{"id":44753,"date":"2021-12-02T12:00:00","date_gmt":"2021-12-02T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=44753"},"modified":"2021-12-02T11:39:15","modified_gmt":"2021-12-02T11:39:15","slug":"consorcio-de-veiculo","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/consorcio-de-veiculo\/","title":{"rendered":"Ce este un consor\u021biu de vehicule \u0219i cum func\u021bioneaz\u0103?"},"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>Consor\u021biul poate fi o alternativ\u0103 bun\u0103 pentru cei care doresc s\u0103 cumpere o ma\u0219in\u0103 nou\u0103 sau s\u0103 schimbe vehicule.<\/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=\"Afinal, o que \u00e9 um cons\u00f3rcio de ve\u00edculo? Fonte: Pexels.\"  id=\"44756\" src=\"https:\/\/cdn.adtechpanda.com\/512a4380-8dd5-438b-bf6d-09a9c09cd03a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >La urma urmei, ce este un consor\u021biu de vehicule? Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, un consor\u021biu de vehicule poate fi o op\u021biune foarte viabil\u0103 pentru oricine dore\u0219te s\u0103 cumpere o ma\u0219in\u0103. \u00cen acest sens, exist\u0103 c\u00e2teva variabile de care trebuie s\u0103 \u021bii cont \u00eenainte de a te abona la serviciu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest fel, am adus aici con\u021binut complet pentru ca dvs. s\u0103 c\u00e2nt\u0103ri\u021bi argumentele pro \u0219i contra ale consor\u021biului de vehicule \u0219i s\u0103 decide\u021bi dac\u0103 este ideal pentru situa\u021bia dvs. A\u0219adar, continu\u0103 s\u0103 cite\u0219ti \u0219i vezi dac\u0103 acest tip de credit te poate ajuta.<\/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>Consor\u021biul de vehicule: ce este \u0219i cum func\u021bioneaz\u0103?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dac\u0103 visezi s\u0103-\u021bi cumperi sau s\u0103-\u021bi schimbi vehiculul, consor\u021biul auto poate fi o alternativ\u0103 bun\u0103. De altfel, cu ratele ridicate ale dob\u00e2nzilor la finan\u021bare, aceasta poate fi cea mai viabil\u0103 modalitate de a achizi\u021biona acest activ. Dar, oricum, ce este un consor\u021biu?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ei bine, un consor\u021biu nu este altceva dec\u00e2t o modalitate de credit colaborativ. \u00cen acest sens, unele persoane cu acela\u0219i obiectiv se reunesc \u0219i fiecare pl\u0103te\u0219te o parte din bunul implicat, care ar putea fi o ma\u0219in\u0103, o c\u0103l\u0103torie sau un serviciu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De altfel, spre deosebire de un \u00eemprumut sau o finan\u021bare \u00een care iei banii \u0219i apoi trebuie s\u0103 pl\u0103te\u0219ti cu dob\u00e2nd\u0103, \u00een consor\u021biu pl\u0103te\u0219ti mai \u00eent\u00e2i banca \u0219i apoi retragi activul \u00een numerar. Cu toate acestea, ave\u021bi \u0219i op\u021biunea de a fi selectat \u00eentr-o tombol\u0103 \u0219i de a primi ma\u0219ina sau serviciul mai devreme. \u00cen acest caz, trebuie s\u0103 continua\u021bi s\u0103 pl\u0103ti\u021bi ratele ulterior.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, pentru ca consor\u021biul de vehicule s\u0103 func\u021bioneze, grupul de persoane trebuie s\u0103 se pun\u0103 de acord asupra modelului \u0219i num\u0103rului de rate ale ma\u0219inii. Pentru aceasta, se semneaz\u0103 un contract de c\u0103tre to\u021bi \u0219i un administrator de consor\u021biu ac\u021bioneaz\u0103 ca intermediar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, dac\u0103 nu vrei s\u0103 a\u0219tep\u021bi s\u0103 fii extras \u0219i s\u0103 prime\u0219ti ma\u0219ina, po\u021bi licita, de parc\u0103 ar fi o licita\u021bie. Astfel, cine licita cea mai mare valoare ajunge s\u0103 ia vehiculul sau bunul acas\u0103.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1sheyr\">\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\/ro\/comprar-carro-com-nome-sujo\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 cumperi o ma\u0219in\u0103 cu un nume murdar?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/e5d4dfb5-25c9-4010-963b-6f97cbd2e43e\/\" 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\/ro\/comprar-carro-com-nome-sujo\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 cumperi o ma\u0219in\u0103 cu un nume murdar?\">\n            Cum s\u0103 cumperi o ma\u0219in\u0103 cu un nume murdar?        <\/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            \u0218tia\u021bi c\u0103 este posibil s\u0103 cump\u0103ra\u021bi o ma\u0219in\u0103 cu un nume murdar? Consulta\u021bi cele mai bune sfaturi pentru achizi\u021bionarea ma\u0219inii de vis chiar acum.        <\/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\/ro\/comprar-carro-com-nome-sujo\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <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\/ro\/comprar-carro-com-nome-sujo\/\"  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\/e5d4dfb5-25c9-4010-963b-6f97cbd2e43e\/\">          \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                Cum s\u0103 cumperi o ma\u0219in\u0103 cu un nume murdar?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/comprar-carro-com-nome-sujo\/\"  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                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/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<h2>Care sunt avantajele \u0219i dezavantajele unui consor\u021biu de vehicule?<\/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=\"Ent\u00e3o, quais as vantagens e as desvantagens? Fonte: Pexels.\"  id=\"44757\" src=\"https:\/\/cdn.adtechpanda.com\/c80b63cb-f85a-4e48-a91a-e1f46b1b7000\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Deci, care sunt avantajele \u0219i dezavantajele? Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, ideea unui consor\u021biu este practic ca un cont de economii. \u00cen acest fel, un grup de persoane care decid pentru acela\u0219i bun \u0219i un num\u0103r prestabilit de rate, se reunesc pentru a ob\u021bine suma total\u0103. Cu toate acestea, exist\u0103 aspecte pozitive \u0219i negative pe care trebuie s\u0103 le lua\u021bi \u00een considerare atunci c\u00e2nd decide\u021bi s\u0103 face\u021bi parte dintr-un consor\u021biu. Vezi mai jos!<\/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>Beneficii<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, cel mai atractiv avantaj al unui consor\u021biu de vehicule este costurile reduse ale modalit\u0103\u021bii de credit. Apropo, dac\u0103 compara\u021bi consor\u021biul cu alte modalit\u0103\u021bi, ve\u021bi vedea c\u0103 merit\u0103 foarte mult deoarece costurile lui sunt mai mici. Asta pentru c\u0103 administratorul consor\u021biului percepe doar o tax\u0103 de administrare, adic\u0103 nu exist\u0103 dob\u00e2nd\u0103 pentru consor\u021biul de vehicule!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, pl\u0103ti\u021bi \u0219i ratele care v\u0103 \u00eencap \u00een buzunar. Adic\u0103 \u00eenainte de a semna contractul alegi modelul vehiculului, precum \u0219i num\u0103rul \u0219i valoarea ratelor pe care vrei s\u0103 le pl\u0103te\u0219ti. Astfel, nu ri\u0219ti s\u0103 te \u00eendatorezi \u0219i s\u0103 nu po\u021bi continua s\u0103 pl\u0103te\u0219ti.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, este important s\u0103 informa\u021bi c\u0103 ve\u021bi retrage bunul la vedere. Aceasta \u00eenseamn\u0103 c\u0103 ve\u021bi avea o scrisoare de credit cu suma total\u0103 de pl\u0103tit pentru vehicul. Astfel, pute\u021bi negocia reduceri cu reprezentan\u021ba pentru pl\u0103\u021bile \u00een numerar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen cele din urm\u0103, pute\u021bi participa \u00een consor\u021bii cu un termen lung de plat\u0103, ajung\u00e2nd p\u00e2n\u0103 la 72 de rate. Cu toate acestea, dac\u0103 dori\u021bi s\u0103 retrage\u021bi \u0219i \u00eenc\u0103 nu a\u021bi fost inclus \u00een tragere la sor\u021bi, v\u0103 pute\u021bi recupera banii.<\/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>Dezavantaje<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ei bine, exist\u0103 \u0219i c\u00e2teva puncte negative atunci c\u00e2nd face\u021bi un consor\u021biu. A\u0219adar, este important s\u0103 ai grij\u0103 s\u0103 nu fii prins prin surprindere dup\u0103 semnarea contractului. S\u0103 vorbim mai jos despre c\u00e2teva dezavantaje ale modalit\u0103\u021bii de credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, pute\u021bi pl\u0103ti \u00eentregul consor\u021biu \u0219i pute\u021bi c\u00e2\u0219tiga extragerea doar \u00een ultima lun\u0103. Astfel, exist\u0103 riscul de a dura ceva mai mult pentru a v\u0103 ridica vehiculul. Merit\u0103 s\u0103 ne amintim c\u0103 exist\u0103 \u0219i alte modalit\u0103\u021bi de a-\u021bi cump\u0103ra ma\u0219ina, cum ar fi finan\u021barea, de exemplu. Chiar dac\u0103 pl\u0103ti\u021bi dob\u00e2nd\u0103, pute\u021bi retrage imediat vehiculul.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, este important s\u0103 acorda\u021bi aten\u021bie pl\u0103\u021bii ratelor. Dac\u0103 am\u00e2na\u021bi prea multe pl\u0103\u021bi la r\u00e2nd, este posibil s\u0103 fi\u021bi exclus din grup. \u00cen plus, dac\u0103 a\u021bi fost deja avut \u00een vedere \u0219i \u00eent\u00e2rzia\u021bi pl\u0103\u021bile, administratorul consor\u021biului poate cere s\u0103 v\u0103 sechestreze vehiculul!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen cele din urm\u0103, banii de la consor\u021biul contractat nu vor fi depu\u0219i \u00een contul dumneavoastr\u0103. Apropo, aminti\u021bi-v\u0103 c\u0103 acesta este un tip de credit care este diferit de un \u00eemprumut. Adic\u0103 nu ve\u021bi putea folosi banii \u00een alt scop dec\u00e2t ceea ce este \u00een contract. Prin urmare, dac\u0103 ave\u021bi nevoie de bani pentru orice urgen\u021b\u0103 financiar\u0103, este mai bine s\u0103 apela\u021bi la un alt tip de credit.<\/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>Cum se face un consor\u021biu de vehicule?<\/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=\"Ent\u00e3o, como fazer? Fonte: Pexels.\"  id=\"44758\" src=\"https:\/\/cdn.adtechpanda.com\/5061b078-27d3-40cd-966c-dbe01ce079a4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Deci cum se face? Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, trebuie s\u0103 alege\u021bi o companie bun\u0103 de gestionare a consor\u021biului. Astfel, pute\u021bi accesa site-ul B\u0103ncii Centrale \u0219i pute\u021bi verifica lista administratorilor care sunt autoriza\u021bi \u00een acest domeniu. \u00cen acest sens, o companie bun\u0103 va gestiona corect banii t\u0103i, astfel \u00eenc\u00e2t toat\u0103 lumea s\u0103-\u0219i retrag\u0103 banii a\u0219a cum s-a convenit \u00een contract.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ei bine, la semnarea contractului te vei al\u0103tura unui grup de consor\u021biu de vehicule. De altfel, v\u0103 pute\u021bi al\u0103tura unui grup care este deja \u00een desf\u0103\u0219urare sau chiar unul care nu a \u00eenceput. Dar nu v\u0103 face\u021bi griji, nu vor fi pagube.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, trebuie doar s\u0103 \u00eencepe\u021bi s\u0103 v\u0103 pl\u0103ti\u021bi ratele \u0219i s\u0103 a\u0219tepta\u021bi s\u0103 fi\u021bi inclus \u00een extragerea lunar\u0103. De asemenea, este important s\u0103 re\u021bine\u021bi c\u0103 pute\u021bi licita, ca la licita\u021bie, pentru a v\u0103 \u00eembun\u0103t\u0103\u021bi \u0219ansele de c\u00e2\u0219tig, dar acest lucru este complet op\u021bional.<\/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>M\u0103suri de precau\u021bie pe care ar trebui s\u0103 le lua\u021bi atunci c\u00e2nd face\u021bi un consor\u021biu de vehicule<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, trebuie s\u0103 ave\u021bi o grij\u0103 special\u0103 atunci c\u00e2nd decide\u021bi s\u0103 face\u021bi un consor\u021biu de vehicule pentru a evita orice probleme \u0219i b\u0103t\u0103i de cap cu ma\u0219ina dvs. \u00cen primul r\u00e2nd, asigura\u021bi-v\u0103 c\u0103 sunte\u021bi preg\u0103tit financiar s\u0103 v\u0103 angaja\u021bi o parte din buget pentru plata ratelor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest sens, dup\u0103 cum sa men\u021bionat deja, neplata ratelor sau \u00eent\u00e2rzierea achit\u0103rii mai multor rate \u00een succesiune poate duce la excluderea dumneavoastr\u0103 din grup sau la confiscarea ma\u0219inii dumneavoastr\u0103. A\u0219a c\u0103 asigur\u0103-te c\u0103 te po\u021bi angaja.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, asigura\u021bi-v\u0103 de modelul de ma\u0219in\u0103 pe care dori\u021bi s\u0103-l cump\u0103ra\u021bi. Face\u021bi multe cercet\u0103ri \u00eenainte de a c\u0103uta administratorul consor\u021biului \u0219i de a semna contractul. Astfel, ma\u0219inile genereaz\u0103 costuri precum \u00eentre\u021binere, IPVA, asigur\u0103ri, printre altele. Prin urmare, este important s\u0103 cerceta\u021bi \u00een prealabil pentru a v\u0103 asigura c\u0103 v\u0103 pute\u021bi permite \u0219i aceste cheltuieli.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen cele din urm\u0103, a\u0219a cum am spus mai sus, asigura\u021bi-v\u0103 c\u0103 face\u021bi afaceri cu o companie de renume! Prin urmare, cerceta\u021bi, c\u0103uta\u021bi informa\u021bii pe site-ul B\u0103ncii Centrale \u0219i ave\u021bi grij\u0103 s\u0103 nu fi\u021bi victima fraudei. O companie responsabil\u0103 va avea grij\u0103 de banii t\u0103i, p\u00e2n\u0103 la urm\u0103 vei face o investi\u021bie bun\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu toate acestea, dac\u0103 \u00eenc\u0103 nu sunte\u021bi sigur despre crearea unui consor\u021biu de vehicule \u0219i dori\u021bi s\u0103 explora\u021bi alte posibilit\u0103\u021bi, consulta\u021bi con\u021binutul nostru de mai jos. \u00cen acest sens, \u00eenva\u021b\u0103 cum s\u0103 \u00eenchiriezi o ma\u0219in\u0103 chiar \u0219i cu un nume murdar.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1MHE6I\">\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\/ro\/como-alugar-um-carro-com-o-nome-sujo\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 \u00eenchiriez o ma\u0219in\u0103 cu un nume murdar?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/5953ae29-475e-4673-89f1-93fc5f7bc2a7\/\" 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\/ro\/como-alugar-um-carro-com-o-nome-sujo\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 \u00eenchiriez o ma\u0219in\u0103 cu un nume murdar?\">\n            Cum s\u0103 \u00eenchiriez o ma\u0219in\u0103 cu un nume murdar?        <\/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            \u0218tii cum s\u0103 \u00eenchiriezi o ma\u0219in\u0103 cu un nume murdar? Despre asta vom vorbi \u0219i despre alte informa\u021bii utile atunci c\u00e2nd \u00eenchiriem o ma\u0219in\u0103.        <\/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\/ro\/como-alugar-um-carro-com-o-nome-sujo\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <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? 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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-alugar-um-carro-com-o-nome-sujo\/\"  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                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Consor\u021biul de vehicule poate fi solu\u021bia pe care o c\u0103uta\u021bi pentru a v\u0103 schimba ma\u0219ina sau pentru a cump\u0103ra una nou\u0103. Astfel, func\u021bioneaz\u0103 ca o economii colectiv\u0103 \u0219i nu percepe dob\u00e2nd\u0103. Vezi aici toate detaliile.<\/p>","protected":false},"author":21,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[9,29],"tags":[182,173,2286],"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>O que \u00e9 um cons\u00f3rcio de ve\u00edculo e como funciona? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Se voc\u00ea tem o sonho de comprar um carro novo ou, ainda, de trocar de carro, conhe\u00e7a o cons\u00f3rcio de ve\u00edculo e veja como ele pode te ajudar!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/ro\/consorcio-de-veiculo\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O que \u00e9 um cons\u00f3rcio de ve\u00edculo e como funciona?\" \/>\n<meta property=\"og:description\" content=\"Se voc\u00ea tem o sonho de comprar um carro novo ou, ainda, de trocar de carro, conhe\u00e7a o cons\u00f3rcio de ve\u00edculo e veja como ele pode te ajudar!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/ro\/consorcio-de-veiculo\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2021-12-02T12:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-12-02T11:39:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.adtechpanda.com\/512a4380-8dd5-438b-bf6d-09a9c09cd03a\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aline Barbosa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/senhorpanda.com\/#website\",\"url\":\"https:\/\/senhorpanda.com\/\",\"name\":\"Senhor Panda\",\"description\":\"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/senhorpanda.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\/\/senhorpanda.com\/consorcio-de-veiculo\/#primaryimage\",\"url\":\"https:\/\/cdn.adtechpanda.com\/512a4380-8dd5-438b-bf6d-09a9c09cd03a\/\",\"contentUrl\":\"https:\/\/cdn.adtechpanda.com\/512a4380-8dd5-438b-bf6d-09a9c09cd03a\/\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/senhorpanda.com\/consorcio-de-veiculo\/#webpage\",\"url\":\"https:\/\/senhorpanda.com\/consorcio-de-veiculo\/\",\"name\":\"O que \u00e9 um cons\u00f3rcio de ve\u00edculo e como funciona? - Senhor Panda\",\"isPartOf\":{\"@id\":\"https:\/\/senhorpanda.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/senhorpanda.com\/consorcio-de-veiculo\/#primaryimage\"},\"datePublished\":\"2021-12-02T12:00:00+00:00\",\"dateModified\":\"2021-12-02T11:39:15+00:00\",\"author\":{\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/c461142316591e9059b0099c7dbdf222\"},\"description\":\"Se voc\u00ea tem o sonho de comprar um carro novo ou, ainda, de trocar de carro, conhe\u00e7a o cons\u00f3rcio de ve\u00edculo e veja como ele pode te ajudar!\",\"breadcrumb\":{\"@id\":\"https:\/\/senhorpanda.com\/consorcio-de-veiculo\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/senhorpanda.com\/consorcio-de-veiculo\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/senhorpanda.com\/consorcio-de-veiculo\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/senhorpanda.com\/ro\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"O que \u00e9 um cons\u00f3rcio de ve\u00edculo e como funciona?\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/c461142316591e9059b0099c7dbdf222\",\"name\":\"Aline Barbosa\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/407d2653ed89e8d248a73b17e7fcdb14?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/407d2653ed89e8d248a73b17e7fcdb14?s=96&d=mm&r=g\",\"caption\":\"Aline Barbosa\"},\"description\":\"Escritora e produtora de conte\u00fado para diversos assuntos, \u00e9 apaixonada pela escrita e pelo novo. 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