2023-11-16 19:51:02
Whether a residential or commercial project, to be built or a ready-made building, real estate is, historically, one of the most traditional forms of investment. In recent months, this modality has once once more proven to be a safe and profitable option, with appreciation above inflation. According to the FipeZap index, residential property sales prices rose 6.16% in 2022, surpassing the inflation accumulated in the same period, of 5.79%. And now in November the Monetary Policy Committee (Copom) reduced the basic interest rate (Selic) for the third time in a row, which puts real estate in a great perspective as an investment option.
As this is a long-term objective, one option to achieve it is to hire a consortium. According to data from Brazilian Association of Consortium Administrators (ABAC)between the months of January and September, the property sector recorded a 17.9% growth in the sale of new shares, compared to the same period of the previous year.
José Climério Silva Souza, Executive Director of the Bancorbrás National Consortium, explains that the main advantage is the planned purchase. “The consortium member already knows the values of the installments, having the possibility of bringing the project forward through offering a bid, which may reduce the payment period for the plan or even have the option of reducing the installment. Furthermore, it is an investment alternative in which the client does not pay interest, which allows for a more affordable installment than other forms of financing, allowing the remaining resources to be used for other needs,” he states.
The property consortium offers consortium members conditions to acquire the property, to build, renovate or even be able to pay off a housing loan. “The modality creates opportunities for people who want to invest in real estate or wish to expand their assets, generating extra income”, he argues.
On the market it is possible to find different groups and payment plans, which meet the needs of each client, enabling the consortium member to plan financially to buy the desired property, take that dream trip or purchase a new vehicle, all without paying interest and without compromising the family or company budget.
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