{"id":12273,"date":"2026-07-17T14:00:49","date_gmt":"2026-07-17T17:00:49","guid":{"rendered":"https:\/\/www.tenda.com\/blog\/?p=12273"},"modified":"2026-07-20T17:36:48","modified_gmt":"2026-07-20T20:36:48","slug":"financiamento-reprovado","status":"publish","type":"post","link":"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado","title":{"rendered":"Como evitar ter o seu pedido de financiamento reprovado?"},"content":{"rendered":"<p>&nbsp;<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">O que voc\u00ea vai encontrar nesse post <\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#O_que_e_e_como_funciona_um_financiamento_na_pratica\" title=\"O que \u00e9 e como funciona um financiamento na pr\u00e1tica?\">O que \u00e9 e como funciona um financiamento na pr\u00e1tica?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Quais_sao_os_principais_motivos_para_ter_o_financiamento_reprovado\" title=\"Quais s\u00e3o os principais motivos para ter o financiamento reprovado?\">Quais s\u00e3o os principais motivos para ter o financiamento reprovado?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#1_Ter_renda_incompativel_para_financiar_um_imovel\" title=\"1. Ter renda incompat\u00edvel para financiar um im\u00f3vel\">1. Ter renda incompat\u00edvel para financiar um im\u00f3vel<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#2_Nao_ter_o_valor_de_entrada\" title=\"2. N\u00e3o ter o valor de entrada\">2. N\u00e3o ter o valor de entrada<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#3_Ter_outros_financiamentos_ativos_que_comprometem_sua_renda\" title=\"3. Ter outros financiamentos ativos que comprometem sua renda\">3. Ter outros financiamentos ativos que comprometem sua renda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#4_Ter_um_score_baixo_ou_negativo_de_credito\" title=\"4. Ter um score baixo ou negativo de cr\u00e9dito\">4. Ter um score baixo ou negativo de cr\u00e9dito<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#5_Estar_com_o_CPF_negativado_%E2%80%9Cnome_sujo%E2%80%9D\" title=\"5. Estar com o CPF negativado (\u201cnome sujo\u201d)\">5. Estar com o CPF negativado (\u201cnome sujo\u201d)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#6_Ter_problemas_com_a_Receita_Federal_eou_com_o_INSS\" title=\"6. Ter problemas com a Receita Federal e\/ou com o INSS\">6. Ter problemas com a Receita Federal e\/ou com o INSS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#7_Apresentar_a_documentacao_incompleta\" title=\"7. Apresentar a documenta\u00e7\u00e3o incompleta\">7. Apresentar a documenta\u00e7\u00e3o incompleta<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#O_financiamento_pode_ser_reprovado_por_causa_do_cadastro_desatualizado\" title=\"O financiamento pode ser reprovado por causa do cadastro desatualizado?\">O financiamento pode ser reprovado por causa do cadastro desatualizado?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#O_que_pode_reprovar_um_financiamento_por_causa_do_imovel\" title=\"O que pode reprovar um financiamento por causa do im\u00f3vel?\">O que pode reprovar um financiamento por causa do im\u00f3vel?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Apos_ter_o_financiamento_reprovado_quando_e_possivel_tentar_novamente\" title=\"Ap\u00f3s ter o financiamento reprovado, quando \u00e9 poss\u00edvel tentar novamente?\">Ap\u00f3s ter o financiamento reprovado, quando \u00e9 poss\u00edvel tentar novamente?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#E_possivel_evitar_que_o_financiamento_seja_reprovado\" title=\"\u00c9 poss\u00edvel evitar que o financiamento seja reprovado?\">\u00c9 poss\u00edvel evitar que o financiamento seja reprovado?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Fazer_um_planejamento_financeiro_para_aumentar_sua_renda\" title=\"Fazer um planejamento financeiro para aumentar sua renda\">Fazer um planejamento financeiro para aumentar sua renda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Aproveitar_a_composicao_de_renda_para_aumentar_sua_renda\" title=\"Aproveitar a composi\u00e7\u00e3o de renda para aumentar sua renda\">Aproveitar a composi\u00e7\u00e3o de renda para aumentar sua renda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Saber_como_comprovar_sua_renda_no_financiamento_imobiliario\" title=\"Saber como comprovar sua renda no financiamento imobili\u00e1rio\">Saber como comprovar sua renda no financiamento imobili\u00e1rio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Fazer_uma_renda_extra_para_aumentar_seus_ganhos\" title=\"Fazer uma renda extra para aumentar seus ganhos\">Fazer uma renda extra para aumentar seus ganhos<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Conhecer_o_Compra_Planejada_uma_opcao_para_conseguir_sua_entrada\" title=\"Conhecer o Compra Planejada: uma op\u00e7\u00e3o para conseguir sua entrada\">Conhecer o Compra Planejada: uma op\u00e7\u00e3o para conseguir sua entrada<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Utilizar_o_FGTS_como_valor_de_entrada\" title=\"Utilizar o FGTS como valor de entrada\">Utilizar o FGTS como valor de entrada<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Conhecer_o_Compra_Planejada_uma_opcao_para_conseguir_sua_entrada-2\" title=\"Conhecer o Compra Planejada: uma op\u00e7\u00e3o para conseguir sua entrada\">Conhecer o Compra Planejada: uma op\u00e7\u00e3o para conseguir sua entrada<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Utilizar_o_FGTS_como_valor_de_entrada-2\" title=\"Utilizar o FGTS como valor de entrada\">Utilizar o FGTS como valor de entrada<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Limpar_o_nome\" title=\"Limpar o nome\">Limpar o nome<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Pagar_suas_dividas_com_a_Receita_Federal_e_o_INSS\" title=\"Pagar suas d\u00edvidas com a Receita Federal e o INSS\">Pagar suas d\u00edvidas com a Receita Federal e o INSS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Pesquisar_a_melhor_linha_de_credito_e_faca_simulacoes\" title=\"Pesquisar a melhor linha de cr\u00e9dito e fa\u00e7a simula\u00e7\u00f5es\">Pesquisar a melhor linha de cr\u00e9dito e fa\u00e7a simula\u00e7\u00f5es<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Separar_a_documentacao_necessaria_do_financiamento_antecipadamente\" title=\"Separar a documenta\u00e7\u00e3o necess\u00e1ria do financiamento antecipadamente\">Separar a documenta\u00e7\u00e3o necess\u00e1ria do financiamento antecipadamente<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/financiamento-reprovado\/#Como_a_Tenda_pode_ajudar_voce_a_conquistar_a_casa_propria\" title=\"Como a Tenda pode ajudar voc\u00ea a conquistar a casa pr\u00f3pria?\">Como a Tenda pode ajudar voc\u00ea a conquistar a casa pr\u00f3pria?<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Partir em busca do sonho da casa pr\u00f3pria pode ser uma verdadeira jornada, principalmente ao usar o cr\u00e9dito imobili\u00e1rio, j\u00e1 que \u00e9 necess\u00e1rio cumprir uma s\u00e9rie de requisitos que, quando n\u00e3o atendidos, podem gerar o aviso de <strong>financiamento reprovado<\/strong>.<\/p>\n<p>Neste caso, o mais importante \u00e9 manter a calma, pois muitos dos motivos podem ser superados facilmente, como documenta\u00e7\u00e3o incompleta ou desatualizada. J\u00e1 outros, como baixo score de cr\u00e9dito, podem levar um pouco mais de tempo, mas n\u00e3o costumam ser imposs\u00edveis.<\/p>\n<p>Posto isso, que tal conferir quais s\u00e3o as principais causas do financiamento reprovado e ainda ver dicas pr\u00e1ticas de como aumentar as chances de conseguir a aprova\u00e7\u00e3o de cr\u00e9dito para comprar o im\u00f3vel dos seus sonhos? \u00c9 s\u00f3 continuar a leitura!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"O_que_e_e_como_funciona_um_financiamento_na_pratica\"><\/span>O que \u00e9 e como funciona um financiamento na pr\u00e1tica?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00c9 uma modalidade de cr\u00e9dito de m\u00e9dio e longo prazo que possibilita a aquisi\u00e7\u00e3o de um bem de alto valor, como um im\u00f3vel. Diferentemente do empr\u00e9stimo, que, ap\u00f3s solicitado, pode ser usado para qualquer finalidade, o financiamento sempre tem um prop\u00f3sito espec\u00edfico que deve ser apresentado no momento do pedido.<\/p>\n<p>Para fornecer o financiamento, as institui\u00e7\u00f5es financeiras costumam cobrar uma taxa de juros sobre o valor, que varia conforme o prazo de pagamento.<\/p>\n<p>Sendo assim, antes de solicitar essa modalidade, \u00e9 importante pesquisar bem as condi\u00e7\u00f5es de pagamento dispon\u00edveis nas p\u00e1ginas das institui\u00e7\u00f5es financeiras (como a Caixa) e construtoras (como a Tenda).<\/p>\n<p>No caso dos <a href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/como-funciona-o-financiamento-imobiliario\/\" target=\"_blank\" rel=\"noopener\">financiamentos imobili\u00e1rios<\/a>, \u00e9 comum haver diversos requisitos antes de conceder o cr\u00e9dito e, sim, pode reprovar os solicitantes. Confira a seguir quais s\u00e3o os principais motivos para ter o pedido de financiamento negado pelos credores.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Quais_sao_os_principais_motivos_para_ter_o_financiamento_reprovado\"><\/span>Quais s\u00e3o os principais motivos para ter o financiamento reprovado?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Os sete mais comuns s\u00e3o:<\/p>\n<ol>\n<li>Ter uma renda incompat\u00edvel com o valor do im\u00f3vel;<\/li>\n<li>N\u00e3o ter o valor pedido de entrada;<\/li>\n<li>Ter outros financiamentos ativos que comprometem a renda familiar;<\/li>\n<li>Ter um <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/o-que-e-score-e-qual-e-a-sua-importancia\">score<\/a> de cr\u00e9dito baixo ou negativo;<\/li>\n<li>Estar com o CPF negativado;<\/li>\n<li>Ter problemas com a Receita Federal e\/ou com o INSS;<\/li>\n<li>Apresentar a documenta\u00e7\u00e3o incompleta.<\/li>\n<\/ol>\n<p>Confira mais detalhes.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12287 size-full alignnone\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/09\/reprovado-no-financiamento.jpg\" alt=\"Financiamento reprovado, quais s\u00e3o os motivos | Foto de um homem irritado olhando para o celular | Trilha da Conquista | Blog da Tenda\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/09\/reprovado-no-financiamento.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/09\/reprovado-no-financiamento-300x200.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/09\/reprovado-no-financiamento-768x512.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/09\/reprovado-no-financiamento-150x100.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Ter_renda_incompativel_para_financiar_um_imovel\"><\/span>1. Ter renda incompat\u00edvel para financiar um im\u00f3vel<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A aprova\u00e7\u00e3o do financiamento depende diretamente da sua renda bruta da fam\u00edlia, pois os bancos avaliam se voc\u00ea tem condi\u00e7\u00f5es de arcar com as parcelas. A prop\u00f3sito, segundo a <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/LEIS\/l8692.htm\" target=\"_blank\" rel=\"noopener nofollow\" class=\"broken_link\">Lei N\u00ba 8.692<\/a>, os pagamentos mensais n\u00e3o podem ultrapassar 30% da renda familiar.<\/p>\n<p>Portanto, se o rendimento for considerado insuficiente para arcar com o compromisso, o financiamento pode ser negado. Entenda como calcular a renda m\u00ednima necess\u00e1ria neste v\u00eddeo:<\/p>\n<p><iframe loading=\"lazy\" title=\"Qual a RENDA M\u00cdNIMA para financiar um im\u00f3vel?\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/cA2HeNOCfKU?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Nao_ter_o_valor_de_entrada\"><\/span>2. N\u00e3o ter o valor de entrada<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A maioria dos bancos financia at\u00e9 80% do valor do im\u00f3vel, fazendo com que os 20% restantes, ou seja, o <a href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/como-dar-entrada-em-um-apartamento\/\" target=\"_blank\" rel=\"noopener\">valor de entrada<\/a>, precisem ser pagos \u00e0 vista. Por exemplo, digamos que tenha comprado um apartamento de R$ 200 mil. Ent\u00e3o, vai precisar desembolsar cerca de R$ 40 mil para a entrada.<\/p>\n<p>Caso n\u00e3o tenha esse valor, o financiamento pode ser negado. Por\u00e9m, algumas construtoras, como \u00e9 o caso da Tenda, permitem a negocia\u00e7\u00e3o da entrada, com possibilidade de parcelar o pagamento em at\u00e9 72 vezes.<\/p>\n<p>Saiba mais sobre o assunto no v\u00eddeo a seguir:<\/p>\n<p><iframe loading=\"lazy\" title=\"Qual \u00e9 o VALOR DA ENTRADA para financiar im\u00f3vel?\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/55aaN0F4Y2M?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Ter_outros_financiamentos_ativos_que_comprometem_sua_renda\"><\/span>3. Ter outros financiamentos ativos que comprometem sua renda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Como as presta\u00e7\u00f5es do financiamento n\u00e3o devem ultrapassar 30% da renda mensal bruta, ter mais de um financiamento em seu nome pode fazer com que as parcelas ultrapassem o valor e seu pedido seja reprovado.<\/p>\n<p>O motivo para essa decis\u00e3o \u00e9 o risco aumentado de inadimpl\u00eancia. Inclusive, mesmo nos casos em que a pessoa tem uma renda extra, se n\u00e3o for um valor fixo mensal, o banco pode relutar para liberar o financiamento, por se tratar de um rendimento vari\u00e1vel e, portanto, inst\u00e1vel.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Ter_um_score_baixo_ou_negativo_de_credito\"><\/span>4. Ter um score baixo ou negativo de cr\u00e9dito<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>O score de cr\u00e9dito \u00e9 uma pontua\u00e7\u00e3o que vai de 0 a 1.000 e mostra o seu perfil financeiro. Quanto mais alto for, maior \u00e9 a probabilidade de voc\u00ea pagar as contas em dia. Por esse motivo, tem mais chances de o cr\u00e9dito ser liberado.<\/p>\n<p>Essa pontua\u00e7\u00e3o pode aumentar ou diminuir conforme:<\/p>\n<ul>\n<li>pagamentos de conta sem atraso;<\/li>\n<li>hist\u00f3rico de d\u00edvidas;<\/li>\n<li>relacionamento financeiro com empresas;<\/li>\n<li>dados cadastrais atualizados.<\/li>\n<\/ul>\n<p>Confira dicas de como ajustar o seu <a href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/score-para-financiamento\" target=\"_blank\" rel=\"noopener\">score para conseguir a aprova\u00e7\u00e3o de um financiamento<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Estar_com_o_CPF_negativado_%E2%80%9Cnome_sujo%E2%80%9D\"><\/span>5. Estar com o CPF negativado (\u201cnome sujo\u201d)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ter o \u201c<a href=\"https:\/\/www.tenda.com\/eudouconta\/como-limpar-o-seu-nome\/nome-sujo-como-saber-se-voce-esta-negativado\/\" target=\"_blank\" rel=\"noopener\">nome sujo<\/a>\u201d \u00e9 um dos principais motivos para um financiamento ser reprovado. Isso ocorre porque \u00e9 feita uma <a href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/analise-de-credito-o-que-e-e-como-funciona-no-financiamento-imobiliario\/\" target=\"_blank\" rel=\"noopener\">an\u00e1lise de cr\u00e9dito<\/a> que verifica quanto a pessoa ganha, quais s\u00e3o as d\u00edvidas que ela tem e como ela paga suas contas.<\/p>\n<p>Neste momento, \u00e9 visto se ela tem ou n\u00e3o d\u00edvidas ativas, o que aumenta os riscos de calote para os credores.<\/p>\n<p>Assim, se voc\u00ea est\u00e1 nessa situa\u00e7\u00e3o e n\u00e3o sabe o que fazer para limpar seu nome, confira um conte\u00fado completo sobre como limpar o nome agora mesmo:<\/p>\n<p><iframe loading=\"lazy\" title=\"COMO LIMPAR O NOME e AUMENTAR O SCORE: 4 dicas IMPORTANTES!\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/j7vXmSwPgOQ?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Ter_problemas_com_a_Receita_Federal_eou_com_o_INSS\"><\/span>6. Ter problemas com a Receita Federal e\/ou com o INSS<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Al\u00e9m do \u201cnome sujo\u201d, se a pessoa tiver algum problema no <a href=\"https:\/\/www.gov.br\/inss\/pt-br\" target=\"_blank\" rel=\"noopener\">INSS<\/a> ou na <a href=\"https:\/\/www.gov.br\/receitafederal\/pt-br\" target=\"_blank\" rel=\"noopener\">Receita Federal<\/a>, como ter deixado de declarar o Imposto de Renda em determinado ano, h\u00e1 grandes chances de o financiamento ser negado.<\/p>\n<p>N\u00e3o ter nenhuma pend\u00eancia com esses \u00f3rg\u00e3os \u00e9 essencial para evitar um financiamento reprovado. Por esse motivo, vale a pena conferir a situa\u00e7\u00e3o e regularizar quaisquer situa\u00e7\u00f5es antes de dar entrada no financiamento.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Apresentar_a_documentacao_incompleta\"><\/span>7. Apresentar a documenta\u00e7\u00e3o incompleta<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Na solicita\u00e7\u00e3o do financiamento, v\u00e1rios documentos importantes s\u00e3o solicitados, como comprovantes de resid\u00eancia e de renda.<\/p>\n<p>Nesta etapa, \u00e9 preciso ter bastante aten\u00e7\u00e3o para garantir que tudo o que foi pedido seja enviado de forma correta. Afinal, antes de o financiamento ser ou n\u00e3o aprovado, o pedido passa por uma an\u00e1lise detalhada.<\/p>\n<p>Entretanto, caso a solicita\u00e7\u00e3o seja rejeitada por conta da documenta\u00e7\u00e3o, n\u00e3o h\u00e1 motivo para p\u00e2nico. Normalmente, se os documentos estiverem incompletos ou com alguma irregularidade, \u00e9 poss\u00edvel envi\u00e1-los novamente ap\u00f3s a regulariza\u00e7\u00e3o.<\/p>\n<p>Um detalhe importante \u00e9 que o financiamento pode ser reprovado por causa do ocadastro desatualizado. Inclusive, essa negativa costuma ser bem comum. Confira a seguir quais s\u00e3o os principais vil\u00f5es neste cen\u00e1rio.<\/p>\n<p>Confira tamb\u00e9m este v\u00eddeo que fala mais sobre os motivos para ter o financiamento reprovado:<\/p>\n<p><iframe loading=\"lazy\" title=\"FINANCIAMENTO REPROVADO: 5 coisas que podem REPROVAR a compra do seu im\u00f3vel\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/XVKGr8yh-2Q?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<h2><span class=\"ez-toc-section\" id=\"O_financiamento_pode_ser_reprovado_por_causa_do_cadastro_desatualizado\"><\/span>O financiamento pode ser reprovado por causa do cadastro desatualizado?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sim, porque apresentar documentos desatualizados pode reduzir a seguran\u00e7a para os bancos e institui\u00e7\u00f5es financeiras que concedem cr\u00e9dito para financiamento. Neste cen\u00e1rio, os problemas mais comuns costumam ser:<\/p>\n<ul>\n<li>a renda aumentou ou diminuiu, mas os comprovantes enviados ainda mostram os valores antigos e a diverg\u00eancia foi percebida durante a an\u00e1lise de cr\u00e9dito;<\/li>\n<li>o solicitante mudou de endere\u00e7o e n\u00e3o atualizou seus dados cadastrais;<\/li>\n<li>mudou o modelo de trabalho (como sair de CLT para aut\u00f4nomo) no meio tempo.<\/li>\n<\/ul>\n<p>Por esse motivo, \u00e9 importante ter em m\u00e3os documenta\u00e7\u00e3o recente, expedida h\u00e1, no m\u00e1ximo, 90 dias (tr\u00eas meses), e atualizar o Cadastro Positivo nos bir\u00f4s de cr\u00e9dito, como o <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/como-funciona-o-serasa\" target=\"_blank\" rel=\"noopener\">Serasa<\/a>.<\/p>\n<p>Tamb\u00e9m pode haver reprova\u00e7\u00e3o de financiamento por problema na documenta\u00e7\u00e3o do im\u00f3vel. Entenda quais s\u00e3o os motivos mais comuns.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"O_que_pode_reprovar_um_financiamento_por_causa_do_imovel\"><\/span>O que pode reprovar um financiamento por causa do im\u00f3vel?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Diversos fatores, sendo que os mais comuns s\u00e3o irregularidades na documenta\u00e7\u00e3o do im\u00f3vel, como pend\u00eancias jur\u00eddicas (disputa judicial, contas atrasadas ou falta de invent\u00e1rio). A avalia\u00e7\u00e3o do im\u00f3vel pelo banco tamb\u00e9m pode reprovar o financiamento. Neste caso, a negativa pode acontecer devido a danos \u00e0 estrutura.<\/p>\n<p>Outros motivos que podem fazer o im\u00f3vel ser reprovado na per\u00edcia s\u00e3o a localiza\u00e7\u00e3o, como pr\u00e9dios constru\u00eddos em \u00e1reas de risco e\/ou irregulares, e quando a avalia\u00e7\u00e3o determina um pre\u00e7o de venda maior do que o pedido anteriormente.<\/p>\n<p>Agora que voc\u00ea sabe o que pode reprovar um financiamento por causa do im\u00f3vel, confira o que fazer quando se deparar com esta situa\u00e7\u00e3o e quando tentar novamente.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Apos_ter_o_financiamento_reprovado_quando_e_possivel_tentar_novamente\"><\/span>Ap\u00f3s ter o financiamento reprovado, quando \u00e9 poss\u00edvel tentar novamente?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>O ideal \u00e9 acertar todas as pend\u00eancias indicadas na reprova\u00e7\u00e3o antes de tentar novamente. Se for por conta da documenta\u00e7\u00e3o, o novo pedido pode ser feito imediatamente. Por\u00e9m, se for devido \u00e0 renda ou score de cr\u00e9dito baixo, pode ser necess\u00e1rio mais tempo para regularizar antes de tentar novamente.<\/p>\n<p>Durante esse per\u00edodo de espera, procure resolver todos os problemas indicados no financiamento reprovado. Se voc\u00ea n\u00e3o sabe como fazer isso, o pr\u00f3ximo t\u00f3pico vai ajudar voc\u00ea a evitar a reprova\u00e7\u00e3o do financiamento.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"E_possivel_evitar_que_o_financiamento_seja_reprovado\"><\/span>\u00c9 poss\u00edvel evitar que o financiamento seja reprovado?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sim, por meio de estrat\u00e9gias como:<\/p>\n<ul>\n<li>fazer um planejamento financeiro;<\/li>\n<li>aproveitar a composi\u00e7\u00e3o de renda;<\/li>\n<li>saber como comprovar a renda corretamente;<\/li>\n<li>fazer uma renda extra;<\/li>\n<li>conhecer o compra planejada;<\/li>\n<li>utilizar o saldo do FGTS;<\/li>\n<li>aumentar o score;<\/li>\n<li>limpar o nome;<\/li>\n<li>pagar as d\u00edvidas com o INSS e Receita Federal;<\/li>\n<li>conhecer as diferentes linhas de cr\u00e9dito;<\/li>\n<li>separar a documenta\u00e7\u00e3o.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-6833 size-full alignnone\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/05\/shutterstock_1742207129.jpg\" alt=\"Como fazer um planejamento financeiro para um financiamento imobili\u00e1rio | Foto de um casal fazendo um planejamento financeiro | Trilha da Conquista | Blog da Tenda\" width=\"800\" height=\"530\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/05\/shutterstock_1742207129.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/05\/shutterstock_1742207129-300x199.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/05\/shutterstock_1742207129-768x509.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/05\/shutterstock_1742207129-150x99.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>Confira mais detalhes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Fazer_um_planejamento_financeiro_para_aumentar_sua_renda\"><\/span>Fazer um planejamento financeiro para aumentar sua renda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Como o financiamento imobili\u00e1rio \u00e9 um investimento a longo prazo, que compromete boa parte do seu or\u00e7amento familiar, \u00e9 indispens\u00e1vel fazer um <a href=\"https:\/\/www.tenda.com\/eudouconta\/como-limpar-o-seu-nome\/planejamento-financeiro\/\" target=\"_blank\" rel=\"noopener\">planejamento financeiro<\/a>. Assim, voc\u00ea tem no\u00e7\u00e3o de quanto pode comprometer para n\u00e3o ficar no vermelho. Para tanto:<\/p>\n<ul>\n<li>anote quanto voc\u00ea ganha por m\u00eas;<\/li>\n<li>liste todos os seus gastos fixos mensais (contas de consumo, como \u00e1gua, luz, telefone, internet e g\u00e1s, al\u00e9m do que gasta com alimenta\u00e7\u00e3o e transporte);<\/li>\n<li>fa\u00e7a uma lista das suas despesas particulares que ter\u00e1 nos pr\u00f3ximos anos, como estudos, sa\u00fade e seguros;<\/li>\n<li>defina quanto voc\u00ea vai poupar por m\u00eas e crie uma <a href=\"https:\/\/www.tenda.com\/eudouconta\/economia-e-renda-extra\/reserva-de-emergencia\/\" target=\"_blank\" rel=\"noopener\">reserva de emerg\u00eancia<\/a>.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Aproveitar_a_composicao_de_renda_para_aumentar_sua_renda\"><\/span>Aproveitar a composi\u00e7\u00e3o de renda para aumentar sua renda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Se sua renda n\u00e3o for suficiente, voc\u00ea pode financiar o im\u00f3vel pelo <a href=\"http:\/\/www.tenda.com\/minha-casa-minha-vida\" target=\"_blank\" rel=\"noopener\">Minha Casa, Minha Vida<\/a> usando a composi\u00e7\u00e3o de renda. Ou seja, somando os sal\u00e1rios de familiares ou amigos para aumentar o valor aprovado.<\/p>\n<p>Por exemplo, se voc\u00ea ganha R$ 2.000, seu c\u00f4njuge R$ 2.000 e seu filho R$ 1.000, a sua renda familiar \u00e9 R$ 5.000.<\/p>\n<p>Com essa, fica bem mais f\u00e1cil conseguir a aprova\u00e7\u00e3o de um financiamento, pois o risco de inadimpl\u00eancia \u00e9 menor. Na pr\u00e1tica, significa que o banco tem mais garantias de que as presta\u00e7\u00f5es ser\u00e3o pagas em dia.<\/p>\n<p>Quer saber mais sobre como funciona a composi\u00e7\u00e3o de renda no financiamento imobili\u00e1rio? Basta assistir ao v\u00eddeo abaixo:<\/p>\n<p><a href=\"https:\/\/www.youtube.com\/watch?v=4Ept-Qv7Y80\" target=\"_blank\" rel=\"noopener\">https:\/\/www.youtube.com\/watch?v=4Ept-Qv7Y80<\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Saber_como_comprovar_sua_renda_no_financiamento_imobiliario\"><\/span>Saber como comprovar sua renda no financiamento imobili\u00e1rio<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Os m\u00e9todos de <a href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/comprovante-de-renda\/\" target=\"_blank\" rel=\"noopener\">comprova\u00e7\u00e3o de renda<\/a> no financiamento imobili\u00e1rio variam conforme o modelo de trabalho. No geral:<\/p>\n<ul>\n<li>trabalhador com carteira assinada (CLT) deve apresentar o holerite, o documento que traz o total do sal\u00e1rio recebido e os demais descontos e benef\u00edcios;<\/li>\n<li>trabalhador aut\u00f4nomo pode apresentar extratos banc\u00e1rios, comprovando que existiu movimenta\u00e7\u00e3o na conta pelos \u00faltimos tr\u00eas meses;<\/li>\n<li>aposentados e pensionistas podem enviar a declara\u00e7\u00e3o de rendimentos do INSS.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Fazer_uma_renda_extra_para_aumentar_seus_ganhos\"><\/span>Fazer uma renda extra para aumentar seus ganhos<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Fazer uma renda extra ajuda a poupar dinheiro para usar como entrada ou adiantar as parcelas do financiamento e, assim, aumentar as chances de aprova\u00e7\u00e3o. Isso porque faz com que a renda familiar aumente e, assim, sobre mais dinheiro no final do m\u00eas para ir para a caixinha.<\/p>\n<p>Existem v\u00e1rias atividades que voc\u00ea pode fazer. Inclusive, temos um artigo com dicas de <a href=\"https:\/\/www.tenda.com\/blog\/eu-dou-conta\/renda-extra\" target=\"_blank\" rel=\"noopener\">como conseguir uma renda extra<\/a>. Confira!<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-6781 size-full alignnone\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/05\/shutterstock_1803076291.jpg\" alt=\"Como organizar as finan\u00e7as para um financiamento | Foto de uma mulher organizando as contas | Trilha da Conquista | Blog da Tenda\" width=\"800\" height=\"530\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/05\/shutterstock_1803076291.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/05\/shutterstock_1803076291-300x199.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/05\/shutterstock_1803076291-768x509.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/05\/shutterstock_1803076291-150x99.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Conhecer_o_Compra_Planejada_uma_opcao_para_conseguir_sua_entrada\"><\/span>Conhecer o Compra Planejada: uma op\u00e7\u00e3o para conseguir sua entrada<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Se voc\u00ea n\u00e3o tem o valor de entrada para comprar um im\u00f3vel, a Compra Planejada da Tenda pode ser a solu\u00e7\u00e3o ideal. A modalidade \u00e9 composta por um grupo de pessoas que se juntam para economizar dinheiro e comprar um bem ou servi\u00e7o.<\/p>\n<p>O funcionamento \u00e9 simples: todos os meses, cada participante contribui com uma quantia. A cada rodada, uma pessoa do grupo \u00e9 sorteada para receber o valor acumulado e realizar a compra do bem desejado.<\/p>\n<p>Em parceria com a administradora de cons\u00f3rcios \u201cEutbem\u201d, a Construtora Tenda fornece benef\u00edcios e facilidades para potenciais clientes de S\u00e3o Paulo, que podem te ajudar a dar entrada no seu apartamento pr\u00f3prio.<\/p>\n<p>Quer saber mais? Ent\u00e3o, confira todos os detalhes da <a href=\"https:\/\/www.tenda.com\/compra-planejada\/\" target=\"_blank\" rel=\"noopener nofollow\" class=\"broken_link\">Compra Planejada da Tenda<\/a> e saiba como pode te ajudar a conquistar a entrada do seu apartamento!<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Utilizar_o_FGTS_como_valor_de_entrada\"><\/span>Utilizar o FGTS como valor de entrada<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-8972 size-full alignnone\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/10\/FGTS.jpg\" alt=\"Como utilizar o FGTS como valor de entrada do seu financiamento | Foto de uma pessoa segurando celular com a logo do FGTS na tela e no computador | Trilha da Conquista | Blog da Tenda\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/10\/FGTS.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/10\/FGTS-300x200.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/10\/FGTS-768x512.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/10\/FGTS-150x100.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"Conhecer_o_Compra_Planejada_uma_opcao_para_conseguir_sua_entrada-2\"><\/span>Conhecer o Compra Planejada: uma op\u00e7\u00e3o para conseguir sua entrada<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Se voc\u00ea n\u00e3o tem o valor de entrada para comprar um im\u00f3vel, a Compra Planejada da Tenda pode ser a solu\u00e7\u00e3o ideal. A modalidade \u00e9 composta por um grupo de pessoas que se juntam para economizar dinheiro e comprar um bem ou servi\u00e7o.<\/p>\n<p>O funcionamento \u00e9 simples: todos os meses, cada participante contribui com uma quantia. A cada rodada, uma pessoa do grupo \u00e9 sorteada para receber o valor acumulado e realizar a compra do bem desejado.<\/p>\n<p>Em parceria com a administradora de cons\u00f3rcios \u201cEutbem\u201d, a Construtora Tenda fornece benef\u00edcios e facilidades para potenciais clientes de S\u00e3o Paulo, que podem te ajudar a dar entrada no seu apartamento pr\u00f3prio.<\/p>\n<p>Quer saber mais? Ent\u00e3o, confira todos os detalhes da <a href=\"https:\/\/www.tenda.com\/compra-planejada\/\" target=\"_blank\" rel=\"noopener nofollow\" class=\"broken_link\">Compra Planejada da Tenda<\/a> e saiba como pode te ajudar a conquistar a entrada do seu apartamento!<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Utilizar_o_FGTS_como_valor_de_entrada-2\"><\/span>Utilizar o FGTS como valor de entrada<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-11025 size-full alignnone\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/03\/planejamento-financeiro.jpg\" alt=\"Como aumentar o score de cr\u00e9dito | Foto de uma mulher fazendo as contas na calculadora | Trilha da Conquista | Blog da Tenda\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/03\/planejamento-financeiro.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/03\/planejamento-financeiro-300x200.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2022\/03\/planejamento-financeiro-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>Se voc\u00ea descobriu que seu score de cr\u00e9dito \u00e9 baixo, \u00e9 poss\u00edvel seguir algumas a\u00e7\u00f5es para aument\u00e1-lo, como:<\/p>\n<ul>\n<li>limpar seu nome, colocando em dia o pagamento das suas d\u00edvidas;<\/li>\n<li>negociar e pagar todas as suas d\u00edvidas em aberto;<\/li>\n<li>pagar as contas no prazo;<\/li>\n<li>ter as contas em seu nome;<\/li>\n<li>n\u00e3o comprometer mais do que 30% da sua renda com d\u00edvidas extras;<\/li>\n<li>inscrever-se no <a href=\"https:\/\/www.serasa.com.br\/cadastro-positivo\/cp\/\" target=\"_blank\" rel=\"noopener\">Cadastro Positivo<\/a>, um medidor que mostra qu\u00e3o bom pagador voc\u00ea \u00e9;<\/li>\n<li>manter seus dados pessoais sempre atualizados.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Limpar_o_nome\"><\/span>Limpar o nome<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Como a institui\u00e7\u00e3o financeira pode reprovar seu financiamento se voc\u00ea estiver com o \u201cnome sujo\u201d, \u00e9 indispens\u00e1vel buscar limp\u00e1-lo antes de fazer o pedido de financiamento para aumentar suas chances de ser aprovado. Para tanto:<\/p>\n<ul>\n<li>consulte sua situa\u00e7\u00e3o no SPC, Serasa ou Boa Vista SCPC para verificar d\u00edvidas em aberto;<\/li>\n<li>renegocie seus d\u00e9bitos diretamente com as empresas credoras e, ao quitar, seu nome \u00e9 retirado imediatamente da lista de inadimplentes;<\/li>\n<li>fa\u00e7a um planejamento financeiro, organizando suas contas e poupando para a entrada do im\u00f3vel.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Pagar_suas_dividas_com_a_Receita_Federal_e_o_INSS\"><\/span>Pagar suas d\u00edvidas com a Receita Federal e o INSS<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-9320 size-full alignnone\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/11\/receita-federal.jpg\" alt=\"Como pagar as d\u00edvidas com a Receita Federal e INSS | Foto de um celular com a logo da Receita Federal | Trilha da Conquista | Blog da Tenda\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/11\/receita-federal.jpg 800w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/11\/receita-federal-300x200.jpg 300w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/11\/receita-federal-768x512.jpg 768w, https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/11\/receita-federal-150x100.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/h3>\n<p>Para resolver pend\u00eancias com a Receita Federal ou com o INSS, o primeiro passo \u00e9\u00a0 entender o que \u00e9 necess\u00e1rio para regularizar sua situa\u00e7\u00e3o com esses \u00f3rg\u00e3os entrando em contato diretamente com o servi\u00e7o de atendimento.<\/p>\n<p>Da mesma maneira que na limpeza do nome, quanto mais r\u00e1pido voc\u00ea agir, mais r\u00e1pido resolver\u00e3o sua quest\u00e3o e liberar\u00e3o seu nome para o financiamento imobili\u00e1rio.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pesquisar_a_melhor_linha_de_credito_e_faca_simulacoes\"><\/span>Pesquisar a melhor linha de cr\u00e9dito e fa\u00e7a simula\u00e7\u00f5es<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7278 size-full alignnone\" src=\"https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2021\/06\/Simulador-Minha-Casa-Minha-VIda.jpg\" alt=\"Pesquise e fa\u00e7a simula\u00e7\u00f5es | Foto de uma mulher sorrindo pesquisando na internet | Trilha da Conquista | Blog da Tenda\" width=\"800\" height=\"530\" \/><\/p>\n<p>Cada banco oferece taxas e condi\u00e7\u00f5es diferentes. Por esse motivo, pesquise bem antes de fechar neg\u00f3cio. Como o financiamento \u00e9 uma d\u00edvida de longo prazo, escolher a melhor op\u00e7\u00e3o evita comprometer suas finan\u00e7as.<\/p>\n<p>Fa\u00e7a simula\u00e7\u00f5es para entender qual im\u00f3vel cabe no seu or\u00e7amento. Aqui na Construtora Tenda, temos o <a href=\"https:\/\/www.tenda.com\/simulador-de-financiamento\" target=\"_blank\" rel=\"noopener\">Simulador de Financiamento Tenda<\/a>, o aliado ideal para ajudar voc\u00ea nessa miss\u00e3o!<\/p>\n<p>Com a ferramenta, voc\u00ea descobre o valor do im\u00f3vel que pode pagar, a estimativa das parcelas e se tem direito a <a href=\"https:\/\/www.tenda.com\/blog\/minha-casa-minha-vida\/subsidio-habitacional-o-que-e\/\" target=\"_blank\" rel=\"noopener\">subs\u00eddios<\/a> do Minha Casa, Minha Vida.<\/p>\n<p>Para saber mais detalhes, fa\u00e7a sua simula\u00e7\u00e3o gratuita ou assista ao v\u00eddeo abaixo:<\/p>\n<p><iframe loading=\"lazy\" title=\"Simulador de Financiamento: descubra como simular um financiamento imobili\u00e1rio | Tenda Explica!\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/oJqAFvrJxII?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>Assim que tiver todas essas informa\u00e7\u00f5es em m\u00e3os, voc\u00ea vai ver que fica bem mais f\u00e1cil tomar uma decis\u00e3o consciente.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Separar_a_documentacao_necessaria_do_financiamento_antecipadamente\"><\/span>Separar a documenta\u00e7\u00e3o necess\u00e1ria do financiamento antecipadamente<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A lista de documentos exigida pode variar de banco para banco. Portanto, procure saber antecipadamente toda a documenta\u00e7\u00e3o. No geral, os principais <a href=\"https:\/\/www.tenda.com\/blog\/trilha-da-conquista\/documentos-para-financiamento\/\" target=\"_blank\" rel=\"noopener\">documentos para o financiamento imobili\u00e1rio<\/a> s\u00e3o:<\/p>\n<ul>\n<li>documento de identidade, como RG, CNH e CPF;<\/li>\n<li>comprovante de estado civil (para os solteiros, certid\u00e3o de nascimento; para os casados, certid\u00e3o de casamento ou certificado de uni\u00e3o est\u00e1vel; para os divorciados, certid\u00e3o de casamento com div\u00f3rcio averbado);<\/li>\n<li>comprovante atual de endere\u00e7o;<\/li>\n<li>certid\u00e3o conjunta de d\u00e9bitos referentes aos tributos federais;<\/li>\n<li><a href=\"https:\/\/www.tenda.com\/eudouconta\/duvidas-sobre-dividas\/o-que-e-imposto-de-renda\/\" target=\"_blank\" rel=\"noopener\">declara\u00e7\u00e3o de Imposto de Renda<\/a>;<\/li>\n<li>extrato do FGTS;<\/li>\n<li>carteira de trabalho;<\/li>\n<li>comprovante de renda.<\/li>\n<\/ul>\n<p>Por fim, deixe separadas as c\u00f3pias e os documentos originais e d\u00ea entrada no financiamento da sua casa pr\u00f3pria. Seguindo essas dicas, as chances de ter um financiamento reprovado ser\u00e3o bem menores.<\/p>\n<p>Tamb\u00e9m vale procurar pelo im\u00f3vel ideal na sua construtora de confian\u00e7a, como a Tenda. Veja como podemos ajud\u00e1-lo a sair do aluguel.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Como_a_Tenda_pode_ajudar_voce_a_conquistar_a_casa_propria\"><\/span>Como a Tenda pode ajudar voc\u00ea a conquistar a casa pr\u00f3pria?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>A <\/strong><a href=\"https:\/\/www.tenda.com\/\" target=\"_blank\" rel=\"noopener\"><strong>Tenda<\/strong><\/a><strong> est\u00e1 h\u00e1 mais de 50 anos ajudando fam\u00edlias a realizarem o sonho da casa pr\u00f3pria, al\u00e9m de contar com centenas de empreendimentos eleg\u00edveis para o Minha Casa,<\/strong> Minha Vida e outras facilidades para conseguir a aprova\u00e7\u00e3o do financiamento, como o Compra Planejada e o parcelamento da entrada.<\/p>\n<p>Com a Tenda, voc\u00ea encontra o im\u00f3vel perfeito para a sua fam\u00edlia em dez estados brasileiros, sempre com infraestrutura e acabamento de qualidade, al\u00e9m de localiza\u00e7\u00f5es privilegiadas, pr\u00f3ximas a tudo o que voc\u00ea precisa para viver bem.<\/p>\n<p>Confira os nossos apartamentos \u00e0 venda e aproveite os benef\u00edcios do Minha Casa, Minha Vida. Para saber mais, entre em contato com <a href=\"https:\/\/api.whatsapp.com\/send?phone=551149508934&amp;text=Oi,%20estou%20interessado%20em%20comprar%20um%20im%C3%B3vel%20da%20Tenda\" target=\"_blank\" rel=\"noopener\">nosso time de atendimento<\/a> ou visite nossa <a href=\"http:\/\/tenda.com\/loja-virtual\" target=\"_blank\" rel=\"noopener\">Loja Virtual<\/a>.<\/p>\n\n            <div class='ays-quiz-container ays_quiz_rect_dark  ' data-quest-effect='shake'  data-hide-bg-image='false' id='ays-quiz-container-2'>\n                \n                \n                <div class='ays-questions-container'>\n                    \n                    \n                    <form action='' method='post' id='ays_finish_quiz_2' \n                        class='ays-quiz-form enable_correction  '\n                    >\n            <input type='hidden' value='list' class='answer_view_class'>\n            <input type='hidden' value='' class='ays_qm_enable_arrows'>\n            \n            \n      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               <p><strong><span class=\"TextRun SCXW103552513 BCX0\" lang=\"PT-BR\" xml:lang=\"PT-BR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW103552513 BCX0\">O que n\u00e3o pode faltar no condom\u00ednio dos sonhos?<\/span><\/span><\/strong><\/p>\n<p><span class=\"TextRun SCXW103552513 BCX0\" lang=\"PT-BR\" xml:lang=\"PT-BR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW103552513 BCX0\"><br \/>\nPode escolher quantas op\u00e7\u00e3o desejar.<\/span><\/span><\/p>\n\n                            <\/div>\n                            \n                        <div class='ays-quiz-answers ays_list_view_container  enable_min_selection_number'>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-5]' id='ays-answer-17-2' value='17'\/>\n                    <label for='ays-answer-17-2'>\n                        \u00c1rea fitness\n                    <\/label>\n                    <label for='ays-answer-17-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-5]' id='ays-answer-18-2' value='18'\/>\n                    <label for='ays-answer-18-2'>\n                        Biciclet\u00e1rio\n                    <\/label>\n                    <label for='ays-answer-18-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-5]' id='ays-answer-19-2' value='19'\/>\n                    <label for='ays-answer-19-2'>\n               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      Quadra\n                    <\/label>\n                    <label for='ays-answer-25-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div><script>\n            if(typeof window.quizOptions_2 === 'undefined'){\n                window.quizOptions_2 = [];\n            }\n            window.quizOptions_2['5'] = 'eyJlbmFibGVfbWF4X3NlbGVjdGlvbl9udW1iZXIiOmZhbHNlLCJtYXhfc2VsZWN0aW9uX251bWJlciI6IiIsImVuYWJsZV9taW5fc2VsZWN0aW9uX251bWJlciI6dHJ1ZSwibWluX3NlbGVjdGlvbl9udW1iZXIiOjEsInF1ZXN0aW9uX2Fuc3dlciI6eyIxNyI6IjEiLCIxOCI6IjEiLCIxOSI6IjEiLCIyMCI6IjEiLCIyMSI6IjEiLCIyMiI6IjEiLCIyMyI6IjEiLCIyNCI6IjEiLCIyNSI6IjEifX0=';<\/script><\/div>                        \n                        \n                        \n                        <div class='ays_buttons_div'>\n                        \n                        <i class=\"ays_fa ays_fa_arrow_left ays_previous action-button ays_arrow ays_display_none\"><\/i>\n                        <input type='button' class='ays_previous action-button ' value='Anterior' \/>\n                        \n                        <i class=\"ays_fa ays_fa_arrow_right ays_next action-button ays_arrow ays_next_arrow ays_display_none\"><\/i>\n                        <input type='button' class='ays_next action-button ' value='Pr\u00f3ximo' \/>\n                    <\/div>\n                        <div class=\"ays-quiz-question-validation-error\" role=\"alert\"><\/div>\n                        <div class='wrong_answer_text ays_do_not_show' style='display:none'>\n                            \n                        <\/div>\n                        <div class='right_answer_text ays_do_not_show' style='display:none'>\n                            \n                        <\/div>\n                        <div class='ays_questtion_explanation' style='display:none'>\n                            \n                        <\/div>\n                        \n                        \n                    <\/div>\n                <\/div><div class='step ' data-question-id='6' data-type='checkbox'>\n                    \n                    \n                    <p class='ays-question-counter animated'>3 \/ 6<\/p>\n                    <div class='ays-abs-fs'>\n                        \n                        <div class='ays_quiz_question'>\n                                <p><strong><span class=\"TextRun SCXW233131361 BCX0\" lang=\"PT-BR\" xml:lang=\"PT-BR\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentStart SCXW233131361 BCX0\">Voc\u00ea j\u00e1 deu uma olhadinha sem tem FGTS dispon\u00edvel?<\/span><\/span><\/strong><\/p>\n\n                            <\/div>\n                            \n                        <div class='ays-quiz-answers ays_list_view_container enable_max_selection_number enable_min_selection_number'>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input 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  \n                        <\/div>\n                        \n                        \n                    <\/div>\n                <\/div><div class='step ' data-question-id='7' data-type='checkbox'>\n                    \n                    \n                    <p class='ays-question-counter animated'>4 \/ 6<\/p>\n                    <div class='ays-abs-fs'>\n                        \n                        <div class='ays_quiz_question'>\n                                <p><strong><span class=\"NormalTextRun SCXW233131361 BCX0\">O programa <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW233131361 BCX0\">Minha Casa, Minha Vida oferece<\/span><\/strong><span class=\"NormalTextRun SCXW233131361 BCX0\"><strong> vantagens para cada uma das faixas de renda.<\/strong> <\/span><\/p>\n<p><span class=\"NormalTextRun SCXW233131361 BCX0\">Em qual voc\u00ea se encaixa?<\/span><\/p>\n\n                            <\/div>\n                            \n                        <div class='ays-quiz-answers ays_list_view_container enable_max_selection_number enable_min_selection_number'>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-7]' id='ays-answer-29-2' value='29'\/>\n                    <label for='ays-answer-29-2'>\n                        Faixa 1: renda familiar bruta mensal at\u00e9 R$ 3.200,00\n                    <\/label>\n                    <label for='ays-answer-29-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-7]' id='ays-answer-30-2' value='30'\/>\n                    <label for='ays-answer-30-2'>\n                        Faixa 2: renda familiar bruta mensal de R$ 3.200,01 a R$ 5.000,00\n                    <\/label>\n                    <label for='ays-answer-30-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-7]' id='ays-answer-31-2' value='31'\/>\n                    <label for='ays-answer-31-2'>\n                        Faixa 3: renda familiar bruta mensal de R$ 5.000,01 a R$ 9.600.\n                    <\/label>\n                    <label for='ays-answer-31-2' class='ays_answer_image ays_answer_image_class'><\/label>\n\n            <\/div>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-7]' 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<\/div>\n                        \n                        \n                    <\/div>\n                <\/div><div class='step ' data-question-id='9' data-type='checkbox'>\n                    \n                    \n                    <p class='ays-question-counter animated'>5 \/ 6<\/p>\n                    <div class='ays-abs-fs'>\n                        \n                        <div class='ays_quiz_question'>\n                                <p><strong><span class=\"TextRun SCXW59422622 BCX0\" lang=\"PT-BR\" xml:lang=\"PT-BR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW59422622 BCX0\"> J\u00e1 fez alguma simula\u00e7\u00e3o de financiamento?<\/span><\/span><\/strong><\/p>\n\n                            <\/div>\n                            \n                        <div class='ays-quiz-answers ays_list_view_container enable_max_selection_number enable_min_selection_number'>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' 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                           <p><strong><span class=\"TextRun SCXW172396561 BCX0\" lang=\"PT-BR\" xml:lang=\"PT-BR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW172396561 BCX0\">J\u00e1 conferiu se tem direito a subs\u00eddio ou algum benef\u00edcio habitacional do governo?<\/span><\/span><\/strong><\/p>\n\n                            <\/div>\n                            \n                        <div class='ays-quiz-answers ays_list_view_container enable_max_selection_number enable_min_selection_number'>\n            <div class='ays-field ays_list_view_item'>\n                <input type='hidden' name='ays_answer_correct[]' value='0'\/>\n\n                <input type='checkbox' name='ays_questions[ays-question-8]' id='ays-answer-33-2' value='33'\/>\n                    <label for='ays-answer-33-2'>\n                        J\u00e1 conferi!\n                    <\/label>\n                    <label for='ays-answer-33-2' class='ays_answer_image 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             \n                        \n                        <div class='ays_buttons_div'>\n                            \n                            <i class=\"ays_fa ays_fa_arrow_left ays_previous action-button ays_arrow ays_display_none\"><\/i>\n                            <input type='button' class='ays_previous action-button '  value='Anterior' \/>\n                            <i class='ays_display_none ays_fa ays_fa_arrow_right ays_finish action-button ays_arrow ays_next_arrow'><\/i><input type='button' class='  ays_next action-button' value='Encerrar' \/>\n                        <\/div>\n                        <div class=\"ays-quiz-question-validation-error\" role=\"alert\"><\/div>\n                        <div class='wrong_answer_text ays_do_not_show' style='display:none'>\n                            \n                        <\/div>\n                        <div class='right_answer_text ays_do_not_show' style='display:none'>\n                            \n                        <\/div>\n                        <div class='ays_questtion_explanation' style='display:none'>\n                            \n                        <\/div>\n                        \n                        \n                    <\/div>\n                <\/div><div class='step'>\n                                <div class='ays-abs-fs ays-end-page information_form'>\n                                <div class='ays-form-title'><p data-start=\"312\" data-end=\"427\"><strong data-start=\"312\" data-end=\"359\">Chegou a hora de descobrir o seu resultado!<\/strong><br data-start=\"359\" data-end=\"362\" \/>Antes disso, preencha algumas informa\u00e7\u00f5es r\u00e1pidas para continuar.<\/p>\n<\/div>\n                                    <input type='text' id='ays_form_field_user_name_2' name='ays_user_name' placeholder='Nome' class='ays_quiz_form_input ays_animated_x5ms' required><input type='text' id='ays_form_field_user_email_2' name='ays_user_email' placeholder='E-mail' class='ays_quiz_form_input ays_animated_x5ms' required><input type='text' id='ays_form_field_user_phone_2' name='ays_user_phone' placeholder='N\u00famero de telefone' class='ays_quiz_form_input ays_animated_x5ms' required>\n                                    <div class='ays_buttons_div'>\n                                        <i class='ays_display_none ays_fa ays_fa_flag_checkered ays_finish action-button ays_arrow ays_next_arrow'><\/i>\n                                        <input type='submit' name='ays_finish_quiz' class=' ays_next ays_finish action-button' value='Ver resultados'\/>\n                                    <\/div>\n                                <\/div>\n                              <\/div><div class='step ays_thank_you_fs'>\n            <div class='ays-abs-fs ays-end-page'><div data-class='lds-ellipsis' data-role='loader' class='ays-loader'><div><\/div><div><\/div><div><\/div><div><\/div><\/div><div class='ays_quiz_results_page'><div class='ays_score_message'><\/div><div class='ays_message'><\/div><p class='ays_restart_button_p'><button type='button' class='action-button ays_restart_button'>\n                    <i class='ays_fa ays_fa_undo'><\/i>\n                    <span>Recome\u00e7ar o question\u00e1rio<\/span>\n                <\/button><\/p><\/div>\n            <\/div>\n        <\/div><style>\n            div#ays-quiz-container-2 * {\n                box-sizing: border-box;\n            }\n\n            #ays-quiz-container-2 [id^='ays_finish_quiz_'] div.step div.ays-abs-fs {\n                width: 90%;\n            }\n\n            \/* Styles for Internet Explorer start *\/\n            #ays-quiz-container-2 #ays_finish_quiz_2 {\n                \n            }\n\n            \/* Styles for Quiz container *\/\n            #ays-quiz-container-2{\n                min-height: 450px;\n                width:100%;\n                background-color:#263f5f;\n                background-position:center center;background-image: url('https:\/\/www.tenda.com\/blog\/wp-content\/uploads\/2025\/11\/Design-sem-nome-1-300x158.png');border-radius:16px;box-shadow: none;border: none;}\n\n            \/* Styles for questions *\/\n            #ays-quiz-container-2 #ays_finish_quiz_2 div.step {\n                min-height: 450px;\n            }\n\n            \/* Styles for text inside quiz container *\/\n            #ays-quiz-container-2 .ays-start-page *:not(input):not([class^='enlighter']),\n            #ays-quiz-container-2 .ays_question_hint,\n            #ays-quiz-container-2 label[for^=\"ays-answer-\"],\n            #ays-quiz-container-2 #ays_finish_quiz_2 p,\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-fs-title,\n            #ays-quiz-container-2 .ays-fs-subtitle,\n            #ays-quiz-container-2 .logged_in_message,\n            #ays-quiz-container-2 .ays_score_message,\n            #ays-quiz-container-2 .ays_message{\n               color: #ffffff;\n               outline: none;\n            }\n\n            #ays-quiz-container-2 .ays-quiz-password-message-box,\n            #ays-quiz-container-2 .ays-quiz-question-note-message-box,\n            #ays-quiz-container-2 .ays_quiz_question,\n            #ays-quiz-container-2 .ays-quiz-question-category-box,\n            #ays-quiz-container-2 .ays_quiz_question *:not([class^='enlighter']) {\n                color: #ffffff;\n            }\n\n            #ays-quiz-container-2 .ays-quiz-question-category-box em {\n                color: #ffffff;\n            }\n\n            #ays-quiz-container-2 textarea,\n            #ays-quiz-container-2 input::first-letter,\n            #ays-quiz-container-2 select::first-letter,\n            #ays-quiz-container-2 option::first-letter {\n                color: initial !important;\n            }\n            \n            #ays-quiz-container-2 p::first-letter:not(.ays_no_questions_message) {\n                color: #ffffff !important;\n                background-color: transparent !important;\n                font-size: inherit !important;\n                font-weight: inherit !important;\n                float: none !important;\n                line-height: inherit !important;\n                margin: 0 !important;\n                padding: 0 !important;\n            }\n            \n            \n            #ays-quiz-container-2 .select2-container,\n            #ays-quiz-container-2 .ays-field * {\n                font-size: 16px !important;\n            }\n    \n            #ays-quiz-container-2 .ays_quiz_question p {\n                font-size: 16px;\n                text-align: inherit;\n            }\n\n            #ays-quiz-container-2 .ays-fs-subtitle p {\n                text-align:  center ;\n            }\n\n            #ays-quiz-container-2 .ays_quiz_question {\n                text-align:  center ;\n                margin-bottom: 10px;\n            }\n\n            #ays-quiz-container-2 .ays_quiz_question pre {\n                max-width: 100%;\n                white-space: break-spaces;\n            }\n\n            \/* Mango theme (Version: 1.4.202301041836) | tid=32449 | Start *\/\n            #ays-quiz-container-2 .ays_quiz_question img {\n                float: unset;\n                margin: 0;\n            }\n            \/* Mango theme (Version: 1.4.202301041836) | End *\/\n\n            #ays-quiz-container-2 .ays-quiz-timer p {\n                font-size: 16px;\n            }\n\n            #ays-quiz-container-2 section.ays_quiz_redirection_timer_container hr,\n            #ays-quiz-container-2 section.ays_quiz_timer_container hr {\n                margin: 0;\n            }\n\n            #ays-quiz-container-2 section.ays_quiz_timer_container.ays_quiz_timer_red_warning .ays-quiz-timer {\n                color: #ff0000;\n            }\n\n            #ays-quiz-container-2 .ays_thank_you_fs p {\n                text-align: center;\n            }\n\n            #ays-quiz-container-2 .ays_quiz_results_page .ays_score span {\n                visibility: visible;\n            }\n\n            #ays-quiz-container-2 input[type='button'],\n            #ays-quiz-container-2 input[type='submit'] {\n                color: #ffffff !important;\n            }\n\n            #ays-quiz-container-2 input[type='button']{\n                outline: none;\n            }\n\n            #ays-quiz-container-2 .information_form input[type='text'],\n            #ays-quiz-container-2 .information_form input[type='url'],\n            #ays-quiz-container-2 .information_form input[type='number'],\n            #ays-quiz-container-2 .information_form input[type='email'],\n            #ays-quiz-container-2 .information_form input[type='checkbox'],\n            #ays-quiz-container-2 .information_form input[type='tel'],\n            #ays-quiz-container-2 .information_form textarea,\n            #ays-quiz-container-2 .information_form select,\n            #ays-quiz-container-2 .information_form option {\n                color: initial !important;\n                outline: none;\n                background-image: unset;\n            }\n\n            #ays-quiz-container-2 .wrong_answer_text{\n                color:#ff4d4d;\n            }\n            #ays-quiz-container-2 .right_answer_text{\n                color:#33cc33;\n            }\n\n            #ays-quiz-container-2 .wrong_answer_text p {\n                font-size:16px;\n            }\n\n            #ays-quiz-container-2 .ays_questtion_explanation p {\n                font-size:16px;\n            }\n\n            #ays-quiz-container-2 .wrong_answer_text *:not(strong) {\n                text-transform:none;\n                text-decoration: none;\n                letter-spacing: 0px;\n                font-weight: normal;\n            }\n\n            #ays-quiz-container-2 .ays_questtion_explanation *:not(strong) {\n                text-transform:none;\n                text-decoration: none;\n                letter-spacing: 0px;\n                font-weight: normal;\n            }\n\n            #ays-quiz-container-2 .right_answer_text *:not(strong) {\n                text-transform:none;\n                text-decoration: none;\n                letter-spacing: 0px;\n                font-weight: normal;\n            }\n\n            #ays-quiz-container-2 .right_answer_text p {\n                font-size:16px;\n            }\n\n            #ays-quiz-container-2 .ays-quiz-question-note-message-box p {\n                font-size:14px;\n            }\n\n            #ays-quiz-container-2 .ays-quiz-question-note-message-box *:not(strong) {\n                text-transform:none;\n                text-decoration: none;\n                letter-spacing: 0px;\n                font-weight: normal;\n            }\n            \n            #ays-quiz-container-2 .ays_cb_and_a,\n            #ays-quiz-container-2 .ays_cb_and_a * {\n                color: rgb(255,255,255);\n                text-align: center;\n            }\n\n            \/* Quiz textarea height *\/\n            #ays-quiz-container-2 textarea {\n                height: 100px;\n                min-height: 100px;\n            }\n\n            \/* Quiz rate and passed users count *\/\n            #ays-quiz-container-2 .ays_quizn_ancnoxneri_qanak,\n            #ays-quiz-container-2 .ays_quiz_rete_avg {\n                color:#263f5f !important;\n                background-color:#ffffff;   \n            }\n\n            #ays-quiz-container-2 .ays-questions-container > .ays_quizn_ancnoxneri_qanak {\n                padding: 5px 20px;\n            }\n            #ays-quiz-container-2 div.for_quiz_rate.ui.star.rating .icon {\n                color: rgba(255,255,255,0.35);\n            }\n            #ays-quiz-container-2 .ays_quiz_rete_avg div.for_quiz_rate_avg.ui.star.rating .icon {\n                color: rgba(38,63,95,0.5);\n            }\n\n            #ays-quiz-container-2 .ays_quiz_rete .ays-quiz-rate-link-box .ays-quiz-rate-link {\n                color: #ffffff;\n            }\n\n            \/* Loaders *\/            \n            #ays-quiz-container-2 div.lds-spinner,\n            #ays-quiz-container-2 div.lds-spinner2 {\n                color: #ffffff;\n            }\n            #ays-quiz-container-2 div.lds-spinner div:after,\n            #ays-quiz-container-2 div.lds-spinner2 div:after {\n                background-color: #ffffff;\n            }\n            #ays-quiz-container-2 .lds-circle,\n            #ays-quiz-container-2 .lds-facebook div,\n            #ays-quiz-container-2 .lds-ellipsis div{\n                background: #ffffff;\n            }\n            #ays-quiz-container-2 .lds-ripple div{\n                border-color: #ffffff;\n            }\n            #ays-quiz-container-2 .lds-dual-ring::after,\n            #ays-quiz-container-2 .lds-hourglass::after{\n                border-color: #ffffff transparent #ffffff transparent;\n            }\n\n            \/* Stars *\/\n            #ays-quiz-container-2 .ui.rating .icon,\n            #ays-quiz-container-2 .ui.rating .icon:before {\n                font-family: Rating !important;\n            }\n\n            \/* Progress bars *\/\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-progress {\n                border-color: rgba(255,255,255,0.8);\n            }\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-progress-bg {\n                background-color: rgba(255,255,255,0.3);\n            }    \n            #ays-quiz-container-2 .ays-progress-value {\n                color: #ffffff;\n                text-align: center;\n            }\n            #ays-quiz-container-2 .ays-progress-bar {\n                background-color: #d50037;\n            }\n            #ays-quiz-container-2 .ays-question-counter .ays-live-bar-wrap {\n                direction:ltr !important;\n            }\n            #ays-quiz-container-2 .ays-live-bar-fill{\n                color: #ffffff;\n                border-bottom: 2px solid rgba(255,255,255,0.8);\n                text-shadow: 0px 0px 5px #263f5f;\n            }\n            #ays-quiz-container-2 .ays-live-bar-fill.ays-live-fourth,\n            #ays-quiz-container-2 .ays-live-bar-fill.ays-live-third,\n            #ays-quiz-container-2 .ays-live-bar-fill.ays-live-second {\n                text-shadow: unset;\n            }\n            #ays-quiz-container-2 .ays-live-bar-percent{\n                display:none;\n            }\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays_average {\n                text-align: center;\n            }\n            \n            \/* Music, Sound *\/\n            #ays-quiz-container-2 .ays_music_sound {\n                color:rgb(255,255,255);\n            }\n\n            \/* Dropdown questions scroll bar *\/\n            #ays-quiz-container-2 blockquote {\n                border-left-color: #ffffff !important;                                      \n            }\n\n            \/* Quiz Password *\/\n            #ays-quiz-container-2 .ays-start-page > input[id^='ays_quiz_password_val_'],\n            #ays-quiz-container-2 .ays-quiz-password-toggle-visibility-box {\n                width: 100%;\n            }\n\n\n            \/* Question hint *\/\n            #ays-quiz-container-2 .ays_question_hint_container .ays_question_hint_text {\n                background-color:#263f5f;\n                box-shadow: 0 0 15px 3px rgba(201,201,201,0.6);\n                max-width: 270px;\n            }\n\n            #ays-quiz-container-2 .ays_question_hint_container .ays_question_hint_text p {\n                max-width: unset;\n            }\n\n            #ays-quiz-container-2 .ays_questions_hint_max_width_class {\n                max-width: 80%;\n            }\n\n            \/* Information form *\/\n            #ays-quiz-container-2 .ays-form-title{\n                color:rgb(255,255,255);\n            }\n\n            \/* Quiz timer *\/\n            #ays-quiz-container-2 div.ays-quiz-redirection-timer,\n            #ays-quiz-container-2 div.ays-quiz-timer{\n                color: #ffffff;\n                text-align: center;\n            }\n\n            #ays-quiz-container-2 div.ays-quiz-timer.ays-quiz-message-before-timer:before {\n                font-weight: 500;\n            }\n\n            \/* Quiz title \/ transformation *\/\n            #ays-quiz-container-2 .ays-fs-title{\n                text-transform: none;\n                font-size: 28px;\n                text-align: center;\n                    text-shadow: none;\n            }\n            \n            \/* Quiz buttons *\/\n            #ays-quiz-container-2 .ays_arrow {\n                color:#ffffff!important;\n            }\n            #ays-quiz-container-2 input#ays-submit,\n            #ays-quiz-container-2 #ays_finish_quiz_2 .action-button,\n            div#ays-quiz-container-2 #ays_finish_quiz_2 .action-button.ays_restart_button,\n            #ays-quiz-container-2 + .ays-quiz-category-selective-main-container .ays-quiz-category-selective-restart-bttn,\n            #ays-quiz-container-2 .ays-quiz-category-selective-submit-bttn {\n                background: none;\n                background-color: #d50037;\n                color:#ffffff;\n                font-size: 18px;\n                padding: 14px 36px;\n                border-radius: 8px;\n                height: auto;\n                letter-spacing: 0;\n                box-shadow: unset;\n                width: auto;\n                border: unset;\n                min-height: unset;\n                line-height: normal;\n                text-shadow: unset;\n            }\n            #ays-quiz-container-2 input#ays-submit,\n            #ays-quiz-container-2 #ays_finish_quiz_2 input.action-button,\n            #ays-quiz-container-2 + .ays-quiz-category-selective-main-container .ays-quiz-category-selective-restart-bttn,\n            #ays-quiz-container-2 .ays-quiz-category-selective-submit-bttn {\n                \n            }\n\n            #ays-quiz-container-2 #ays_finish_quiz_2 .action-button.ays_check_answer {\n                padding: 5px 10px;\n                font-size: 18px !important;\n            }\n            #ays-quiz-container-2 #ays_finish_quiz_2 .action-button.ays_restart_button {\n                white-space: nowrap;\n                padding: 5px 10px;\n                white-space: normal;\n            }\n            #ays-quiz-container-2 input#ays-submit:hover,\n            #ays-quiz-container-2 input#ays-submit:focus,\n            #ays-quiz-container-2 #ays_finish_quiz_2 .action-button:hover,\n            #ays-quiz-container-2 #ays_finish_quiz_2 .action-button:focus,\n            #ays-quiz-container-2 + .ays-quiz-category-selective-main-container .ays-quiz-category-selective-restart-bttn:hover,\n            #ays-quiz-container-2 .ays-quiz-category-selective-submit-bttn:hover {\n                background: none;\n                box-shadow: 0 0 0 2px #ffffff;\n                background-color: #d50037;\n            }\n            #ays-quiz-container-2 .ays_restart_button {\n                color: #ffffff;\n            }\n            \n            #ays-quiz-container-2 .ays_restart_button_p,\n            #ays-quiz-container-2 .ays_buttons_div {\n                justify-content: center;\n            }\n\n            #ays-quiz-container-2 .ays_finish.action-button{\n                margin: 10px 5px;\n            }\n\n            #ays-quiz-container-2 .ays-share-btn.ays-share-btn-branded {\n                color: #fff;\n                display: inline-block;\n            }\n\n            #ays-quiz-container-2 .ays_quiz_results .ays-field.checked_answer_div.correct_div input:checked+label {\n                background-color: transparent;\n            }\n                        \n            \/* Question answers *\/\n            #ays-quiz-container-2 .ays-field {\n                    border-color: #ffffff;\n                    border-style: solid;\n                    border-width: 1px;\n                    box-shadow: none;\n            }\n\n            \/* Answer maximum length of a text field *\/\n            #ays-quiz-container-2 .ays_quiz_question_text_message{\n                color: #ffffff;\n                text-align: left;\n                font-size: 12px;\n            }\n\n            div#ays-quiz-container-2 div.ays_quiz_question_text_error_message {\n                color: #ff0000;\n            }\n            \n            #ays-quiz-container-2 .ays-quiz-answers .ays-field:hover{\n                opacity: 1;\n            }\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-field {\n                margin-bottom: 12px;\n            }\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-field.ays_grid_view_item {\n                width: calc(50% - 6px);\n            }\n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-field.ays_grid_view_item:nth-child(odd) {\n                margin-right: 6px;\n            }\n            \n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-field input:checked+label:before {\n                border-color: #d50037;\n                background: #d50037;\n                background-clip: content-box;\n            }\n            #ays-quiz-container-2 .ays-quiz-answers div.ays-text-right-answer {\n                color: #ffffff;\n            }\n            \n            \/* Questions answer image *\/\n            #ays-quiz-container-2 .ays-answer-image {\n                width:50%;\n            }\n            \n            \/* Questions answer right\/wrong icons *\/\n            #ays-quiz-container-2 .ays-field input~label.answered.correct:after{\n                content: '';          }\n            #ays-quiz-container-2 .ays-field input~label.answered.wrong:after{\n                content: '';\n            }\n            \/* Dropdown questions *\/            \n            #ays-quiz-container-2 #ays_finish_quiz_2 .ays-field .select2-container--default .select2-selection--single {\n                border-bottom: 2px solid #d50037;\n                background-color: #d50037;\n            }\n            \n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__placeholder,\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__rendered,\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__arrow {\n                color: #000000;\n            }\n\n            #ays-quiz-container-2 .select2-container--default .select2-search--dropdown .select2-search__field:focus,\n            #ays-quiz-container-2 .select2-container--default .select2-search--dropdown .select2-search__field {\n                outline: unset;\n                padding: 0.75rem;\n            }\n\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__rendered,\n            #ays-quiz-container-2 .select2-container--default .select2-results__option--highlighted[aria-selected] {\n                background-color: #d50037;\n            }\n\n            #ays-quiz-container-2 .ays-field .select2-container--default,\n            #ays-quiz-container-2 .ays-field .select2-container--default .selection,\n            #ays-quiz-container-2 .ays-field .select2-container--default .dropdown-wrapper,\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__rendered,\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__rendered .select2-selection__placeholder,\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__arrow,\n            #ays-quiz-container-2 .ays-field .select2-container--default .select2-selection--single .select2-selection__arrow b[role='presentation'] {\n                font-size: 16px !important;\n            }\n\n            #ays-quiz-container-2 .select2-container--default .select2-results__option {\n                padding: 6px;\n            }\n            \n            \/* Dropdown questions scroll bar *\/\n            #ays-quiz-container-2 .select2-results__options::-webkit-scrollbar {\n                width: 7px;\n            }\n            #ays-quiz-container-2 .select2-results__options::-webkit-scrollbar-track {\n                background-color: rgba(38,63,95,0.35);\n            }\n            #ays-quiz-container-2 .select2-results__options::-webkit-scrollbar-thumb {\n                transition: .3s ease-in-out;\n                background-color: rgba(255,255,255,0.55);\n            }\n            #ays-quiz-container-2 .select2-results__options::-webkit-scrollbar-thumb:hover {\n                transition: .3s ease-in-out;\n                background-color: rgba(255,255,255,0.85);\n            }\n\n            \/* Audio \/ Video *\/\n            #ays-quiz-container-2 .mejs-container .mejs-time{\n                box-sizing: unset;\n            }\n            #ays-quiz-container-2 .mejs-container .mejs-time-rail {\n                padding-top: 15px;\n            }\n\n            #ays-quiz-container-2 .mejs-container .mejs-mediaelement video {\n                margin: 0;\n            }\n\n            \/* Limitation *\/\n            #ays-quiz-container-2 .ays-quiz-limitation-count-of-takers {\n                padding: 50px;\n            }\n\n            #ays-quiz-container-2 div.ays-quiz-results-toggle-block span.ays-show-res-toggle.ays-res-toggle-show,\n            #ays-quiz-container-2 div.ays-quiz-results-toggle-block span.ays-show-res-toggle.ays-res-toggle-hide{\n                color: #ffffff;\n            }\n\n            #ays-quiz-container-2 div.ays-quiz-results-toggle-block input:checked + label.ays_switch_toggle {\n                border: 1px solid #ffffff;\n            }\n\n            #ays-quiz-container-2 div.ays-quiz-results-toggle-block input:checked + label.ays_switch_toggle {\n                border: 1px solid #ffffff;\n            }\n\n            #ays-quiz-container-2 div.ays-quiz-results-toggle-block input:checked + label.ays_switch_toggle:after{\n                background: #ffffff;\n            }\n\n            #ays-quiz-container-2.ays_quiz_elegant_dark div.ays-quiz-results-toggle-block input:checked + label.ays_switch_toggle:after,\n            #ays-quiz-container-2.ays_quiz_rect_dark div.ays-quiz-results-toggle-block input:checked + label.ays_switch_toggle:after{\n                background: #000;\n            }\n\n            \/* Hestia theme (Version: 3.0.16) | Start *\/\n            #ays-quiz-container-2 .mejs-container .mejs-inner .mejs-controls .mejs-button > button:hover,\n            #ays-quiz-container-2 .mejs-container .mejs-inner .mejs-controls .mejs-button > button {\n                box-shadow: unset;\n                background-color: transparent;\n            }\n            #ays-quiz-container-2 .mejs-container .mejs-inner .mejs-controls .mejs-button > button {\n                margin: 10px 6px;\n            }\n            \/* Hestia theme (Version: 3.0.16) | End *\/\n\n            \/* Go theme (Version: 1.4.3) | Start *\/\n            #ays-quiz-container-2 label[for^='ays-answer']:before,\n            #ays-quiz-container-2 label[for^='ays-answer']:before {\n                -webkit-mask-image: unset;\n                mask-image: unset;\n            }\n\n            #ays-quiz-container-2.ays_quiz_classic_light .ays-field input:checked+label.answered.correct:before,\n            #ays-quiz-container-2.ays_quiz_classic_dark .ays-field input:checked+label.answered.correct:before {\n                background-color: #d50037 !important;\n            }\n            \/* Go theme (Version: 1.4.3) | End *\/\n\n            #ays-quiz-container-2 .ays_quiz_results fieldset.ays_fieldset .ays_quiz_question .wp-video {\n                width: 100% !important;\n                max-width: 100%;\n            }\n\n            \/* Classic Dark \/ Classic Light *\/\n            \/* Dropdown questions right\/wrong styles *\/\n            #ays-quiz-container-2.ays_quiz_classic_dark .correct_div,\n            #ays-quiz-container-2.ays_quiz_classic_light .correct_div{\n                border-color:green !important;\n                opacity: 1 !important;\n                background-color: rgba(39,174,96,0.4) !important;\n            }\n            #ays-quiz-container-2.ays_quiz_classic_dark .correct_div .selected-field,\n            #ays-quiz-container-2.ays_quiz_classic_light .correct_div .selected-field {\n                padding: 0px 10px 0px 10px;\n                color: green !important;\n            }\n\n            #ays-quiz-container-2.ays_quiz_classic_dark .wrong_div,\n            #ays-quiz-container-2.ays_quiz_classic_light .wrong_div{\n                border-color:red !important;\n                opacity: 1 !important;\n                background-color: rgba(243,134,129,0.4) !important;\n            }\n            #ays-quiz-container-2.ays_quiz_classic_dark .ays-field,\n            #ays-quiz-container-2.ays_quiz_classic_light .ays-field {\n                text-align: left;\n                \/*margin-bottom: 10px;*\/\n                padding: 0;\n                transition: .3s ease-in-out;\n            }\n\n            #ays-quiz-container-2 .ays-quiz-close-full-screen {\n                fill: #ffffff;\n            }\n\n            #ays-quiz-container-2 .ays-quiz-open-full-screen {\n                fill: #ffffff;\n            }\n\n            #ays-quiz-container-2 .ays_quiz_login_form p{\n                color: #ffffff;\n            }\n\n            @media screen and (max-width: 768px){\n                #ays-quiz-container-2{\n                    max-width: 100%;\n                }\n\n                div#ays-quiz-container-2 [id^='ays_finish_quiz_'] div.step div.ays-abs-fs {\n                    width: 90%;\n                }\n\n                #ays-quiz-container-2 .ays_quiz_question p {\n                    font-size: 18px;\n                }\n\n                #ays-quiz-container-2 .select2-container,\n                #ays-quiz-container-2 .ays-field * {\n                    font-size: 16px !important;\n                }\n\n                div#ays-quiz-container-2 input#ays-submit,\n                div#ays-quiz-container-2 #ays_finish_quiz_2 .action-button,\n                div#ays-quiz-container-2 #ays_finish_quiz_2 .action-button.ays_restart_button,\n                #ays-quiz-container-2 + .ays-quiz-category-selective-main-container .ays-quiz-category-selective-restart-bttn,\n                #ays-quiz-container-2 .ays-quiz-category-selective-submit-bttn {\n                    font-size: 18px;\n                }\n\n                \/* Quiz title \/ mobile font size *\/\n                div#ays-quiz-container-2 .ays-fs-title {\n                    font-size: 22px;\n                }\n\n                \/* Question explanation \/ mobile font size *\/\n                #ays-quiz-container-2 .ays_questtion_explanation p {\n                    font-size:16px;\n                }\n\n                \/* Wrong answers \/ mobile font size *\/\n                #ays-quiz-container-2 .wrong_answer_text p {\n                    font-size:16px;\n                }\n\n                \/* Right answers \/ mobile font size *\/\n                #ays-quiz-container-2 .right_answer_text p {\n                    font-size:16px;\n                }\n\n                \/* Note text \/ mobile font size *\/\n                #ays-quiz-container-2 .ays-quiz-question-note-message-box p {\n                    font-size:14px;\n                }\n            }\n            \/* Custom css styles *\/\n            \n            \n            \/* RTL direction styles *\/\n            \n        <\/style>\n            <style>\n            \n            #ays-quiz-container-2.ays_quiz_rect_dark .ays-quiz-answers .ays-field:hover {\n                background: rgba(213,0,55,0.3);\n            }\n                #ays-quiz-container-2.ays_quiz_rect_dark .checked_answer_div{\n                    background: #d50037;\n                }\n            <\/style><script>\n                if(typeof aysQuizOptions === 'undefined'){\n                    var aysQuizOptions = [];\n                }\n                aysQuizOptions['2']  = 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