When considering purchasing assets, many Brazilians are faced with a common question: is it worth joining a consortium? This type of shared purchase has gained prominence, especially due to its flexibility and the possibility of long-term planning. Thus, in 2023, the consortium market reached an impressive milestone with almost 2 million new quotas sold, reflecting its growing popularity.
But what makes a consortium an attractive option? Firstly, it differs from traditional financing in that it does not require a down payment or interest, making it a more economical alternative. Consortium participants contribute monthly to a common fund, which will be used to purchase goods by its members. This collaborative approach makes it possible to plan the purchase of cars, real estate and even services, such as renovations and surgeries, in a more affordable way.
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Strategies to be considered faster in the consortium
An important aspect of the consortium is the contemplation, which can occur through a draw or a bid. Although the draw depends on luck, there are strategies to increase your chances more quickly. One of them is to offer higher bids. These bids, which are additional amounts to the monthly payment, can significantly speed up the contemplation process. In addition, choosing smaller groups can be a smart tactic, as it reduces competition and can increase your chances of success.
Understanding how it works
To participate in a consortium, it is essential to understand how it works. The process begins with the formation of a group, managed by a bank or specialized financial institution. Therefore, the members contribute regularly to the common fund and, monthly, one or more participants receive a letter of credit. This letter allows the acquisition of the desired asset, following the rules established by the group.
In short, a consortium is a viable option for those seeking to acquire assets in a planned and economical way. With appropriate strategies and a good understanding of the system, it can be an effective way to make dreams come true without compromising financial health.
