Most administrators contemplate

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Offers a management fee for members from 7.5%. In private banks, the rate varies from 13% to 15%. See how it works in practice: “If you make a vehicle consortium with a five-year term, for example, you will pay 7.5% in the period and the variation in the value of the good. In the case of financing, with average rates of 10% per year, in the period, it will be practically 50% interest. It is a very significant amount”, reveals Wendel Rodrigues.
  
Another differential of Sicoob's vehicle consortium is contemplation by bidding. , monthly, one customer per lottery and between 1 and 5 per bid. At Sicoob, one per draw and up to 30 per bid are awarded each month. While the moible number data group has cash in hand, the consortium members are contemplated. Businesswoman Amanda Ribeiro de Castro, 29, has always liked consortia. Today, she has two shares of real estate and one of vehicles.



All from the Sicoob Consortium. The two properties have already been contemplated – one by lot and the other by bid. “It was a blessing from God to contemplate by lot”, she says. The automobile consortium she still awaits for contemplation. “The name of the consortium is 'program yourself'. If you have patience and program yourself correctly, the consortium is much better. If Brazilians did math, they would never take out financing.