Como funciona o Reajuste de Crédito no Consórcio?

Summary

This video explains how the value of monthly payments in a consórcio (collective credit system) fluctuates based on market indices. The purpose of these adjustments is to preserve the purchasing power of participants, ensuring they can acquire their desired goods or services at current market values. Through examples of participants Joana and Paulo, viewers learn how the credit and payment amounts are updated before and after they are contemplado (approved). It also highlights the option of early payment to avoid future adjustments.

Takeaways

• 😀 The installments in a consortium are not fixed because the credit value can change according to market indices.
• 😀 Credit adjustments ensure that the amount you contribute remains enough to acquire the good or service at its updated market value.
• 😀 Consortium installments are updated periodically to preserve the purchasing power of the participants.
• 😀 Joana's example shows how her car credit value adjusts over time to reflect inflation and the increasing cost of her desired car model.
• 😀 The credit update happens annually, ensuring the credit amount reflects the inflation rate for that year.
• 😀 If you haven’t been contemplated yet, your credit will be adjusted to maintain its value against inflation during the consortium period.
• 😀 Paulo’s example demonstrates how, after being contemplated, his remaining balance (debt) is updated to reflect the current market price.
• 😀 If you are not yet contemplated, the adjustment applies to the remaining installments to make sure the value is enough for other participants to acquire their desired goods.
• 😀 Once you’ve been contemplated and received your credit, you can avoid further credit adjustments by paying off the remaining installments in advance.
• 😀 The consortium system is a collaborative purchase system where everyone’s payments contribute to each other’s ability to buy the desired goods at market prices.

Q & A

Why are the installment amounts in a consórcio not fixed?

The installment amounts in a consórcio are not fixed because the credit value that participants can redeem for purchasing a good or paying for a service is updated based on market indices. This ensures that the value of the installments is adjusted to preserve the purchasing power of the participants and guarantees the amount contributed is sufficient to acquire the desired item at the updated market value.

How is the credit value adjusted throughout the consórcio period?

The credit value is adjusted annually according to a market index that reflects the inflation rate. This adjustment ensures that participants' credits stay in line with the increased market prices over time, allowing them to still afford the desired goods or services when they are eventually contemplated.

What happens if the value of the desired good increases during the consórcio period?

If the value of the desired good increases, the credit is updated to reflect this change. The installments will be recalculated to ensure that the total amount paid over the consórcio term will be enough to cover the new, higher price of the item.

Can the consórcio participant avoid paying for credit adjustment after being contemplated?

Yes, a participant who has already been contemplated can avoid paying for the credit adjustment by choosing to anticipate the remaining installments of their consórcio.

What does 'being contemplated' mean in a consórcio?

'Being contemplated' in a consórcio means that the participant has been selected to receive the credit amount and can now use it to purchase the desired good or service.

How does the correction work when a participant is still paying off their consórcio after being contemplated?

When a participant is still paying off their consórcio after being contemplated, the remaining installments will be adjusted based on the remaining balance of the credit. This ensures that other participants who haven't been contemplated yet can still receive updated values for their goods or services.

How does the consórcio ensure fairness for all participants regarding credit adjustments?

The consórcio ensures fairness by applying adjustments to the credit values of participants who have been contemplated, updating their remaining installments in a way that ensures that all participants, whether contemplated or not, can purchase their desired goods at market value when their time comes.

How is the adjustment applied to a participant’s credit if they have not yet been contemplated?

If a participant has not yet been contemplated, the adjustment is applied directly to the total value of the credit they purchased. This ensures that when the participant is eventually contemplated, they will have the updated value to acquire the desired good or service.

What is the main purpose of updating the credit value in a consórcio?

The main purpose of updating the credit value is to preserve the purchasing power of the consórcio participants. As the value of goods and services rises over time due to inflation, updating the credit ensures that the amount participants receive is still sufficient to purchase the desired item at the updated market value.

What happens if a participant chooses to anticipate their consórcio payments?

If a participant chooses to anticipate their consórcio payments, they can avoid the credit adjustment, meaning they won’t be affected by the market value increases, allowing them to settle the full value of their consórcio more quickly.