NÃO compre consórcio antes de assistir esse vídeo! Burocracias e Taxas Reais.

Summary

This video explains the fundamentals of the consórcio system in Brazil, a collective financing arrangement where participants pool resources to purchase large assets like cars or real estate. It covers key concepts such as 'carta contemplada' (contemplated letter), 'lance fixo' (fixed bid), and the calculation of consórcio payments. The speaker highlights strategies to increase the chances of being selected, the importance of choosing the right payment plans, and the role of investors in this system. The information is tailored to help both investors and participants make informed decisions in the consórcio process.

Takeaways

• 😀 Consórcio is a system where participants save and compete for a loan or credit through monthly installments, with a focus on bidding for a cota (share).
• 😀 A 'carta contemplada' refers to a cota that has already been selected, making it available for resale in the secondary market, benefiting both investors and participants.
• 😀 The admicom platform bridges the gap between investors and consórcio participants by allowing the purchase and resale of cartas contempladas, providing liquidity in the market.
• 😀 'Lance fixo' (fixed bid) increases participants' chances of being selected through the consórcio lottery system, allowing for more predictable outcomes compared to random selection.
• 😀 The consórcio process includes both 'sorteio' (lottery) and 'lance fixo' (fixed bid), with the latter offering higher chances of winning, especially with smaller bids.
• 😀 For example, a group of 1,000 participants may have a single winner each month through a lottery, but if 150 participants offer a fixed bid, they may have a higher chance of winning (up to two winners).
• 😀 The cost of a consórcio installment is calculated by adding the credit amount and administration fees, then dividing it by the number of months (e.g., R$ 100,000 consórcio over 100 months with 20% fee equals a monthly installment of R$ 1,200).
• 😀 'Parcela reduzida' (reduced installment) allows for smaller upfront payments, helping participants accumulate funds to make larger bids while postponing the remaining cost to be paid after the cota is contemplated.
• 😀 Groups with reduced installments have less money in the pool for contemplation compared to groups with regular installments, which can slow down the process of awarding cotas.
• 😀 Participants need to carefully choose between full and reduced installment plans depending on whether they want faster results (full installments) or greater flexibility in saving and bidding (reduced installments).

Q & A

What is the main product offered by Demicon?

Demicon's main product is the 'carta contemplada' (contemplated letter), which allows investors to buy and sell quotas of a consórcio at various stages of completion, rather than waiting for a draw.

What is the advantage of buying a 'carta contemplada'?

The advantage of buying a 'carta contemplada' is that it allows investors to access consórcio credits immediately, without having to wait for a draw, enabling quicker use or resale.

How does the 'lance fixo' (fixed bid) work in a consórcio?

The 'lance fixo' is when participants offer the same bid amount as others. If multiple people offer the same bid, a draw is used as a tiebreaker. This increases the chances of being contemplated with a smaller bid.

What is the difference between 'lance fixo' and 'sorteio' (draw)?

The 'lance fixo' allows participants to offer a set bid, and the winner is determined by a draw among those with the same bid. In contrast, 'sorteio' (draw) is random, where one participant is chosen from a group, typically offering no additional bids.

How does the number of people in a group affect the chances of being contemplated?

In a consórcio group, the fewer people competing for a given credit, the higher the chances of being contemplated. For example, a group of 1,000 people with one monthly draw results in a 1-in-1,000 chance, but with a smaller pool offering fixed bids, the chances increase.

What does 'parcela reduzida' (reduced installment) mean in a consórcio?

'Parcela reduzida' refers to the reduced payment a participant makes before being contemplated. After contemplation, the participant will pay the remaining amount in installments over the term of the consórcio.

How does 'parcela reduzida' affect the group's overall capital?

When most participants in a group are paying 'parcela reduzida', the group's available capital decreases. This means fewer people can be contemplated since the total available funds are lower than in a group with full installment payments.

Is 'parcela reduzida' considered a discount on the total amount owed?

'Parcela reduzida' is not a discount. It simply reduces the upfront payment. After contemplation, the participant will pay the remaining balance, including the part they didn't pay earlier, spread out over the rest of the consórcio's term.

What strategy should an investor choose if they want to resell their consórcio quota?

If an investor wants to resell their consórcio quota, paying 'parcela reduzida' could be a better strategy. This allows them to save money upfront and accumulate funds for a larger bid while investing less initially.

Should someone looking to buy a property for personal use opt for a group with reduced or full installments?

For someone looking to buy a property for personal use, it is recommended to choose a group with full installments. This allows for faster contemplation and a higher chance of being contemplated in the short term.