{"id":24,"date":"2022-09-08T16:37:17","date_gmt":"2022-09-08T19:37:17","guid":{"rendered":"https:\/\/novo.hsconsorcios.com.br\/?page_id=24"},"modified":"2024-07-02T15:43:42","modified_gmt":"2024-07-02T18:43:42","slug":"entenda-mais-sobre-consorcio","status":"publish","type":"page","link":"https:\/\/demo.happ.com.br\/hsconsorcios\/entenda-mais-sobre-consorcio\/","title":{"rendered":"Entenda + sobre cons\u00f3rcio"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"24\" class=\"elementor elementor-24\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-bf6cae5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bf6cae5\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider make-column-clickable-elementor elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b35ef87\" style=\"cursor: pointer;\" data-column-clickable=\"https:\/\/demo.happ.com.br\/hsconsorcios\/entenda-mais-sobre-consorcio\/\" data-column-clickable-blank=\"_self\" data-id=\"b35ef87\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4310c1b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4310c1b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quer entender melhor o que \u00e9 cons\u00f3rcio e como ele funciona?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fa4990 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2fa4990\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Separamos algumas informa\u00e7\u00f5es para te ajudar.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7f33c85 elementor-hidden-mobile\" data-id=\"7f33c85\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-0d4e9de elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d4e9de\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-033a742\" data-id=\"033a742\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79667ae elementor-widget elementor-widget-heading\" data-id=\"79667ae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Como fazer um cons\u00f3rcio? \nEntenda passo a passo. <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-9f53682 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9f53682\" data-element_type=\"section\" id=\"lance\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-75493a2\" data-id=\"75493a2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b1cbcfe elementor-invisible elementor-widget elementor-widget-image\" data-id=\"b1cbcfe\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"430\" src=\"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2022\/09\/img-lances.png\" class=\"attachment-large size-large wp-image-2115\" alt=\"\" srcset=\"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2022\/09\/img-lances.png 600w, https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2022\/09\/img-lances-300x215.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-034fa5b elementor-invisible\" data-id=\"034fa5b\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2dee953 elementor-widget elementor-widget-heading\" data-id=\"2dee953\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LANCE \u00e9 um valor ofertado pelo cliente com o intuito de antecipar a sua contempla\u00e7\u00e3o. <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fb8fa7 elementor-widget elementor-widget-text-editor\" data-id=\"4fb8fa7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Todos os consorciados, em dia com a parcela mensal, podem efetuar lances, de acordo com as caracter\u00edsticas do grupo ao qual participam.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-4c10e67 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c10e67\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0ed6cc5\" data-id=\"0ed6cc5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f734fb elementor-widget elementor-widget-heading\" data-id=\"9f734fb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conhe\u00e7a os diferentes tipos de lance:<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21e25ad elementor-tabs-view-vertical elementor-hidden-mobile elementor-widget elementor-widget-tabs\" data-id=\"21e25ad\" data-element_type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-3551\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-3551\" aria-expanded=\"false\">Lance Fixo<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-3552\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-3552\" aria-expanded=\"false\">Lance Fidelidade<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-3553\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-3553\" aria-expanded=\"false\">Lance Limitado<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-3554\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-3554\" aria-expanded=\"false\">Lance Livre<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-3555\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-3555\" aria-expanded=\"false\">Lance Embutido<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-3556\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"6\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-3556\" aria-expanded=\"false\">Lance Retido<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-3557\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"7\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-3557\" aria-expanded=\"false\">Lance Dilu\u00eddo<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-3551\" aria-expanded=\"false\">Lance Fixo<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3551\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3551\" tabindex=\"0\" hidden=\"false\"><p style=\"font-weight: 400;\">Nessa modalidade, a administradora define percentual m\u00ednimo a ser ofertado como lance para determinados grupos, que corresponde a uma quantidade espec\u00edfica de parcelas. Em caso de empate, a defini\u00e7\u00e3o \u00e9 feita atrav\u00e9s de sorteio da Loteria Federal.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-3552\" aria-expanded=\"false\">Lance Fidelidade<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3552\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3552\" tabindex=\"0\" hidden=\"hidden\"><p>Essa modalidade \u00e9 uma varia\u00e7\u00e3o do lance fixo, mas no qual podem participar apenas os consorciados que n\u00e3o atrasaram as parcelas dos \u00faltimos 6 meses.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-3553\" aria-expanded=\"false\">Lance Limitado<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3553\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3553\" tabindex=\"0\" hidden=\"hidden\"><p>Para essa modalidade a partir de determinado per\u00edodo, s\u00e3o permitidos lances com um limite espec\u00edfico de parcelas. A cota contemplada ser\u00e1 a que ofertar a maior quantidade de parcelas dentro do limite.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-3554\" aria-expanded=\"false\">Lance Livre<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3554\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3554\" tabindex=\"0\" hidden=\"hidden\"><p>Essa \u00e9 a modalidade mais comum. O consorciado escolhe o valor de acordo com a quantidade de parcelas que deseja ofertar. Na HS Cons\u00f3rcios, ele pode ofertar como lance o valor do seu ve\u00edculo usado, para cons\u00f3rcios de autom\u00f3vel, ou o saldo do seu FGTS, para cons\u00f3rcio de im\u00f3vel residencial. Sendo o maior lance, o vencedor.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-3555\" aria-expanded=\"false\">Lance Embutido<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3555\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3555\" tabindex=\"0\" hidden=\"hidden\"><p>Essa modalidade \u00e9 um facilitador ao consorciado que n\u00e3o possui um valor consider\u00e1vel para ofertar como lance. Sendo poss\u00edvel ofertar parte da carta de cr\u00e9dito como lance, de acordo com as regras da administradora. Na HS Cons\u00f3rcios o consorciado pode ofertar at\u00e9 30% do valor da carta de cr\u00e9dito como lance.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"6\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-3556\" aria-expanded=\"false\">Lance Retido<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3556\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3556\" tabindex=\"0\" hidden=\"hidden\">Nessa modalidade o consorciado tem a possibilidade de ofertar o seu carro usado como valor do lance, para cons\u00f3rcio de autom\u00f3vel, dentro das regras estabelecidas pela administradora. A avalia\u00e7\u00e3o do ve\u00edculo \u00e9 feita atrav\u00e9s da tabela Fipe e Molicar. Se tornando essa uma oportunidade de voc\u00ea conseguir trocar o seu ve\u00edculo mais r\u00e1pido.<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"7\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-3557\" aria-expanded=\"false\">Lance Dilu\u00eddo<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-3557\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3557\" tabindex=\"0\" hidden=\"hidden\"><p>Nessa modalidade o consorciado tem a op\u00e7\u00e3o de usar o lance para diminuir o valor das parcelas mensais restantes, ao inv\u00e9s de antecipar o valor total de um n\u00famero determinado de parcelas.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8fddf8 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-toggle\" data-id=\"c8fddf8\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2101\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2101\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Lance Fixo<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2101\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2101\"><p>Nessa modalidade a administradora define percentual m\u00ednimo a ser ofertado como lance para determinados grupos, isso corresponde a uma quantidade especifica de parcelas. Havendo empate a defini\u00e7\u00e3o \u00e9 feita de acordo com o sorteio da Loteria Federal.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2102\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2102\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Lance Fidelidade<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2102\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2102\"><p>Essa modalidade \u00e9 uma varia\u00e7\u00e3o do lance fixo, mas no qual podem participar apenas os consorciados que n\u00e3o atrasaram as parcelas dos \u00faltimos 6 meses.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2103\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2103\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Lance Limitado<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2103\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2103\"><p>Para essa modalidade a partir de determinado per\u00edodo, s\u00e3o permitidos lances com um limite espec\u00edfico de parcelas. A cota contemplada ser\u00e1 a que ofertar a maior quantidade de parcelas dentro do limite.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2104\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2104\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Lance Livre<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2104\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2104\"><p>Essa \u00e9 a modalidade mais comum. O consorciado escolhe o valor de acordo com a quantidade de parcelas que deseja ofertar. Na HS Cons\u00f3rcios ele pode oferta como lance o seu carro usado, para cons\u00f3rcios de autom\u00f3vel, ou o seu FGTS, para cons\u00f3rcio de im\u00f3vel residencial. Sendo o maior lance o vencedor.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2105\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2105\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Lance Embutido<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2105\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2105\"><p>Essa modalidade \u00e9 um facilitador ao consorciado que n\u00e3o possui um valor consider\u00e1vel para ofertar como lance. Sendo poss\u00edvel ofertar parte da carta de cr\u00e9dito como lance, de acordo com as regras da administradora. Na HS Cons\u00f3rcios o consorciado pode ofertar at\u00e9 30% do valor da carta de cr\u00e9dito como lance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2106\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2106\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Lance Retido<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2106\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2106\"><p>Nessa modalidade o consorciado tem a possibilidade de ofertar o seu carro usado como valor do lance, para cons\u00f3rcio de autom\u00f3vel, dentro das regras estabelecidas pela administradora. A avalia\u00e7\u00e3o do ve\u00edculo \u00e9 feita atrav\u00e9s da tabela Fipe e Molicar. Se tornando essa uma oportunidade de voc\u00ea conseguir trocar o seu ve\u00edculo mais r\u00e1pido.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2107\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2107\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Lance Dilu\u00eddo<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2107\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2107\">Nessa modalidade o consorciado tem a op\u00e7\u00e3o de usar o lance para diminuir o valor das parcelas mensais restantes, ao inv\u00e9s de antecipar o valor total de um n\u00famero determinado de parcelas.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7cc017 elementor-widget elementor-widget-text-editor\" data-id=\"d7cc017\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>*EM TODAS AS MODALIDADES em caso de empate, o vencedor \u00e9 definido pelo sorteio da Loteria Federal.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-604fb69 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"604fb69\" data-element_type=\"section\" id=\"meia-parcela\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8a9e149 elementor-invisible\" data-id=\"8a9e149\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2147422 elementor-widget elementor-widget-heading\" data-id=\"2147422\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Como funciona a meia parcela?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b950c74 elementor-hidden-desktop elementor-hidden-tablet elementor-invisible elementor-widget elementor-widget-image\" data-id=\"b950c74\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"432\" src=\"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2022\/09\/img-metade.png\" class=\"attachment-full size-full wp-image-2170\" alt=\"\" srcset=\"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2022\/09\/img-metade.png 600w, https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2022\/09\/img-metade-300x216.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a5e356 elementor-widget elementor-widget-text-editor\" data-id=\"1a5e356\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Aqui na HS Cons\u00f3rcios, voc\u00ea pode contar com a op\u00e7\u00e3o de pagar apenas METADE DA PARCELA at\u00e9 a contempla\u00e7\u00e3o, em todas as modalidades. Essa \u00e9 uma \u00f3tima alternativa para quem paga aluguel, mas n\u00e3o abdica de buscar a t\u00e3o sonhada casa pr\u00f3pria. Ou ainda, para quem quer trocar ou comprar um autom\u00f3vel novo. As parcelas s\u00e3o menores, dessa forma n\u00e3o comprometendo a renda mensal.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7c19708 elementor-hidden-mobile\" data-id=\"7c19708\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dbb1ff0 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"dbb1ff0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"432\" src=\"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2022\/09\/img-metade.png\" class=\"attachment-full size-full wp-image-2170\" alt=\"\" srcset=\"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2022\/09\/img-metade.png 600w, https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2022\/09\/img-metade-300x216.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-5c34de3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c34de3\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6e7340e\" data-id=\"6e7340e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bfe4cb4 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"bfe4cb4\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"432\" src=\"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2022\/09\/img-50-porcento.png\" class=\"attachment-full size-full wp-image-2195\" alt=\"\" srcset=\"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2022\/09\/img-50-porcento.png 600w, https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2022\/09\/img-50-porcento-300x216.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5f95628 elementor-invisible\" data-id=\"5f95628\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-50c450a elementor-widget-mobile__width-auto elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"50c450a\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">50%<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-755f909 elementor-widget elementor-widget-text-editor\" data-id=\"755f909\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Quando contemplado, consorciado pode escolher se quiser continuar pagando a metade da parcela e adquirir o valor da carta de cr\u00e9dito equivalente \u00e0s presta\u00e7\u00f5es pagas, voltar \u00e0 parcela cheia e abater a diferen\u00e7a do valor total da carta de cr\u00e9dito ou ainda, manter o plano, com a diferen\u00e7a dilu\u00edda no restante das parcelas.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-70a89f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"70a89f8\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8ab78be\" data-id=\"8ab78be\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d98e7c elementor-widget elementor-widget-heading\" data-id=\"1d98e7c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Aproveite as vantagens do cons\u00f3rcio.\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a33a8c6 elementor-widget elementor-widget-text-editor\" data-id=\"a33a8c6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Aqui voc\u00ea tem flexibilidade, mesmo depois da contempla\u00e7\u00e3o da carta de cr\u00e9dito.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66bc37b elementor-align-center elementor-widget elementor-widget-button\" data-id=\"66bc37b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"\/simulador\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fa\u00e7a uma simula\u00e7\u00e3o<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-2cfa006 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2cfa006\" data-element_type=\"section\" id=\"regulamento\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cd7a528\" data-id=\"cd7a528\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fad4403 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"fad4403\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Regulamento Geral.\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb5ba49 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"eb5ba49\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Acesse o regulamento geral de Grupos de Consorcio,<\/p><p style=\"font-weight: 400;\">no link abaixo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b31ce6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"3b31ce6\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-content\/uploads\/2024\/07\/REGULAMENTO-GERAL-DO-CONSORCIOS.-HSC-VERSAO-JUL2024_01072024.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Baixar Regulamento<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-c93a949 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c93a949\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d6b054\" data-id=\"7d6b054\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e34630c elementor-widget elementor-widget-text-editor\" data-id=\"e34630c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Ainda em d\u00favida? Visite nossa \u00e1rea de <a href=\"https:\/\/demo.happ.com.br\/hsconsorcios\/contato#perguntas-frequentes\">Perguntas Frequentes<\/a>.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Quer entender melhor o que \u00e9 cons\u00f3rcio e como ele funciona? Separamos algumas informa\u00e7\u00f5es para te ajudar. Como fazer um cons\u00f3rcio? Entenda passo a passo. LANCE \u00e9 um valor ofertado pelo cliente com o intuito de antecipar a sua contempla\u00e7\u00e3o. Todos os consorciados, em dia com a parcela mensal, podem efetuar lances, de acordo com [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-24","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-json\/wp\/v2\/pages\/24"}],"collection":[{"href":"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-json\/wp\/v2\/comments?post=24"}],"version-history":[{"count":81,"href":"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-json\/wp\/v2\/pages\/24\/revisions"}],"predecessor-version":[{"id":17442,"href":"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-json\/wp\/v2\/pages\/24\/revisions\/17442"}],"wp:attachment":[{"href":"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-json\/wp\/v2\/media?parent=24"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}