{"id":22826,"date":"2021-05-27T04:08:39","date_gmt":"2021-05-27T04:08:39","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=22826"},"modified":"2021-05-27T18:17:07","modified_gmt":"2021-05-27T18:17:07","slug":"consorcio-vale-a-pena","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/en\/consorcio-vale-a-pena\/","title":{"rendered":"Consortium worth it?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-saiba-quando-um-cons%C3%B3rcio-vale-a-pena\">Know when a consortium is worth it<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Saiba quando vale a pena fazer um cons\u00f3rcio\"  id=\"22827\" src=\"https:\/\/ucarecdn.com\/edb42e13-30d1-4999-b9d7-a603fa960ff7\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Know when it&#039;s worth making a consortium<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>For those looking to acquire a high-value asset, there are some credit options that can be good ways to get there faster. One of the most common forms among Brazilians is the Consortium. But is a consortium really worth it?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So if you&#039;re wondering the same thing, don&#039;t worry! Because we have gathered in this article everything you will need about the consortium, its main characteristics, positive and negative points. Thus, at the end of your reading you will already have a better idea if this type of credit will be more advantageous in your case.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But first, how about we start by understanding the main characteristics of a consortium and how it works? That way, deciding a consortium is worth it will become much simpler, won&#039;t it?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So keep reading and check it out below!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-o-que-%C3%A9-um-cons%C3%B3rcio\">What is a consortium?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because to decide if a consortium is really worth it, let&#039;s start by talking more about it..<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Thus, in the case of the consortium, there is a lot of confusion with common financing. However, although the consortium fits as a type of financing, it has its own characteristics. So, it ends up being quite different from other types of financing, such as real estate, another type of financing most sought after by Brazilians.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, what will happen in a consortium is that many people \u2013 whether individuals or legal entities \u2013 will come together to acquire a high-value asset together. That is, the group acts as if it were a kind of savings account in order to be able to acquire high-value goods such as:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>automobiles;<\/li><li>varied services, such as travel, wedding parties, health procedures, etc.;&nbsp;<\/li><li>properties.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But the most popular types in Brazil are those aimed at buying cars and motorcycles, whether new or semi-new. In addition, there are even consortia for the acquisition of trucks, planes, for refurbishment, construction, etc.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, this union is under the responsibility of a Consortium Administrator who, like financial institutions, also needs the approval and supervision of the Central Bank of Brazil.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-quais-as-taxas-de-um-cons%C3%B3rcio\">What are the fees for a consortium?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Quais as taxas de um cons\u00f3rcio?\"  id=\"22828\" src=\"https:\/\/ucarecdn.com\/c2305af4-3d91-4bf9-8c8c-3faf77f244db\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >What are the fees for a consortium?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Common fund: the amount that all consortium members pay is used to form this fund. Thus, the monthly amount of the installments for the common fund is calculated through a percentage of the amount of credit that all contracted;<\/li><li>Administration fee: in this case, it is the fee that the consortium members will pay to the administrator, who will perform consortium management services;<\/li><li>Reserve fund: this fund is intended to protect the group, covering defaults and other expenses that may occur during the consortium;<\/li><li>Insurance: the insurance contract occurs to guarantee that the payment of the installments will continue in case of death or default of any insured member of the consortium.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But to decide whether a consortium is really worth it, understand that the fees that will appear in common among all consortium administrator options are just the administration fee and the common fund.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because the other fees vary according to the administrator you choose for your consortium.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-qual-a-vantagem-de-fazer-um-cons%C3%B3rcio-\">What is the advantage of making a consortium? <\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because a consortium is worth it when you take into account that the main advantage is not having to pay a down payment, as occurs, for example, in financing. In addition, there is no interest charge on consortium installments, yet another advantage!&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But there is also an advantage less known by people: the consortium will also be able to take advantage of its FGTS to pay off or amortize the debtor balance with the financial institution.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In addition, there is a wide variety of consortium administrator options, with varied offers of conditions for deadlines and credits. But there is also the advantage that you can make a consortium not only for the purchase of goods, but also to plan and purchase various other types of services, such as travel, for example.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-qual-a-desvantagem-de-fazer-um-cons%C3%B3rcio\">What are the disadvantages of making a consortium?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because sometimes a consortium is not worth it for a small detail. In short, one of the main disadvantages of the consortium is the appropriation of the high-value good, which does not occur immediately as in a financing. Thus, whoever hires a consortium will be able to acquire the good right at the beginning of the payment, or he will only be able to acquire it at the end of all the installments.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>That is, it may take a long time for you to gain access to the high-value good. Because it will depend on your luck during the payment of the installments and the various raffles that will always contemplate one of the members of the group.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Thus, you can be lucky enough to get the high-value good in one of the first draws, enjoying it already during the debt discharge. But there is also the possibility of paying all the installments without being drawn, and only receiving the good after repaying the debt.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In short, you can end up paying for everything without enjoying the good before paying off the full amount of the consortium.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-quando-o-cons%C3%B3rcio-vale-a-pena\">When is the consortium worth it?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Quando o cons\u00f3rcio vale a pena?\"  id=\"22829\" src=\"https:\/\/ucarecdn.com\/e9801fda-13f9-4210-a823-7f348440d1f0\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >When is the consortium worth it?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Thus, as we said, the consortium brings together a group of people who can be physical or legal, to acquire a good together. Then, all consortium participants will pay the installments divided by the number of people in the consortium, which has a Consortium Administrator to manage the entire process.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In this way, the value of the installments ends up becoming much smaller and the payment terms are easier for the customer. So, the consortium is worth it and can be a good choice for those who want to acquire a good with smaller installments and with chances of being able to acquire the good before the deadline.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because with the Consortium, draws take place monthly among the participating members. Then, one of them is chosen to take the good they were paying for before finalizing all the installments. Therefore, the consortium may end up being quite advantageous for you.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, a consortium is worthwhile and becomes a good option, when the person does not need to enjoy the good immediately, and is able to pay the installments in the long term in the meantime.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In addition, a consortium can be used for different purposes, such as goods and services. But you need to take some care if you have concluded that the consortium is worthwhile and you want to participate in one.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, check out our care tips below!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"6-tenha-um-bom-perfil-de-cr%C3%A9dito\">Have a good credit profile<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because to participate in a consortium, you will have to go through the credit assessment. So, if it is not a positive assessment, you may end up going to the end of the queue, and waiting until you pay off all the installments before enjoying the good.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2aLvgE\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/en\/serasa-promove-acao-para-quitar-dividas-em-2021\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Serasa promotes action for consumers to settle debts\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/4356d3d5-6503-4f29-b95f-2d53291d2b52\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/en\/serasa-promove-acao-para-quitar-dividas-em-2021\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Serasa promotes action for consumers to settle debts\">\n            Serasa promotes action for consumers to settle debts        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Serasa, in partnership with several companies, promotes an action for the consumer to settle debts in 2021. Discounts can reach 90%. Check out!\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/en\/serasa-promove-acao-para-quitar-dividas-em-2021\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/en\/serasa-promove-acao-para-quitar-dividas-em-2021\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/4356d3d5-6503-4f29-b95f-2d53291d2b52\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Serasa promotes action for consumers to settle debts              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/en\/serasa-promove-acao-para-quitar-dividas-em-2021\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain on the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"7-pesquise-sobre-a-administradora\">Search for admin<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>It is essential to know about the security and soundness of the administrator who will be responsible for the consortium. So, do a lot of research on the administrator beforehand. In addition, check with the Central Bank if you are a manager with authorization to act, if you do not have legal disputes, etc.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because then you will have the security to decide if that consortium is really worth it for you. So, research well and avoid fraud and headache, right?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"8-tenha-certeza-de-que-n%C3%A3o-h%C3%A1-urg%C3%AAncia\">Make sure there is no urgency<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As we said, one of the characteristics of a consortium is the possibility that you can take a long time to enjoy the good you want to acquire. That is, a consortium is only worthwhile for you, if there really is no urgency to own the good at the moment.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, make sure you don&#039;t need it now, and that you can eventually wait until the end of the full amount of the consortium, before purchasing. So you avoid despair and disappointment for not being drawn soon and being without the good you want, for a long time and sometimes until the end of the consortium.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"9-agora-pesquise-bem-e-s%C3%B3-inicie-um-cons%C3%B3rcio-ao-ter-certeza-de-que-vale-a-pena\">Now, research well and only start a consortium when you&#039;re sure it&#039;s worth it<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Agora, pesquise bem e s\u00f3 inicie um cons\u00f3rcio ao ter certeza de que vale a pena\"  id=\"22830\" src=\"https:\/\/ucarecdn.com\/4c18c4e4-228c-47cd-8074-f1252f48891f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Now, research well and only start a consortium when you&#039;re sure it&#039;s worth it<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Basically, summarizing everything we&#039;ve said so far, for a consortium to be something worthwhile, you need to meet three basic characteristics:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>He has no money to buy the good he wants in cash;<\/li><li>There is also no urgency to acquire and enjoy the good now or soon;<\/li><li>Finally, having a profile that you wouldn&#039;t be able to save that amount alone every month or invest in an application.<\/li><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because the consortium ends up acting as a kind of reserve or investment, but with the obligation that you deposit that amount every month to pay off the consortium installments.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, if you fit this profile with these main characteristics, you will probably find that a consortium is worth it! But remember to take the precautions we talked about earlier, okay?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, always research everything you can about the administrator responsible for the consortium before closing any contract. Also, check your credit score and be sure that you will be able to pass a credit assessment, so you don&#039;t end up incurring losses by being prevented from participating in sweepstakes during the consortium.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Because, as we said, those who have a bad credit score will not be able to acquire the good before paying off the total value of the consortium. Thus, a consortium may not be a worthwhile option in these cases.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"10-conclus%C3%A3o\">Conclusion<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So we&#039;ve reached the end of our exclusive article with everything you need to know about consortia and whether it&#039;s worth participating in one. Now, take all the information you learned here with us, and do a good research before entering into any consortium agreement, ok?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Thus, we hope that it will be easier for you to decide if a consortium is what is worthwhile for you, and all the characteristics that involve a contract of this type. Because if you know how to research and make a good consortium agreement, you can end up doing very well and taking good in the first installments, or not.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, keep an eye on all the conditions, fees, tariffs, advantages, disadvantages, who is the administrator, etc, ok?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, we hope this article will be of benefit to you in that regard, and even more!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1DQJWR\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/en\/consorcio-para-negativado\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Is there a Consortium for negatives?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/72a46fd3-2f07-4db4-9e6b-983aa908d1cc\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/en\/consorcio-para-negativado\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Is there a Consortium for negatives?\">\n            Is there a Consortium for negatives?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Did you know that it is possible to hold a consortium even though it is negative? 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Read and learn more about!<\/p>","protected":false},"author":15,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[38,36],"tags":[173,172,174,231,65,61],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cons\u00f3rcio vale a pena? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Um cons\u00f3rcio vale a pena se voc\u00ea n\u00e3o tem pressa de j\u00e1 ter o bem agora, mas n\u00e3o tem o valor para pagar \u00e0 vista. 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