{"id":9427,"date":"2023-04-13T23:00:00","date_gmt":"2023-04-13T23:00:00","guid":{"rendered":"https:\/\/senhorcartao.com\/?p=9427"},"modified":"2023-04-12T20:00:13","modified_gmt":"2023-04-12T20:00:13","slug":"diferenca-tan-taeg","status":"publish","type":"post","link":"https:\/\/senhorcartao.com\/en\/diferenca-tan-taeg\/","title":{"rendered":"What is the Difference between TAN and APR: unlock the secrets of loans!"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-foi-atingido-pelas-taxas-de-juros-saiba-diferenciar-a-tan-da-taeg\">Got hit by interest rates? Know how to differentiate the TAN from the APR!<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"576\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_573715600-1024x576.jpeg\" alt=\"Pilha de moedas crescendo com desenhos de setas e rendimentos\" class=\"w-full object-cover object-center border mx-auto wp-image-9467\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_573715600-1024x576.jpeg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_573715600-300x169.jpeg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_573715600-768x432.jpeg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_573715600-1536x864.jpeg 1536w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_573715600-2048x1152.jpeg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >After all, do you know the difference? Source: AdobeStock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>If you want to make better decisions regarding different types of financing, from personal loans to credit cards and loans, it is essential to understand the difference between APR and TAN!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>This is because these are the two rates that organize the interest rate values of all financing. However, each rate has its own particularity and works in a specific way.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-26LOqF\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/en\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"What are the types of home loan rates? Find out how they work \">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/tipos-de-taxa-de-credito-habitacao-1.jpg\" alt=\"pessoa com uma chave nas m\u00e3os\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/en\/tipos-de-taxa-de-credito-habitacao\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"What are the types of home loan rates? Find out how they work \">\n            What are the types of home loan rates? Find out how they work         <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            There are basically 3 types of home loan rates, with different characteristics and benefits for the consumer. Therefore, knowing them is essential before closing a deal.         <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcartao.com\/en\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorcartao.com\/en\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/tipos-de-taxa-de-credito-habitacao-1.jpg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                What are the types of home loan rates? Find out how\u2026              <\/p>\n              <a href=\"https:\/\/senhorcartao.com\/en\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain on the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, there may be different charges for a loan based on TAN and another based on APR. Therefore, this is one of the fundamental elements for you to make good financing choices.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But first, do you know what each acronym means? The TAN is the Nominal Annual Rate! Meanwhile, APR is the Global Effective Annual Rate! Do you want to know and understand more about how they impact your credit? Keep reading!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-fatores-a-considerar-para-pedir-credito\">Factors to consider when applying for credit<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Firstly, if you are looking for some type of personal credit, it is worth paying attention to other facts besides the interest rate and the charges that come with the TAN and the APR!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, firstly, it is important to consider whether you really need that money or whether there is some other way to get what you want, be it a home, car or some type of service.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Also, check if it is not possible to pay with a savings account or card. In many cases, card rates may end up being more attractive. Furthermore, confirm that the financial entity is registered to offer credit!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-fatores-a-considerar-para-pedir-um-cartao\">Factors to consider when applying for a card<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"683\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_574181446-1024x683.jpeg\" alt=\"Mulher confusa olhando para notebook\" class=\"w-full object-cover object-center border mx-auto wp-image-9468\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_574181446-1024x683.jpeg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_574181446-300x200.jpeg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_574181446-768x512.jpeg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_574181446-1536x1024.jpeg 1536w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_574181446-2048x1365.jpeg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Find out how to consider fees! Source: AdobeStock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In fact, more and more banks and financial institutions offer advantages and benefits when signing up for a specific credit card. So, take into account some factors besides the rate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Think, for example, what the benefits are, such as cashback and whether the return values have the potential to offset the interest expenses charged by the bank&#039;s service!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Furthermore, it is important to take the full context of both the card and the loan, when relating the information to your reality and interest when acquiring this credit!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-porque-a-tan-e-taeg-existem-e-como-funcionam\">Why do TAN and APR exist and how do they work?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Don&#039;t forget that you&#039;re the one who pays the TAN and APR! This happens because the interest rate is like the price you are paying to use the service and for keeping the institution&#039;s money. In other words, it&#039;s the bank&#039;s profit!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Furthermore, other issues will influence the amount of interest, in addition to the type of rate. Thus, there is the question of the value of the amount, the term, the type of credit and the price that the institution itself establishes for its services!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-qual-e-a-diferenca-entre-a-tan-e-a-taeg\">What is the difference between TAN and APR?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"684\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_579875386-1024x684.jpeg\" alt=\"M\u00e3o digitando em calculadora\" class=\"w-full object-cover object-center border mx-auto wp-image-9469\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_579875386-1024x684.jpeg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_579875386-300x200.jpeg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_579875386-768x513.jpeg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_579875386-1536x1025.jpeg 1536w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_579875386-2048x1367.jpeg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >So, understand the difference! Source: AdobeStock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>It is worth emphasizing that, both in a personal or housing loan, as in a credit card, the TAN and the APR apply!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, only by understanding the difference and the function of each rate is it possible to make the best decision. This is because this is the only way to see the full value of that service!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, without further ado, let&#039;s see in detail what each of the interest rates is about!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-o-que-e-a-taeg\">What is the APR?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As we have already shown, the APR is the Global Effective Annual Charge Rate and is directly related to the total cost of the loan. In other words, it is the percentage that the customer must pay in relation to the amount obtained.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>The APR is calculated by including all mandatory insurance, interest, additional tax expenses, registrations and financial transactions. And it also includes loan commissions and any other type of charge.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>On the other hand, the APR does not take into account some fees such as: early repayment commissions; notary costs; amounts payable due to non-compliance by the contracting party (that is, yours).<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1jYkug\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/en\/fundos-investimento-imobiliario\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Everything about Real Estate Investment Funds\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/Tudo-sobre-Fundos-de-investimento-imobiliario.jpg\" alt=\"imagem com duas pessoas segurando uma chave de uma casa em m\u00e3os ao pesquisar tudo sobre fundos imobili\u00e1rios\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/en\/fundos-investimento-imobiliario\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Everything about Real Estate Investment Funds\">\n            Everything about Real Estate Investment Funds        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Do you want to know everything about real estate investment funds? So you are in the right place. Check out, today, how they work and the advantages of betting on them!         <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcartao.com\/en\/fundos-investimento-imobiliario\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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It is a simple fee, charged annually on financial transactions. In other words, it is defined only as the interest on any type of monetary loan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Thus, despite being charged annually, it can be calculated according to the type of loan: semi-annual, annual or even quarterly.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Furthermore, the main definition of the TAN is that it does not have any type of additional tax incorporated, nor other credit charges. So, be careful when comparing loans using just this as a basis!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-cuidados-com-a-diferenca-da-tan-e-taeg-ao-comparar-os-emprestimos\">Be careful with the difference in TAN and APR when comparing loans!<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, it can be said that the biggest difference between the TAN and the APR are the additional charges and charges to the interest on some type of loan. For this reason, note that in contracts the value of the TAN is lower than the APR.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In other words, always prioritize comparing the APR! This is because, often, a bank&#039;s TAN may even be lower. But, when comparing other fees, the total amount may end up being higher!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, in loan situations with the same term, amount, modality and repayment conditions, the proposal with the lowest APR will be the cheapest for you!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-conheca-mais-plataforma-linha-valor\">Find out more: Linha Valor Platform<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Now that you better understand the difference between TAN and APR, are you ready to find that ideal loan for you? Furthermore, there are platforms that can help you find the best path.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, we present to you Linha Valor, a digital marketing platform that works as a search and comparison center on the internet. This way, the website will present you with consolidated credit options.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>This is a great way to get rid of your credit debts by negotiating them with other institutions! So, if you want to understand more about how the platform works, you can check out our review!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Access the link below and don&#039;t waste time to spend less on the interest on your outstanding loan debts!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1iFBhW\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/en\/conheca-plataforma-linha-valor\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Linha Valor Platform: how does it work?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/03\/2-7.jpg\" alt=\"M\u00e3o colocando moeda em monte\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/en\/conheca-plataforma-linha-valor\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Linha Valor Platform: how does it work?\">\n            Linha Valor Platform: how does it work?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Do you want to obtain consolidated credit? 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By finding out all the details you will get the cheapest loan offer for you!<\/p>","protected":false},"author":8,"featured_media":9466,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[9,8,58],"tags":[1936,1937,651],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Qual a Diferen\u00e7a entre TAN e TAEG: desbloqueie os segredos dos empr\u00e9stimos! - Senhor Cart\u00e3o<\/title>\n<meta name=\"description\" content=\"Conhece a diferen\u00e7a entre TAN e TAEG? 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