Sem dúvida, a contemplação é o momento mais aguardado do consórcio. É quando o consorciado passará a ter a carta de crédito em mãos, podendo adquirir a tão sonhada casa própria, por exemplo. Além da contemplação por sorteio, o consórcio também oferece a possibilidade de lance.
Para dar aquele lance vencedor, é preciso prestar atenção a alguns detalhes. Pensando em você separamos algumas dicas de como acertar no valor da proposta. Vamos te ajudar a realizar o seu sonho com rapidez e economia!
Acerte na escolha do grupo
Antes de entrar no consórcio, com a ajuda do vendedor, escolha um grupo apropriado para o valor que você está disposto a dar o lance. Você pode fazer isso analisando a média histórica de lances de cada grupo para saber qual se encaixa melhor à sua realidade financeira.
Fique de olho no calendário
Boa parte dos consorciados não planeja com muita antecedência quando dará o próximo lance, agindo, consequentemente, por impulso. Há épocas menos favoráveis para dar lances, enquanto outras são mais propensas à contemplação.
Por exemplo: o mês de dezembro tende a ser mais competitivo, pois é quando o 13° é disponibilizado; os meses de fevereiro e março tendem a ser menos competitivos, por conta do Carnaval e despesas do fim e começo do ano, como: natal, IPTU, IPVA, material escolar, etc.
Calcule quanto adicionar
Outro ponto importante é a análise dos lances vencedores nos meses anteriores.
A partir do momento em que você percebeu como se comportam os consorciados e que já tem um entendimento sobre os valores que são ofertados, você terá uma média e poderá ofertar um valor um pouco maior.
FGTS como lance
Outro aspecto que muitos desconhecem é a utilização do fundo de garantia como lance. Isso mesmo! Ele pode ser usado como lance na aquisição de imóveis. Ele é um forte aliado para a realização do seu sonho da casa própria.
Essas estratégias podem lhe ajudar a fazer a oferta mais adequada, mas é importante lembrar que a contemplação não é garantida, pois ainda depende de outras variáveis, como os outros consorciados, que também podem estar se planejando de maneira semelhante à sua.
Agora que você já conhece as estratégias necessárias para aumentar as suas chances de ser contemplado, entre em contato com a gente e faça seu consórcio!
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