{"id":347,"date":"2022-07-18T20:46:47","date_gmt":"2022-07-18T23:46:47","guid":{"rendered":"https:\/\/www.multiimob.com.br\/blog\/?p=347"},"modified":"2022-07-18T20:46:47","modified_gmt":"2022-07-18T23:46:47","slug":"como-funciona-um-consorcio-imobiliario","status":"publish","type":"post","link":"https:\/\/www.multiimob.com.br\/blog\/como-funciona-um-consorcio-imobiliario\/","title":{"rendered":"Como funciona um cons\u00f3rcio imobili\u00e1rio"},"content":{"rendered":"

Uma modalidade que funciona pela cria\u00e7\u00e3o de um grupo de pessoas que t\u00eam um mesmo interesse em comprar um im\u00f3vel. Entenda melhor como funciona um cons\u00f3rcio imobili\u00e1rio.<\/p>\n

 <\/p>\n

Como funciona o Cons\u00f3rcio Imobili\u00e1rio<\/strong><\/h3>\n

Qualquer cons\u00f3rcio funciona a partir da cria\u00e7\u00e3o de um grupo de pessoas com o mesmo interesse de compra. Os participantes do grupo pagam parcelas mensais, formando um fundo comum que ser\u00e1 usado para comprar im\u00f3vel.<\/p>\n

 <\/p>\n

Durante o per\u00edodo do cons\u00f3rcio, a administradora organiza sorteios para contemplar um ou mais participantes com o valor definido no come\u00e7o. Os participantes tamb\u00e9m podem realizar lances (oferecer uma antecipa\u00e7\u00e3o do pagamento) para acelerar o recebimento do pr\u00eamio.<\/p>\n

 <\/p>\n

Ap\u00f3s ser contemplado(a) voc\u00ea receber\u00e1 uma carta de cr\u00e9dito para comprar o im\u00f3vel.<\/p>\n

 <\/p>\n

Custos do Cons\u00f3rcio Imobili\u00e1rio<\/strong><\/h3>\n

Diferente do financiamento, no cons\u00f3rcio imobili\u00e1rio n\u00e3o h\u00e1 pagamento de juros \u00e0 institui\u00e7\u00e3o financeira. Mas existem algumas taxas que s\u00e3o importantes verificar antes de comprar qualquer cons\u00f3rcio. S\u00e3o elas: taxa de administra\u00e7\u00e3o, seguro e fundo de reserva.<\/p>\n

 <\/p>\n

Utilize o FGTS no cons\u00f3rcio de im\u00f3vel<\/strong><\/h3>\n

Os recursos retidos no Fundo de Garantia, que costumam ser utilizados no financiamento, tamb\u00e9m podem ser aproveitados para acelerar o processo do cons\u00f3rcio. Veja algumas formas de utiliza\u00e7\u00e3o:<\/p>\n

 <\/p>\n

– Para dar um lance.<\/p>\n

– Para complementar o valor do im\u00f3vel (Carta de cr\u00e9dito + Saldo do FGTS);<\/p>\n

– Para quitar o saldo devedor do cons\u00f3rcio (se houver);<\/p>\n

– Para pagar parte das parcelas.<\/p>\n

 <\/p>\n

Vantagens e desvantagens do cons\u00f3rcio imobili\u00e1rio<\/strong><\/h3>\n

 <\/p>\n

As duas grandes vantagens<\/strong> de participar do cons\u00f3rcio imobili\u00e1rio s\u00e3o: n\u00e3o pagar juros e a possibilidade de vir a comprar um im\u00f3vel sem entrada.<\/p>\n

 <\/p>\n

Por\u00e9m, dependendo do seu caso, pode ser que esta modalidade n\u00e3o seja a mais indicada. Confira alguns pontos que podemos destacar como desvantagens<\/strong>:<\/p>\n

– O pre\u00e7o do im\u00f3vel pode subir e voc\u00ea ter\u00e1 que complementar a carta de cr\u00e9dito.<\/p>\n

– N\u00e3o \u00e9 adequado para quem tem pressa, pois n\u00e3o h\u00e1 como ter certeza de quando ter\u00e1 uma contempla\u00e7\u00e3o, o que \u00e9 fundamental para a utiliza\u00e7\u00e3o dos recursos do cons\u00f3cio.<\/p>\n

– \u00c9 recomend\u00e1vel ter verba para realizar lances.<\/p>\n

– Tamb\u00e9m envolve an\u00e1lise de cr\u00e9dito a ser realizada ap\u00f3s a contempla\u00e7\u00e3o e a utiliza\u00e7\u00e3o dos recursos do cons\u00f3cio depender\u00e1 dessa aprova\u00e7\u00e3o pr\u00e9via.<\/p>\n

– Existe um processo com v\u00e1rias etapas a serem cumpridas junto \u00e0 institui\u00e7\u00e3o de cons\u00f3rcio, a qual exigir\u00e1 v\u00e1rios documentos para a contrata\u00e7\u00e3o do cons\u00f3rcio.<\/p>\n

Agora voc\u00ea j\u00e1 sabe melhor como funciona um cons\u00f3rcio imobili\u00e1rio. Lembre-se de escolher uma administradora confi\u00e1vel, pesquise as melhores taxas do mercado e fique atento(a) \u00e0s ofertas boas demais.<\/p>\n

Qualquer d\u00favida conte conosco.\u00a0Clique aqui<\/a>\u00a0e fale com nossa equipe.<\/p>\n","protected":false},"excerpt":{"rendered":"

Uma modalidade que funciona pela cria\u00e7\u00e3o de um grupo de pessoas que t\u00eam um mesmo interesse em comprar um im\u00f3vel. Entenda melhor como funciona um cons\u00f3rcio imobili\u00e1rio.   Como funciona o Cons\u00f3rcio Imobili\u00e1rio Qualquer cons\u00f3rcio funciona a partir da cria\u00e7\u00e3o de um grupo de pessoas com o mesmo interesse de compra. Os participantes do grupo […]<\/p>\n","protected":false},"author":1,"featured_media":1113,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[91,92],"class_list":["post-347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dicas","tag-carta-contemplada","tag-consorcio-imobiliario"],"yoast_head":"\nComo funciona um cons\u00f3rcio imobili\u00e1rio - Multi Imob<\/title>\n<meta name=\"description\" content=\"Entenda melhor como funciona esta modalidade e saiba como utilizar uma carta de cr\u00e9dito contemplada para comprar um im\u00f3vel.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.multiimob.com.br\/blog\/como-funciona-um-consorcio-imobiliario\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Como funciona um cons\u00f3rcio imobili\u00e1rio - 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