{"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":"2024-08-09T10:49:27","modified_gmt":"2024-08-09T13:49:27","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-7e9c42d elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e9c42d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-50 elementor-top-column elementor-element elementor-element-10aae5f\" data-id=\"10aae5f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b9b1a8 elementor-widget elementor-widget-spacer\" data-id=\"2b9b1a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01c3f07 elementor-widget elementor-widget-heading\" data-id=\"01c3f07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cons\u00f3rcio<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84816d5 elementor-widget elementor-widget-spacer\" data-id=\"84816d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d6e581 elementor-widget__width-initial e-transform elementor-widget elementor-widget-heading\" data-id=\"8d6e581\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateX_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-36,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cuidado e seguran\u00e7a para quem voc\u00ea importa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-faf149e elementor-widget elementor-widget-spacer\" data-id=\"faf149e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"elementor-element elementor-element-e0657d2 elementor-widget elementor-widget-text-editor\" data-id=\"e0657d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sua fam\u00edlia merece a seguran\u00e7a e a tranquilidade no momento que mais necessitam. Conhe\u00e7a como \u00e9 f\u00e1cil, com contrata\u00e7\u00e3o descomplicada e que cabe no seu or\u00e7amento.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7e0d7b elementor-widget elementor-widget-spacer\" data-id=\"c7e0d7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcc7433 elementor-widget elementor-widget-button\" data-id=\"bcc7433\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/hild.seg.br\/index.php\/cotador\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cote agora<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e9eb592\" data-id=\"e9eb592\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55cf3e0 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"55cf3e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"597\" src=\"https:\/\/hild.seg.br\/wp-content\/uploads\/2024\/08\/Firefly-imagem-realistica-de-uma-mao-segurando-uma-chave-de-carro-nova-33371-768x597.jpg\" class=\"attachment-medium_large size-medium_large wp-image-18347\" alt=\"\" srcset=\"https:\/\/hild.seg.br\/wp-content\/uploads\/2024\/08\/Firefly-imagem-realistica-de-uma-mao-segurando-uma-chave-de-carro-nova-33371-768x597.jpg 768w, https:\/\/hild.seg.br\/wp-content\/uploads\/2024\/08\/Firefly-imagem-realistica-de-uma-mao-segurando-uma-chave-de-carro-nova-33371-300x233.jpg 300w, https:\/\/hild.seg.br\/wp-content\/uploads\/2024\/08\/Firefly-imagem-realistica-de-uma-mao-segurando-uma-chave-de-carro-nova-33371-1024x796.jpg 1024w, https:\/\/hild.seg.br\/wp-content\/uploads\/2024\/08\/Firefly-imagem-realistica-de-uma-mao-segurando-uma-chave-de-carro-nova-33371-1536x1195.jpg 1536w, https:\/\/hild.seg.br\/wp-content\/uploads\/2024\/08\/Firefly-imagem-realistica-de-uma-mao-segurando-uma-chave-de-carro-nova-33371-2048x1593.jpg 2048w, https:\/\/hild.seg.br\/wp-content\/uploads\/2024\/08\/Firefly-imagem-realistica-de-uma-mao-segurando-uma-chave-de-carro-nova-33371-535x416.jpg 535w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6e43367 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e43367\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-9d9aa52\" data-id=\"9d9aa52\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22f071a elementor-widget elementor-widget-spacer\" data-id=\"22f071a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35f2651 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"35f2651\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-grin-stars\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tConcretize seu sonho conquistando aquilo que mais deseja.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33ee684 animated-slow elementor-invisible elementor-widget elementor-widget-mae-partner-carousel\" data-id=\"33ee684\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"mae-partner-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n        <div class=\"master-carousel-box master-partner-carousel\" data-config='{\"column\":\"3\",\"gap\":\"0px\",\"arrowPosition\":null,\"arrowTopOffset\":null,\"dotOffset\":null,\"fullRight\":false,\"autoPlay\":true,\"prevNextButtons\":false,\"pageDots\":false,\"cellAlign\":\"center\",\"wrapAround\":false}'>\n                            <div class=\"master-partner item-carousel\">\n                    <a href=\"https:\/\/wa.me\/551637224117\">\n                        <img decoding=\"async\" alt=\"Logo\" src=\"https:\/\/hild.seg.br\/wp-content\/uploads\/2024\/08\/Firefly-imagem-realistica-de-fachada-de-uma-casa-65051.jpg\" \/>\n                    <\/a>\n                <\/div>\n                            <div class=\"master-partner item-carousel\">\n                    <a href=\"\">\n                        <img decoding=\"async\" alt=\"Logo\" src=\"https:\/\/hild.seg.br\/wp-content\/uploads\/2024\/08\/Firefly-imagem-realistica-de-um-carro-novo-na-estrada-20241.jpg\" \/>\n                    <\/a>\n                <\/div>\n                            <div class=\"master-partner item-carousel\">\n                    <a href=\"\">\n                        <img decoding=\"async\" alt=\"Logo\" src=\"https:\/\/hild.seg.br\/wp-content\/uploads\/2024\/08\/Firefly-imagem-realistica-de-um-caminhao-novo-na-estrada-96585.jpg\" \/>\n                    <\/a>\n                <\/div>\n                    <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0850d8 elementor-widget elementor-widget-spacer\" data-id=\"c0850d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-735cd90 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"735cd90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/wa.me\/551637224117\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"unic unic-play-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">  Fale conosco e saiba mais!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67b6a9d elementor-widget elementor-widget-spacer\" data-id=\"67b6a9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88e3de1 elementor-widget elementor-widget-video\" data-id=\"88e3de1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/ztim5vJm5F0?si=RW52KbvVpKlBb4AS&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7dff0f9 elementor-widget elementor-widget-spacer\" data-id=\"7dff0f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-710bfeb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"710bfeb\" 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-11cb39f\" data-id=\"11cb39f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c7e922c elementor-widget elementor-widget-icon-box\" data-id=\"c7e922c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTire suas d\u00favidas sobre cons\u00f3rcio.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ced0c7 elementor-widget elementor-widget-toggle\" data-id=\"6ced0c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1141\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1141\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Como funciona o cons\u00f3rcio?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1141\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1141\"><p>O\u00a0<strong>Cons\u00f3rcio Porto Bank<\/strong>\u00a0\u00e9 uma excelente op\u00e7\u00e3o para quem deseja adquirir bens de alto valor, como im\u00f3veis, carros, caminh\u00f5es, bicicletas ou pain\u00e9is solares. Vou explicar como funciona:<\/p><ol><li><p><strong>Defina seu objetivo<\/strong>: Antes de tudo, \u00e9 importante saber o que voc\u00ea deseja adquirir. Seja um im\u00f3vel, um carro, um caminh\u00e3o, uma bicicleta ou um sistema de energia solar.<\/p><\/li><li><p><strong>Solicite uma proposta<\/strong>: Acesse o site da\u00a0<strong>Porto Bank<\/strong>\u00a0ou converse com um corretor de seguros para solicitar uma proposta de cons\u00f3rcio. Um especialista em cons\u00f3rcio ir\u00e1 ajud\u00e1-lo a escolher o plano que melhor atenda \u00e0s suas necessidades.<\/p><\/li><li><p><strong>Personaliza\u00e7\u00e3o do contrato<\/strong>: Nesse momento, voc\u00ea definir\u00e1 a dura\u00e7\u00e3o do contrato, o valor do cr\u00e9dito desejado e o n\u00famero de parcelas. O cons\u00f3rcio oferece flexibilidade para se adequar ao seu perfil.<\/p><\/li><\/ol><p>Agora, vamos conhecer os tipos de cons\u00f3rcio dispon\u00edveis:<\/p><ul><li><strong>Cons\u00f3rcio de Ve\u00edculos<\/strong>: Ideal para carros, vans e outros ve\u00edculos novos e seminovos.<\/li><li><strong>Cons\u00f3rcio Imobili\u00e1rio<\/strong>: Perfeito para adquirir sua casa, apartamento ou im\u00f3veis comerciais. Voc\u00ea tamb\u00e9m pode usar 100% do saldo do FGTS para ofertar lances.<\/li><li><strong>Cons\u00f3rcio de Bike<\/strong>: Se voc\u00ea quer uma bicicleta urbana, el\u00e9trica, de estrada, mountain bike ou moto el\u00e9trica, o cons\u00f3rcio de bike \u00e9 uma \u00f3tima op\u00e7\u00e3o.<\/li><li><strong>Cons\u00f3rcio de Ve\u00edculos Pesados<\/strong>: Para a compra de caminh\u00f5es, \u00f4nibus, tratores e implementos agr\u00edcolas e rodovi\u00e1rios.<\/li><li><strong>Cons\u00f3rcio Sustent\u00e1vel<\/strong>: Se voc\u00ea deseja instalar placas solares em sua casa ou empresa, o cons\u00f3rcio sustent\u00e1vel \u00e9 a escolha certa.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1142\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1142\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">O que \u00e9 melhor, cons\u00f3rcio ou financiamento?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1142\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1142\"><p>A escolha entre cons\u00f3rcio e financiamento depende de diversos fatores. Vou explicar as principais diferen\u00e7as e quando cada op\u00e7\u00e3o pode ser mais vantajosa:<\/p><p><strong>Cons\u00f3rcio<\/strong>:<\/p><ul><li style=\"list-style-type: none;\"><ul><li><strong>Vantagens<\/strong>:<ul><li>N\u00e3o h\u00e1 pagamento de juros.<\/li><li>Possibilidade de ofertar lances e antecipar a contempla\u00e7\u00e3o.<\/li><li>Flexibilidade na escolha do valor do cr\u00e9dito e das parcelas.<\/li><\/ul><\/li><li><strong>Quando vale a pena<\/strong>:<ul><li>Se voc\u00ea tem paci\u00eancia para esperar a contempla\u00e7\u00e3o.<\/li><li>Se n\u00e3o precisa do bem imediatamente.<\/li><li>Se deseja evitar juros.<br \/><br \/><\/li><\/ul><\/li><\/ul><\/li><\/ul><p><strong>Financiamento<\/strong>:<\/p><ul><li style=\"list-style-type: none;\"><ul><li><strong>Vantagens<\/strong>:<ul><li>Aquisi\u00e7\u00e3o imediata do bem.<\/li><li>Parcelamento em prazo fixo.<\/li><li>Possibilidade de uso do bem durante o pagamento.<\/li><\/ul><\/li><li><strong>Quando vale a pena<\/strong>:<ul><li>Se precisa do bem com urg\u00eancia.<\/li><li>Se n\u00e3o tem disponibilidade para aguardar a contempla\u00e7\u00e3o.<\/li><li>Se est\u00e1 disposto a pagar juros.<\/li><\/ul><\/li><\/ul><\/li><\/ul><p>Temos ambas op\u00e7\u00f5es para ofertar para voc\u00ea. Fale conosco que encontraremos a melhor op\u00e7\u00e3o!<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1143\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1143\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Como ser contemplado no Cons\u00f3rcio?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1143\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1143\"><p>A contempla\u00e7\u00e3o em um cons\u00f3rcio pode ocorrer de duas maneiras principais: por\u00a0<strong>sorteio<\/strong>\u00a0ou por\u00a0<strong>lance<\/strong>. Vou explicar ambas e dar algumas dicas para aumentar suas chances de ser contemplado mais rapidamente:<\/p><ol><li><p><strong>Sorteio<\/strong>:<\/p><ul><li>Todos os meses, \u00e9 realizado um sorteio entre os cotistas do grupo.\u00a0<\/li><li>Para participar, \u00e9 necess\u00e1rio estar com os pagamentos em dia.<\/li><li>A contempla\u00e7\u00e3o por sorteio \u00e9 aleat\u00f3ria, mas todos t\u00eam oportunidades iguais.<\/li><\/ul><\/li><\/ol><p>\u00a0<\/p><ol><li><p><strong>Lance<\/strong>:<\/p><ul><li>O lance \u00e9 uma antecipa\u00e7\u00e3o das parcelas futuras. Voc\u00ea oferece um valor superior \u00e0 presta\u00e7\u00e3o mensal para tentar ser contemplado mais r\u00e1pido.<\/li><li>Planeje-se financeiramente para ofertar lances.<\/li><\/ul><\/li><\/ol><p><strong>Dicas para ser contemplado mais r\u00e1pido<\/strong>:<\/p><ul><li>Pague suas cotas na data correta.<\/li><li>Fa\u00e7a um bom planejamento financeiro.<\/li><li>Conhe\u00e7a bem o seu grupo de cons\u00f3rcio.<\/li><li>Utilize seu FGTS no lance.<\/li><li>Esteja atento ao calend\u00e1rio das assembleias.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1144\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1144\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">O que \u00e9 a taxa de administra\u00e7\u00e3o no cons\u00f3rcio?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1144\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1144\"><p>Ao aderir a um cons\u00f3rcio, voc\u00ea investe n\u00e3o apenas no objetivo final de adquirir um bem, mas tamb\u00e9m em sua disciplina financeira e realiza\u00e7\u00e3o de um sonho. A taxa de administra\u00e7\u00e3o inserida em sua parcela \u00e9 fundamental para o bom funcionamento do grupo e garantia de que todos cumpram o contrato. Por isso, encare esse valor como um investimento em seu planejamento pessoal e financeiro. No Cons\u00f3rcio Porto Bank, por exemplo, a taxa de administra\u00e7\u00e3o do cons\u00f3rcio de autom\u00f3veis varia entre 15% e 18%, conforme o plano escolhido. Aproveite a oportunidade de fazer parte de um grupo de pessoas dedicadas a alcan\u00e7ar seus objetivos de forma consciente e organizada.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1145\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1145\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Todos s\u00e3o contemplados no cons\u00f3rcio?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1145\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1145\"><p>Sim, at\u00e9 o final do prazo, todos que conclu\u00edram seus pagamentos receberam o valor almejado. Seja atrav\u00e9s de sorteio ou lance no decorrer dos meses ou no final do contrato.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1146\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1146\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">O que \u00e9 o fundo de reserva do cons\u00f3rcio?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1146\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1146\"><p>O fundo de reserva no cons\u00f3rcio \u00e9 uma seguran\u00e7a para os seus futuros investimentos. \u00c9 um valor inclu\u00eddo na sua parcela que garante que, caso ocorram imprevistos como inadimpl\u00eancias ou demandas jur\u00eddicas. E se porventura a reserva n\u00e3o for utilizada, todo o valor ser\u00e1 devolvido aos consorciados juntamente com a finaliza\u00e7\u00e3o do grupo, como uma bonifica\u00e7\u00e3o pelo seu empenho e comprometimento.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1147\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1147\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">O que acontece se eu cancelar o cons\u00f3rcio?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1147\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1147\"><p>Se houver necessidade de cancelamento do cons\u00f3rcio, existem dois cen\u00e1rios a serem considerados:<br \/><br \/>Para cons\u00f3rcios que se enquadram na Lei do Cons\u00f3rcio (Lei 11.795\/2008) e que foram inaugurados ap\u00f3s 06\/02\/2009, o participante continuar\u00e1 a participar do sorteio mensal, exclusivo para as cotas canceladas em cada grupo. Caso a cota n\u00e3o seja sorteada, o valor ser\u00e1 devolvido no encerramento do grupo ap\u00f3s a devida corre\u00e7\u00e3o. Ao ser contemplado, ser\u00e1 restitu\u00eddo o valor referente ao fundo comum, descontada a multa contratual.<br \/><br \/>J\u00e1 para cons\u00f3rcios que foram criados antes da Lei do Cons\u00f3rcio, o prazo para devolu\u00e7\u00e3o do valor pago \u00e9 de 60 dias ap\u00f3s o encerramento do grupo.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\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 Cuidado e seguran\u00e7a para quem voc\u00ea importa Sua fam\u00edlia merece a seguran\u00e7a e a tranquilidade no momento que mais necessitam. Conhe\u00e7a como \u00e9 f\u00e1cil, com contrata\u00e7\u00e3o descomplicada e que cabe no seu or\u00e7amento. Cote agora Concretize seu sonho conquistando aquilo que mais deseja. Fale conosco e saiba mais! Tire suas d\u00favidas sobre cons\u00f3rcio. Como<\/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":26,"href":"https:\/\/hild.seg.br\/index.php\/wp-json\/wp\/v2\/pages\/18334\/revisions"}],"predecessor-version":[{"id":18372,"href":"https:\/\/hild.seg.br\/index.php\/wp-json\/wp\/v2\/pages\/18334\/revisions\/18372"}],"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}]}}