Consortiums

Interest-Free Planning

Understand why the consortium is the preferred purchasing modality for those who know how to calculate.

Many people still associate Consortium only with the "luck" of being contemplated. At Maximo Conceito, we treat the consortium as it really is: a powerful asset and financial leverage tool. Unlike bank financing where, at the end of the term, you pay two or three times the value of the asset due to compound interest, in the consortium you pay only a fixed administration fee diluted over the term.

We work with the largest and most solid administrators in the country to offer letters of credit for the most diverse purposes. Whether to buy your company's headquarters, renew your truck fleet, acquire agricultural machinery, or even invest in real estate for passive income, the consortium is the smartest financial math.

In addition, we are experts in bidding strategies. We do not "sell illusions"; we analyze the group's financial health, the average winning bids, and outline a real strategy to accelerate your contemplation, transforming long-term planning into short or medium-term reality.

Types of Consortium

Real Estate

Purchase of houses, apartments, commercial offices, industrial warehouses, or land. You can also use the letter for renovation or construction. It is the cheapest way to invest in the real estate market.

Heavy and Light Vehicles

Ideal for transport companies to renew their truck fleet or companies to buy utility vehicles. Rates infinitely lower than traditional CDC or Leasing.

Machinery and Equipment

Modernize your industry or hospital. Machinery consortium allows planning the technological update of your company without depleting cash all at once.

Nautical and Aerial

Dreaming of a boat or need a helicopter/executive jet for the company? The consortium makes high value-added assets viable with installments that don't weigh on the budget.

Services

Plan that international trip, wedding party, aesthetic procedures, or even high-cost courses abroad. All with consortium planning.

Working Capital?

Yes! By being contemplated in a real estate letter and leaving your own home as collateral, it is possible to raise capital (key exchange/structured operation) with consortium costs.

Who is it indicated for?

The consortium is democratic, but strategically indispensable for:

Investors: Who seek to build assets (real estate) paying little per month.
Logistics Companies: Who need to change trucks every 3 or 5 years.
Rural Producers: For scheduled purchase of land and tractors.
Liberal Professionals: Doctors and Dentists who want to set up or renovate their clinics.
You: Who don't want to pay abusive interest to banks.

Winning Strategies

The consortium goes far beyond "forced savings".

Real Estate Retirement

The client buys several letters, contemplates gradually, and buys real estate. The property rent pays the consortium installment. In 10 or 15 years, he has a millionaire estate "paying for itself".

Embedded Bid

Don't have money for the bid? Use part of the letter of credit itself (usually up to 30%) to bid. You receive a smaller credit, but anticipate contemplation without taking money out of your pocket.

Financing Settlement

Have an expensive financing? Enter a consortium. When contemplated, use the letter to pay off your debit balance at the bank, exchanging a debt with high interest for a debt without interest.

Patrimonial Succession

The consortium is an excellent tool for succession planning, allowing the transfer of resources and assets between generations with optimized tax costs.

Frequently Asked Questions (FAQ)

1. What is Administration Fee?

It is the amount paid to the administrator to manage the group. Unlike interest, it is fixed and diluted in all installments. It is the only charge (besides the reserve fund and insurance, if any).

2. Can I use my FGTS?

Yes! For residential real estate consortium, you can use your FGTS balance to offer bids, complement the letter of credit, or amortize installments after contemplation.

3. What if I stop paying?

You will be excluded from the group and participate in the "canceled" draws to receive the amount you paid back (with contractual penalty deductions) or you can sell your quota to third parties.

4. Does it take long to be contemplated?

It depends on your strategy. If you depend only on luck (draw), it may take time. If you have a bidding strategy (free, fixed, or embedded), the probability of short-term contemplation increases exponentially.

5. Does the installment value change?

Yes, annually letters of credit are readjusted (usually by INCC for real estate and IPCA or manufacturer's table value for vehicles) to ensure purchasing power. The installment follows this readjustment.