O consórcio é um autofinanciamento sem juros e 100% parcelado, conhecido por ser um investimento eficiente, fácil, econômico e muito vantajoso, só vantagem! Por conta disso, apresentou em 2017 um crescimento de 7% no número de adesão, enquanto o financiamento, por exemplo, apresentou queda de 7,4% no mesmo ano.
Pois é, os consumidores estão mudando: agora, fazem contas e substituem a compra impulsiva pela planejada, o que explica o crescimento da preferência pelo consórcio.
Os custos e vantagens do consórcio
Como qualquer produto, o consórcio também possui custos, que podem ser menores ou semelhantes a outras formas de aquisição de bens e serviços. Mas é um fato que, ao compararmos esse investimento com o financiamento, os custos do consórcio apresentam uma enorme vantagem, pois os custos muito menores. Por exemplo: no caso de uma taxa de administração de 14,22% em um plano de consórcio de 60 meses, o resultado dessa taxa diluída nas parcelas mensais será de 0,25% a.m., bem inferior a financiamentos bancários cujas taxas variam de 1,5% a 3,5% a.m..
É uma baita vantagem financeira, não é mesmo? Mas, não podemos resumir o consórcio apenas a isso: ele deve ser analisado por outros aspectos além da velha matemática financeira, pois apresenta diversas outras vantagens.
O consórcio é o melhor investimento para você que tem dificuldade em poupar dinheiro para alcançar seus objetivos. Para não perder a chance de ser contemplado, o consorciado se vê obrigado a pagar as parcelas em dia, criando um compromisso com aquele depósito mensal; até o final do contrato, um grande valor terá sido guardado.
Além disso, esse investimento auxilia no planejamento da sua compra de produtos, serviços e no planejamento do seu fluxo de caixa, com prestações reduzidas que impactam menos no seu orçamento.
E tem mais…
Outra vantagem importante é o fato de, ao ser sorteado ou contemplado, o consorciado recebe em mãos a carta de crédito com o valor total do bem que escolheu. Ou seja, ela equivale a dinheiro à vista, possibilitando a negociação daquele famoso desconto, olha que legal!
Viu como consórcio não se resume apenas a vantagens econômicas? Ele te ajuda a criar disciplina financeira, auxilia no planejamento da sua compra de bens e ainda apresenta poder de compra à vista. Não perca mais tempo, realize seu sonho com a gente!
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