{"id":18334,"date":"2024-08-08T10:10:34","date_gmt":"2024-08-08T13:10:34","guid":{"rendered":"https:\/\/hild.seg.br\/?page_id=18334"},"modified":"2026-10-27T16:00:55","modified_gmt":"2026-10-27T19:00:55","slug":"elementor-18334","status":"publish","type":"page","link":"https:\/\/hild.seg.br\/index.php\/elementor-18334\/","title":{"rendered":"Cons\u00f3rcio"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"18334\" class=\"elementor elementor-18334\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ce3446a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ce3446a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3d992ca\" data-id=\"3d992ca\" 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rgba(17,24,39,.07)}\n.hild-consorcios .faq-list details{border-color:#d8dfe8}\n.hild-consorcios .faq-list summary{color:#17233c}\n.hild-consorcios .cta{background:linear-gradient(115deg,#101726 0%,#183666 100%)}\n.hild-consorcios .cta .button{box-shadow:0 10px 24px rgba(0,0,0,.17)}\n.hild-consorcios .disclosure{background:#e9edf3;color:#445063}\n.hild-consorcios .footer{background:#fff}\n.hild-consorcios .footer p{color:#4f596a}\n@media(max-width:620px){.hild-consorcios .hero,.hild-consorcios .hero[data-variant=\"b\"],.hild-consorcios .hero[data-variant=\"c\"]{background:linear-gradient(180deg,#fff,#f4f6f9)}\n.hild-consorcios .porto-benefits .partner-heading img{margin-top:13px;margin-bottom:18px}}\nbody.elementor-page-18334 #main-content{padding-top:0!important;padding-bottom:0!important}\n.hild-consorcios{box-sizing:border-box;position:relative;left:50%;width:100vw;max-width:100vw;margin-left:-50vw;overflow:hidden;font-family:Arial,Helvetica,sans-serif;line-height:1.55}\n.hild-consorcios *,.hild-consorcios *::before,.hild-consorcios *::after{box-sizing:border-box}\n.hild-consorcios .hero .wrap,.hild-consorcios .strip .wrap,.hild-consorcios .section .wrap,.hild-consorcios .disclosure .wrap{max-width:1180px}\n.hild-consorcios .cta h2{color:#fff}\n.hild-consorcios .button:focus-visible,.hild-consorcios a:focus-visible,.hild-consorcios summary:focus-visible{outline:3px solid #79acff;outline-offset:3px}\n\n<\/style>\n<div class=\"hild-consorcios\" lang=\"pt-BR\">\n\n    <section class=\"hero\" data-variant=\"a\" aria-labelledby=\"hero-title\"><div class=\"wrap\"><div class=\"hero-copy\"><div class=\"eyebrow\" id=\"hero-eyebrow\">Cons\u00f3rcio Porto Bank com a Hild<\/div><h1 id=\"hero-title\">Seu pr\u00f3ximo passo come\u00e7a com um bom plano.<\/h1><p id=\"hero-subtitle\">Carro ou im\u00f3vel: conte com a Hild para entender as op\u00e7\u00f5es do Cons\u00f3rcio Porto Bank e encontrar um plano adequado ao seu momento.<\/p><div class=\"hero-actions\"><a class=\"button\" href=\"#modalidades\">Escolher meu objetivo <span aria-hidden=\"true\">\u2192<\/span><\/a><a class=\"button light\" href=\"#como-funciona\">Entender como funciona<\/a><\/div><p class=\"micro\">Sem promessa de contempla\u00e7\u00e3o imediata. Valores e condi\u00e7\u00f5es dependem da proposta e do regulamento.<\/p><div class=\"hero-partner\"><span>Orienta\u00e7\u00e3o Hild \u2022 Produto administrado por<\/span><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/hild.seg.br\/wp-content\/uploads\/2026\/10\/porto-bank-oficial.png\" alt=\"Porto Bank\" width=\"704\" height=\"401\"><\/div><\/div><div class=\"hero-media\"><figure class=\"hero-photo\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/hild.seg.br\/wp-content\/uploads\/2026\/10\/planejamento-hero.jpg\" alt=\"Casal conversando sobre seus planos em casa\" width=\"1600\" height=\"900\" fetchpriority=\"high\"><\/figure><span class=\"photo-label\">Planejamento com orienta\u00e7\u00e3o<\/span><div class=\"mascot-badge\"><img decoding=\"async\" src=\"https:\/\/hild.seg.br\/wp-content\/uploads\/2026\/10\/LOGSEG.png\" alt=\"Mascote da Hild\" width=\"1600\" height=\"900\"><span>A Hild acompanha voc\u00ea de perto<\/span><\/div><\/div><\/div><\/section>\n    <div class=\"strip\"><div class=\"wrap\"><div class=\"strip-item\"><strong>Hild desde 2011<\/strong><span>Atendimento pr\u00f3ximo em Franca e regi\u00e3o.<\/span><\/div><div class=\"strip-item\"><strong>Produto Porto Bank<\/strong><span>Administradora identificada com clareza.<\/span><\/div><div class=\"strip-item\"><strong>Orienta\u00e7\u00e3o humana<\/strong><span>Entenda taxas, prazos e regras antes de decidir.<\/span><\/div><\/div><\/div>\n    <section class=\"section\" id=\"modalidades\"><div class=\"wrap\"><div class=\"section-intro\"><div class=\"eyebrow\">Por onde come\u00e7ar<\/div><h2>O que voc\u00ea quer conquistar?<\/h2><p>Selecione um objetivo. A Hild ajuda a comparar o valor de cr\u00e9dito, o prazo e a parcela antes de solicitar uma proposta \u00e0 Porto.<\/p><\/div><div class=\"cards\"><article class=\"card\"><div class=\"card-media\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hild.seg.br\/wp-content\/uploads\/2026\/10\/consorcio-carro.jpg\" alt=\"Imagem ilustrativa de uma pessoa ao lado de um carro azul\" width=\"1100\" height=\"825\" loading=\"lazy\"><\/div><div class=\"card-body\"><span class=\"card-kicker\">Cons\u00f3rcio de ve\u00edculo<\/span><h3>Meu pr\u00f3ximo carro<\/h3><p>Planeje a compra ou troca de ve\u00edculo com uma carta de cr\u00e9dito alinhada ao que voc\u00ea procura.<\/p><a href=\"https:\/\/wa.me\/551637224117?text=Ol%C3%A1%2C%20Hild%21%20Quero%20conversar%20sobre%20cons%C3%B3rcio%20Porto%20Bank.%20Meu%20interesse%20%C3%A9%20carro.\" target=\"_blank\" rel=\"noopener noreferrer\">Quero conversar sobre carro \u2192<\/a><\/div><\/article><article class=\"card\"><div class=\"card-media\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hild.seg.br\/wp-content\/uploads\/2026\/10\/consorcio-imovel.jpg\" alt=\"Imagem ilustrativa de um casal em um apartamento\" width=\"1100\" height=\"825\" loading=\"lazy\"><\/div><div class=\"card-body\"><span class=\"card-kicker\">Cons\u00f3rcio imobili\u00e1rio<\/span><h3>Meu im\u00f3vel<\/h3><p>Organize a compra de uma casa, apartamento ou terreno, ou converse sobre possibilidades para reforma.<\/p><a href=\"https:\/\/wa.me\/551637224117?text=Ol%C3%A1%2C%20Hild%21%20Quero%20conversar%20sobre%20cons%C3%B3rcio%20Porto%20Bank.%20Meu%20interesse%20%C3%A9%20im%C3%B3vel.\" target=\"_blank\" rel=\"noopener noreferrer\">Quero conversar sobre im\u00f3vel \u2192<\/a><\/div><\/article><article class=\"card\"><div class=\"card-media guide\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hild.seg.br\/wp-content\/uploads\/2026\/10\/LOGSEG.png\" alt=\"Mascote da Hild\" width=\"1600\" height=\"900\" loading=\"lazy\"><\/div><div class=\"card-body\"><span class=\"card-kicker\">Orienta\u00e7\u00e3o personalizada<\/span><h3>Ainda estou decidindo<\/h3><p>Entenda quando o cons\u00f3rcio pode combinar com seus planos e quais pontos comparar.<\/p><a href=\"https:\/\/wa.me\/551637224117?text=Ol%C3%A1%2C%20Hild%21%20Quero%20conversar%20sobre%20cons%C3%B3rcio%20Porto%20Bank.%20Meu%20interesse%20%C3%A9%20orienta%C3%A7%C3%A3o.\" target=\"_blank\" rel=\"noopener noreferrer\">Quero orienta\u00e7\u00e3o \u2192<\/a><\/div><\/article><\/div><p class=\"image-note\">Fotos geradas para ilustrar objetivos de compra; n\u00e3o representam clientes ou contempla\u00e7\u00f5es reais.<\/p><\/div><\/section>\n    <section class=\"section how\" id=\"como-funciona\"><div class=\"wrap\"><div class=\"section-intro\"><div class=\"eyebrow\">Sem atalhos ou surpresas<\/div><h2>Como o cons\u00f3rcio funciona<\/h2><p>Uma explica\u00e7\u00e3o simples para voc\u00ea saber o que acontece antes e depois da ades\u00e3o.<\/p><\/div><div class=\"steps\"><div class=\"step\"><div class=\"num\">01<\/div><h3>Defina o objetivo<\/h3><p>Escolha o bem e o valor de cr\u00e9dito que fazem sentido para voc\u00ea.<\/p><\/div><div class=\"step\"><div class=\"num\">02<\/div><h3>Compare o plano<\/h3><p>Veja prazo, parcela, taxa de administra\u00e7\u00e3o, reajustes e demais condi\u00e7\u00f5es.<\/p><\/div><div class=\"step\"><div class=\"num\">03<\/div><h3>Participe do grupo<\/h3><p>As contribui\u00e7\u00f5es do grupo formam os recursos para as contempla\u00e7\u00f5es.<\/p><\/div><div class=\"step\"><div class=\"num\">04<\/div><h3>Use o cr\u00e9dito<\/h3><p>Ap\u00f3s contempla\u00e7\u00e3o por sorteio ou lance e cumprimento das regras, escolha o bem.<\/p><\/div><\/div><\/div><\/section>\n    <section class=\"section porto-benefits\" id=\"vantagens-porto\"><div class=\"wrap\"><div class=\"partner-heading\"><div class=\"section-intro\"><div class=\"eyebrow\">Facilidades do Porto Bank<\/div><h2>Mais praticidade em cada etapa do seu plano.<\/h2><p>Conhe\u00e7a recursos do Cons\u00f3rcio Porto Bank e, se fizer sentido para voc\u00ea, benef\u00edcios de um Cart\u00e3o Porto Bank contratado separadamente.<\/p><\/div><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hild.seg.br\/wp-content\/uploads\/2026\/10\/porto-bank-oficial.png\" alt=\"Porto Bank\" width=\"704\" height=\"401\" loading=\"lazy\"><\/div><div class=\"benefit-grid\"><article class=\"benefit-card\"><div class=\"benefit-icon\" aria-hidden=\"true\">\u2193<\/div><h3>Parcela reduzida em planos participantes<\/h3><p>Alguns grupos oferecem parcela menor at\u00e9 a contempla\u00e7\u00e3o. O valor reduzido \u00e9 compensado nas parcelas seguintes; a Hild ajuda a comparar o custo total e o fluxo ap\u00f3s a contempla\u00e7\u00e3o.<\/p><span class=\"benefit-tag\">Conforme o plano e o regulamento<\/span><\/article><article class=\"benefit-card\"><div class=\"benefit-icon\" aria-hidden=\"true\">\u25a3<\/div><h3>Parcela no Cart\u00e3o Porto Bank<\/h3><p>Em planos eleg\u00edveis, pode ser poss\u00edvel cadastrar um Cart\u00e3o Porto Bank para pagar as parcelas e acompanhar os vencimentos na fatura. Confirme a disponibilidade na proposta.<\/p><span class=\"benefit-tag\">Para clientes com cart\u00e3o aprovado<\/span><\/article><article class=\"benefit-card\"><div class=\"benefit-icon\" aria-hidden=\"true\">\u25a4<\/div><h3>Sua cota no aplicativo<\/h3><p>Consulte extrato, resultados das assembleias e segunda via. A Porto tamb\u00e9m permite simular e ofertar lances pelos canais digitais.<\/p><span class=\"benefit-tag\">Cons\u00f3rcio Porto Bank<\/span><\/article><article class=\"benefit-card\"><div class=\"benefit-icon\" aria-hidden=\"true\">\u2726<\/div><h3>Vantagens do Cart\u00e3o Porto Bank<\/h3><p>O cart\u00e3o, contratado \u00e0 parte e sujeito \u00e0 aprova\u00e7\u00e3o, pode oferecer facilidades como a Tag e condi\u00e7\u00f5es em produtos Porto. Confirme benef\u00edcios e custos vigentes antes de decidir.<\/p><span class=\"benefit-tag\">Cart\u00e3o opcional, contratado \u00e0 parte<\/span><\/article><\/div><p class=\"benefit-note\">O Cart\u00e3o Porto Bank \u00e9 opcional, contratado separadamente e sujeito \u00e0 aprova\u00e7\u00e3o. Benef\u00edcios, anuidade, forma de pagamento e ofertas dependem das condi\u00e7\u00f5es vigentes. A Hild ajuda voc\u00ea a conferir os detalhes antes da contrata\u00e7\u00e3o.<\/p><a class=\"benefit-link\" href=\"#conversar\">Quero entender as op\u00e7\u00f5es com a Hild \u2192<\/a><\/div><\/section>\n    <section class=\"section\"><div class=\"wrap split\"><div><div class=\"eyebrow\">Atendimento Hild + Porto Bank<\/div><h2>Uma proposta que voc\u00ea entende antes de contratar.<\/h2><p>O cons\u00f3rcio \u00e9 uma decis\u00e3o de longo prazo. A Hild acompanha a conversa para que voc\u00ea compreenda o plano da Porto, tire d\u00favidas e compare as condi\u00e7\u00f5es com tranquilidade.<\/p><a class=\"button\" href=\"#conversar\">Conversar sobre meu plano<\/a><\/div><div class=\"panel\"><span class=\"pill\">Na conversa, vamos olhar<\/span><h3>O que precisa ficar claro<\/h3><ul class=\"checklist\"><li>Valor da carta de cr\u00e9dito e objetivo de compra<\/li><li>Prazo, parcela e possibilidade de reajuste<\/li><li>Taxa de administra\u00e7\u00e3o e demais componentes da parcela<\/li><li>Regras de sorteio, lance e uso do cr\u00e9dito<\/li><li>Condi\u00e7\u00f5es do grupo e do regulamento da Porto<\/li><\/ul><\/div><\/div><\/section>\n    <section class=\"section how\" id=\"duvidas\"><div class=\"wrap\"><div class=\"section-intro\"><div class=\"eyebrow\">D\u00favidas frequentes<\/div><h2>Respostas para decidir com seguran\u00e7a<\/h2><\/div><div class=\"faq-list\"><details><summary>Cons\u00f3rcio tem juros?<\/summary><p>O cons\u00f3rcio n\u00e3o \u00e9 financiamento e n\u00e3o cobra juros de financiamento. A parcela inclui taxa de administra\u00e7\u00e3o e pode incluir fundo de reserva, seguro e reajustes previstos no contrato. A Hild pode explicar os valores da proposta espec\u00edfica.<\/p><\/details><details><summary>Quando recebo a carta de cr\u00e9dito?<\/summary><p>A contempla\u00e7\u00e3o ocorre em assembleia por sorteio ou lance, conforme as regras do grupo e a disponibilidade de recursos. N\u00e3o h\u00e1 garantia de uma data antecipada de contempla\u00e7\u00e3o.<\/p><\/details><details><summary>Posso ofertar um lance?<\/summary><p>Sim, conforme as modalidades e regras do grupo contratado. Um lance n\u00e3o garante a contempla\u00e7\u00e3o. Vale comparar essa estrat\u00e9gia com seu or\u00e7amento antes de decidir.<\/p><\/details><details><summary>O Cart\u00e3o Porto Bank vem junto com o cons\u00f3rcio?<\/summary><p>N\u00e3o. O cart\u00e3o \u00e9 opcional, tem contrata\u00e7\u00e3o e an\u00e1lise pr\u00f3prias. A Hild pode explicar as facilidades de pagamento do cons\u00f3rcio e ajudar voc\u00ea a conferir os benef\u00edcios vigentes do cart\u00e3o antes de decidir.<\/p><\/details><details><summary>\u00c9 poss\u00edvel usar o cr\u00e9dito para im\u00f3vel ou carro usado?<\/summary><p>A Porto oferece modalidades para ve\u00edculos e im\u00f3veis. As possibilidades e exig\u00eancias variam conforme o produto e o regulamento; a Hild verifica a situa\u00e7\u00e3o do bem pretendido na proposta.<\/p><\/details><\/div><\/div><\/section>\n    <section class=\"section cta\" id=\"conversar\"><div class=\"wrap\"><div><div class=\"eyebrow\" style=\"color:#cfe3ff\">Comece por uma conversa<\/div><h2>Conte seu objetivo. A gente ajuda a encontrar o caminho.<\/h2><p>Atendimento Hild em Franca, com orienta\u00e7\u00e3o personalizada sobre o Cons\u00f3rcio Porto Bank.<\/p><\/div><a class=\"button\" id=\"whatsapp\" href=\"https:\/\/wa.me\/551637224117?text=Ol%C3%A1%2C%20Hild!%20Quero%20conversar%20sobre%20cons%C3%B3rcio%20Porto%20Bank.\" target=\"_blank\" rel=\"noopener noreferrer\">Falar no WhatsApp <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/section>\n  \n<div class=\"disclosure\"><div class=\"wrap\"><div class=\"wrap\">O cons\u00f3rcio \u00e9 administrado pela Porto Seguro Administradora de Cons\u00f3rcios Ltda. A ades\u00e3o depende de proposta, an\u00e1lise e regulamento do plano. Contempla\u00e7\u00e3o por sorteio ou lance, sem garantia de data antecipada. Confirme taxas, fundo de reserva, seguros e crit\u00e9rios de reajuste na proposta vigente.<\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Cons\u00f3rcio Porto Bank com a Hild Seu pr\u00f3ximo passo come\u00e7a com um bom plano. Carro ou im\u00f3vel: conte com a Hild para entender as op\u00e7\u00f5es do Cons\u00f3rcio Porto Bank e encontrar um plano adequado ao seu momento. Escolher meu objetivo \u2192Entender como funciona Sem promessa de contempla\u00e7\u00e3o imediata. Valores e condi\u00e7\u00f5es dependem da proposta e<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-18334","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/hild.seg.br\/index.php\/wp-json\/wp\/v2\/pages\/18334","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hild.seg.br\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hild.seg.br\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hild.seg.br\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hild.seg.br\/index.php\/wp-json\/wp\/v2\/comments?post=18334"}],"version-history":[{"count":32,"href":"https:\/\/hild.seg.br\/index.php\/wp-json\/wp\/v2\/pages\/18334\/revisions"}],"predecessor-version":[{"id":18837,"href":"https:\/\/hild.seg.br\/index.php\/wp-json\/wp\/v2\/pages\/18334\/revisions\/18837"}],"wp:attachment":[{"href":"https:\/\/hild.seg.br\/index.php\/wp-json\/wp\/v2\/media?parent=18334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}