Você achou o carro que tanto queria, porém, na hora de fechar negócio esbarrou na análise de score, e com isso, teve o crédito negado por não ter a pontuação necessária.

Pode ser certeza que a história acima não é exclusividade sua, muita gente enfrenta a mesma situação.

E se você chegou até aqui é porque quer encontrar um jeito de comprar o carro que tanto sonhou.

Para começar, vamos entender certinho o que é o score de crédito.

score é uma pontuação atribuída a cada consumidor.

Os bancos utilizam essa pontuação como análise de risco para a inadimplência.

Na prática, funciona assim:

Quando você se mostra interessado em comprar um carro, por exemplo, a financeira analisa qual a probabilidade de você se tornar um inadimplente, ou não, ao entrar no financiamento.

Quanto menor o score, mais dificuldade de aprovação o cliente terá.

Como saber se meu escore é baixo?

Essa pergunta é fácil de ser respondida.

O seu score é considerado baixo se você falhou em critérios relacionados a inadimplência nos últimos 12 meses corridos.

E quais critérios são esses?

A solução para a compra do carro com score baixo

Para conquistar um bom crédito de financiamento, o ideal é ter um score acima de 750 pontos, podendo variar de acordo com o banco escolhido.

Caso tenha o score baixo, é bem provável que você tenha que oferecer uma entrada maior para tentar conseguir o financiamento.

Aí nesse caso, também é provável que, mesmo dando um valor de entrada, o banco conceda o crédito desejado com juros mais altos, pois ele está considerando um maior risco de inadimplência, justamente pela avaliação de seu score.

Mas, se conseguir dinheiro para a entrada seja algo fora do seu orçamento, ou, se quer fugir dos juros altos, a melhor saída é o consórcio.

Usando a modalidade de consórcio para comprar seu carro próprio, você tem vários benefícios.

Um deles é estar livre de juros, isso porque no consórcio não são cobrados juros e sim taxa administrativas que é muito inferior aos juros cobrados pelas financeiras. Assim, você economiza bastante e garante parcelas mais baixas do que no financiamento.

Outra grande vantagem é que você pode entrar no consórcio sem precisar oferecer entrada. Basta pagar a primeira parcela para ativar seu plano, manter suas parcelas em dia e esperar os sorteios, que são feitos todos os meses.

No consórcio, o parcelamento é facilitado.

Geralmente, no financiamento, o prazo máximo de parcelamento é de 60 meses. Já no consórcio, dependendo do caso, é possível aumentar esse prazo de pagamento e garantir parcelas de menor valor.

Além disso,no consórcio tem menos burocracia.

Comparado com o financiamento, a liberação do crédito acaba sendo mais simples e rápida.

Por fim…

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.

Por isso, caso esteja com o score baixo para financiar um carro, o nosso conselho é não desanimar e nem perder tempo.

Confira os planos de consórcio da Promenac e veja qual deles melhor se encaixa no seu orçamento.

E se restou alguma dúvida sobre consórcio, é só nos chamar aqui pelo site, ou, por telefone.

A equipe de consultores da Promenac Consórcio está pronta para ajudar você.

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