In Londrina, consumers have been looking for alternatives that allow them to purchase properties and vehicles with more financial planning and predictability. This movement follows a trend observed in different regions of the country, driven by the search for solutions that offer greater flexibility and budget organization. Aware of this scenario, Consórcio União, which has its headquarters in Londrina, launched the Double Credit Plan, a modality created for consumers who wish to increase their purchasing power without immediately increasing their financial commitment. Available for real estate and vehicle consortiums, the solution allows the customer to begin their participation in a group with credit compatible with their current financial reality and have the possibility of increasing this amount at the time of consideration. In practice, the customer joins a group with an initial credit amount — for example, R$200 thousand — and, upon being included, can increase this amount to up to R$400 thousand. The main difference is flexibility: the consumer can start with lighter financial planning and gain more decision-making power at the time of purchase. Modality allows you to increase purchasing power at the time of contemplation. Disclosure. "The Double Credit Plan was designed to give the customer more freedom. It starts with an installment that makes sense for the current budget and, upon consideration, can expand the credit without having to start a new process", says José Roberto Luppi, Commercial Director of Consórcio União. How does the Double Credit Plan work? The model's operation seeks to balance financial planning and increasing purchasing power throughout the consortium. The consumer starts the plan with credit compatible with the financial reality of the moment. After consideration, you will have the possibility of increasing the amount originally contracted, without the need to start a new contracting journey or join another group. This allows more flexibility to adapt the project to the consumer's real needs at the time of purchase. In the real estate segment, for example, the client can take out an initial loan to purchase the property and use the additional amount later for renovation, finishing, custom furniture or even the purchase of a second property. In the automotive sector, the model tends to attract consumers who carry out planned vehicle exchanges and see the consortium as a medium and long-term financial organization tool. The modality emerged from the perception that many consumers took out smaller credits out of fear of the monthly commitment and, at the time of purchase, realized that they needed a larger amount to carry out their plans. "In the traditional market, when the customer needs to increase credit, they usually need to start a new journey. Our proposal was to simplify this path and allow them to follow the growth of the consumer's projects and objectives", explains Luppi. Why are consumers looking for alternatives to financing? According to sector experts, this behavior has also been observed among consumers in Londrina and the Northern region of Paraná, who have started to prioritize financial solutions capable of offering more predictability and flexibility for carrying out medium and long-term projects. In this scenario, the consortium once again gained relevance among consumers who want: avoid high interest rates; plan the purchase of real estate or vehicles; preserve financial balance; increase purchasing power; acquire assets in a sustainable way. Unlike traditional financing, the consortium is seen by many consumers as a medium and long-term planning tool, allowing financial organization before purchasing the asset. Another important factor is the predictability of installments, a characteristic that is increasingly valued in periods of economic instability. Double Credit appears precisely within this context, offering consumers the possibility of starting with lighter installments without giving up a larger credit in the future. Main differences of Double Credit Among the differences of the modality are: More affordable installments at the beginning The client can start planning without compromising a large part of their monthly income. Possibility of expanding credit In contemplation, the consumer can double the initially contracted amount. Flexibility of use Additional credit can be directed to different stages of the project. Financial planning The model allows for more predictability and organization of the budget. More purchasing power The modality expands the acquisition capacity without requiring a new contract. Simplified process The consumer avoids starting a new process to obtain additional credit. The model seeks to combine financial planning and increased purchasing power. Disclosure. According to Consórcio União, the model was developed to serve consumers who want to grow financially without immediately increasing their monthly commitment. How does Double Credit work for properties? In the real estate segment, the model tends to attract mainly consumers who want to get out of rent without completely compromising their budget during the contemplation waiting period. With lighter initial installments, the client can maintain financial balance while continuing to pay rent or organize other family expenses. Another difference is the possibility of using complementary credit in later stages of the real estate project. Among the possibilities are: reform; finish; custom furniture; expansion of the property; acquisition of another good. This flexibility expands the possibilities for using the consortium and transforms credit into a more strategic tool for building wealth. How does the model work for vehicles? In the automotive sector, Crédito em Dobro can serve consumers who carry out planned vehicle exchanges and seek smarter alternatives for financial organization. The modality allows you to start the plan with installments compatible with the current budget and expand purchasing power later, following changes in needs or appreciation of the desired vehicle. The model also speaks to consumers who prefer long-term planning rather than taking on high-interest financing. This modality also serves consumers who carry out scheduled car exchanges. Disclosure. What changes in consumer financial planning? According to industry experts, consumer behavior has changed significantly in recent years. Today, there is a growing search for financial predictability, autonomy and less aggressive budget solutions. "Consumers want to grow without compromising their entire income now. Double Credit appears precisely to balance financial planning, purchasing power and freedom of choice", adds the sales executive. The trend is for more flexible models to gain even more space in the coming years, especially among consumers who want to build wealth without giving up financial organization. In addition to acquiring the asset, the search for solutions that allow adaptation over time, following changes in income, priorities and personal objectives, is also growing. Consortium as a financial planning tool The growth of the consortium also accompanies a cultural change in consumer behavior. More and more consumers are starting to see credit not only as an immediate form of purchase, but as a strategy for building assets and long-term planning. In this context, modalities that offer flexibility and predictability tend to gain relevance. With the new modality, Consórcio União reinforces its operations in Londrina and throughout Paraná, offering an alternative for consumers who wish to build wealth in a planned manner, with more autonomy and financial predictability. Consumers interested in understanding how the Double Credit Plan works and finding out about credit possibilities for properties and vehicles can access the exclusive website regarding this credit to request a personalized simulation and obtain more information about the modality. FIND OUT MORE AT: https://conteudo.consorciouniao.com.br/credito-em-dobro