{"id":1165,"date":"2020-11-26T21:26:05","date_gmt":"2020-11-26T23:26:05","guid":{"rendered":"http:\/\/herbicarconsorcio.com\/site\/?page_id=1165"},"modified":"2020-12-15T15:12:54","modified_gmt":"2020-12-15T17:12:54","slug":"mitos-e-verdades","status":"publish","type":"page","link":"http:\/\/herbicarconsorcio.com\/site\/mitos-e-verdades\/","title":{"rendered":"Mitos e Verdades"},"content":{"rendered":"<p><div class=\"fusion-bg-parallax\" data-bg-align=\"left center\" data-direction=\"up\" data-mute=\"false\" data-opacity=\"100\" data-velocity=\"-0.3\" data-mobile-enabled=\"false\" data-break_parents=\"0\" data-bg-image=\"http:\/\/herbicarconsorcio.com\/site\/wp-content\/uploads\/2019\/02\/blog-safety.jpg\" data-bg-repeat=\"false\" data-bg-color=\"#e0e0e0\" ><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container fusion-parallax-up nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-animated\" style=\"background-color: #e0e0e0;background-image: url(&quot;http:\/\/herbicarconsorcio.com\/site\/wp-content\/uploads\/2019\/02\/blog-safety.jpg&quot;);background-position: left center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:calc( 1140px + 0px );margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 41px 0px 0px 0px;\"><div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:30px;width:100%;\"><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-1{margin-top:0px!important; margin-right:0px!important;margin-bottom:31px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-1{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h1 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">Mitos e Verdades<\/h1><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-no-medium-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:30px;width:100%;\"><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 41px !important;padding-right : 0px !important;margin-right : 0px;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 0px;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-0{width:100% !important;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 102px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 27px;}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1185.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\"><p style=\"font-size: 24px; line-height: 35px; color: #3b423f;\" data-fusion-font=\"true\">A Herbicar Cons\u00f3rcio sabe que o sistema de cons\u00f3rcio \u00e9 visto por muitos como algo complexo. Mas com a experi\u00eancia de mais de 17 anos de atua\u00e7\u00e3o no mercado, iremos esclarecer pra voc\u00ea o que de fato \u00e9 uma verdade, exigida em contrato, e o que n\u00e3o passa de mito. Acompanhe!<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\"><b>Cancelei o meu cons\u00f3rcio e agora vou receber os valores pagos s\u00f3 quando encerrar o grupo de cons\u00f3rcio que eu participava ?<\/b><\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">N\u00e3o necessariamente! De acordo com a lei 11.795 publicada em fevereiro de 2009 pelo Banco Central, ao cancelar o seu cons\u00f3rcio, sua cota continua participando dos sorteios mensais normalmente, e assim que sorteada, ao inv\u00e9s de receber o bem contratado, recebe os devidos valores. Como as parcelas pagas anteriormente foram usadas para contemplar outras cotas nos respectivos meses, o valor investido n\u00e3o fica parado na cota, o que faz com que seja necess\u00e1rio aguardar o sorteio para receber estes valores. Essa medida de devolu\u00e7\u00e3o foi adotada pelo Banco Central para tornar a devolu\u00e7\u00e3o mais justa n\u00e3o s\u00f3 para os cancelados, mas tamb\u00e9m para todos os integrantes do grupo de cons\u00f3rcio! Veja a lei na \u00edntegra!<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\"><b>O vendedor disse que eu iria ser contemplada em um prazo espec\u00edfico!<\/b><\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">Como a contempla\u00e7\u00e3o no sistema de cons\u00f3rcio ocorre mediante o sorteio da cota na assembleia, n\u00e3o h\u00e1 como assegurarmos um prazo fixo para a contempla\u00e7\u00e3o. A mesma ocorrer\u00e1 dentro do prazo estipulado pelo grupo, e poder\u00e1 aumentar suas chances em caso de oferta de lance na cota, que ser\u00e1 sigiloso at\u00e9 o momento do sorteio, n\u00e3o havendo como garantir se ser\u00e1 ou n\u00e3o, a oferta contemplada.<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\"><b>Fui contemplada e n\u00e3o posso usar minha carta de cr\u00e9dito?<\/b><\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">Ap\u00f3s a contempla\u00e7\u00e3o de uma cota, a Herbicar Cons\u00f3rcio conta com um sistema moderno que realiza na hora uma an\u00e1lise cadastral do titular. Essa an\u00e1lise \u00e9 necess\u00e1ria para garantir a sa\u00fade financeira do grupo, sem que haja preju\u00edzos no saldo e para os demais cotistas n\u00e3o contemplados. Mediante a n\u00e3o aprova\u00e7\u00e3o do cadastro, o pr\u00f3prio sistema informar\u00e1 quais informa\u00e7\u00f5es e solicita\u00e7\u00f5es necess\u00e1rias a serem apresentadas para uma rean\u00e1lise do perfil, at\u00e9 a aprova\u00e7\u00e3o e libera\u00e7\u00e3o do cr\u00e9dito.<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\"><b>Cancelei meu cons\u00f3rcio e agora n\u00e3o posso mais fazer outro com o que j\u00e1 paguei?<\/b><\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">Quando uma cota est\u00e1 cancelada e em seu grupo h\u00e1 disponibilidade de vaga, voc\u00ea tem a op\u00e7\u00e3o de reativar sua cota, ou seja, mesmo depois de cancelada e substitu\u00edda por uma cota ativa, em caso de vaga dispon\u00edvel, voc\u00ea poder\u00e1 reativar sua cota e continuar pagando, diluindo as parcelas em atraso sobre as pr\u00f3ximas a pagar. Voc\u00ea continua a investir em seu sonho, sem perder nenhum centavo do que j\u00e1 foi pago!<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\"><b>A minha parcela aumentou do nada!<\/b><\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">As cotas de im\u00f3veis s\u00e3o reajustadas de acordo com o INCC (\u00cdndice Nacional de Constru\u00e7\u00e3o Civil) uma vez ao ano, mais especificamente, no anivers\u00e1rio do Grupo ( m\u00eas que o mesmo foi inaugurado ). Para as cotas de autom\u00f3veis, o \u00edndice de reajuste \u00e9 a Tabela do Fabricante , atualizado sempre de acordo com os valores informados pelas montadoras. Esse reajuste \u00e9 cobrado antes da contempla\u00e7\u00e3o, para que assim que sorteado, seu cr\u00e9dito esteja com o valor m\u00e9dio de mercado para compra do bem. Se sua cota j\u00e1 estiver contemplada, o reajuste tamb\u00e9m ocorre, para que os pr\u00f3ximos consorciados a contemplar, possam receber o valor atualizado para a compra.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-1{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-1{width:100% !important;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-1{width:100% !important;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:-50px;width:100%;\"><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-2{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-2{width:100% !important;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-2{width:100% !important;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-2{ padding-top : 80px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":[],"_links":{"self":[{"href":"http:\/\/herbicarconsorcio.com\/site\/wp-json\/wp\/v2\/pages\/1165"}],"collection":[{"href":"http:\/\/herbicarconsorcio.com\/site\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/herbicarconsorcio.com\/site\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/herbicarconsorcio.com\/site\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/herbicarconsorcio.com\/site\/wp-json\/wp\/v2\/comments?post=1165"}],"version-history":[{"count":2,"href":"http:\/\/herbicarconsorcio.com\/site\/wp-json\/wp\/v2\/pages\/1165\/revisions"}],"predecessor-version":[{"id":1314,"href":"http:\/\/herbicarconsorcio.com\/site\/wp-json\/wp\/v2\/pages\/1165\/revisions\/1314"}],"wp:attachment":[{"href":"http:\/\/herbicarconsorcio.com\/site\/wp-json\/wp\/v2\/media?parent=1165"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}