Em tempos de dificuldade econômica, o consórcio é uma ótima alternativa para quem deseja comprar um bem sem pagar juros e não dispõe do dinheiro para pagar à vista. Se você se encontra em uma situação similar a essa e não tem urgência, o consórcio com certeza é indicado para você. Neste texto, vamos trazer algumas situações nas quais o consórcio pode ser a opção de investimento mais assertiva.

1 – Se você quer fugir dos juros

Muitas pessoas desejam comprar um bem, mas quando se deparam com as taxas de juros exorbitantes acabam desistindo. No consórcio, você paga apenas uma taxa de administração, que é o valor que a administradora do consórcio cobra para gerenciar os recursos e organizar os sorteios.

Na prática, ao ser contemplado você recebe a carta de crédito e tem a possibilidade de adquirir o bem à vista, fugindo de juros e ainda garantindo um poder de barganha na hora da compra.

2 – Se você pode esperar

Pelas características que já citamos, fica muito claro que o consórcio é uma forma de investimento indicada para quem pode esperar. Se você quer trocar de carro, por exemplo, vai pagar as parcelas do consórcio enquanto roda com seu veículo atual. Assim que for contemplado, poderá acessar a carta de crédito e adquirir o veículo à vista.

Além disso, você sabe no ato da assinatura do consórcio quantas parcelas irá pagar. Ao final desse pagamento, você tem a certeza de ter o retorno do valor investido, podendo fazer do consórcio uma poupança programada. A vantagem em relação a poupança é que você pode receber o valor total do investimento já no primeiro mês, basta ser contemplado no sorteio. Outra possibilidade é adiantar o recebimento na carta de crédito por lance, adiantando o pagamento das parcelas que faltam.

3 – Se você precisa aprender a controlar seus gastos

Se você tem dificuldade para guardar dinheiro, o consórcio pode ser a ponte entre você e seus sonhos. Ao adquirir o consórcio, você vai aprender a ter disciplina para poupar dinheiro, uma vez que terá o compromisso de pagar a parcela todo o mês. Além disso, como paga o consórcio para adquirir um bem de maior valor, você evita gastar dinheiro com tentações desnecessárias que podem aparecer todos os meses.

4. Se você procura parcelas baixas

Na Promenac Consórcio, você encontra consórcios de moto com parcelas a partir de R$ 167,53 por mês. No caso dos carros, a menor parcela gira em torno de R$ 495,00, valores bem abaixo dos geralmente praticados em caso de financiamento.

Ao analisar esses valores,mais uma vez fica claro o quanto o consórcio pode ser interessante para conquistar um bem importante para a sua vida pagando pouco a pouco por mês.

Gostou desse material e deseja conhecer os planos e valores da Promenac Consórcio? Clique aqui. Se você deseja tirar alguma dúvida com um de nossos consultores, pode fazer isso clicando aqui.

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