Conheça as vantagens e como ele pode auxiliar na sua contemplação.

Dentre todas as características que buscam facilitar a compra de um cliente do consórcio, o lance embutido é uma das principais. É uma forma de dar acesso às pessoas que planejam ser contempladas pelo lance mas não dispõem de um valor para isso. Confira abaixo as vantagens do lance embutido e como ele funciona dentro do consórcio.

Como é o lance embutido

Para ilustrar melhor nossa conversa, vamos usar como exemplo o consórcio de veículos, ok?

Certo, partimos do princípio de que no consórcio você adquire uma carta de crédito para comprar o carro. Para ter acesso a essa carta de crédito, no entanto, você precisa primeiro ser contemplado. Essa é a regra principal e que rege todos os consórcios pelo país.

O lance embutido é atrelado à carta de crédito, aquela que você escolheu no começo do plano de consórcio. Se você optar por essa modalidade, lembre-se que o valor do lance será descontado direto da carta.

Por exemplo, a sua carta é de R$ 100 mil. Você pode usar até 30% dela para ofertar um lance embutido, o equivalente a R$ 30 mil. Se você ofertar um lance embutido de 30% e for aprovado, irá dispor de R$ 70 mil para comprar o seu carro, e não R$ 100 mil. Como dissemos antes, o lance foi descontado do total da carta de crédito.

Quais as vantagens do lance embutido?

Antes de mais nada, lhe oferecer mais uma oportunidade de ser contemplado no seu plano de consórcio. É ideal para quem tem pressa na contemplação do consórcio e não tem nenhum valor de lance para ofertar.

O lance embutido também pode ser usado para endossar um lance que você queira fazer. Isso quer dizer que você não precisa juntar tanto dinheiro se quiser atingir a contemplação pelo lance, pois o lance embutido lhe dá esse “empurrãozinho”.

Seria algo como “Já tenho R$ 15 mil e preciso de mais R$ 15 mil para inteirar o meu lance”. Ora, use o lance embutido, por que não? Você conseguirá ter o seu carro mais rápido dessa forma!

E as vantagens do lance embutido não param por aí! Caso o seu lance seja o vencedor, você poderá usar esse valor para pagar suas parcelas que estão para vencer (da última para a primeira).

Caso você queira diminuir suas parcelas e manter o prazo, o lance é dividido pelo número de parcelas que têm a vencer e esse valor será abatido de cada uma. Em uma conta bem simples, seria algo como 10 parcelas a vencer em um lance de R$ 3 mil. Você teria R$ 300 diminuído das suas parcelas (R$ 3 mil ÷ 10 parcelas = R$ 300 por parcela).

Viu só como as vantagens do lance embutido são feitas pensando exclusivamente no consorciado? O consórcio foi criado com esse propósito, o de facilitar a compra de pessoas merecedoras como você!

Faça o seu consórcio

Tantos outros benefícios estão lhe esperando, você não tem ideia! Aproveite para iniciar a compra do seu carro e realizar o seu sonho sem precisar sair de casa ou ter muita burocracia!

FONTE: Jornal do Consórcio

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