Before talking about the Caixa car consortium, it is important to mention that when we talk about buying a new car, we think about financing! This is the thinking of the vast majority of Brazilians. However, the increase in interest rates on traditional financing makes the automobile consortium much more interesting for those who want to drive a brand new or semi-new car. 

In this way, the Caixa consortium comes with great news and advantages for its customers, in addition to having zero bureaucracy and accepting negatives. So that everyone can fulfill the dream of having their own car, Caixa releases credits for everyone. All this without interest and with up to 80 months to pay. 

Get to know Caixa's car consortium now!

Firstly, before going after a financing or loan with very high interest rates, understand how the consortium works and see how advantageous the Caixa consortium is.

The consortium system works as a form of joint purchase, that is, a group of people come together with the aim of acquiring a good, in this case, a car. From then on, everyone pays a certain amount per month for a car to be raffled off and thus a partner receives the contemplation.

Speaking of contemplation, this moment is when a member of the consortium receives his good or the equivalent amount through the famous letter of credit. In other words, when you are contemplated, you can count on the value to buy your car of the model and brand you want.

At Caixa, contemplation takes place through a raffle or bids. Added to this, there is no interest in the Caixa consortium.

When it comes to car consortium, the credit amounts that the bank releases are not informed. It is worth remembering that regardless of the amount, with a period of 80 installments to pay, the monthly fees are very affordable.

Caixa Econômica Federal has a lot of credibility in the market. In this context, the Caixa consortium is the only one that makes up to half of the letter of credit available to enter a bid. That is, you can anticipate the contemplation of the consortium even if you do not have the necessary amount at the moment.

In addition, the limit for buying a car is very good and meets the objectives of most Brazilians who want to buy a car. 

Another very important point to emphasize is that Caixa does not charge interest. This is because, as all members pay the installments monthly along with the administrative fee, there is no need to charge more to cover other expenses.

With the Caixa car consortium, the customer can buy any car model they prefer, as long as it really is a car. In this sense, the only limitation of this modality is that the car consortium is for buying a brand new car or with up to 8 years of use.

The main rule at the Caixa consortium is that interested parties must be over 18 years of age to purchase a share. This is because this is a national requirement for signing contracts.

One tip is that you have a full sense of your financial situation before entering this purchase mode, as it is necessary to keep payments up to date to be contemplated.

A very interesting way to ensure commitment is to have long-term financial planning, so that payments will not be late. 

The Caixa car consortium hiring process is very simple, just go to the bank's website and immediately run a simulation. From then on, you already have, in real values, information on how the payments will be until the end of the consortium period. 

From there, it is possible to buy a consortium quota online, without the need to go to an agency and face those endless queues. Another very important detail: to be contemplated, you cannot have late payments, so keep everything up to date.

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