Many people dream of acquiring a property or a car and for that the negative consortium is one of the solutions. But, does this option exist? Is it worth it?

With more than 60 million people with a dirty name in the country, options that favor negatives are therefore the most sought after. But what to consider at this point? You can look for ways to clear the name or, if it is your priority, rely on options such as the consortium.

Therefore, to help you discover how this type of consortium works, which companies to apply for, the existing types and what precautions to take, we have prepared this post. Follow!

A consortium is basically a union of people for the purchase of a good. Therefore, each month, all participants pay their quota which becomes a savings towards the acquisition of the desired common good.

Then, after the period established for the contract, all participants have access to the initially contracted good or service.

The organization of consortia is the responsibility of management companies, supervised by the Central Bank. Since, the number of months and the total value of the letter that will give access to the good is agreed in advance by contract.

Above, we explained the consortium in general, but it does not differ from that granted to negatives.

So, customers with CPF in credit protection who have difficulties in obtaining financing and loans, can resort to the consortium, since contracting for negatives is much easier than the other modalities.

Having said what the consortium is, it is valid to say that each administrator offers several products for the customer to choose from, along with the number of installments and payment deadlines to make the customer more comfortable.

In addition to specific products, it is possible to request a consortium called a letter of credit, where money is offered instead of a previously stipulated good.

Then, after choosing the product, the group begins to pay the installments. Since it is divided between them, the management fee charged by the company.

The amounts paid by each customer form a reserve that is used to pay the value of the good so that each customer has access to it. Every month, the recipients are chosen at the meeting, by drawing lots or by bidding.

Therefore, if someone has a cash value to offer in the month and none of the customers offer a higher value, he is the one who will withdraw the good that month. Therefore, the bid amount is deducted in your installments from back to front.

Even though it takes longer to reach the good through the consortium, there are some advantages in this modality. Are they:

The consortium possibilities for negatives are countless. As well as the options of services and products that offer this modality, there are many. However, in some situations it is even more favorable to have this option.

If you want to buy a car, a property, have surgery or anything else that needs the financing amount, but can wait, this is the best option.

For example, someone who already has a car paid off but wants a new one. In this case, as it is not fully on foot, it is possible to wait for the consortium to enjoy the benefits it offers.

It is even possible to request that your name not be included in drawings and that your letter of credit be granted only at the end of the cycle.

Certainly the search for lower interest rates is one of the biggest searches of those who want to acquire a new asset. In that case, the consortium is the best option, even for those who are negative.

This is because the good is only delivered to the customer after the installments are all paid. Therefore, there are no risks to the administrator or the group. With this, interest can be exempt, not needing to cover risks.

The negative consortium is also a great option for those looking for a low installment. This is because with financing, due to the amount of interest, the amount ends up escaping the budget of many.

But, the consortium is the lowest installment option on the market. For example, good options for motorcycles such as Factor average 60 times R$ 220 and a car averages R$ 400 per share. While in a financing, with a down payment, the installment would be at least R$ 800.

Have you ever thought that after buying something like a house, car or business you might regret it halfway through? In this case, if you were in the middle of a loan, the bureaucracy to “get off that boat” and move on to another one is quite large.

There is no way to simply cancel the contract, you would need to sell the asset to someone who can take over the financing.

However, the consortium offers greater guarantees in this regard. So, if you regret it, you can cancel the contract and receive a letter of credit for the amount already paid by you. It's easy and hassle free. Therefore, it offers more assurance in case your plans change from one hour to the next.

With any call option, you make an agreement at the beginning and must hold until the end. But the consortium then offers some flexibility that becomes advantageous.

This is because the payment of this modality adjusts according to your financial situation. You then choose the number of installments, with an appropriate amount to pay.

But, if you are tight, it is possible to negotiate with the administrator. Or, if there is an amount left over in the month, it is possible to pay in advance or bid to try to acquire the item faster.

Have you ever had the feeling that you were spending a lot of money on superfluous things, but you couldn't keep it? The negative consortium is then a good option for you.

This is because you may not want the good in question, but it will therefore be forced savings. You will have a monthly commitment to pay and if you decide, you can take the amount at the end and spend it however you want.

Contrary to what many think, the consortium is not only used to acquire goods such as a car and a house. It also serves to hire services, pay for procedures, buy appliances and even save money.

If you are curious to know what it is possible to acquire with a consortium, see the list below with the most diverse possibilities existing in the market today for a negative consortium.

There are numerous options available for consortium today. Each one has different conditions and deadlines, but what they all have in common is: You can't want the good or service urgently.

If you can wait, the chances of making an excellent deal, with good installments and without interest are quite attractive.

And if you have already decided to opt for a negative consortium, but still have doubts about which company to choose for this procedure, we have a tip to help you.

Really the choice of a company for any financial service must be very careful. That's because, a wrong choice can then compromise all your investment and frustrate a dream.

Thinking about it, the Serasa eCred is a company that acts as a bridge between those who need a financial service and secure companies that offer this type of service.

The platform offers benefits such as:

To do this, simply access the site, update your registration with all your personal information and then the site will show you offers from partners available for your profile. It's easy, fast and secure. Meet some Serasa eCred partners that provide financial services for you:

Like every financial process, the negative consortium also requires some important care so that you don't fall into scams and don't regret it in the future.

If you have decided to form a consortium, know that it is essential not to sign the first contract. So take a good look and consider the tips below.

Well, so here you can see that it's not just those who have a clean name who can access financial solutions, right? So, whether to acquire a good, to make savings or to circumvent interest, the negative consortium is a great option.

But remember, therefore, that it is important to ensure that you will be able to sustain the contract, get to know the administrators and choose a reliable one, and guarantee all the precautions that we passed above so as not to fall into a “hole”.

Now yes, it's time to run to your consortium and guarantee the good of dreams. Of course, even if you get the consortium, you intend to clear your name, so it's important to know the best loans for this purpose!