{"id":13607,"date":"2024-08-14T16:05:11","date_gmt":"2024-08-14T19:05:11","guid":{"rendered":"https:\/\/www.agenteimovel.com.br\/noticias\/?post_type=ufaq&#038;p=13607"},"modified":"2025-07-07T19:38:57","modified_gmt":"2025-07-07T22:38:57","slug":"o-que-faz-um-correspondente-bancario","status":"publish","type":"ufaq","link":"https:\/\/larya.com.br\/blog\/ufaq\/o-que-faz-um-correspondente-bancario\/","title":{"rendered":"O que faz um correspondente banc\u00e1rio?"},"content":{"rendered":"<div  class=\"ewd-ufaq-faq-list ewd-ufaq-page-type-distinct ewd-ufaq-category-tabs-\" id='ewd-ufaq-faq-list'>\n\n\t<input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' \/>\n<input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' \/>\n<input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' \/>\n<input type='hidden' name='orderby' value='title' id='ewd-ufaq-orderby' \/>\n<input type='hidden' name='order' value='asc' id='ewd-ufaq-order' \/>\n<input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' \/>\n<input type='hidden' name='current_url' value='\/blog\/wp-json\/wp\/v2\/ufaq\/13607' id='ewd-ufaq-current-url' \/>\n\t\n\t\n\t<div class='ewd-ufaq-faqs'>\n\n\t\t<div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-13607-DRvLKpMEmo' data-post_id='13607'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >A<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tO que faz um correspondente banc\u00e1rio?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\tFinanciamento Imobili\u00e1rio\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p class=\"\" data-start=\"502\" data-end=\"902\"><strong data-start=\"502\" data-end=\"544\">1. O que \u00e9 um correspondente banc\u00e1rio?<\/strong><br data-start=\"544\" data-end=\"547\" \/>Um <strong data-start=\"550\" data-end=\"577\">correspondente banc\u00e1rio<\/strong> \u00e9 uma pessoa f\u00edsica ou jur\u00eddica autorizada por uma institui\u00e7\u00e3o financeira para oferecer <strong data-start=\"666\" data-end=\"710\">servi\u00e7os banc\u00e1rios de forma terceirizada<\/strong>. Ele atua como uma ponte entre o banco e o cliente, principalmente em regi\u00f5es onde n\u00e3o h\u00e1 ag\u00eancia f\u00edsica ou para facilitar o acesso a produtos como cr\u00e9dito, financiamento e abertura de conta.<\/p>\n<hr class=\"\" data-start=\"904\" data-end=\"907\" \/>\n<p class=\"\" data-start=\"909\" data-end=\"1044\"><strong data-start=\"909\" data-end=\"964\">2. O que faz um correspondente banc\u00e1rio na pr\u00e1tica?<\/strong><br data-start=\"964\" data-end=\"967\" \/>Entre os principais servi\u00e7os prestados por um correspondente banc\u00e1rio, est\u00e3o:<\/p>\n<ul data-start=\"1046\" data-end=\"1410\">\n<li class=\"\" data-start=\"1046\" data-end=\"1123\">\n<p class=\"\" data-start=\"1048\" data-end=\"1123\">Simula\u00e7\u00f5es e propostas de <strong data-start=\"1074\" data-end=\"1121\">financiamento imobili\u00e1rio e cr\u00e9dito pessoal<\/strong><\/p>\n<\/li>\n<li class=\"\" data-start=\"1124\" data-end=\"1192\">\n<p class=\"\" data-start=\"1126\" data-end=\"1192\">Recolhimento e envio de <strong data-start=\"1150\" data-end=\"1166\">documenta\u00e7\u00e3o<\/strong> para an\u00e1lise de cr\u00e9dito<\/p>\n<\/li>\n<li class=\"\" data-start=\"1193\" data-end=\"1229\">\n<p class=\"\" data-start=\"1195\" data-end=\"1229\">Abertura de contas simplificadas<\/p>\n<\/li>\n<li class=\"\" data-start=\"1230\" data-end=\"1266\">\n<p class=\"\" data-start=\"1232\" data-end=\"1266\">Recebimento de boletos e faturas<\/p>\n<\/li>\n<li class=\"\" data-start=\"1267\" data-end=\"1350\">\n<p class=\"\" data-start=\"1269\" data-end=\"1350\"><strong data-start=\"1269\" data-end=\"1302\">Consultoria financeira b\u00e1sica<\/strong> sobre produtos oferecidos pelo banco parceiro<\/p>\n<\/li>\n<li class=\"\" data-start=\"1351\" data-end=\"1410\">\n<p class=\"\" data-start=\"1353\" data-end=\"1410\">Acompanhamento do processo at\u00e9 a assinatura do contrato<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"1412\" data-end=\"1415\" \/>\n<p class=\"\" data-start=\"1417\" data-end=\"1742\"><strong data-start=\"1417\" data-end=\"1487\">3. Qual \u00e9 a diferen\u00e7a entre um correspondente banc\u00e1rio e um banco?<\/strong><br data-start=\"1487\" data-end=\"1490\" \/>O correspondente <strong data-start=\"1507\" data-end=\"1525\">n\u00e3o \u00e9 um banco<\/strong>: ele apenas representa o banco em algumas opera\u00e7\u00f5es autorizadas. Ele <strong data-start=\"1595\" data-end=\"1609\">n\u00e3o decide<\/strong> sobre a aprova\u00e7\u00e3o de cr\u00e9dito, mas <strong data-start=\"1644\" data-end=\"1668\">intermedia e auxilia<\/strong> no processo. A responsabilidade final sempre \u00e9 da institui\u00e7\u00e3o financeira.<\/p>\n<hr class=\"\" data-start=\"1744\" data-end=\"1747\" \/>\n<p class=\"\" data-start=\"1749\" data-end=\"2094\"><strong data-start=\"1749\" data-end=\"1821\">4. Correspondente banc\u00e1rio pode atuar com financiamento imobili\u00e1rio?<\/strong><br data-start=\"1821\" data-end=\"1824\" \/>Sim. Muitos atuam especificamente como <strong data-start=\"1863\" data-end=\"1905\">correspondentes banc\u00e1rios imobili\u00e1rios<\/strong>, auxiliando clientes a encontrar as melhores op\u00e7\u00f5es de cr\u00e9dito para a compra de im\u00f3veis. Eles fazem a simula\u00e7\u00e3o, coleta de documentos e acompanham a libera\u00e7\u00e3o do financiamento com o banco.<\/p>\n<hr class=\"\" data-start=\"2096\" data-end=\"2099\" \/>\n<p class=\"\" data-start=\"2101\" data-end=\"2406\"><strong data-start=\"2101\" data-end=\"2176\">5. \u00c9 poss\u00edvel ser correspondente da Caixa Econ\u00f4mica, Santander ou Ita\u00fa?<\/strong><br data-start=\"2176\" data-end=\"2179\" \/>Sim. Diversos bancos mant\u00eam programas para <strong data-start=\"2222\" data-end=\"2246\">correspondente Caixa<\/strong>, <strong data-start=\"2248\" data-end=\"2280\">correspondente banc\u00e1rio Ita\u00fa<\/strong>, <strong data-start=\"2282\" data-end=\"2295\">Santander<\/strong> e outros. Cada um tem crit\u00e9rios espec\u00edficos de credenciamento, incluindo certifica\u00e7\u00f5es e an\u00e1lise de reputa\u00e7\u00e3o.<\/p>\n<hr class=\"\" data-start=\"2408\" data-end=\"2411\" \/>\n<p class=\"\" data-start=\"2413\" data-end=\"2637\"><strong data-start=\"2413\" data-end=\"2462\">6. O correspondente banc\u00e1rio recebe comiss\u00e3o?<\/strong><br data-start=\"2462\" data-end=\"2465\" \/>Sim. O correspondente banc\u00e1rio <strong data-start=\"2496\" data-end=\"2544\">ganha comiss\u00e3o sobre cada opera\u00e7\u00e3o conclu\u00edda<\/strong>, como a libera\u00e7\u00e3o de cr\u00e9dito, assinatura de financiamento ou venda de um produto financeiro.<\/p>\n<hr class=\"\" data-start=\"2639\" data-end=\"2642\" \/>\n<p class=\"\" data-start=\"2644\" data-end=\"2715\"><strong data-start=\"2644\" data-end=\"2699\">7. Como posso me tornar um correspondente banc\u00e1rio?<\/strong><br data-start=\"2699\" data-end=\"2702\" \/>Voc\u00ea precisa:<\/p>\n<ul data-start=\"2717\" data-end=\"2965\">\n<li class=\"\" data-start=\"2717\" data-end=\"2752\">\n<p class=\"\" data-start=\"2719\" data-end=\"2752\">Ter CNPJ e regulariza\u00e7\u00e3o fiscal<\/p>\n<\/li>\n<li class=\"\" data-start=\"2753\" data-end=\"2823\">\n<p class=\"\" data-start=\"2755\" data-end=\"2823\">Obter uma certifica\u00e7\u00e3o (como a <strong data-start=\"2786\" data-end=\"2820\">FEBRABAN \u2013 Resolu\u00e7\u00e3o CMN 3.954<\/strong>)<\/p>\n<\/li>\n<li class=\"\" data-start=\"2824\" data-end=\"2909\">\n<p class=\"\" data-start=\"2826\" data-end=\"2909\">Estabelecer contrato com uma institui\u00e7\u00e3o financeira autorizada pelo Banco Central<\/p>\n<\/li>\n<li class=\"\" data-start=\"2910\" data-end=\"2965\">\n<p class=\"\" data-start=\"2912\" data-end=\"2965\">Passar por treinamento espec\u00edfico do banco parceiro<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"2967\" data-end=\"3149\">A LARYA tamb\u00e9m atua com parceiros que querem operar como <strong data-start=\"3035\" data-end=\"3069\">colaboradores de financiamento<\/strong>. Saiba mais <a target=\"_new\" rel=\"noopener\" data-start=\"3082\" data-end=\"3148\">aqui<\/a>.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;13607&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Avalie este artigo&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;O que faz um correspondente banc\u00e1rio?&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 20.8px\">\n            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-tags'>\n\t\n\tTags:\t\n\t\n\t\tCorrespondente Banc\u00e1rio, \n\t\n\t\tCr\u00e9dito Imobili\u00e1rio, \n\t\n\t\tEmpr\u00e9stimo Imobili\u00e1rio, \n\t\n\t\tFinanciamento, \n\t\n\t\tFinanciamento de Im\u00f3veis, \n\t\n\t\tFinanciamento Imobili\u00e1rio, \n\t\n\t\tHipoteca, \n\t\n\t\tMercado Imobili\u00e1rio\n\t\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/o-que-faz-um-correspondente-bancario\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n\t<\/div>\n\n\t\n<\/div>","protected":false},"excerpt":{"rendered":"<p>A O que faz um correspondente banc\u00e1rio? Category: Financiamento Imobili\u00e1rio 1. O que \u00e9 um correspondente banc\u00e1rio?Um correspondente banc\u00e1rio \u00e9 uma pessoa f\u00edsica ou jur\u00eddica autorizada por uma institui\u00e7\u00e3o financeira para oferecer servi\u00e7os banc\u00e1rios de forma terceirizada. Ele atua como uma ponte entre o banco e o cliente, principalmente em regi\u00f5es onde n\u00e3o h\u00e1 ag\u00eancia&#8230;<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":52,"comment_status":"open","ping_status":"closed","template":"","meta":{"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":""},"ufaq-category":[2506],"ufaq-tag":[2521,2522,2523,2518,2519,2520,2524,2525],"class_list":["post-13607","ufaq","type-ufaq","status-publish","hentry","ufaq-category-financiamento-imobiliario","ufaq-tag-correspondente-bancario","ufaq-tag-credito-imobiliario","ufaq-tag-emprestimo-imobiliario","ufaq-tag-financiamento","ufaq-tag-financiamento-de-imoveis","ufaq-tag-financiamento-imobiliario","ufaq-tag-hipoteca","ufaq-tag-mercado-imobiliario"],"aioseo_notices":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/ufaq\/13607","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/ufaq"}],"about":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/types\/ufaq"}],"author":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/users\/52"}],"replies":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/comments?post=13607"}],"wp:attachment":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media?parent=13607"}],"wp:term":[{"taxonomy":"ufaq-category","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/ufaq-category?post=13607"},{"taxonomy":"ufaq-tag","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/ufaq-tag?post=13607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}