Que tal se livrar do transporte público e adquirir o próprio carro ou moto?

Ou, quem sabe, tornar realidade aquela viagem dos sonhos?

Imagino quantas contas você já deve ter feito para chegar ao seu objetivo.

Mas, antes de desistir, saiba: a chance de alcançar a meta, por mais impossível que pareça, está num negócio chamado consórcio.

E é sobre consórcio que falaremos no artigo a seguir.

Tire as suas dúvidas sobre a modalidade de compra mais considerada nos dias de hoje, justamente pela simplicidade e viabilidade.

Como funciona o consórcio?

consórcio não é nenhuma novidade, existe desde a década de 1960.

Talvez o que muita gente não saiba, é que ele foi criado no Brasil, e daqui, ganhou outros países.

Quando falamos em consórcio, estamos nos referindo a uma modalidade de compra – formada pela união de pessoas físicas e/ou jurídicas – para adquirir um bem, ou, um serviço.

É como se fosse um autofinanciamento (que vem tornando real o sonho de muita gente), a diferença é que, no consórcio, não há taxas e valores abusivos e aquelas parcelas que a gente perde de vista.

Os integrantes do grupo de consórcio pagam um valor todos os meses, formando, assim, uma poupança comum para a compra do bem, ou, serviço.

E aí, a cada mês (conforme o prazo determinado em contrato) um ou mais consorciados são contemplados com uma carta de crédito – por meio de sorteio ou lance – e adquirem o direito de comprar seu bem, ou, contratar o serviço desejado.

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.

Sobre a adesão ao plano

Quando assina o contato com a administradora do consórcio, você escolhe o plano que atende melhor as suas necessidades.

É na assinatura do contrato que serão definidos o número de parcelas, o custo mensal das parcelas do consórcio e o valor total da carta de crédito.

Também na assinatura do contrato, você recebe um número que será a sua “identidade” durante todas as assembleias.

Assembleias e sorteios

Para realizar a primeira assembleia do consórcio, a administradora precisa ter o número mínimo de adesões, daí em diante, as reuniões ocorrem todos os meses.

Existem duas maneiras de você ser contemplado na assembleia: a partir de sorteio ou de lance.

Independente disso, saiba que até o fim do contrato, todos os consorciados do grupo vão receber a carta de crédito.

No sorteio, todos os participantes têm a mesma probabilidade de contemplação.

E esses sorteios acontecem nas assembleias gerais ordinárias conforme as regras do contrato.

Lances

Quem não quiser depender somente da sorte tem a opção dos lances, que podem ser livres, fixos ou embutidos.

No lance livre, o participante do consórcio pode escolher o valor que deseja ofertar, enquanto no fixo, é a administradora de consórcio quem estabelece o valor em contrato.

Já no lance embutido, você dá como lance parte do valor da carta de crédito na qual você tem direito.

O limite do lance embutido é de até 20% do valor total da sua carta de crédito e você abre mão de parte do valor da carta que tem direito.

Exemplo: supondo que a sua carta de crédito seja de R$ 100 mil e você ofereça 20% de lance embutido. Se o maior lance em percentual for o seu, você recebe a carta de crédito no valor de R$ 80 mil e não mais de R$ 100 mil.

Os lances funcionam como leilões, onde aqueles que oferecem o maior valor percentual em relação a sua carta de crédito levam o bem.

Na Promenac Consórcio, você tem ainda a opção de dar o seu carro ou moto como lance, mediante avaliação prévia.

Neste caso, você só entrega o bem oferecido na retirada da carta de crédito.

Importante: Se o seu lance não for o vencedor, não é preciso efetuar o pagamento oferecido. O pagamento do lance só ocorre caso a oferta seja a vencedora da assembleia.

Fui contemplado, e agora?

Chegou o grande momento, aquele em que o consorciado é contemplado e passa a ter o direito de usar a carta de crédito para fazer a sua compra.

Assim que o cliente é contemplado, a administradora tem até 24 horas úteis para entrar em contato avisando sobre a contemplação.

Caso o consorciado tenha sido contemplado por meio de lance, um boleto será gerado no valor do lance para que ele efetive o pagamento e possa ter direito a receber a sua carta de crédito

Com a carta de crédito, você pode escolher o bem, ou, serviço que deseja adquirir, desde que esteja dentro da categoria do seu grupo.

O crédito vale como dinheiro à vista, sendo assim, o contemplado tem maior poder de negociação no momento da compra.

Você vai comprar o bem à vista e continuar pagando as prestações previstas no contrato do consórcio, simples assim.

Procure uma administradora de confiança

O sucesso do seu consórcio, e por consequência, da realização do seu sonho, depende muito da administradora que você vai escolher.

Antes de assinar o contrato, pesquisa sobre a administradora.

O primeiro passo é saber se ela é autorizada pelo Banco Central para exercer tal função.

É o Banco Central que fiscaliza e autoriza a atividade no setor de consórcios.

Depois, vale aquela velha e certeira pesquisa de boca a boca.

Procure se informar com clientes antigos e atuais da administradora sobre seu nível de qualidade e de confiança no atendimento.

Por fim…

Agora que você já sabe como funciona um consórcio, nós podemos te ajudar a realizar o seu sonho.

Venha nos fazer uma visita!

Será um prazer apresentar pessoalmente os nossos serviços.

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