consórcio e o financiamento são, sem sombra de dúvida, as duas opções mais procuradas por quem pretende adquirir bens de valor mais alto e não possui dinheiro suficiente para fazer uma compra à vista.

E sim, é bem verdade que muita gente tem dúvida na hora de escolher entre uma opção e outra.

A decisão entre consórcio ou financiamento afeta de maneira direta o planejamento financeiro, isso porque depende do tempo que você pode esperar pelo bem que pretende adquirir e do quanto está disposto a pagar para transformar o seu sonho em realidade.

Antes de fechar negócio, é preciso avaliar o seu orçamento e saber com clareza qual das duas opções cabem no seu bolso e oferecem condições com mais vantagens para você.

No texto a seguir, explicamos como funciona o consórcio e o financiamento, para que você possa analisar e escolher a melhor opção, sem deixar a sua conta no vermelho.

Entenda como funciona o consórcio

Consórcio é como se fosse poupança, investimento e aquisição de bens e/ou serviços baseada na união de pessoas físicas, ou jurídicas, que formam grupos com objetivos parecidos.

A administradora é a empresa responsável por comandar todo o processo previsto no contrato do consórcio.

Todo mês é feita uma assembleia, que define o contemplado da vez.

Não há diferenciação entre os participantes, e você pode ser sorteado do primeiro ao último mês, a não ser que antecipe a contemplação oferecendo um lance.

consórcio é uma opção muito flexível.

Na Promenac Consórcio, você pode adquirir bens móveis, como carros e motos, fazer aquela planejada reforma na casa, tornar real a viagem dos sonhos, o intercâmbio, a festa de casamento, ou até mesmo, fazer cirurgia plástica e tratamentos ortodônticos.

E o financiamento?

Como a maioria das pessoas já sabe, o financiamento é uma compra parcelada, onde o valor total do bem, ou serviço, é dividido em um prazo estabelecido por contrato.

Ou seja, você paga um pouco da dívida a cada mês e, sobre o saldo devedor restante, são cobrados juros.

Ao contrário do consórcio — onde os próprios membros do grupo do consórcio se autofinanciam — no financiamento tradicional quem realiza a compra do imóvel ou do veículo é o banco.

Sendo assim, o banco intercede na realização dos projetos, cobrando juros e tarifas pelo serviço prestado e pelo crédito concedido.

Pagamento

Consórcio e financiamento possuem formas distintas de pagamento.

consórcio, por exemplo, não exige entrada, e as parcelas são pagas mensalmente, de acordo com o valor e o prazo estabelecidos na hora que você fecha o contrato.

O valor do consórcio pode ser diferente entre as administradoras, pois o percentual da taxa de administração de cada uma é diferente.

Para que você entenda melhor: a taxa de administração é a remuneração da administradora, usada para manter a infraestrutura funcionando e permitir a boa gestão dos recursos de todos os consorciados.

Agora, falando em financiamento…

Ele só é liberado se você atender às condições exigidas pela instituição na qual você está querendo o crédito, e isso inclui uma porção de documentos e comprovações.

Além disso, a maioria dos bancos pede que o cliente dê parte do valor do financiamento desejado como entrada, que nada mais é do que uma garantia de sua estabilidade financeira.

E como já falamos lá em cima, você paga um pouco do valor financiando a cada mês e, sobre o saldo devedor restante, são cobrados juros, o que deixa a sua conta final bem mais alta.

Considerações finais

Explicado o funcionamento do consórcio e financiamento, agora é você quem decide.

financiamento permite que você receba o bem desejado de imediato, assim que a operação é aprovada.

Sendo assim, o financiamento é mais indicado para quem tem pressa na aquisição do bem e/ou serviço.

Mas, não esquece que você pode pagar bem caro por essa “urgência”.

Antes de terminar a leitura, que tal relembrar os principais benefícios do consórcio?

– Transparência nas parcelas (você sabe exatamente o que está pagando)

– Baixo custo que, mesmo com taxas e seguro, ainda é inferior ao dos financiamentos;

– Parcelamento integral do bem, sem necessidade de entrada;

– Poder de negociação, já que a carta de crédito equivale ao pagamento à vista,

– Possibilidade de antecipar a contemplação dando um lance.

Na Promenac Consórcio, você pode receber a cotação do consórcio pretendido por telefone, ou , por meio de visita de um de nossos consultores em sua casa.

Se preferir, aqui mesmo em nosso site você pode conhecer nossos planos de consórcio.

Esperamos o seu contato!

Respostas de 195

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