The Lack Of A Solution
Consortium is a meeting of individuals and/or legal entities that, constituting a group, with a previously determined duration and number of quotas, contribute, monthly, with an amount determined as a percentage of the value of the letter of credit. This resource goes to a common fund, with the aim of providing each of its participants, upon contemplation, with a credit equal to that specified in the plan chosen by the consortium member.As each one pays their quota every month, there is no interest on the operation . However, care must be taken with the amounts charged for administration fees . The value is free for companies. “A very high management fee can make the moible number data consortium a failure. It can be more expensive than financing”, explains the Relationship manager. Still on the consortium segment, highlight for the work carried out by credit cooperatives.
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The differential of these institutions is precisely in the management fee, considered one of the lowest practiced in the market. Not to mention that it is possible to monitor the quota on the internet and have personalized service at the cooperatives. In the case of a vehicle, Sicoob Consórcio , for example, administered by Ponta Administração de Consórcios, a company with more than 40 years of experience in the market and an affiliate of the Sicoob System.
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