© Após pressão, Bancos adiam cobrança de tarifa do cheque especial / POR FOLHAPRESS / POR SRS
nnnnA reportagem consultou instituições financeiras a fim de apurar condições de financiamento oferecidas para quem não é cliente dos bancos
nnnnBancos começaram a oferecer condições especiais para o financiamento dos carros populares. O movimento busca aproveitar a tendência de alta na demanda pelos veículos com descontos, após pacote de incentivos fiscais anunciado pelo governo
nnnnA reportagem consultou instituições financeiras a fim de apurar condições de financiamento oferecidas para quem não é cliente dos bancos. Dois cenários foram sugeridos. No primeiro, o consumidor não dá entrada; no segundo, há entrada de R$ 10 mil.
nnnnSantander, Banco do Brasil e Itaú oferecem prazo máximo de 60 meses para o pagamento do veículo zero-quilômetro.
nnnnO Santander enviou à reportagem condições oferecidas no pagamento em 48 meses. Se o consumidor não dar entrada, o valor das parcelas giram entre R$ 1.759 e R$ 3.458, a depender do valor do veículo -já considerando o desconto aplicado pelas montadoras. O CET (custo efetivo total, que engloba a taxa de juros somada a encargos como tarifas e tributos) é de 1,70%.
nnnnCaso o consumidor opte pela entrada de R$ 10 mil, as parcelas mais em conta saem por R$ 1.448. As mais caras, por R$ 3.160. O CET fica em 1,66% para modelos com preço entre R$ 58.990 e R$ 98.890. A taxa vai a 1,70% para modelos acima de R$ 100 mil.
nnnnOs modelos Kwid Zen, da Renault, e Mobi Like 1.0, da Fiat, anunciados pelas montadoras a R$ 58.990, sairiam com o valor das parcelas a R$ 1.759, com custo total de R$ 84.424 ao fim do financiamento sem entrada. Ao pagar R$ 10 mil fora do financiamento, o consumidor consegue parcelas de R$ 1.448 (com pagamento total de R$ 69.519).
nnnnPeugeot 208 Like e Citroën C3 Live, veículos que agora custam R$ 62.990, saem por R$ 1.878 por mês, sem entrada. O valor total a ser pago é de R$ 90.149. No segundo cenário, o pagamento inicial de R$ 10 mil reduz o valor das parcelas em R$ 311, saindo a R$ 1.567 (pagamento total de R$ 75.195).
nnnnModelos mais caros, como o sedã Virtus (anunciado a R$ 98.890) e o SUV T-Cross Sense (vendido a R$ 107.550), ambos da Volkswagen, tendem a pesar no bolso do consumidor a longo prazo.
nnnnn
Если запои повторяются регулярно, одного вытрезвления недостаточно. Выведение алкоголя помогает снять острые проявления, но для успешного выздоровления требуется лечение алкоголизма. Врач обсуждает дальнейшие шаги, а зависимый получает возможность пройти кодирование, психотерапию или реабилитационный курс в клинике. Чем раньше человек принимает решение лечиться, тем больше возможностей вернуть стабильное физическое и психологическое состояние.
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I’ve been using Tenobet since about February, so I reckon I have a fair bit of mileage to give an honest take. Stumbled on it through someone on another board who was chasing a site with decent game coverage without all the affordability checks you run into now on the regulated UK ones. Should flag early: this isn’t UKGC licensed and it’s not on GamStop, and that will matter to some of you a lot.
Game selection’s pretty huge — roughly 4,000+ games by my count, and the usual heavy hitters are all there: Pragmatic, NetEnt, Play’n GO, BTG, Yggdrasil, Microgaming. I mostly stick to Sweet Bonanza and Sweet Bonanza, both behave properly on mobile browser. Live side is Evolution, so you know what you’re getting — actual dealers, the game shows like Crazy Time if that’s your thing. Sports betting’s bolted on as well, and it gets a bit of use from me on footy, it’s fine, nothing more.
Bonus-wise it’s a 100% match to ?125 and 100 free spins, and you need the code JOIN002 — I nearly forgot it the first time. Do read the terms first, the requirement is fairly standard either. Don’t expect free credit without depositing as far as I can tell. For the what’s running currently, you’ll find them at tenobet casino if you’re curious. Minimum deposit is a tenner, signing up took maybe two minutes.
Cashouts have been generally fine in my experience. Visa/Mastercard go through, e-wallets like Skrill and Neteller are there, and crypto for anyone who wants that. Skrill withdrawals have come through within a day; Visa took closer to three days. The one thing that annoyed me was KYC — they took a day and a half to clear my documents, and my first withdrawal sat waiting the whole time. Nothing shady about it, just slow.
Few more things: there’s no app, so you’re on the mobile site. It’s responsive enough on my phone though an app would be nicer. The login sometimes gets fiddly at peak times. Customer service at Tenobet is live chat, English, decent, but the first replies read like templates. Ask a specific question and someone competent turns up.
I’ve been playing at Tenobet for March, so I figure I’ve got enough history to say something useful. Came across it off someone on another board who wanted a site with half-decent game coverage that didn’t have all the deposit limit nagging you run into now on the UK licensed sites. Worth saying up front: this isn’t UK Gambling Commission licensed and it isn’t on GamStop, which is either the point or a dealbreaker.
Lobby’s honestly massive — roughly 4,000+ slots by my count, with the names you’d want all turn up: Pragmatic, NetEnt, Play’n GO, BTG, Betsoft, Microgaming’s back catalogue. Mainly I stick to Sweet Bonanza and Sweet Bonanza, both run fine on mobile browser. Live dealer’s Evolution, so you know exactly what you expect — proper croupiers, Crazy Time and Lightning Roulette when I fancy a punt on something daft. Sports betting’s bolted on as well, and it gets a bit of use from me for the football, nothing special.
On the sign-up offer is 100% up to ?125 plus 100 free spins, you have to use the code JOIN002 at deposit — I nearly forgot it the first time. Do read the terms before you commit, the requirement is fairly standard to be honest. Don’t expect free credit without depositing unfortunately. If you want to see what’s running currently, have a look at tenobet casino before you sign up. Minimum deposit is ?10, standard stuff, the form took maybe two minutes.
Payments have been the better half for me. Visa and Mastercard go through, e-wallets like Skrill and Neteller are supported, Bitcoin and a few other coins for anyone who wants that. E-wallet withdrawals have landed within a day; Visa took slower, 3-4 days. My main gripe was KYC — they took a day and a half to verify me, which held up the first payout just sat there until that cleared. Nothing shady about it, just slow.
Couple of niggles: they don’t have an app, so you’re on mobile browser only. Honestly it’s fine on Android but I do miss having one. The login sometimes gets sluggish around weekend evenings. Live chat at Tenobet is live chat, English, decent, though the first replies feel a bit scripted. Get past the script and they sort it.
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