Assembleias de 09/12/2024

Summary

This video script showcases a live broadcast of multiple consórcio assemblies, where participants compete for credit to purchase goods and services like automobiles and real estate. It emphasizes the convenience of the consórcio portal, offering complete control and easy access to key information, such as assembly dates, draws, and invoices. Throughout the broadcast, the process of drawing active quotas, excluded quotas, and winners of fixed and free bids is explained. The results are displayed and accessible through the portal, ensuring transparency and efficiency in the consórcio process.

Takeaways

• 😀 The Consorciado Portal offers total control and convenience by providing real-time information on consortia and allows users to access vital data with just a few clicks.
• 😀 Users can easily track assembly dates, view results of draws, and access payment invoices quickly via the portal.
• 😀 The portal allows consorciados to check the status of their contributions and see how much they have left to pay.
• 😀 With the portal, obtaining a second copy of an invoice is simple, saving time and reducing monthly stress.
• 😀 Live transmission of assembly draws takes place from Belo Horizonte, Minas Gerais, and can be followed through the TV Multimarcas YouTube channel.
• 😀 Various types of consortia are drawn, such as for automobiles, real estate, and services, with differing terms like duration and participant numbers.
• 😀 For each group, there are specific draw rules, including the use of fixed or free bids for credit allocation, with percentages outlined for each draw type.
• 😀 The script details several draws for different groups, showing how numbers are drawn, recorded, and processed for active, excluded, and fixed bid cotas.
• 😀 In some groups, the fixed bid cota is determined by a predetermined percentage, whereas in free bid groups, participants can include up to 30% of the credit value to increase their chances of being selected.
• 😀 The final results of each assembly, including active cotas, excluded cotas, and winners from fixed and free bids, are displayed on the portal for participants to review.
• 😀 Viewers are reminded that the results will be available for further review on the Consorciado Portal, accessible from 6 PM on the same day as the draw.

Q & A

What is the 'Portal do Consorciado' and how does it benefit users?

The 'Portal do Consorciado' is an online platform that provides consórcio participants with easy access to important information regarding their consórcio. It allows users to check assembly dates, follow draws, view their payment history, and even obtain second copies of invoices, all in a quick and practical manner.

How are the consórcio groups organized in terms of duration and participant numbers?

The consórcio groups vary in terms of the duration of their plans and the number of participants. For example, some groups may have a 120-month duration with around 3,000 participants, while others may have a shorter or longer duration, such as 50 or 240 months, with varying participant numbers.

What types of goods are involved in the consórcio groups mentioned in the script?

The consórcio groups mentioned in the script include goods such as automobiles, real estate (imóveis), and services. The types of goods differ across groups, with some focusing on vehicles, while others are dedicated to properties or services.

What are 'lance fixo' and 'lance livre' in the consórcio system?

'Lance fixo' refers to a fixed bid, where a participant commits to a predetermined percentage of the credit value. 'Lance livre' allows participants to bid freely, with the option to add up to 30% of the credit value to their bid.

What is the significance of the percentage values mentioned for the 'lance livre'?

The percentage values for 'lance livre' represent the additional amount a participant can include in their bid. For instance, a bid could be 7.8% or 92.08% of the credit value, depending on the group, which determines how much more than the base amount is offered in the draw.

How are the results of each draw presented?

The results of each draw are presented by listing the active and excluded cotas, as well as the cotas selected through both fixed and free bids. The details include the cota numbers and whether they were successfully contemplated (selected) based on the participant's bid.

What happens if a participant’s cota is excluded in the draw?

If a participant’s cota is excluded, it means their cota was not selected in the draw. However, the exclusion is often due to the participant's cota not meeting specific conditions, such as not having a sufficient balance or not being among the top bids.

What role does the 'Globo Giratório' play in the consórcio assemblies?

The 'Globo Giratório' (rotating globe) is used during the draw process to randomly select the numbers of the cotas. It ensures that the draws are fair and transparent, as participants watch the process unfold in real-time.

How are the assembly results communicated to participants?

The results of the assemblies are made available through the Portal do Consorciado, where they can be accessed after the draw. Additionally, participants can check the results at a designated time, often after 6 PM on the same day of the draw.

What does it mean if a cota is ‘contemplada’ (contemplated) in the context of the consórcio?

If a cota is 'contemplada', it means that the cota has been successfully selected through the draw process. The participant associated with this cota will have the opportunity to use the credit to acquire the asset (e.g., vehicle, property, or service).