Ao entrar para um consórcio, você terá, com certeza, escolhido um plano com parcelas ideais para o seu bolso. Entretanto, sabemos que, por se tratar de um investimento a longo prazo, alguns imprevistos podem acontecer durante o trajeto. O que fazer, então, se você atrasar a prestação do consórcio? Escrevemos este post com dicas para que você consiga sair dessa situação e conquistar seu sonho o mais rápido possível.
As parcelas
O consórcio é conhecido pela enorme vantagem de ser econômico, pois as parcelas não contam com juros.
O cálculo do valor das parcelas é feito pela divisão do valor total da carta de crédito – que equivale ao valor do bem ou serviço escolhido – pelo total de meses a serem pagos, mais a taxa de administração.
Consequências do atraso
Ao atrasar o pagamento, o consorciado fica impedido de participar dos sorteios mensais até que consiga regularizar novamente suas parcelas.
Portanto, tente manter seu pagamento em dia. Já pensou perder um sorteio que poderia ser o seu momento de conquistar aquele tão sonhado bem? Que chato, não é mesmo?
O consorciado também fica impedido de dar o lance na assembleia, além de ter de arcar com juros de 1% ao mês, podendo até ser excluído do grupo após cinco parcelas em atraso.
Restabelecendo direitos
Se você faz parte de um de nossos grupos e não vai mesmo conseguir realizar o pagamento das suas parcelas, ligue pra gente que vamos lhe ajudar a encontrar uma solução. Podemos negociar o valor as parcelas, diminuindo o valor da sua carta, entre outros.
Na Consórcios Digital, você tem assistência até o final do plano.
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Quer conquistar seus sonhos com economia e facilidade? Simule sem juros e sem entrada: consorcios.digital
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