The consortium is a modality that has gained more and more strength in the financial market, gaining followers and helping many Brazilians to achieve their achievements and invest money in a safe and efficient way. As an extremely flexible product, the use of the solution can vary, always according to the needs and budget of each client.
In constant growth, according to data from the Brazilian Association of Consortium Administrators (ABAC), indicates that in the accumulated period from January to June, business in the sector reached more than R$ 144 billion, 20.4 percent above that recorded in the same period. 2022 period - the modality ended the first half of this year with a historical record of more than 60 years of existence.
Known mainly as a tool for the acquisition of goods such as light and heavy vehicles, real estate, agricultural machinery, and various services, the consortium, due to its versatility, has also become increasingly used as a form of investment. In this context, it is already possible to observe a growth in the contracting of quotas aiming at investment security since the modality offers low-risk and interest-free returns.
Among the various forms of investment offered by the category is, for example, the acquisition of properties for real estate retirement, from which, with the consideration of the quota, the consortium member acquires a property and places it for rental, thus earning extra income for life. Another form of investment possible through this modality is the sale of the covered letter, a practice that has gained popularity among consortium members.
In this scenario, the contemplated client receives the release of the letter to purchase the good; however, he chooses to sell it, with a good profit margin, to a buyer who is in a greater hurry to use the credit.
"As an extremely flexible product, the use of the solution can vary, always according to the needs and budget of each client."
Given such information and explanations, it is no coincidence that the product has been on the market for more than half a century and that it still occupies a prominent place when it comes to planning and financial security. It is also worth remembering that the consortium, in addition to all the advantages mentioned above, also offers the customer to update the credit until contemplation, in accordance with INPC and INCC, which guarantees the client's purchasing power and a more stable income, compared to other types of investment available on the market.
Last but not least, it must be said that the financial modality fits into different realities and economic needs, making it possible, from the purchase of a new car to the option of making a profit to supplement one's income, meeting and democratizing access to credit and encouraging Brazilians' financial planning and investment, thus increasing the quality of life of each consortium member.
