08-10T09:50:34","date_gmt":"2023-08-10T12:50:34","guid":{"rendered":"https:\/\/lojavirtualembh.com.br\/desban\/?page_id=2234"},"modified":"2023-10-21T09:50:41","modified_gmt":"2023-10-21T12:50:41","slug":"faq-emprestimos-plano-bd","status":"publish","type":"page","link":"https:\/\/lojavirtualembh.com.br\/desban\/emprestimos\/duvidas-frequentes-de-emprestimos\/faq-emprestimos-plano-bd\/","title":{"rendered":"FAQ &#8211; Empr\u00e9stimos &#8211; Plano BD"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2234\" class=\"elementor elementor-2234\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee94001 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"ee94001\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a1834e4\" data-id=\"a1834e4\" 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-d141049 elementor-widget elementor-widget-spacer\" data-id=\"d141049\" 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 - 25-10-2023 *\/\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<div class=\"elementor-element elementor-element-cd093b0 elementor-widget elementor-widget-image\" data-id=\"cd093b0\" 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 - 25-10-2023 *\/\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 decoding=\"async\" loading=\"lazy\" width=\"1400\" height=\"300\" src=\"https:\/\/lojavirtualembh.com.br\/desban\/wp-content\/uploads\/2023\/10\/topo_duvidas_emprestimo.png\" class=\"attachment-full size-full wp-image-4435\" alt=\"\" srcset=\"https:\/\/lojavirtualembh.com.br\/desban\/wp-content\/uploads\/2023\/10\/topo_duvidas_emprestimo.png 1400w, https:\/\/lojavirtualembh.com.br\/desban\/wp-content\/uploads\/2023\/10\/topo_duvidas_emprestimo-300x64.png 300w, https:\/\/lojavirtualembh.com.br\/desban\/wp-content\/uploads\/2023\/10\/topo_duvidas_emprestimo-1024x219.png 1024w, https:\/\/lojavirtualembh.com.br\/desban\/wp-content\/uploads\/2023\/10\/topo_duvidas_emprestimo-768x165.png 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/>\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<div class=\"elementor-element elementor-element-cc43734 elementor-widget elementor-widget-text-editor\" data-id=\"cc43734\" 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 - v3.17.0 - 25-10-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;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\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-e7687e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e7687e8\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;none&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-100 elementor-top-column elementor-element elementor-element-a7dddc5\" data-id=\"a7dddc5\" 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-0042ea8 link_site_map elementor-widget elementor-widget-text-editor\" data-id=\"0042ea8\" 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 align=\"justify\">\n<a href=\"\/desban\/\">Home<\/a> | \n<a href=\"\/desban\/emprestimos\/\">Empr\u00e9stimo<\/a> |\n<a href=\"\/desban\/emprestimos\/duvidas-frequentes-de-emprestimos\/\">D\u00favidas Frequentes para Empr\u00e9stimos<\/a> |\n<a href=\"\/desban\/emprestimos\/duvidas-frequentes-de-emprestimos\/faq-emprestimos-plano-bd\/\">FAQ &#8211; Empr\u00e9stimos | Plano BD &#8211; Ativo<\/a>\n<\/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-e40b0af elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"e40b0af\" 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-100 elementor-top-column elementor-element elementor-element-553c68d\" data-id=\"553c68d\" 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-135a574 elementor-widget elementor-widget-heading\" data-id=\"135a574\" 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 - v3.17.0 - 25-10-2023 *\/\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-large\">FAQ - Empr\u00e9stimos | Plano BD - Ativo<\/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-2538b20 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2538b20\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;none&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-100 elementor-top-column elementor-element elementor-element-674a55e\" data-id=\"674a55e\" 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-398d8f2 elementor-widget elementor-widget-text-editor\" data-id=\"398d8f2\" 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 align=\"justify\">Os empr\u00e9stimos da Desban s\u00e3o uma excelente op\u00e7\u00e3o para quem precisa de uma solu\u00e7\u00e3o financeira r\u00e1pida e eficiente. No entanto, \u00e9 natural que surjam d\u00favidas sobre os processos e condi\u00e7\u00f5es de pagamento. Por isso, preparamos este material para esclarecer as d\u00favidas mais frequentes de maneira pr\u00e1tica e descomplicada.<\/p>\n\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-4f1738c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f1738c\" 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-118280c\" data-id=\"118280c\" 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-4068ec4 elementor-widget elementor-widget-accordion\" data-id=\"4068ec4\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 25-10-2023 *\/\n.elementor-accordion{text-align:left}.elementor-accordion .elementor-accordion-item{border:1px solid #d5d8dc}.elementor-accordion .elementor-accordion-item+.elementor-accordion-item{border-top:none}.elementor-accordion .elementor-tab-title{margin:0;padding:15px 20px;font-weight:700;line-height:1;cursor:pointer;outline:none}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{display:inline-block;width:1.5em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon svg{width:1em;height:1em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-right{float:right;text-align:right}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-left{float:left;text-align:left}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-closed{display:block}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-opened,.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-closed{display:none}.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-opened{display:block}.elementor-accordion .elementor-tab-content{display:none;padding:15px 20px;border-top:1px solid #d5d8dc}@media (max-width:767px){.elementor-accordion .elementor-tab-title{padding:12px 15px}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{width:1.2em}.elementor-accordion .elementor-tab-content{padding:7px 15px}}.e-con-inner>.elementor-widget-accordion,.e-con>.elementor-widget-accordion{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6751\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-6751\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\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-accordion-title\" tabindex=\"0\">O que devo fazer para solicitar um empr\u00e9stimo?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6751\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-6751\"><p align=\"justify\">A solicita\u00e7\u00e3o de empr\u00e9stimo deve ser realizada por e-mail ou por telefone para a \u00e1rea respons\u00e1vel da Desban. Ao solicitar deve-se enviar junto o \u00faltimo contracheque dispon\u00edvel. Seguem dados para solicita\u00e7\u00e3o:<\/p>\n<ul>\n  <li><strong>E-mail:<\/strong>\u00a0<a href=\"mailto:nuinv@desban.org.br\" target=\"_blank\">nuinv@desban.org.br<\/a><\/li>\n  <li><strong>Telefone:<\/strong>\u00a0(31) 97187-0872<\/li>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6752\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-6752\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\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-accordion-title\" tabindex=\"0\">Qual \u00e9 o valor m\u00e1ximo que posso pegar de empr\u00e9stimo?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6752\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-6752\"><p align=\"justify\">Respeitada a margem consign\u00e1vel, o valor m\u00e1ximo do empr\u00e9stimo simples aos participantes, ser\u00e3o:<\/p>\n<ul>\n  <li align=\"justify\"><strong>Participantes Ativos:\u00a0<\/strong>O valor m\u00e1ximo do empr\u00e9stimo, inclu\u00eddo o saldo dos empr\u00e9stimos simples e sa\u00fade j\u00e1 contra\u00eddos, n\u00e3o poder\u00e1 ser superior a 7 (sete) vezes o limite m\u00e1ximo do sal\u00e1rio de participa\u00e7\u00e3o do Plano.<br \/>\n    <br \/>\n  <\/li>\n  <li align=\"justify\"><strong>Para obten\u00e7\u00e3o do empr\u00e9stimo simples abono,<\/strong>\u00a0o valor m\u00e1ximo ser\u00e1 informado pelo BDMG ou pelo setor respons\u00e1vel da DESBAN.<\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6753\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-6753\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\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-accordion-title\" tabindex=\"0\">Em quantas parcelas posso pagar o empr\u00e9stimo?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6753\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-6753\"><p align=\"justify\"><strong>Para o empr\u00e9stimo simples:<\/strong><\/p>\n<ul>\n  <li align=\"justify\">Os prazos m\u00ednimos e m\u00e1ximos de amortiza\u00e7\u00e3o ser\u00e3o de 01 (um) e 72 (setenta e dois) meses respectivamente.<\/li>\n<\/ul>\n<p align=\"justify\"><strong>Para o empr\u00e9stimo simples abono:<\/strong><\/P>\n<ul>\n  <li align=\"justify\">O prazo m\u00ednimo ser\u00e1 de 10 (dez) dias e o prazo m\u00e1ximo ser\u00e1 contado at\u00e9 as datas dos correspondentes recebimentos a serem informados pelo BDMG ou pela DESBAN;<\/li>\n  <li align=\"justify\">As datas para liquida\u00e7\u00e3o ser\u00e3o coincidentes com os dias de pagamento dos abonos, participa\u00e7\u00e3o nos lucros ou verba equivalente, e indeniza\u00e7\u00f5es, decorrentes de acordo coletivo de trabalho pelo BDMG ou pela DESBAN.<\/li>\n  <li align=\"justify\">Nos casos em que os dias de pagamento dos abonos, participa\u00e7\u00e3o nos lucros ou verba equivalente, e indeniza\u00e7\u00f5es decorrentes de acordo coletivos de trabalho forem alterados ap\u00f3s a concess\u00e3o do empr\u00e9stimo, as datas para liquida\u00e7\u00e3o ser\u00e3o coincidentes com os novos dias, devendo o empr\u00e9stimo ser recalculado.\u00a0 <\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6754\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-6754\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\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-accordion-title\" tabindex=\"0\">Como \u00e9 calculada a margem de consigna\u00e7\u00e3o?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6754\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-6754\"><p align=\"justify\"><strong>Margem Consign\u00e1vel<\/strong><\/p>\n<p align=\"justify\">[(Remunera\u00e7\u00e3o Bruta \u2013 descontos de consigna\u00e7\u00f5es compuls\u00f3rias (exceto descontos sobre f\u00e9rias)) * 0,40)] \u2013 descontos de consigna\u00e7\u00f5es volunt\u00e1rias \u2013 50% do valor das presta\u00e7\u00f5es dos empr\u00e9stimos simples e sa\u00fade nos quais figure como avalista.<\/p>\n<p align=\"justify\"><strong>Consigna\u00e7\u00f5es compuls\u00f3rias<\/strong><\/p>\n<p align=\"justify\">Contribui\u00e7\u00e3o para a Previd\u00eancia Social; pens\u00e3o aliment\u00edcia; imposto de renda; decis\u00e3o judicial ou administrativa; mensalidade ou contribui\u00e7\u00e3o para entidades sindicais, outros descontos compuls\u00f3rios institu\u00eddos por lei ou decorrentes de contrato de trabalho.<\/p>\n<p align=\"justify\"><strong>Consigna\u00e7\u00f5es volunt\u00e1rias<\/strong><\/p>\n<p align=\"justify\">As autorizadas pelo empregado e n\u00e3o relacionadas com as consigna\u00e7\u00f5es compuls\u00f3rias, presta\u00e7\u00f5es de empr\u00e9stimos simples e sa\u00fade j\u00e1 contratados, inclusive contribui\u00e7\u00e3o do plano de sa\u00fade e coparticipa\u00e7\u00f5es.<\/p>\n<p align=\"justify\"><strong>Remunera\u00e7\u00e3o Bruta<\/strong><\/p>\n<p align=\"justify\">Sal\u00e1rio + Gratifica\u00e7\u00e3o 25% + Gratifica\u00e7\u00e3o de Fun\u00e7\u00e3o + Anu\u00eanio + Anu\u00eanio Negociado + Valor Fixo por Comissionamento (VFC) + Complementa\u00e7\u00e3o Tempor\u00e1ria de Ajuste de Conven\u00e7\u00e3o Coletiva (CTAC) + Complementa\u00e7\u00e3o Tempor\u00e1ria de Valor de Refer\u00eancia de Fun\u00e7\u00e3o (CTVF) + Adicional de Instru\u00e7\u00e3o 115. <\/p>\n<ul>\n  <li align=\"justify\">No demonstrativo de pagamento que constar verba referente a f\u00e9rias todas as rubricas da remunera\u00e7\u00e3o bruta ser\u00e3o recalculadas para o valor correspondente a 30 dias e aos descontos quando se aplicar.<\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6755\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-6755\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\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-accordion-title\" tabindex=\"0\">Qual \u00e9 a forma de cobran\u00e7a dos encargos e atualiza\u00e7\u00f5es monet\u00e1rias?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6755\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-6755\"><p align=\"justify\"><strong>Para o empr\u00e9stimo simples:<\/strong><\/p>\n<ul>\n  <li align=\"justify\"><strong>Juros:<\/strong>\u00a0Os juros ser\u00e3o pagos mensalmente junto com as amortiza\u00e7\u00f5es, calculados pelo sistema da Tabela Price, segundo uma taxa nominal de 0,74% (zero v\u00edrgula setenta e quatro por cento) ao m\u00eas.<br \/>\n    <br \/>\n  <\/li>\n  <li align=\"justify\"><strong>Atualiza\u00e7\u00e3o monet\u00e1ria:<\/strong>\u00a0A presta\u00e7\u00e3o e o saldo devedor dos empr\u00e9stimos ser\u00e3o atualizados mensalmente, de forma cumulativa, pelo IPCA\/IBGE (\u00cdndice Nacional de Pre\u00e7os ao Consumidor Amplo) tendo por base o \u00edndice divulgado no m\u00eas anterior ao da concess\u00e3o do empr\u00e9stimo.<br \/>\n    <br \/>\n<ul>\n      <li align=\"justify\">Na falta do IPCA\/IBGE ser\u00e1 aplicado aquele \u00edndice que vier a substitu\u00ed-lo e aprovado pelo Conselho Deliberativo.<br \/>\n            <br \/>\n          <\/li>\n        <\/ul>\n  <\/li>\n  <li align=\"justify\"><strong>Taxa de Administra\u00e7\u00e3o:<\/strong>\u00a0fixada em 0,1% (zero v\u00edrgula um por cento), ser\u00e1 cobrada, mensalmente, sobre o saldo devedor.<br \/>\n    <br \/>\n  <\/li>\n  <li align=\"justify\"><strong>Juros por antecipa\u00e7\u00e3o:<\/strong>\u00a0O juro, \u00e0 taxa nominal correspondente a 0,74% (zero v\u00edrgula setenta e quatro por cento) acrescido do IPCA\/IBGE (\u00cdndice Nacional de Pre\u00e7os ao Consumidor Amplo) divulgado no m\u00eas anterior ao da concess\u00e3o do empr\u00e9stimo, ser\u00e3o exig\u00edveis, antecipadamente, quando da libera\u00e7\u00e3o do cr\u00e9dito.<br \/>\n    <br \/>\n  <\/li>\n  <li align=\"justify\"><strong>IOF:<\/strong>\u00a0conforme legisla\u00e7\u00e3o vigente.<\/li>\n<\/ul>\n<p align=\"justify\"><strong>Para o empr\u00e9stimo simples abono:<\/strong><\/p>\n<ul>\n  <li align=\"justify\"><strong>Juros:<\/strong>\u00a0Os juros, \u00e0 taxa nominal de 0,74% (zero v\u00edrgula setenta e quatro por cento) ao m\u00eas, e ser\u00e3o exig\u00edveis, antecipadamente, quando da libera\u00e7\u00e3o do cr\u00e9dito.<br \/>\n    <br \/>\n  <\/li>\n  <li align=\"justify\"><strong>Taxa de administra\u00e7\u00e3o:<\/strong>\u00a0fixada em 0,1% (zero v\u00edrgula um por cento) ao m\u00eas, sendo cobrada sua equival\u00eancia ao dia, multiplicada pelo prazo em dias da opera\u00e7\u00e3o, incidente sobre o valor integral do empr\u00e9stimo concedido, ser\u00e1 cobrada de uma \u00fanica vez, no ato da libera\u00e7\u00e3o do cr\u00e9dito.<br \/>\n    <br \/>\n  <\/li>\n  <li align=\"justify\"><strong>IOF:<\/strong>\u00a0conforme legisla\u00e7\u00e3o vigente.<\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6756\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-6756\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\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-accordion-title\" tabindex=\"0\">Posso ter mais de um contrato de empr\u00e9stimo?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6756\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-6756\"><p align=\"justify\">Sim, caso exista margem dispon\u00edvel o participante de qualquer modalidade e plano pode ter mais de um contrato ativo ao mesmo tempo. O n\u00famero m\u00e1ximo de concess\u00e3o de empr\u00e9stimo simples por participante ser\u00e1 de 6 (seis) por ano.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6757\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-6757\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\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-accordion-title\" tabindex=\"0\">Quais as garantias necess\u00e1rias para obter um empr\u00e9stimo junto a Desban?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6757\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-6757\"><p align=\"justify\">O contrato ser\u00e1 garantido atrav\u00e9s da emiss\u00e3o de uma nota promiss\u00f3ria firmada pelo solicitante e avalizada por 2 (dois) participantes ativos ou assistido de qualquer plano de benef\u00edcio previdenci\u00e1rio da DESBAN e respectivo c\u00f4njuge ou companheiro para os avalistas casados ou em uni\u00e3o est\u00e1vel sob regime de comunh\u00e3o parcial, ou universal de bens. Os avalistas dever\u00e3o ter margem consign\u00e1vel igual ou superior ao valor da presta\u00e7\u00e3o contratada pelo participante solicitante. N\u00e3o ser\u00e3o admitidos como avalistas os participantes ativos com menos de 6 (seis) meses de contribui\u00e7\u00e3o para qualquer plano previdenci\u00e1rio, o auto patrocinado, o pensionista, o pensionista tempor\u00e1rio e o remido:<\/p>\n<ul>\n  <li align=\"justify\">N\u00e3o ser\u00e3o exigidos os avalistas para o participante assistido em gozo de aposentadoria para os empr\u00e9stimos simples e simples abono.<br \/>\n    <br \/>\n  <\/li>\n  <li align=\"justify\">N\u00e3o ser\u00e3o exigidos os avalistas para o participante ativo com mais de 5 (cinco) anos de v\u00ednculo empregat\u00edcio com o Patrocinador, que n\u00e3o tenha atrasado o pagamento das presta\u00e7\u00f5es em qualquer das modalidades de cr\u00e9dito operadas pela DESBAN e cuja reserva de poupan\u00e7a do antepen\u00faltimo m\u00eas anterior ao da concess\u00e3o seja igual ou superior ao somat\u00f3rio dos saldos devedores dos empr\u00e9stimos simples e sa\u00fade.<\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6758\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-6758\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\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-accordion-title\" tabindex=\"0\">O que \u00e9 o Token na \u00e1rea restrita?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6758\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-6758\"><p align=\"justify\">\u00c9 um m\u00e9todo de seguran\u00e7a que foi criado pela DESBAN. A sua fun\u00e7\u00e3o \u00e9 confirmar que o participante que est\u00e1 solicitando o empr\u00e9stimo \u00e9 realmente ele, uma vez que apenas o titular possui acesso ao portal da DESBAN e a confirma\u00e7\u00e3o de seguran\u00e7a ser\u00e1 feita pelo mesmo. Desta maneira buscamos evitar fraudes e libera\u00e7\u00f5es de concess\u00f5es indevidas.<\/p>\n<p align=\"justify\">Para ativ\u00e1-lo basta seguir os seguintes passos:<\/p>\n<p align=\"justify\">1. Entre com o seu login e senha na \u00e1rea restrita<br>  <em>(Esqueceu sua senha? Acesse os passos aqui)<\/em><\/p>\n<p align=\"justify\">2. Em &#8220;Meus dados&#8221;, clique em &#8220;Token de Seguran\u00e7a&#8221;<\/p>\n<p><img decoding=\"async\" src=\"\/desban\/wp-content\/uploads\/2023\/08\/FAQ_01.jpg\" \/><\/p>\n<p align=\"justify\">3. Clique no bot\u00e3o &#8220;Gerar novo Token&#8221;<\/p>\n<p><img decoding=\"async\" src=\"\/desban\/wp-content\/uploads\/2023\/08\/FAQ_02.jpg\"\/><\/p>\n<p align=\"justify\">4. Verifique em seu e-mail cadastrado a confirma\u00e7\u00e3o de solicita\u00e7\u00e3o.<\/p>\n<p align=\"justify\">Ap\u00f3s receber a confirma\u00e7\u00e3o que o token foi gerado, enviar o n\u00famero \u00e0 DESBAN para o e-mail:\u00a0<strong>nuinv@desban.org.br<\/strong>, para confer\u00eancia interna e, ent\u00e3o, seguiremos com o processo da contrata\u00e7\u00e3o do empr\u00e9stimo.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6759\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-6759\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\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-accordion-title\" tabindex=\"0\">Como devo proceder com a documenta\u00e7\u00e3o necess\u00e1rio para efetivar meu contrato?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6759\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-6759\"><p align=\"justify\">Ap\u00f3s receber toda a documenta\u00e7\u00e3o por e-mail enviada pelo respons\u00e1vel que realizou o atendimento a solicita\u00e7\u00e3o de empr\u00e9stimo, \u00e9 necess\u00e1rio imprimir, assinar e lev\u00e1-lo a DESBAN aos cuidados de quem realizou o atendimento.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-67510\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-67510\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\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-accordion-title\" tabindex=\"0\">Posso antecipar meu contrato de empr\u00e9stimo parcialmente ou total?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-67510\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-67510\"><p align=\"justify\">A antecipa\u00e7\u00e3o parcial ou total do contrato pode ser realizada a qualquer momento em que o contrato estiver vigente, para realiz\u00e1-la basta seguir os passos abaixo:<\/p>\n<ul>\n  <li align=\"justify\">Solicitar a \u00e1rea respons\u00e1vel o saldo devedor, al\u00e9m da conta para deposito.<\/li>\n  <li align=\"justify\">Ap\u00f3s realizar a transfer\u00eancia enviar por e-mail o comprovante de pagamento.<\/li>\n  <li align=\"justify\">Quando o valor \u00e9 debitado na conta da Desban o respons\u00e1vel da \u00e1rea ir\u00e1 realizar o abatimento total ou parcial da d\u00edvida pelo sistema interno.<\/li>\n  <li align=\"justify\">Caso seja realizado a amortiza\u00e7\u00e3o parcial do contrato, o participante precisa informar se deseja diminuir o valor das parcelas e seguir com o mesmo prazo vigente, ou se deseja seguir com o valor das parcelas e diminuir o prazo estipulado.<\/li>\n<\/ul><\/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\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home | Empr\u00e9stimo | D\u00favidas Frequentes para Empr\u00e9stimos | FAQ &#8211; Empr\u00e9stimos | Plano BD &#8211; Ativo FAQ &#8211; Empr\u00e9stimos | Plano BD &#8211; Ativo Os empr\u00e9stimos da Desban s\u00e3o uma excelente op\u00e7\u00e3o para quem precisa de uma solu\u00e7\u00e3o financeira r\u00e1pida e eficiente. No entanto, \u00e9 natural que surjam d\u00favidas sobre os processos e condi\u00e7\u00f5es [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6272,"parent":2216,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FAQ - Empr\u00e9stimos - Plano BD - Desban<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lojavirtualembh.com.br\/desban\/emprestimos\/duvidas-frequentes-de-emprestimos\/faq-emprestimos-plano-bd\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ - Empr\u00e9stimos - Plano BD - Desban\" \/>\n<meta property=\"og:description\" content=\"Home | Empr\u00e9stimo | D\u00favidas Frequentes para Empr\u00e9stimos | FAQ &#8211; Empr\u00e9stimos | Plano BD &#8211; Ativo FAQ &#8211; Empr\u00e9stimos | Plano BD &#8211; Ativo Os empr\u00e9stimos da Desban s\u00e3o uma excelente op\u00e7\u00e3o para quem precisa de uma solu\u00e7\u00e3o financeira r\u00e1pida e eficiente. 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