{"id":14,"date":"2019-01-29T07:58:05","date_gmt":"2019-01-29T07:58:05","guid":{"rendered":"http:\/\/herbicarconsorcio.com\/site\/?page_id=14"},"modified":"2020-12-02T19:33:09","modified_gmt":"2020-12-02T21:33:09","slug":"entendendo-o-consorcio","status":"publish","type":"page","link":"http:\/\/herbicarconsorcio.com\/site\/entendendo-o-consorcio\/","title":{"rendered":"Entendendo o Cons\u00f3rcio"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-image: url(&quot;https:\/\/avada.theme-fusion.com\/driving\/wp-content\/uploads\/sites\/114\/2019\/02\/prices-hero-background.jpg&quot;);background-position: right bottom;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;\" ><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: 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: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;\">Entendendo o Cons\u00f3rcio<\/h1><\/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 : 0px !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 : 190px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/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: #e6f0f6;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 fusion-flex-align-self-flex-start fusion-column-no-min-height fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.6\" data-animationOffset=\"100%\"><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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-2{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-2{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;\">Entenda e descubra como funciona o Cons\u00f3rcio!<\/h2><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-3{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-3{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-rotating fusion-loop-off fusion-title-bounceIn 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:#1e1e1e;\"><span class=\"fusion-animated-text-prefix\"><\/span>  <span class=\"fusion-animated-text-postfix\"><\/span><\/h1><\/div><div class=\"fusion-text fusion-text-1\" style=\"font-size:24px;\"><p style=\"line-height: 35px;\" data-fusion-font=\"true\">O Sistema de Cons\u00f3rcios \u00e9 modalidade de acesso ao mercado de consumo baseado na uni\u00e3o de pessoas f\u00edsicas ou jur\u00eddicas, em grupo fechado, cuja finalidade \u00e9 formar poupan\u00e7a comum destinada a aquisi\u00e7\u00e3o de bens m\u00f3veis e im\u00f3veis, por meio de autofinanciamento.<\/p>\n<p style=\"line-height: 35px;\" data-fusion-font=\"true\">O princ\u00edpio do Sistema de Cons\u00f3rcios \u00e9 o seguinte: os consorciados, tamb\u00e9m conhecidos por cotistas, contribuem com parcela destinada \u00e0 forma\u00e7\u00e3o de poupan\u00e7a comum. Todos os participantes do grupo t\u00eam assegurado o direito de utilizar essa poupan\u00e7a para a aquisi\u00e7\u00e3o de bem ou servi\u00e7o, de acordo com as regras previstas no contrato do grupo. Ou seja: as contribui\u00e7\u00f5es pagas ao grupo destinam-se, periodicamente, a contemplar seus integrantes com cr\u00e9dito que ser\u00e1 destinado \u00e0 compra do bem.<\/p>\n<p style=\"line-height: 35px;\" data-fusion-font=\"true\">Portanto, cons\u00f3rcio \u00e9 a arte de poupar em grupo. Se voc\u00ea n\u00e3o precisa de imediato de um determinado bem e se puder aplicar parte de sua renda, aquela que n\u00e3o ser\u00e1 utilizada como despesa, voc\u00ea tem o perfil de um poupador e portanto, de um consorciado.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-1{width:100% !important;margin-top : 0px;margin-bottom : 40px;}.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 fusion-flex-align-self-flex-start fusion-column-no-min-height fusion-animated\" data-animationType=\"fadeInRight\" data-animationDuration=\"0.6\" data-animationOffset=\"100%\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center 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-2\"><h2>O Banco Central do Brasil<\/h2>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">O Banco Central do Brasil, de acordo com a Lei n\u00ba 11.795\/2008, \u00e9 a autoridade competente para normatizar e fiscalizar o Sistema de Cons\u00f3rcios no Brasil.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-2{width:100% !important;margin-top : 0px;margin-bottom : 40px;}.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><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: #e6f0f6;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:calc( 1140px + 0px );margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationType=\"fadeInUp\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-4{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-4{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#1e1e1e;\">Formas de Participa\u00e7\u00e3o no Grupo de Cons\u00f3rcio<\/h2><\/div><ul class=\"fusion-checklist fusion-checklist-1\" style=\"font-size:30px;line-height:51px;\"><li class=\"fusion-li-item\"><span style=\"height:51px;width:51px;margin-right:21px;\" class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa fa-check\" style=\"color:#18a543;\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\" style=\"margin-left:72px;\">\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">Em forma\u00e7\u00e3o: neste caso a administradora ainda est\u00e1 reunindo as pessoas em n\u00famero suficiente que permita atingir o objetivo do Cons\u00f3rcio, ou seja, contempla\u00e7\u00e3o de seus integrantes em prazo predeterminado.<\/p>\n<\/div><\/li><li class=\"fusion-li-item\"><span style=\"height:51px;width:51px;margin-right:21px;\" class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa fa-check\" style=\"color:#18a543;\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\" style=\"margin-left:72px;\">\n<p style=\"line-height: 35px; font-size: 24px;\" data-fusion-font=\"true\">J\u00e1 formado (\u00e9 aquele grupo que j\u00e1 realizou a assembleia de constitui\u00e7\u00e3o, ou seja, j\u00e1 est\u00e1 operando!<\/p>\n<\/div><\/li><li class=\"fusion-li-item\"><span style=\"height:51px;width:51px;margin-right:21px;\" class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa fa-check\" style=\"color:#18a543;\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\" style=\"margin-left:72px;\">\n<p style=\"line-height: 35px; font-size: 24px;\" data-fusion-font=\"true\">Cota vaga: essa cota est\u00e1 dispon\u00edvel \u00e0 comercializa\u00e7\u00e3o. A aquisi\u00e7\u00e3o da cota \u00e9 feita diretamente com a administradora.<\/p>\n<\/div><\/li><li class=\"fusion-li-item\"><span style=\"height:51px;width:51px;margin-right:21px;\" class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa fa-check\" style=\"color:#18a543;\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\" style=\"margin-left:72px;\">\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">Cota de transfer\u00eancia: (cess\u00e3o de contrato de participa\u00e7\u00e3o com a anu\u00eancia da administradora): voc\u00ea compra a cota diretamente do consorciado. Voc\u00ea estar\u00e1 assumindo, portanto, integralmente os direitos e as obriga\u00e7\u00f5es do consorciado que est\u00e1 sendo substitu\u00eddo.<\/p>\n<\/div><\/li><\/ul><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-3{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-3 > .fusion-column-wrapper {padding-top : 0px !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-3{width:100% !important;order : 0;}.fusion-builder-column-3 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-3{width:100% !important;order : 0;}.fusion-builder-column-3 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-3{ padding-top : 40px;margin-top : 0px;padding-right : 0px;padding-bottom : 120px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: #e6f0f6;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:calc( 1140px + 0px );margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-5{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-5{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#1e1e1e;\">Bens que Poder\u00e3o ser Objeto do Contrato de Cons\u00f3rcio<\/h2><\/div><div class=\"fusion-text fusion-text-3\"><p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">O grupo de Cons\u00f3rcio poder\u00e1 ser referenciado em bens m\u00f3veis, conjunto de bens m\u00f3veis ou bem im\u00f3vel. O grupo poder\u00e1 ser, ainda, constitu\u00eddo por bens de pre\u00e7os diferenciados pertencentes a uma das seguintes classes:<\/p>\n<\/div><ul class=\"fusion-checklist fusion-checklist-2\" style=\"font-size:30px;line-height:51px;\"><li class=\"fusion-li-item\"><span style=\"height:51px;width:51px;margin-right:21px;\" class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa fa-check\" style=\"color:#18a543;\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\" style=\"margin-left:72px;\">\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\"><b>Classe I:<\/b> ve\u00edculo automotor (autom\u00f3veis, camionetas, utilit\u00e1rios, buguies, motocicletas, motonetas, ciclomotores, triciclos, \u00f4nibus, micro-\u00f4nibus, caminh\u00f5es, tratores etc), aeronave, embarca\u00e7\u00e3o, m\u00e1quinas e equipamentos.<\/p>\n<\/div><\/li><li class=\"fusion-li-item\"><span style=\"height:51px;width:51px;margin-right:21px;\" class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa fa-check\" style=\"color:#18a543;\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\" style=\"margin-left:72px;\">\n<p style=\"line-height: 35px; font-size: 24px;\" data-fusion-font=\"true\"><b>Classe II:<\/b> produtos eletroeletr\u00f4nicos e demais bens m\u00f3veis dur\u00e1veis ou conjunto de bens m\u00f3veis, nacionais ou importados, excetuados os referidos na Classe I.<\/p>\n<\/div><\/li><li class=\"fusion-li-item\"><span style=\"height:51px;width:51px;margin-right:21px;\" class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa fa-check\" style=\"color:#18a543;\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\" style=\"margin-left:72px;\">\n<p style=\"line-height: 35px; font-size: 24px;\" data-fusion-font=\"true\"><b>Classe III:<\/b> bens im\u00f3veis que poder\u00e3o ser residenciais, comerciais, rurais, constru\u00eddos ou na planta e terrenos, incluindo-se reforma e im\u00f3vel vinculado a empreendimento imobili\u00e1rio.<\/p>\n<\/div><\/li><\/ul><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-4{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-4 > .fusion-column-wrapper {padding-top : 0px !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-4{width:100% !important;order : 0;}.fusion-builder-column-4 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-4{width:100% !important;order : 0;}.fusion-builder-column-4 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-4{ padding-top : 40px;margin-top : 0px;padding-right : 0px;padding-bottom : 120px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: #e6f0f6;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:calc( 1140px + 0px );margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-6{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-6{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#1e1e1e;\">Prazos de Dura\u00e7\u00e3o dos Grupos<\/h2><\/div><div class=\"fusion-text fusion-text-4\"><p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">O prazo de dura\u00e7\u00e3o do grupo \u00e9 o per\u00edodo de tempo que o consorciado disp\u00f5e para o pagamento do cr\u00e9dito contratado. Esse prazo ser\u00e1 prefixado pela administradora e constar\u00e1 obrigatoriamente de contrato.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-5{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-5 > .fusion-column-wrapper {padding-top : 0px !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-5{width:100% !important;order : 0;}.fusion-builder-column-5 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-5{width:100% !important;order : 0;}.fusion-builder-column-5 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-7{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-7{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#1e1e1e;\">Presta\u00e7\u00f5es<\/h2><\/div><div class=\"fusion-text fusion-text-5\"><p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">A data de vencimento da presta\u00e7\u00e3o \u00e9 fixada pela administradora. O consorciado obriga-se a pagar, na periodicidade indicada em contrato, presta\u00e7\u00e3o cujo valor ser\u00e1 a soma das import\u00e2ncias referentes ao fundo comum, ao fundo de reserva (se existente), seguro (se contratado) e \u00e0 taxa de administra\u00e7\u00e3o.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-6{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-6 > .fusion-column-wrapper {padding-top : 0px !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-6{width:100% !important;order : 0;}.fusion-builder-column-6 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-6{width:100% !important;order : 0;}.fusion-builder-column-6 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-8{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-8{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#1e1e1e;\">Antecipa\u00e7\u00e3o de Pagamento de Presta\u00e7\u00e3o Mensal e do Saldo Devedor<\/h2><\/div><div class=\"fusion-text fusion-text-6\"><p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">Pagamento Antecipado de Presta\u00e7\u00f5es &#8211; verifique no contrato as condi\u00e7\u00f5es para o pagamento antecipado de presta\u00e7\u00f5es. Veja se a ordem de quita\u00e7\u00e3o \u00e9 direta ou inversa. Se a ordem \u00e9 inversa, a antecipa\u00e7\u00e3o de pagamento quitar\u00e1 as presta\u00e7\u00f5es vincendas a contar da \u00faltima. Se a ordem \u00e9 direta, o valor antecipado indicar\u00e1 o n\u00famero de parcelas consecutivas pagas, retomando-se a seguir os pagamentos a serem efetuados nas datas do respectivo vencimento.<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">Liquida\u00e7\u00e3o do Saldo Devedor &#8211; o consorciado que j\u00e1 tenha adquirido seu bem ou servi\u00e7o e quitar a totalidade do d\u00e9bito encerrar\u00e1 sua participa\u00e7\u00e3o no grupo, com a consequente libera\u00e7\u00e3o das garantias fornecidas.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-7{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-7 > .fusion-column-wrapper {padding-top : 0px !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-7{width:100% !important;order : 0;}.fusion-builder-column-7 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-7{width:100% !important;order : 0;}.fusion-builder-column-7 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-9{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-9{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#1e1e1e;\">Contempla\u00e7\u00e3o<\/h2><\/div><div class=\"fusion-text fusion-text-7\"><p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">A contempla\u00e7\u00e3o \u00e9 a atribui\u00e7\u00e3o ao consorciado do cr\u00e9dito para a aquisi\u00e7\u00e3o de bem ou servi\u00e7o, bem como para a restitui\u00e7\u00e3o das parcelas pagas, no caso dos consorciados exclu\u00eddos cujo grupo tenha sido constitu\u00eddo a partir de 06 de fevereiro de 2009.<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\"><b>Duas s\u00e3o as modalidades de contempla\u00e7\u00e3o:<\/b><\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\"><b>Sorteio <\/b>&#8211; a contempla\u00e7\u00e3o por essa modalidade reflete a pr\u00f3pria ess\u00eancia do Cons\u00f3rcio, de vez que todo consorciado ativo em dia com o pagamento de suas contribui\u00e7\u00f5es e o consorciado exclu\u00eddo concorrem em absoluta igualdade de condi\u00e7\u00f5es. \u00c9 consorciado ativo aquele que mant\u00e9m v\u00ednculo obrigacional com o grupo, excetuado o participante inadimplente n\u00e3o contemplado e o exclu\u00eddo. Para assegurar seu direito de participar do sorteio verifique no contrato quais as condi\u00e7\u00f5es exigidas.<b><br \/>\n<\/b><\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\"><b>Lance <\/b>&#8211; ap\u00f3s a realiza\u00e7\u00e3o do sorteio, ser\u00e1 admitida a contempla\u00e7\u00e3o mediante o oferecimento de lance pelos consorciados ativos. Os crit\u00e9rios para oferta e desempate de lances ser\u00e3o definidos em contrato. Portanto, verifique no contrato, que voc\u00ea assinou, as condi\u00e7\u00f5es para participar do sistema de lance. \u00c9 admitida, desde que previsto em contrato, a contempla\u00e7\u00e3o por meio de lance embutido, que nada mais \u00e9 do que a oferta de recursos mediante utiliza\u00e7\u00e3o de parte do valor do cr\u00e9dito previsto para distribui\u00e7\u00e3o na respectiva assembleia.<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">No caso de Cons\u00f3rcio de im\u00f3vel residencial, o consorciado poder\u00e1 utilizar o saldo da sua conta vinculada ao FGTS para ofertar lance, complementar o cr\u00e9dito, amortizar, liquidar ou pagar parte das presta\u00e7\u00f5es da cota, conforme as atuais regras constantes do manual da Caixa Econ\u00f4mica Federal, \u00f3rg\u00e3o gestor do FGTS. Verifique, tamb\u00e9m, o contrato de participa\u00e7\u00e3o em grupo de Cons\u00f3rcio para aquisi\u00e7\u00e3o de im\u00f3vel.<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\"><b>\u00a0<\/b><\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-8{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-8 > .fusion-column-wrapper {padding-top : 0px !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-8{width:100% !important;order : 0;}.fusion-builder-column-8 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-8{width:100% !important;order : 0;}.fusion-builder-column-8 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-10{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-10{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#1e1e1e;\">Utiliza\u00e7\u00e3o do Cr\u00e9dito Contemplado<\/h2><\/div><div class=\"fusion-text fusion-text-8\"><p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">O consorciado contemplado poder\u00e1 utilizar o cr\u00e9dito para adquirir o bem, conjunto de bens ou servi\u00e7o, conforme estabelece o contrato.<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">Para utilizar o cr\u00e9dito, o consorciado ativo contemplado dever\u00e1 apresentar garantias ao grupo, que estar\u00e3o indicadas no contrato firmado.<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">O contemplado poder\u00e1 determinar o momento da aquisi\u00e7\u00e3o e indicar a pessoa vendedora do bem ou prestador do servi\u00e7o.<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">O consorciado contemplado dever\u00e1 comunicar a sua op\u00e7\u00e3o de compra \u00e0 administradora, formalmente, com os seguintes dados:<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">a) a identifica\u00e7\u00e3o completa do contemplado e do vendedor do bem ou prestador do servi\u00e7o, com endere\u00e7o e o n\u00famero de inscri\u00e7\u00e3o no Cadastro de Pessoas F\u00edsicas (CPF\/MF) ou do Cadastro Nacional de Pessoas Jur\u00eddicas (CNPJ\/MF);<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">b) as caracter\u00edsticas do bem, conjunto de bens, servi\u00e7o ou conjunto de servi\u00e7os objeto da op\u00e7\u00e3o e as condi\u00e7\u00f5es de pagamento acordadas entre o contemplado e o vendedor ou fornecedor. O consorciado contemplado poder\u00e1 utilizar at\u00e9 10% de seu cr\u00e9dito para pagamento de despesas vinculadas ao bem ou servi\u00e7o, que est\u00e1 adquirindo, relativamente \u00e0s despesas com transfer\u00eancia de propriedade, tributos, registros cartoriais, institui\u00e7\u00f5es de registro e seguros.<\/p>\n<p style=\"line-height: 35px; font-size: 24px;\" data-fusion-font=\"true\"><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">No <\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">caso de aquisi\u00e7\u00e3o de im\u00f3vel residencial, o consorciado poder\u00e1 utilizar o saldo da sua conta vin<\/span><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">culada ao FGTS para ofertar lance, amortizar, liquidar ou pagar parte das presta\u00e7\u00f5es do cons\u00f3rcio ou complementar o cr\u00e9dito, conforme as atuais regras constantes do manual da Caixa Econ\u00f4mica Federal, \u00f3rg\u00e3o gestor do FGTS.<\/span><\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">O contemplado poder\u00e1 destinar o cr\u00e9dito para a quita\u00e7\u00e3o total de financiamento de sua titularidade, sujeita \u00e0 pr\u00e9via anu\u00eancia da administradora e ao atendimento de condi\u00e7\u00f5es estabelecidas no contrato de cons\u00f3rcio.<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">O consorciado contemplado poder\u00e1, ainda, solicitar a convers\u00e3o do cr\u00e9dito em dinheiro, ap\u00f3s 180 dias da contempla\u00e7\u00e3o. Para tanto, dever\u00e1 pagar integralmente o d\u00e9bito junto ao grupo e \u00e0 administradora, cujo valor poder\u00e1 ser deduzido do cr\u00e9dito a que tem direito.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-9{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-9 > .fusion-column-wrapper {padding-top : 0px !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-9{width:100% !important;order : 0;}.fusion-builder-column-9 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-9{width:100% !important;order : 0;}.fusion-builder-column-9 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-11{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-11{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-11 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#1e1e1e;\">Atraso ou Falta de Pagamento das Presta\u00e7\u00f5es<\/h2><\/div><div class=\"fusion-text fusion-text-9\"><p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">Se em rela\u00e7\u00e3o a qualquer d\u00edvida devemos ser pontuais no pagamento, no Cons\u00f3rcio essa provid\u00eancia \u00e9 muito importante porque o grupo depende da contribui\u00e7\u00e3o de todos os participantes para cumprir seu objetivo: atribuir cr\u00e9dito aos consorciados para que estes possam ter acesso ao mercado de consumo. Por isso, o atraso ou falta de pagamento de presta\u00e7\u00e3o ter\u00e1 para o consorciado devedor as seguintes consequ\u00eancias:<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">a) n\u00e3o poder\u00e1 votar nas Assembleias Gerais Extraordin\u00e1rias;<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">b) n\u00e3o poder\u00e1 participar do sorteio e\/ou do lance, dependendo do que dispuser o contrato;<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">c) arcar\u00e1 com juros de 1% ao m\u00eas e multa de 2%, sobre as parcelas n\u00e3o pagas, cujo valor ser\u00e1 calculado sobre o pre\u00e7o atualizado do bem ou servi\u00e7o;<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">d) se o n\u00e3o contemplado atrasar mais de uma presta\u00e7\u00e3o, poder\u00e1 ser exclu\u00eddo do grupo conforme estiver estabelecido no contrato;<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">e) se contemplado e desde que n\u00e3o tenha utilizado o cr\u00e9dito poder\u00e1 ter sua contempla\u00e7\u00e3o cancelada por delibera\u00e7\u00e3o da Assembleia Geral Ordin\u00e1ria;<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">f) caso j\u00e1 esteja na posse do bem e o atraso for superior a 30 dias, a administradora poder\u00e1 executar as garantias fornecidas pelo consorciado, al\u00e9m de cobrar a multa e os juros.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-10{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-10 > .fusion-column-wrapper {padding-top : 0px !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-10{width:100% !important;order : 0;}.fusion-builder-column-10 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-10{width:100% !important;order : 0;}.fusion-builder-column-10 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-12{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-12{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-12 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#1e1e1e;\">Dicas importantes no caso de atraso ou falta de pagamento das presta\u00e7\u00f5es:<\/h2><\/div><div class=\"fusion-text fusion-text-10\"><p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">a) procure a administradora e tente fazer um acordo. Ela n\u00e3o estar\u00e1 obrigada a fazer acordo e algumas vezes n\u00e3o poder\u00e1 mesmo faz\u00ea-lo. Entretanto, far\u00e1 o poss\u00edvel para ajud\u00e1-lo;<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">b) se voc\u00ea ainda n\u00e3o tiver sido contemplado, e notar que n\u00e3o vai mesmo conseguir pagar suas presta\u00e7\u00f5es, poder\u00e1, com a concord\u00e2ncia da administradora, optar por um bem ou conjunto de bens de menor valor. Assim, sua presta\u00e7\u00e3o diminuir\u00e1 na mesma propor\u00e7\u00e3o do valor do bem escolhido. Voc\u00ea pode, ainda, transferir sua cota para outra pessoa.<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\"><span style=\"color: #dd0841;\"><b>Importante: O n\u00e3o recebimento de boleto banc\u00e1rio n\u00e3o desobriga o consorciado do pagamento da presta\u00e7\u00e3o, quando o mesmo conhecer a data de vencimento e o local para pagamento.<\/b><\/span><\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-11{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-11 > .fusion-column-wrapper {padding-top : 0px !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-11{width:100% !important;order : 0;}.fusion-builder-column-11 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-11{width:100% !important;order : 0;}.fusion-builder-column-11 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-13{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-13{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-13 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#1e1e1e;\">Exclus\u00e3o do Consorciado do Grupo de Cons\u00f3rcio<\/h2><\/div><div class=\"fusion-text fusion-text-11\"><p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">Grupos de cons\u00f3rcios constitu\u00eddos at\u00e9 5 de fevereiro de 2009: Ocorrendo a exclus\u00e3o do consorciado por falta de pagamento de presta\u00e7\u00e3o, a devolu\u00e7\u00e3o das quantias pagas ao fundo comum, e se for o caso o fundo de reserva, ser\u00e1 feita pela administradora somente no final do grupo. Do valor a ser restitu\u00eddo ao exclu\u00eddo poder\u00e1 ser aplicada cl\u00e1usula penal em virtude da quebra de contrato. A quebra do contrato pelo exclu\u00eddo afeta tanto o grupo como a administradora, por isso, a cl\u00e1usula penal poder\u00e1 ser institu\u00edda em favor do grupo e da administradora. Verifique seu contrato.<\/p>\n<p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">Grupos de cons\u00f3rcios constitu\u00eddos a partir de 6 de fevereiro de 2009: Ocorrendo a exclus\u00e3o do consorciado por falta de pagamento de presta\u00e7\u00e3o, o consorciado participar\u00e1 dos sorteios realizados nas assembleias gerais ordin\u00e1rias de contempla\u00e7\u00e3o, observadas as regras e condi\u00e7\u00f5es contratuais, com o fim exclusivo de devolu\u00e7\u00e3o das quantias pagas ao fundo comum. Do valor a ser restitu\u00eddo ao exclu\u00eddo poder\u00e1 ser aplicada cl\u00e1usula penal (redutor) em virtude da quebra de contrato.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-12{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-12 > .fusion-column-wrapper {padding-top : 0px !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-12{width:100% !important;order : 0;}.fusion-builder-column-12 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-12{width:100% !important;order : 0;}.fusion-builder-column-12 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-14{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-14{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-14 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#1e1e1e;\">Contrato de Participa\u00e7\u00e3o no Grupo de Cons\u00f3rcio<\/h2><\/div><div class=\"fusion-text fusion-text-12\"><p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">O contrato de participa\u00e7\u00e3o em grupo de cons\u00f3rcio criar\u00e1 v\u00ednculos entre os consorciados, e destes com a administradora, para proporcionar a todos igual condi\u00e7\u00e3o de acesso ao mercado de consumo de bens. Portanto, antes de assinar o contrato, leia-o atentamente para conhecer seus direitos e obriga\u00e7\u00f5es.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-13{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-13 > .fusion-column-wrapper {padding-top : 0px !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-13{width:100% !important;order : 0;}.fusion-builder-column-13 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-13{width:100% !important;order : 0;}.fusion-builder-column-13 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 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;\"><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-15{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-15{margin-top:0px!important; margin-right:0px!important;margin-bottom:20px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-15 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"margin-top:0px;margin-right:0px;margin-bottom:31px;margin-left:0px;\"><h2 class=\"title-heading-left\" style=\"margin:0;color:#1e1e1e;\"><\/h2><\/div><div class=\"fusion-text fusion-text-13\"><p style=\"font-size: 24px; line-height: 35px;\" data-fusion-font=\"true\">Fonte: ABAC &#8211; <span style=\"color: #00bf6f;\"><a href=\"http:\/\/abac.org.br\/\" target=\"_blank\" rel=\"noopener noreferrer\">Associa\u00e7\u00e3o Brasileira das Administradoras de Cons\u00f3rcios<\/a><\/span><\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-14{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-14 > .fusion-column-wrapper {padding-top : 0px !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-14{width:100% !important;order : 0;}.fusion-builder-column-14 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-14{width:100% !important;order : 0;}.fusion-builder-column-14 > .fusion-column-wrapper {margin-right : 0px;margin-left : 0px;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-5{ padding-top : 40px;margin-top : 0px;padding-right : 0px;padding-bottom : 120px;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\/14"}],"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=14"}],"version-history":[{"count":0,"href":"http:\/\/herbicarconsorcio.com\/site\/wp-json\/wp\/v2\/pages\/14\/revisions"}],"wp:attachment":[{"href":"http:\/\/herbicarconsorcio.com\/site\/wp-json\/wp\/v2\/media?parent=14"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}