{"id":28,"date":"2022-09-08T16:38:04","date_gmt":"2022-09-08T19:38:04","guid":{"rendered":"https:\/\/novo.hsconsorcios.com.br\/?page_id=28"},"modified":"2025-12-10T17:40:57","modified_gmt":"2025-12-10T20:40:57","slug":"contato","status":"publish","type":"page","link":"https:\/\/demo.happ.com.br\/hsconsorcios\/contato\/","title":{"rendered":"Contato"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"28\" class=\"elementor elementor-28\" 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-0c8fa8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c8fa8f\" 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-50 elementor-top-column elementor-element elementor-element-b66ea0b\" data-id=\"b66ea0b\" 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-a1c06a3 elementor-widget elementor-widget-heading\" data-id=\"a1c06a3\" 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\">Fale Conosco<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af2144e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"af2144e\" 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>Estamos aqui para te ajudar.<\/p><p>Utilize o formul\u00e1rio abaixo para enviar suas d\u00favidas, elogios, sugest\u00f5es ou reclama\u00e7\u00f5es.<br \/>Se preferir, visite nossa \u00e1rea de <strong><a href=\"#perguntas-frequentes\">Perguntas Frequentes<\/a>.<\/strong>\u00a0<\/p><p>Talvez sua d\u00favida j\u00e1 esteja respondida por l\u00e1!<\/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-9495e24\" data-id=\"9495e24\" 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-4557618 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4557618\" 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<section class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3de4583\" data-id=\"3de4583\" 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-c77f76a elementor-widget elementor-widget-html\" data-id=\"c77f76a\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<html lang=\"pt-br\" max-widht=100% aling=\"center\">\n<meta charset=\"utf-8\">\n\n    \n    <style type=\"text\/css\">\n       \n  \n            .block{\n         width: 94%;\n        display: block;\n        \n               font-family: 'Trebuchet MS', Arial, Helvetica, sans-serif;\n        color: #000000;\n        font-size: 14px;\n            background-color: #DFDFDF;\n           \n            \n            \n            \n        }\n            .modelo{\n        width: 94%;\n        display: block;\n       \n            margin-bottom: 2%;\n            margin-top: 2%;\n    margin-right: 2%;\n        margin-left: 2%;\n            border-radius: 6px;\n            border: solid 1px #000; \n            padding: 10px 0px 10px 10px;\nbackground-color: #D3D3D3;         \nfont-weight: bold;\nfont-family: 'Trebuchet MS', Arial, Helvetica, sans-serif;\nfont-size: 14px;\ncolor: #676767;\ntext-align:left;\n                background:#fff;\n    }\n      \n        \n  .button {\n            \ntext-align: center;\n            border: 0; cursor: pointer;\n            background-color: green;\n            color: #ffffff;\n            margin-bottom: ;\n            width: 60%;\n            font-weight: bold;\n            border-radius: 8px;\n            font-size: 18px;\n            margin: 5% 20% 5% 20%;\n           \n        }\n        \n        \n         .textinput {\n            float: center;\n            width: 94%;\n           \n            outline: none;\n            resize: none;\n            border: 1px solid #676767;\n             background:#fff;\n             border-radius: 6px;\n                   margin: 10px 0px 0px 14px;\n            padding: 10px 0px 60px 10px;\n             color: #676767;\n        }\n        \n         .titulos {\n            \ntext-align: left;\n         \n        \n            margin-bottom: ;\n            width: 94%;\n            font-weight: bold;\n            border-radius: 8px;\n            font-size: 16px;\n            margin: 10px 0px 0px 20px;\n              color: #676767;\n            text-align:left;\n          \n        }\n        \n        .titulo_1 {\n            \ntext-align: left;\n         \n        \n         \n            width: 94%;\n            font-weight: bold;\n            border-radius: 8px;\n            font-size: 16px;\n            margin: 10px 20px 20px 20px;\n              color: #676767;\n            text-align:left;\n          \n        }\n        \n            .assunto {\n            \ntext-align: left;\n         \n        \n         \n            width: 94%;\n            font-weight: bold;\n            border-radius: 8px;\n            font-size: 14px;\n            margin: 0px 0px 0px 20px;\n               \n              color: #676767;\n            text-align:left;\n          \n        }\n        \n          .assunto_red {\n            \ntext-align: left;\n         \n        \n         \n            width: 94%;\n            font-weight: bold;\n            border-radius: 8px;\n            font-size: 12px;\n            margin: 10px 20px 20px 20px;\n              color:#red;\n            text-align:left;\n          \n        }\n        \n        \n           .select_1 {\n        width: 94%;\n        display: flex;\n        justify-content: flex-start;\n            margin-bottom: 2%;\n            margin-top: 2%;\n    margin-right: 2%;\n        margin-left: 2%;\n            border-radius: 6px;\n            border: solid 2px #DFDFDF; \n            padding: 10px 0px 10px 10px;\n background-color: #FFFFFF;\n            color: #676767;\n            cursor: pointer;\nfont-weight: bold;\n\n    }\n        \n        \n    .linha {\n        display: flex;\n        flex-flow: row wrap;\nbackground-color: #DFDFDF;         \nfont-weight: bold;\nfont-family: 'Trebuchet MS', Arial, Helvetica, sans-serif;\nfont-size: 14px;\ncolor: #676767;\ntext-align:left;\n    }\n\n        \n\n\n    .coluna50 {\n        width: 48%;\n        margin-left:1%;\n        margin-right: 1%;\n        display: flex;\n        justify-content: flex-end;\n\n    }\n        \n        \n        <\/style>\n    \n    \n    \n        \n      <form name=\"HS_Consorcios_form_soucliente\" id=\"HS_Consorcios_form_soucliente\"\n\t\t\t\t\t\t\t\t\taction=\"https:\/\/a.newsiplace.com.br\/pub\/rf\">\n\t\n   <input type=\"hidden\" name=\"_ri_\" value=\"X0Gzc2X%3DAQpglLjHJlDQG5jon9zgzfELHANLCCkH2H3BXGC9KrFqS4zcB4hNRVwjpnpgHlpgneHmgJoXX0Gzc2X%3DAQpglLjHJlDQGwzfa0lzd7KDzezbaByHuMzaNr82GC9KrFqS4zcB4hNR\">\n\t    <input type=\"hidden\" name=\"_ei_\" value=\"EUFoyE1t2G0P-uj5TAtMxIU\">\n        <input type=\"hidden\" name=\"_di_\" value=\"1qpqt8i9dr5gfvqjo2rh0hmkg4u8oraf2ctnvi075tc8cm4q8jr0\">\n        \n       \n<div class=\"block\">\n    \n    <div class=\"assunto\">\n    \n    \n           <br>    \n    Cliente HS Cons\u00f3rcios?\n         <br><br>\n    \n                       <label for=\"CLIENTE\">\n  <input type=\"radio\" name=\"CLIENTE\" id=\"CLIENTE\" value=\"sim\">Sim\n\n                    <\/label>\n                \n\n\n                \n                    <label for=\"CLIENTE\">\n                  <input type=\"radio\" name=\"CLIENTE\" id=\"CLIENTE\" value=\"nao\">N\u00e3o\n                    <\/label>\n\n\n\n    \n    <br>\n    \n    \n    \n        \n      <br>     <br> Assunto *<\/div>\n\n         <select name=\"ASSUNTO\" div class=\"select_1\" text-align=\"right\">  \n             \n                    <label for=\"ASSUNTO\">             <option value=\"ASSUNTO\">Selecione<\/option>\n\t<\/label>\t\n             \n              <label for=\"ASSUNTO\"> \n             <option id=\"ASSUNTO\"  value=\"Duvidas\">D\u00favidas<\/option><\/label>\n     \n       <label for=\"ASSUNTO\"> \n             <option id=\"ASSUNTO\"  value=\"Seja_corretor\">Seja um corretor <\/option><\/label>\n                \n                   <label for=\"ASSUNTO\"> \n     <option id=\"ASSUNTO\"  value=\"Sugestoes\">Sugest\u00f5es<\/option><\/label>\n                       \n                        <label for=\"ASSUNTO\"> \n     \n      <option id=\"ASSUNTO\"  value=\"Elogios\">Elogios<\/option><\/label>\n     \n                         <label for=\"ASSUNTO\"> \n             <option id=\"ASSUNTO\"  value=\"trabalhe_conosco\">Trabalhe Conosco<\/option><\/label>   \n                             <label for=\"ASSUNTO\"> \n      <option id=\"ASSUNTO\"  value=\"Reclamacoes\">Reclama\u00e7\u00f5es<\/option><\/label>\n                                 \n                                 \n                                  <label for=\"ASSUNTO\"> \n      <option id=\"ASSUNTO\" value=\"Ouvidoria\">Ouvidoria<\/option><\/label>\n<\/select>\n\n           \n\n    \n    <div class=\"linha\">\n        \n    <div class=\"coluna50\">\n          <input type=\"text\" class=\"modelo\" id=\"FIRST_NAME\" name=\"FIRST_NAME\" placeholder=\"Nome*\"> \n    <\/div>\n    <div class=\"coluna50\">\n        \n             <input type=\"text\" class=\"modelo\" id=\"LAST_NAME\" name=\"LAST_NAME\" placeholder=\"Sobrenome*\"  >\n        \n        <\/div>\n\n          <input type=\"text\" class=\"modelo\" id=\"CUSTOMER_ID_\" name=\"CUSTOMER_ID_\" placeholder=\"CPF*\"  >  \n\n        \n    \n          <input type=\"text\" class=\"modelo\" id=\"EMAIL_ADDRESS_\" name=\"EMAIL_ADDRESS_\" placeholder=\"E-mail*\"  >\n    \n   \n\n       \n <input type=\"text\" class=\"modelo\" id=\"MOBILE_NUMBER_\" name=\"MOBILE_NUMBER_\" placeholder=\"Telefone\"  >\n\n    \n    \n    \n    \n    \n\n       \n <input type=\"text\" class=\"modelo\" id=\"CITY\" name=\"CITY\" placeholder=\"Cidade\"  >\n\n    \n    \n    \n    \n    \n    <input id=\"MENSAGEM\" name=\"MENSAGEM\"\nalign=\"center\"    size=\"98%\" type=\"textarea\" placeholder=\"Mensagem*\" class=\"textinput\" \/>\n    \n\n    \n    \n    \n    \n    <button type=\"SUBMIT\" id=\"SUBMIT\"      class=\"button\" >\n      Enviar <\/button><\/div>\n        \n        \n        \n       \n  <\/form>\n<\/html>\n\n\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9aeaa11 elementor-widget elementor-widget-text-editor\" data-id=\"9aeaa11\" 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\tO cons\u00f3rcio n\u00e3o \u00e9 apenas uma forma de se disciplinar financeiramente, mas tamb\u00e9m \u00e9 uma op\u00e7\u00e3o de investimento segura e com bons retornos. O consorciado pode adquirir diversas cartas de cr\u00e9dito para investir no mercado imobili\u00e1rio. Ap\u00f3s ser contemplado, esses im\u00f3veis podem ser alugados e o valor pago pelo inquilino \u00e9 usado como pagamento das parcelas restantes, garantindo uma renda extra ao investidor.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-77d8745\" data-id=\"77d8745\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"has_eae_slider elementor-element elementor-element-ec78d07 e-flex e-con-boxed e-con e-parent\" data-id=\"ec78d07\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15dfd90 elementor-widget elementor-widget-text-editor\" data-id=\"15dfd90\" 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>Central de Atendimento:<\/strong><\/p><p>Tem d\u00favidas sobre o cons\u00f3rcio ou precisa de ajuda em alguma etapa?\u00a0<span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">Entre em contato com a nossa central<\/span><\/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-dee940d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"dee940d\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">(051) 3564 8400<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-whatsapp\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">(051) 3564 8400<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e9333a elementor-widget elementor-widget-text-editor\" data-id=\"7e9333a\" 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>De segunda a sexta, das 8h \u00e0s 18h<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"has_eae_slider elementor-element elementor-element-506fc46 e-flex e-con-boxed e-con e-parent\" data-id=\"506fc46\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c5feda elementor-widget elementor-widget-text-editor\" data-id=\"0c5feda\" 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>Central de Vendas:<\/strong><\/p><p>Quer adquirir um cons\u00f3rcio ou saber mais sobre nossos planos?<\/p><p>Fale com a nossa equipe.<\/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-f659d35 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f659d35\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">0800 644 9007<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd44cf8 elementor-widget elementor-widget-text-editor\" data-id=\"cd44cf8\" 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>De segunda a sexta, das 8h \u00e0s 18h<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"has_eae_slider elementor-element elementor-element-9b885a0 e-flex e-con-boxed e-con e-parent\" data-id=\"9b885a0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87993bf elementor-widget elementor-widget-text-editor\" data-id=\"87993bf\" 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>Ouvidoria:<\/strong><\/p><p>Caso j\u00e1 tenha entrado em contato com os canais de atendimento e ainda precise de ajuda, nossa Ouvidoria est\u00e1 dispon\u00edvel para analisar sua solicita\u00e7\u00e3o e buscar a melhor solu\u00e7\u00e3o.<\/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-45b004b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"45b004b\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">0800 648 1213<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1423a5a elementor-widget elementor-widget-text-editor\" data-id=\"1423a5a\" 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\tDe segunda a sexta, das 8h \u00e0s 12h e das 13h30 \u00e0s 17h\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"has_eae_slider elementor-element elementor-element-71a255f e-flex e-con-boxed e-con e-parent\" data-id=\"71a255f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f7bbef9 elementor-widget elementor-widget-text-editor\" data-id=\"f7bbef9\" 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<strong>Canal de Den\u00fancias:<\/strong><br>\n\nDeseja reportar uma conduta irregular, fraude ou viola\u00e7\u00e3o \u00e9tica?\n<br>\n<br>\nAcesse nosso <strong><a href=\"https:\/\/demo.happ.com.br\/hsconsorcios\/canal-de-denuncias\/\">Canal de Den\u00fancias.<\/a><\/strong>\n<br>\n<em style=\"font-size: 12px;\">*Espa\u00e7o exclusivo e seguro para den\u00fancias an\u00f4nimas.<\/em>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\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-83493ac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"83493ac\" data-element_type=\"section\" id=\"perguntas-frequentes\">\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-e10db8d\" data-id=\"e10db8d\" 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-0bc9822 elementor-widget elementor-widget-heading\" data-id=\"0bc9822\" 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\">Perguntas Frequentes<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed78fb6 elementor-widget elementor-widget-accordion\" data-id=\"ed78fb6\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2491\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2491\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">POSSO QUITAR FINANCIAMENTO PR\u00d3PRIO?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2491\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2491\"><p>Para quitar um financiamento o valor do cr\u00e9dito dever\u00e1 cobrir o saldo financiado, de acordo com as regras da administradora. \u00c9 preciso ter aten\u00e7\u00e3o que alguns bancos ou institui\u00e7\u00f5es financeiras n\u00e3o aceitam dar baixa no Gravame antes do recebimento do valor, dessa forma dever\u00e1 ocorrer uma negocia\u00e7\u00e3o com essas institui\u00e7\u00f5es a fim de que seja feita a baixa do Gravame, ap\u00f3s o envio de autoriza\u00e7\u00e3o de faturamento da HS Cons\u00f3rcios. Assim podendo gerar o contrato de aliena\u00e7\u00e3o do veiculo no Gravame, liberando o pagamento \u00e0 institui\u00e7\u00e3o financeira.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2492\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2492\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O QUE \u00c9 UM GRUPO?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2492\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2492\">Grupo \u00e9 uma sociedade de fato constitu\u00edda por consorciados reunidos pela administradora para os fins estabelecidos pelo cons\u00f3rcio, qual seja, o da aquisi\u00e7\u00e3o de bens m\u00f3veis ou im\u00f3veis, por meio de autofinanciamento, com prazo de dura\u00e7\u00e3o previamente estabelecido, cujo encerramento ocorrer\u00e1 quando plenamente forem atendidos os seus objetivos.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2493\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2493\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O QUE SIGNIFICA UMA COTA?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2493\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2493\">Cota \u00e9 o n\u00famero de identifica\u00e7\u00e3o de cada consorciado participante no Grupo.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2494\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2494\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O QUE \u00c9 TAXA DE ADMINISTRA\u00c7\u00c3O?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2494\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2494\">\u00c9 a remunera\u00e7\u00e3o da Administradora pela forma\u00e7\u00e3o, organiza\u00e7\u00e3o e administra\u00e7\u00e3o do grupo de cons\u00f3rcio. A taxa \u00e9 expressa no Contrato de Ades\u00e3o.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2495\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2495\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">QUAIS OS BENS QUE SE PODE ADQUIRIR ATRAV\u00c9S DO CONS\u00d3RCIO?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2495\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2495\"><p>\u00c9 poss\u00edvel a aquisi\u00e7\u00e3o de praticamente qualquer bem, seja ele de fabrica\u00e7\u00e3o nacional ou estrangeira, pois a HS Cons\u00f3rcios disponibiliza cartas de cr\u00e9ditos dos mais variados valores para a aquisi\u00e7\u00e3o de Autom\u00f3veis, Motocicletas, Caminh\u00f5es, Im\u00f3veis, Maquin\u00e1rios Agr\u00edcolas, Ve\u00edculos Aqu\u00e1ticos e para Placas Solares.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2496\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2496\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O QUE \u00c9 FUNDO DE RESERVA? PARA QUE SERVE?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2496\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2496\">O Fundo de Reserva \u00e9 a garantia da sa\u00fade financeira do Grupo. \u00c9 um percentual pago na parcela e que ir\u00e1 servir para cobertura de eventual insufici\u00eancia de receita \u00e0s assembleias de contempla\u00e7\u00e3o; para uma reserva financeira caso ocorra um n\u00edvel de inadimpl\u00eancia no Grupo; para cobertura da devolu\u00e7\u00e3o aos desistentes; para pagamento de d\u00e9bito do consorciado inadimplente, ap\u00f3s esgotados todos os meios de cobran\u00e7a. Cabe ressaltar tamb\u00e9m que a exist\u00eancia de eventual saldo do Fundo de Reserva, ao t\u00e9rmino das opera\u00e7\u00f5es do Grupo \u00e9 dividido entre todos os participantes, na propor\u00e7\u00e3o de sua contribui\u00e7\u00e3o.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2497\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2497\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O QUE \u00c9 LANCE?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2497\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2497\">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 as caracter\u00edsticas do grupo ao qual participam. Os lances est\u00e3o divididos nas modalidades Livre, Limitado, Retido, Fixo e Fidelidade.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2498\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2498\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">COMO POSSO USAR O FGTS NO CONS\u00d3RCIO?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2498\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2498\">O uso do Fundo de Garantia Social (FGTS) \u00e9 permitido para o cons\u00f3rcio de im\u00f3veis residenciais. Pode ser utilizado como lance ou para amortizar os valores das parcelas, mas precisa estar de acordo com as regras estabelecidas pelo Conselho Curador da Caixa Econ\u00f4mica Federal.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2499\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2499\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">POSSO USAR MEU CARRO COMO LANCE?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2499\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2499\">Sim. No cons\u00f3rcio de carros e caminh\u00f5es, de acordo com as regras da administradora, h\u00e1 a possibilidade de utilizar seu carro usado como lance.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-24910\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-24910\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O QUE \u00c9 CARTA DE CR\u00c9DITO?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-24910\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-24910\">Carta de cr\u00e9dito \u00e9 o valor dispon\u00edvel para a aquisi\u00e7\u00e3o do bem de acordo com contrato realizado com a administradora.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-24911\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-24911\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">QUEM FISCALIZA E REGULAMENTA O SISTEMA DE CONS\u00d3RCIO?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-24911\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-24911\"><p>O sistema de cons\u00f3rcio \u00e9 regularizado e fiscalizado pelo Banco Central do Brasil. Para que o consorciado possa consultar se a administradora est\u00e1 regulamentada \u00e9 s\u00f3 acessar mais informa\u00e7\u00f5es pelo site <a href=\"https:\/\/www.bcb.gov.br\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bcb.gov.br\/<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-24912\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-24912\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">POSSO ADQUIRIR MAIS DE UMA CARTA DE CR\u00c9DITO?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-24912\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-24912\">O consorciado poder\u00e1 adquirir mais de uma carta de cr\u00e9dito. Lembrando que o consorciado fica limitado a aquisi\u00e7\u00e3o 10% de cotas de um mesmo grupo.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-24913\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-24913\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">ONDE OCORREM AS ASSEMBLEIAS?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-24913\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-24913\">As Assembleias s\u00e3o realizadas mensalmente na sede da HS Cons\u00f3rcios (Rodovia BR 116 Km 223,5 Dois Irm\u00e3os-RS), de acordo com o calend\u00e1rio anual, que a administradora disponibiliza ao Consorciado atrav\u00e9s do envio pelo correio e pelo site, na \u00e1rea restrita ao cliente.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-24914\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-24914\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">QUANDO \u00c9 DISPONIBILIZADA A CARTA DE CR\u00c9DITO?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-24914\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-24914\">A carta de cr\u00e9dito \u00e9 disponibilizada, ap\u00f3s ser contemplada,  para compra do bem, mediante a aprova\u00e7\u00e3o da garantia e da documenta\u00e7\u00e3o prevista no regulamento.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-24915\" class=\"elementor-tab-title\" data-tab=\"15\" role=\"button\" aria-controls=\"elementor-tab-content-24915\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">COMO \u00c9 REALIZADO O SORTEIO?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-24915\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"15\" role=\"region\" aria-labelledby=\"elementor-tab-title-24915\">A contempla\u00e7\u00e3o ocorre atrav\u00e9s do n\u00famero sorteado na Loteria Federal, o qual defini a cota contemplada todo o m\u00eas .<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-24916\" class=\"elementor-tab-title\" data-tab=\"16\" role=\"button\" aria-controls=\"elementor-tab-content-24916\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">COMO POSSO USAR A MINHA CARTA DE CR\u00c9DITO?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-24916\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"16\" role=\"region\" aria-labelledby=\"elementor-tab-title-24916\">O cons\u00f3rcio pode ser utilizado para a compra de im\u00f3veis ou ve\u00edculos, de acordo com o grupo pertencente a cota adquirida. O cons\u00f3rcio de im\u00f3veis pode ser utilizado para a compra de  casa e apartamento,  casa de praia ou serra, s\u00edtio, ch\u00e1cara, terreno ou ainda para a constru\u00e7\u00e3o e reforma de um im\u00f3vel, podendo ser im\u00f3vel residencial ou comercial.  J\u00e1 o cons\u00f3rcio de ve\u00edculos pode ser usado para a compra de carros, caminh\u00f5es, motocicletas, utilit\u00e1rios e \u00f4nibus de todas as marcas e modelos, novos e usados, atrav\u00e9s de concessionaria ou vendedor particular.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-24917\" class=\"elementor-tab-title\" data-tab=\"17\" role=\"button\" aria-controls=\"elementor-tab-content-24917\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">ONDE POSSO USAR MINHA CARTA DE CR\u00c9DITO?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-24917\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"17\" role=\"region\" aria-labelledby=\"elementor-tab-title-24917\">A carta de cr\u00e9dito do consorciado poder\u00e1 ser usado para a compra de um bem em todo Territ\u00f3rio Nacional pertencente a administradora de cons\u00f3rcio.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-24918\" class=\"elementor-tab-title\" data-tab=\"18\" role=\"button\" aria-controls=\"elementor-tab-content-24918\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">QUAL O \u00cdNDICE DE CORRE\u00c7\u00c3O DE PARCELAS DE CONS\u00d3RCIO? E QUAL PERIODICIDADE OCORREM OS REAJUSTES?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-24918\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"18\" role=\"region\" aria-labelledby=\"elementor-tab-title-24918\">O valos das parcelas do cons\u00f3rcio de im\u00f3veis s\u00e3o corrigidos atrav\u00e9s do INCC (\u00cdndice Nacional dos Custos da Constru\u00e7\u00e3o), essa corre\u00e7\u00e3o ocorre anualmente no m\u00eas de anivers\u00e1rio do grupo. E no cons\u00f3rcio de ve\u00edculo a corre\u00e7\u00e3o ocorre  mensalmente de acordo com a atualiza\u00e7\u00e3o da tabela FIPE\/MOLICAR\/IGPM de acordo com a regra do grupo.<\/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\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>Fale Conosco Estamos aqui para te ajudar. Utilize o formul\u00e1rio abaixo para enviar suas d\u00favidas, elogios, sugest\u00f5es ou reclama\u00e7\u00f5es.Se preferir, visite nossa \u00e1rea de Perguntas Frequentes.\u00a0 Talvez sua d\u00favida j\u00e1 esteja respondida por l\u00e1! Cliente HS Cons\u00f3rcios? Sim N\u00e3o Assunto * Selecione D\u00favidas Seja um corretor Sugest\u00f5es Elogios Trabalhe Conosco Reclama\u00e7\u00f5es Ouvidoria Enviar O cons\u00f3rcio [&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-28","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-json\/wp\/v2\/pages\/28"}],"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=28"}],"version-history":[{"count":89,"href":"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-json\/wp\/v2\/pages\/28\/revisions"}],"predecessor-version":[{"id":22712,"href":"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-json\/wp\/v2\/pages\/28\/revisions\/22712"}],"wp:attachment":[{"href":"https:\/\/demo.happ.com.br\/hsconsorcios\/wp-json\/wp\/v2\/media?parent=28"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}