Consórcio

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A consortium is a credit system where the client contracts and makes monthly payments. From that moment on, to access the chosen credit amount, the consortium member needs to be selected. Selection only happens in

two ways: by lottery through the federal lottery or through bids offered by each client. It's at this point that some people, due to a lack of understanding or even a lack of clear rules, are unaware of why some consortium members are

selected more often and faster. In short, they see the situation as pure luck or even as an auction in the case of selection via bid. And that's where the connection lies—let's leave it for the next video. Information is one thing, and knowledge is another. Have you ever stopped to

reflect on this? The moment a client acquires a letter of credit, they are automatically inserted into the three markets in which the consortium operates: the acquisition market, the savings market, and the investment market. In the

acquisition market, the client chooses the consortium because it is the cheapest credit on the market. In this case, talking about acquisition is the same as talking about consumption, where the client's objective is to acquire. Something that could be a property or even a vehicle in this situation.

Let's do a group study and schedule this contemplation through the bids offered. However, for some clients, the priority is not acquiring something; the focus is on saving and making a medium- or long-term plan. At this moment, credit

becomes secondary because the focus is on the amount the consortium member can afford in installments, which could be 100, 200 reais, etc. Each one has their own budget, because the most important thing is that over time the

client will have saved 200,000, or 600,000 reais without realizing it, simply because they agreed with their broker on an installment amount within their budget. We then arrive at the last element of the API: both acquisition and saving

are not the true priority. But then, what really motivates our client? There are people who are really interested in investments, and investing is when we apply our capital with the expectation of a future benefit, that is, redeeming the

invested value with an adjustment. This can be done through the sale of the awarded letter of credit. In our example, the client subscribes to a credit of 150,000 reais. Paying half the installment amounting to 512 in a simple simulation. Let's say that

after 32 months of paying the installments, almost three years, our client was awarded the credit. Considering all installments paid plus the annual adjustment, the total amount paid during this period will be approximately 17,650. If the client chooses to sell

their awarded credit, considering 20% ​​of the updated credit value, they will receive 35,000 reais. Comparing a consortium versus an investment, if we put the same installment amounts for the same

period in an investment of their choice, for the client to also withdraw the 35,000 reais... [Music]