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position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1a52b73409334703589-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1a52b73409334703589-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1a52b73409334703589-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1a52b73409334703589-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1a52b73409334703589-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1a52b73409334703589-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1a52b73409334703589-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1a52b73409334703589-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1a52b73409334703589-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1a52b73409334703589-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            \u05db\u05e0\u05e1          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1a52b73409334703589-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1a52b73409334703589-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1a52b73409334703589-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1a52b73409334703589-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1a52b73409334703589-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1a52b73409334703589-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1a52b73409334703589-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1a52b73409334703589-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1a52b73409334703589-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1a52b73409334703589-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1a52b73409334703589-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            \u05db\u05e0\u05e1          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1a52b73409334703589-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1a52b73409334703589-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1a52b73409334703589-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1a52b73409334703589-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1a52b73409334703589-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1a52b73409334703589-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1a52b73409334703589-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1a52b73409334703589-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1a52b73409334703589-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1a52b73409334703589-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1a52b73409334703589-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            \u05db\u05e0\u05e1          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1a52b73409334703589-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1a52b73409334703589-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1a52b73409334703589-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1a52b73409334703589-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1a52b73409334703589-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1a52b73409334703589-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1a52b73409334703589-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1a52b73409334703589-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1a52b73409334703589-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1a52b73409334703589-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1a52b73409334703589-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            \u05db\u05e0\u05e1          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1a52b73409334703589-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1a52b73409334703589-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1a52b73409334703589-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1a52b73409334703589-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1a52b73409334703589-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1a52b73409334703589-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1a52b73409334703589-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1a52b73409334703589-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1a52b73409334703589-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1a52b73409334703589-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1a52b73409334703589-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            \u05db\u05e0\u05e1          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1a52b73409334703589-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1a52b73409334703589-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1a52b73409334703589-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1a52b73409334703589-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1a52b73409334703589-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1a52b73409334703589-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1a52b73409334703589-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1a52b73409334703589-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1a52b73409334703589-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1a52b73409334703589-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1a52b73409334703589-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            \u05db\u05e0\u05e1          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1a52b73409334703589-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1a52b73409334703589-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1a52b73409334703589-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1a52b73409334703589-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1a52b73409334703589-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1a52b73409334703589-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1a52b73409334703589-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1a52b73409334703589-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1a52b73409334703589-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1a52b73409334703589-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1a52b73409334703589-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            \u05db\u05e0\u05e1          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1a52b73409334703589-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1a52b73409334703589-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1a52b73409334703589-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1a52b73409334703589-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1a52b73409334703589-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1a52b73409334703589-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1a52b73409334703589-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1a52b73409334703589-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1a52b73409334703589-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1a52b73409334703589-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1a52b73409334703589-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            \u05db\u05e0\u05e1          <\/button>\n        <\/a>\n              <\/div>\n      <\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Por onde come\u00e7ar: o &quot;tamanho&quot; certo do carro para o seu or\u00e7amento<\/strong><\/h2>\n\n\n\n<p>Antes de olhar taxa, marca ou cor, fa\u00e7a um diagn\u00f3stico r\u00e1pido do seu cen\u00e1rio:<\/p>\n\n\n\n<ul>\n<li><strong>\u05e8\u05d2\u05e8\u05d4 \u05d3\u05d4 \u05d0\u05d5\u05e8\u05d5:<\/strong> \u05de\u05e0\u05d8\u05e0\u05d4 <strong>\u05db\u05dc \u05d7\u05d9\u05d9 \u05d4\u05e8\u05db\u05d1<\/strong> (parcela + combust\u00edvel + seguro + IPVA\/licenciamento + manuten\u00e7\u00e3o) <strong>dentro de 30% da renda l\u00edquida<\/strong>.<br><\/li>\n\n\n\n<li><strong>\u05dc\u05d4\u05d9\u05de\u05e0\u05e2 \u05d0\u05d5 \u05dc\u05d4\u05d2\u05d1\u05d9\u05dc<\/strong>, ajuste uma ou mais alavancas: aumente a entrada, reduza o valor do ve\u00edculo, longue um pouco o prazo (com aten\u00e7\u00e3o ao custo total) ou adie a compra para melhorar seu score e renda comprovada.<br><\/li>\n<\/ul>\n\n\n\n<p>Essa etapa evita a sensa\u00e7\u00e3o de &quot;fiz o neg\u00f3cio e agora virei ref\u00e9m das parcelas&quot;. Com um teto claro, voc\u00ea j\u00e1 chega \u00e0 negocia\u00e7\u00e3o sabendo <strong>\u05de\u05d4 \u05d9\u05db\u05d5\u05dc \u05dc\u05d4\u05d9\u05d5\u05ea, \u05d6\u05d4 \u05dc\u05d0 \u05d9\u05db\u05d5\u05dc \u05dc\u05d4\u05d9\u05d5\u05ea<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Entendendo a diferen\u00e7a entre taxa e CET (o que realmente pesa no bolso)<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>\u05d8\u05e7\u05e1\u05d5\u05df \u05e0\u05d5\u05de\u05d9\u05e0\u05dc\u05d9 (Juros)<\/strong>: \u00e9 o \u05d0\u05d7\u05d5\u05d6\u05d9 que costuma aparecer no an\u00fancio.<br><\/li>\n\n\n\n<li><strong>CET (\u05e1\u05d4&quot;\u05db \u05e6\u05e8\u05db\u05e0\u05d9\u05dd)<\/strong>: \u00e9 o <strong>\u05d7\u05d1\u05d9\u05dc\u05d4 \u05e9\u05dc\u05de\u05d4<\/strong> do cr\u00e9dito (juros + tarifas + tributos + seguros\/servi\u00e7os agregados).<br><\/li>\n<\/ul>\n\n\n\n<p>Na pr\u00e1tica, duas propostas com a mesma taxa nominal podem ter <strong>CETs \u05e9\u05d5\u05e0\u05d9\u05dd<\/strong> \u2014 e quem paga essa diferen\u00e7a \u00e9 voc\u00ea. \u05e4\u05d5\u05e8 \u05d0\u05d9\u05e1\u05d5, <strong>\u05d4\u05e9\u05d5\u05d5\u05d4 \u05ea\u05de\u05d9\u05d3 \u05dc-CET<\/strong>, \u05e4\u05b6\u05bc\u05e6\u05b8\u05d4 <strong>\u05d0\u05d5 \u05d7\u05d9\u05e9\u05d5\u05d1 \u05d4\u05d3\u05d2\u05de\u05d4<\/strong> e guarde as simula\u00e7\u00f5es para confrontar bancos e lojas. \u05e8\u05d0\u05d4 \u05d0\u05dc\u05d2\u05d5\u05d0\u05d9\u05dd \u05de\u05d7\u05d3\u05e9 \u05e2\u05dd \u05de\u05d9\u05d3\u05e2 \u05e2\u05dc CET de forma clara <strong>\u05dc\u05e4\u05e0\u05d9 \u05d7\u05d5\u05d6\u05d4<\/strong>, encare como sinal de alerta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Como Simar Direito (e fugir de armadilhas comuns)<\/strong><\/h2>\n\n\n\n<p>Monte uma mini-planilha com estes campos: <strong>Valor do carro | \u05d0\u05e0\u05d8\u05e8\u05d3\u05d4 | Valor financiado | \u05e4\u05e8\u05d0\u05d6\u05d5 (\u05de\u05e1\u05e1) | \u05e4\u05e8\u05e6\u05dc\u05d4 | CET | \u05e1\u05da \u05d4\u05db\u05dc \u05e4\u05d2\u05e8 | Observa\u00e7\u00f5es (seguro\/tarifas)<\/strong>.<\/p>\n\n\n\n<p>\u05d0\u05b2\u05d2\u05d5\u05b9\u05e8\u05b8\u05d4, <strong>\u05de\u05d2\u05d5\u05d5\u05df \u05de\u05d0\u05d5\u05d3 \u05e9\u05dc \u05d1\u05e7\u05e8\u05d5\u05ea<\/strong>:<\/p>\n\n\n\n<ol>\n<li><strong>\u05d0\u05e0\u05d8\u05e8\u05d3\u05d4<\/strong>: teste 20%, 30% \u05d5-40%. Entradas maiores <strong>\u05dc\u05d4\u05e4\u05d7\u05d9\u05ea \u05d0\u05ea \u05db\u05dc \u05d4\u05de\u05e9\u05e4\u05d8\u05d9\u05dd<\/strong> e costumam melhorar aprova\u00e7\u00e3o.<br><\/li>\n\n\n\n<li><strong>\u05e4\u05e8\u05d0\u05d6\u05d5<\/strong>: \u05d4\u05e9\u05d5\u05d5\u05d4 \u05d1\u05d9\u05df 36, 48 \u05d5-60 \u05de\u05e1\u05d5\u05ea. \u05e4\u05e8\u05d0\u05d6\u05d5 \u05dc\u05d5\u05e0\u05d2\u05d5 <strong>\u05d0\u05dc\u05d9\u05d1\u05d9\u05d4 \u05d0 \u05e4\u05e8\u05e6\u05dc\u05d4<\/strong>, \u05de\u05e1\u05d4 <strong>\u05d0\u05d9\u05e9\u05d5\u05e8 \u05d0\u05d5 \u05dc\u05e7\u05d5\u05d7 \u05e1\u05d5\u05e4\u05d9<\/strong>.<br><\/li>\n\n\n\n<li><strong>\u05de\u05d5\u05e1\u05d3<\/strong>: simule no banco do fabricante, em um banco tradicional e em uma fintech. A concorr\u00eancia \u00e9 sua aliada.<br><\/li>\n<\/ol>\n\n\n\n<p>Evite aceitar &quot;combo obrigat\u00f3rio&quot; de servi\u00e7os para &quot;ganhar taxa melhor&quot;. <strong>\u05de\u05d9\u05de\u05d5\u05df \u05e8\u05db\u05d1<\/strong> n\u00e3o deve vir amarrado a itens que voc\u00ea n\u00e3o deseja. Seguros e Adicionais s\u00e3o <strong>\u05d0\u05d5\u05e4\u05e6\u05d9\u05d5\u05e0\u05d0\u05d9\u05dd<\/strong>\u05d6\u05de\u05d9\u05df \u05d1\u05e0\u05e4\u05e8\u05d3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Como melhorar aprova\u00e7\u00e3o e conseguir condi\u00e7\u00f5es mais justas<\/strong><\/h2>\n\n\n\n<p>\u05d1\u05e0\u05e7\u05d5\u05e1 \u05d0\u05d5\u05dc\u05d4\u05d0\u05dd <strong>\u05e8\u05d9\u05e1\u05e7\u05d5<\/strong>. \u05e7\u05d5\u05d5\u05e0\u05d8\u05d5 \u05de\u05e0\u05d5\u05e8\u05d4 \u05d0\u05d5 \u05e8\u05d9\u05e1\u05e7\u05d5 \u05e4\u05e8\u05e1\u05d1\u05d9\u05d3\u05d5, <strong>\u05d4\u05d8\u05d5\u05d1 \u05d1\u05d9\u05d5\u05ea\u05e8 \u05d1\u05ea\u05e0\u05d0\u05d9<\/strong> \u05e9\u05de\u05d5\u05e4\u05d9\u05e2:<\/p>\n\n\n\n<ul>\n<li><strong>\u05e6\u05d9\u05d5\u05df \u05d5\u05d4\u05d9\u05e1\u05d8\u05d5\u05e8\u05d9<\/strong>: \u05d3\u05d9 pend\u00eancias pequenas, evite atrasos e mantenha o uso do cart\u00e3o sob controle.<br><\/li>\n\n\n\n<li><strong>\u05e8\u05e0\u05d3\u05d4 \u05e7\u05d5\u05de\u05e4\u05e8\u05d5\u05d1\u05d4<\/strong>: holerites\/extratos bem organizados ajudam muito; autonomos podem usar <strong>\u05d0\u05d9\u05e0\u05e4\u05e8\u05d0 \u05d0\u05d3\u05d5\u05dd<\/strong>, <strong>\u05e4\u05e8\u05d5-\u05dc\u05d1\u05d5\u05e8<\/strong> \u05d4 <strong>\u05d0\u05e7\u05e1\u05d8\u05e8\u05d4<\/strong> \u05e2\u05e7\u05d1\u05d9\u05d5\u05ea.<br><\/li>\n\n\n\n<li><strong>\u05db\u05e0\u05d9\u05e1\u05d4 \u05d2\u05d3\u05d5\u05dc\u05d4 \u05d5\u05e7\u05d8\u05e0\u05d4<\/strong>: sinalizam responsabilidade e reduzem risco.<br><\/li>\n\n\n\n<li><strong>\u05e7\u05e9\u05e8<\/strong>: ter conta ativa, sal\u00e1rio, investimentos ou hist\u00f3rico positivo no banco pode destravar taxas melhores.<br><\/li>\n<\/ul>\n\n\n\n<p>\u05d8\u05d0\u05e7\u05d8\u05d9\u05e7\u05d4: chegue.com <strong>\u05d0\u05d9\u05e9\u05d5\u05e8 \u05e7\u05d5\u05d3\u05dd<\/strong> de um banco e use isso como \u00e2ncora para negociar nos demais.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Negocia\u00e7\u00e3o sem mist\u00e9rio: um roteiro que voc\u00ea pode usar hoje<\/strong><\/h2>\n\n\n\n<ol>\n<li><strong>Traga 2\u20133 simula\u00e7\u00f5es reais<\/strong> (\u05e2\u05dd CET \u05d5\u05d4\u05d3\u05d2\u05de\u05d4).<br><\/li>\n\n\n\n<li><strong>\u05d1\u05e8\u05d5\u05e8 \u05e9\u05d6\u05d5 \u05d4\u05de\u05d8\u05d0 \u05e9\u05dc\u05da<\/strong>: &quot;Quero parcela at\u00e9 R$ X e CET at\u00e9 Y. Conseguimos?&quot;<br><\/li>\n\n\n\n<li><strong>\u05d4\u05e6\u05d2 \u05d4\u05ea\u05d0\u05de\u05d4<\/strong>: &quot;Tenho proposta no Banco Z com CET menor. Se ajustarem a taxa e retirarem os servi\u00e7os X e Y, fecho aqui.&quot;<br><\/li>\n\n\n\n<li><strong>\u05d4\u05d9\u05de\u05e0\u05e2\u05d5 \u05de\u05e4\u05e8\u05e1\u05d4<\/strong>: depois do pedido, espere. Deixe o vendedor trabalhar para manter voc\u00ea como cliente.<br><\/li>\n\n\n\n<li><strong>\u05e1\u05d0\u05d9\u05d1\u05d4 \u05d3\u05d9\u05d6\u05e8 \u05e0\u05d0\u05d5<\/strong>: se n\u00e3o bater sua r\u00e9gua, agrade\u00e7a e siga. Negociar \u00e9 comparar \u2014 e n\u00e3o aceitar qualquer coisa por medo de &quot;perder a oportunidade&quot;.<br><\/li>\n<\/ol>\n\n\n\n<p>Frase \u00fatil para mesa de cr\u00e9dito: <strong>&quot;\u05d4\u05e6\u05e2\u05ea \u05d3\u05d9\u05d5\u05e7 com CET final e todos os itens discriminados. Quero comparar de forma justa com outras institui\u00e7\u00f5es.&quot;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Documentos e &quot;pegadinhas&quot; que costumam pesar<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>\u05ea\u05d9\u05e2\u05d5\u05d3 \u05d0\u05d9\u05e9\u05d9<\/strong>: RG\/CPF\/CNH, comprovante de resid\u00eancia e renda.<br><\/li>\n\n\n\n<li><strong>\u05e1\u05de\u05d9\u05e0\u05d1\u05d5\/\u05d0\u05d5\u05e1\u05d3\u05d5<\/strong>: \u05e7\u05d5\u05e0\u05e4\u05d9\u05e8\u05d4 <strong>CRV\/CRLV<\/strong>, \u05de\u05e6\u05d1 \u05e9\u05dc <strong>IPVA \u05d5\u05e8\u05d1\u05d1\u05d5\u05ea<\/strong>, \u05d4\u05d0\u05e7\u05e1\u05d9\u05d2&#039;\u05d4 <strong>\u05dc\u05d0\u05d5\u05d3\u05d5 \u05e7\u05d5\u05d8\u05dc\u05e8<\/strong>.<br><\/li>\n\n\n\n<li><strong>\u05d8\u05e8\u05d9\u05e4\u05e1<\/strong>: avalia\u00e7\u00e3o, cadastro, gravame, registro. \u05e8\u05e9\u05d9\u05de\u05d4 <strong>\u05d0\u05d5\u05de\u05d4 \u05d0\u05d5\u05de\u05d4<\/strong> \u05dc\u05e4\u05e0\u05d9 \u05d4\u05ea\u05e0\u05e7\u05e9\u05d5\u05ea.<br><\/li>\n\n\n\n<li><strong>\u05d0\u05d1\u05d8\u05d7\u05d4 \u05d5\u05e9\u05d9\u05e8\u05d5\u05ea\u05d9\u05dd<\/strong>: prote\u00e7\u00e3o financeira, garantia estendida e similares s\u00e3o <strong>\u05d4\u05d7\u05dc\u05d8\u05d5\u05ea \u05e9\u05dc\u05da<\/strong>; n\u00e3o aceite como condi\u00e7\u00e3o.<br><\/li>\n<\/ul>\n\n\n\n<p>\u05e4\u05e8\u05e7\u05d8\u05d9\u05e7\u05d4 \u05e8\u05d2\u05d9\u05dc\u05d4: <strong>sem quadro-resumo do contrato e sem CET claro, n\u00e3o assine<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u05d0\u05e4\u05e1 \u05e7&quot;\u05de x seminovo: como decidir sem arrependimento<\/strong><\/h2>\n\n\n\n<p><strong>\u05d0\u05e4\u05e1 \u05e7&quot;\u05de<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>\u05d5\u05d0\u05e0\u05d8\u05d2\u05e0\u05e1<\/strong>: garantia de f\u00e1brica, previsibilidade de manuten\u00e7\u00e3o, vers\u00e3o atualizada de tecnologia e seguran\u00e7a.<br><\/li>\n\n\n\n<li><strong>\u05d3\u05e1\u05e4\u05d9\u05d5\u05e1<\/strong>: pre\u00e7o mais alto, deprecia\u00e7\u00e3o mais forte no in\u00edcio e, muitas vezes, <strong>\u05d1\u05d8\u05d5\u05d7 \u05d9\u05d5\u05ea\u05e8 \u05e7\u05d0\u05e8\u05d5<\/strong>.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>\u05e1\u05de\u05d9\u05e0\u05d5\u05d1\u05d5<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>\u05d5\u05d0\u05e0\u05d8\u05d2\u05e0\u05e1<\/strong>: valor de compra menor, deprecia\u00e7\u00e3o mais suave e chance de levar vers\u00f5es mais completas pelo mesmo or\u00e7amento.<br><\/li>\n\n\n\n<li><strong>\u05d3\u05e1\u05e4\u05d9\u05d5\u05e1<\/strong>: garantia mais curta, risco de manuten\u00e7\u00e3o antecipada se o hist\u00f3rico n\u00e3o for s\u00f3lido.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>\u05e8\u05e9\u05d9\u05de\u05ea \u05e8\u05e9\u05d9\u05de\u05ea \u05de\u05d7\u05e9\u05d1\u05d9\u05dd \u05dc\u05d1\u05d9\u05e6\u05d5\u05e2<\/strong>: laudo catelar aprovado, <strong>nada de leil\u00e3o\/sinistro\/enchente<\/strong>, \u05d4\u05d9\u05e1\u05d8\u05d5\u05e8\u05d9\u05e7\u05d5 \u05d3\u05d4 \u05e8\u05d5\u05d5\u05d9\u05d6\u05d9\u05d5\u05d6 \u05d4\u05e9\u05ea\u05dc\u05de\u05d5\u05ea, <strong>\u05e7\u05d9\u05dc\u05d5\u05de\u05d8\u05e8\u05d2\u05dd \u05ea\u05d5\u05d0\u05dd<\/strong> com a idade (em geral, 12\u201315 mil km\/ano) e \u05e0\u05e1\u05d9\u05e2\u05ea \u05de\u05d1\u05d7\u05df sem ru\u00eddos\/sintomas.<\/p>\n\n\n\n<p>\u05e1\u05d4 \u05d0\u05d5 <strong>\u05de\u05d9\u05de\u05d5\u05df \u05e8\u05db\u05d1<\/strong> \u05e2\u05d1\u05d5\u05e8 indispens\u00e1vel, o seminovo bem escolhido geralmente <strong>\u05ea\u05d0\u05e8\u05d9\u05da \u05d7\u05e9\u05d1\u05d5\u05e0\u05d9\u05ea \u05d8\u05d5\u05d1 \u05d9\u05d5\u05ea\u05e8<\/strong> \u05d0\u05d9\u05df \u05e1\u05d4&quot;\u05db \u05dc\u05e7\u05d5\u05d7.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Custos de posse: inclua tudo no c\u00e1lculo, n\u00e3o apenas a parcela<\/strong><\/h2>\n\n\n\n<p>Muita gente se concentra s\u00f3 na parcela e depois se assusta com o resto. \u05dc\u05e9\u05d2\u05d9\u05d0\u05d4 \u05d0\u05d7\u05e8\u05ea:<\/p>\n\n\n\n<ul>\n<li><strong>IPVA<\/strong>: varia por estado e pelo valor do ve\u00edculo. Coloque na planilha uma <strong>\u05d0\u05d5\u05de\u05d3\u05df \u05d7\u05d5\u05d3\u05e9\u05d9<\/strong> (o equivalente do ano dividido por 12).<br><\/li>\n\n\n\n<li><strong>\u05e1\u05d2\u05d5\u05e8\u05d5<\/strong>\u05e1\u05d9\u05de\u05d5\u05dc <strong>\u05d0\u05e0\u05d8\u05d4<\/strong> de fechar. \u05e4\u05e8\u05e4\u05d9\u05dc, \u05d3\u05d2\u05dd \u05d5-regi\u00e3o mudam muito o custo.<br><\/li>\n\n\n\n<li><strong>\u05de\u05e0\u05d5\u05d8\u05df\u05e1\u05d5<\/strong>: reserve um valor mensal \u2014 mesmo carro novo faz revis\u00e3o.<br><\/li>\n\n\n\n<li><strong>\u05e7\u05d5\u05de\u05d1\u05d5\u05e1\u05d8\u05d9\u05d1\u05dc<\/strong>: \u05d4\u05e9\u05d5\u05d5\u05d4 consumo real do modelo. Um carro mais econ\u00f4mico pode &quot;pagar&quot; a diferen\u00e7a no longo prazo.<br><\/li>\n<\/ul>\n\n\n\n<p>Ao somar tudo, confira de novo a <strong>\u05e8\u05d2\u05e8\u05d4 \u05d3\u05d5\u05e1 30%<\/strong>. Se passar, ajuste entrada, prazo e\/ou o valor do ve\u00edculo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Passo a passo resumido para fechar com seguran\u00e7a<\/strong><\/h2>\n\n\n\n<ol>\n<li><strong>\u05d4\u05d2\u05d3\u05e8\u05d4 \u05e9\u05dc \u05d8\u05d8\u05d5<\/strong>: at\u00e9 30% da renda l\u00edquida para toda a vida do carro.<br><\/li>\n\n\n\n<li><strong>\u05e4\u05e8\u05d5\u05e4\u05d9\u05dc Escolha<\/strong>: \u05d0\u05e4\u05e1 \u05e7&quot;\u05de \u05d0\u05d5 seminovo (\u05d4\u05e9\u05ea\u05de\u05e9 \u05d1- checklist).<br><\/li>\n\n\n\n<li><strong>3-5 \u05e1\u05d9\u05de\u05d5\u05dc\u05e6\u05d9\u05d5\u05ea<\/strong>: varie entrada, prazo e institui\u00e7\u00e3o financeira; <strong>\u05ea\u05de\u05d9\u05d3 com CET<\/strong>.<br><\/li>\n\n\n\n<li><strong>\u05e7\u05d5\u05d8\u05d4 \u05e1\u05d9\u05d2\u05d5\u05e8\u05d5<\/strong> \u05e2\u05dd \u05e7\u05d5\u05d3\u05de\u05ea.<br><\/li>\n\n\n\n<li><strong>\u05d0\u05e8\u05d2\u05d5\u05df \u05de\u05e1\u05de\u05db\u05d9\u05dd<\/strong> e list as tarifas\/servi\u00e7os que pretende aceitar.<br><\/li>\n\n\n\n<li><strong>\u05e2\u05e1\u05e7\u05d9\u05dd<\/strong> com dados (CET e propostas concorrentes na m\u00e3o).<br><\/li>\n\n\n\n<li><strong>\u05d0\u05e1\u05d9\u05df<\/strong> apenas com quadro-resumo claro e sem &quot;surpresas&quot; embutidas.<br><\/li>\n\n\n\n<li><strong>\u05e4\u05d9\u05e7\u05d3\u05d5\u05df \u05e7\u05e0\u05d9\u05d9\u05d4<\/strong>: monitore o mercado; se surgir oportunidade, avali <strong>\u05e0\u05d9\u05d9\u05d3\u05d5\u05ea<\/strong>.<br><\/li>\n<\/ol>\n\n\n<div class=\"wp-block-lazyblock-accordion lazyblock-accordion-Z28fHw8\"><script type=\"module\">\n  import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\";\n  const Stimulus = Application.start();\n\n  Stimulus.register(\"accordion\", class extends Controller {\n\n    static get targets() {\n        return [ \"title\", \"description\", \"icon\" ];\n    }\n\n    update(event) {\n      let accordionIndex = Number(event.target.getAttribute('data-accordion-index'));\n      let description = this.descriptionTargets[accordionIndex];\n      let icon = this.iconTargets[accordionIndex];\n      \n      description.classList.toggle('animate-fade-in-down');\n      description.classList.toggle('hidden');\n      icon.classList.toggle('rotate-180');\n    }\n\n  });\n<\/script><div data-controller=\"accordion\" class=\"mx-5 sm:mx-0 rounded mt-10 mb-20\">\n\t<div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"0\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"0\">\n                         \u05d4\u05d0\u05dd \u05d9\u05e9 \u05dc\u05da \u05d2\u05d9\u05e9\u05d4 \u05dc\u05db\u05e1\u05e4\u05d9\u05dd?                    <\/span>\n                    <svg data-accordion-index=\"0\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                         \u05dc\u05d0 \u05e7\u05d9\u05d9\u05dd \u05de\u05e1\u05e4\u05e8 \u05d0\u05d9\u05e9\u05d5\u05e8\u05d9\u05dd, mas 20% a 40% equilibrar equilibrar aprova\u00e7\u00e3o, parcela e custo total. Quanto maior a entrada, menores os juros pagos ao longo do contrato.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"1\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"1\">\n                         Qual prazo escolher: 36, 48 \u05d0\u05d5 60 \u05de\u05e1?                    <\/span>\n                    <svg data-accordion-index=\"1\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                         Depende do seu fluxo de caixa. Prazos longos aliviam a parcela, mas aumentam o total pago. Se couber, prazos na faixa de 36\u201348 meses tendem a oferecer bom equil\u00edbrio entre parcela e custo final.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"2\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"2\">\n                        \u05d4\u05d0\u05dd \u05d0\u05ea\u05d4 \u05d9\u05db\u05d5\u05dc \u05dc\u05d4\u05e9\u05d5\u05d5\u05ea \u05d0\u05ea \u05d4\u05d4\u05e6\u05e2\u05d5\u05ea \u05d1-CET?                    <\/span>\n                    <svg data-accordion-index=\"2\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Porque o CET \u05db\u05d5\u05dc\u05dc \u05d8\u05e4\u05e1\u05d9\u05dd \u05db\u05de\u05d5 \u05e0\u05e7\u05d5\u05d3\u05d5\u05ea \u05d6\u05db\u05d5\u05ea (juros + tarifas + tributos + seguros). \u00c9 o indicador mais fiel do custo real do financiamento de carro.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"3\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"3\">\n                        Venderam um seguro &quot;obrigat\u00f3rio&quot; junto do financiamento. Posso recusar?                    <\/span>\n                    <svg data-accordion-index=\"3\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        \u05e1\u05d9\u05dd. Seguros e servi\u00e7os adicionais s\u00e3o opcionais. \u05e8\u05d0\u05d4 \u05d0\u05dc\u05d2\u05d5\u05d0\u05dd \u05de\u05d5\u05ea\u05e8\u05d5\u05ea \u05d0 libera\u00e7\u00e3o do cr\u00e9dito \u00e0 contrata\u00e7\u00e3o, questione e pe\u00e7a a proposta sem o item para comparar.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"4\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"4\">\n                        \u05d0\u05d6 \u05d0\u05d5\u05d8\u05d5\u05e0\u05d5\u05de\u05d5. Como comprovar renda para o banco?                    <\/span>\n                    <svg data-accordion-index=\"4\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        \u05d0\u05e8\u05d2\u05df \u05d4\u05e6\u05d4\u05e8\u05ea IR, \u05e4\u05e8\u05d5-\u05e2\u05d1\u05d5\u05d3\u05d4 (\u05e8\u05d0\u05d4 PJ\/MEI) \u05d5\u05e2\u05e7\u05d1\u05d5\u05ea. Uma entrada maior e um prazo menor tamb\u00e9m ajudam a reduzir risco e melhorar a aprova\u00e7\u00e3o.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"5\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"5\">\n                        Vale a pena quitar antecipado?                    <\/span>\n                    <svg data-accordion-index=\"5\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                         Em geral, sim: voc\u00ea deixa de pagar os juros das parcelas futuras. Pe\u00e7a demonstrativo de liquida\u00e7\u00e3o e confira o desconto antes de decidir.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"6\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"6\">\n                        Como saber se um seminovo \u00e9 &quot;bom de comprar&quot;?                    <\/span>\n                    <svg data-accordion-index=\"6\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                         Fa\u00e7a laudo cautelar, \u05d0\u05e9\u05e8 \u05d4\u05d9\u05e1\u05d8\u05d5\u05e8\u05d9\u05d9\u05ea \u05d3\u05d4 \u05e8\u05d5\u05d5\u05d9\u05e1\u00f5es, \u05d1\u05d3\u05d5\u05e7 quilometragem compat\u00edvel e rejeite carros com sinistro\/enchente\/leil\u00e3o. \u05e8\u05d0\u05d4 \u05d1\u05e2\u05d9\u05d4, \u05d4\u05e9\u05ea\u05de\u05e9 \u05d1-para renegociar ou desista.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"7\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"7\">\n                         \u05d4\u05d0\u05dd \u05dc\u05d0 \u05e9\u05d5\u05e7\u05dc\u05d9\u05dd \u05d0\u05ea \u05db\u05dc \u05d4\u05e4\u05e8\u05d8\u05d9\u05dd?                    <\/span>\n                    <svg data-accordion-index=\"7\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        \u05db\u05d5\u05dc\u05dc IPVA, \u05e1\u05d2\u05d5\u05e8, \u05d4\u05e4\u05e2\u05dc\u05d4 \u05d5\u05d3\u05dc\u05e7\u05d4. \u05d4\u05e4\u05e6\u05ea\u05d5 \u05d4\u05e9\u05e0\u05ea\u05d9\u05ea \u05e9\u05dc IPVA \u05d1\u05de\u05e9\u05da 12 \u05d7\u05d5\u05d3\u05e9\u05d9\u05dd \u05d5\u05e9\u05de\u05d9\u05e8\u05d4 \u05e2\u05dc \u05d2\u05d1\u05d5\u05e8\u05d4. S\u00f3 assim voc\u00ea enxerga o custo real de manter o carro.\n                    <\/p>\n                <\/div>\n            <\/div>\n        \t<\/div>\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>\u05e1\u05d9\u05db\u05d5\u05dd: decis\u00e3o consciente e n\u00fameros \u00e0 vista<\/strong><\/h2>\n\n\n\n<p>\u05d0\u05d5\u05dd \u05e4\u05d9\u05e0\u05e0\u05e1\u05d9\u05d0\u05de\u05e0\u05d8\u05d5 \u05d3\u05d4 \u05e7\u05d0\u05e8\u05d5 \u05d1\u05dd \u05e4\u05d9\u05d8\u05d5 \u05e7\u05d5\u05de\u05e1\u05d4 \u05d0\u05e0\u05d8\u05e1 \u05d3\u05d4 \u05d0\u05e1\u05d9\u05e0\u05d0\u05d8\u05d5\u05e8\u05d4: com teto de gastos claro, \u05e1\u05d9\u05de\u05d5\u05dc\u05e6\u05d9\u05d5\u05ea \u05d4\u05e9\u05d5\u05d5\u05d0\u05ea\u05d9\u05d5\u05ea CET, negocia\u00e7\u00e3o firme e c\u00e1lculo realista dos custos de posse. <\/p>\n\n\n\n<p>Com esses pilares, voc\u00ea evita as principais armadilhas, garante previsibilidade no or\u00e7amento e transforma a compra do ve\u00edculo em uma decis\u00e3o sustent\u00e1vel - especialmente se o carro melhorar sua renda, mobilidade ou qualidade de vida.<\/p>\n\n\n\n<p>Se a proposta atual n\u00e3o se encaixa, n\u00e3o tenha pressa. \u05d0\u05dd \u05e7\u05e8\u05d3\u05d9\u05d8\u05d5, a melhor condi\u00e7\u00e3o aparece para quem sabe o que pedir, o que recusar e compara com disciplina.<\/p>","protected":false},"excerpt":{"rendered":"<p>Neste guia, voc\u00ea vai aprender em menos de 10 minutos como avaliar se a compra cabe no bolso, comparar propostas sem cair em ciladas, negociar taxas com seguran\u00e7a e planejar o custo total de manter o ve\u00edculo \u2014 tudo de forma simples, objetiva e aplic\u00e1vel no dia a dia. Por onde come\u00e7ar: o \u201ctamanho\u201d certo [&hellip;]<\/p>","protected":false},"author":40,"featured_media":551,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","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":"","ast-breadcrumbs-content":"","ast-featured-img":"","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","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[11,12],"tags":[10,13,9],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Economia: Guia completo para financiar seu carro - Smart Job Funds<\/title>\n<meta name=\"description\" content=\"Aprenda a comparar CET, negociar taxas, evitar pegadinhas e reduzir custos com dicas pr\u00e1ticas. 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