The search for greater financial predictability has influenced consumption decisions in Foz do Iguaçu. Before achieving great achievements, many consumers began to prioritize alternatives that allow them to better organize their budget and plan long-term investments. In this context, Consórcio União, a company with headquarters in Foz do Iguaçu, presents the Double Credit Plan, a modality created for consumers who wish to start their projects with installments compatible with the current financial reality and have more flexibility in the future. Available for real estate and vehicle consortiums, the solution allows you to expand credit at the time of contemplation without the need for a new contract, following the evolution of customers' needs and objectives. Modality was created to combine financial planning and flexibility. Disclosure. The change in consumer behavior In recent years, financial sector experts have observed an important change in the way people view large acquisitions. If before the priority was to buy as quickly as possible, today many consumers are looking for alternatives that allow financial organization, predictability and security in decision making. The increase in credit costs and the need to maintain balance in family finances have made planning tools gain more space. In this scenario, the consortium began to be seen not only as a purchasing modality, but also as a medium and long-term strategy for building assets. According to José Roberto Luppi, Commercial Director of Consórcio União, the Double Credit Plan was developed precisely to follow this new reality. "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", he states. How does Double Credit work? The operation of the modality was developed to balance financial organization and expansion of purchasing power. In practice, the consumer joins a consortium group with an initial credit compatible with their current planning. An example would be taking out a letter of credit for R$200,000. When contemplation occurs, the client now has the possibility of increasing this amount to up to R$400,000, without having to join a new group or start another hiring journey. The proposal is to allow credit to follow the evolution of personal and family projects over time. This means that important decisions can be made later, when the consumer has a clearer view of their needs and priorities. More flexibility to adapt projects One of the main characteristics of Crédito em Dobro is its ability to adapt. Often, an initially planned project undergoes changes during the contemplation waiting period. The need for a larger property, a more extensive renovation or a vehicle with different characteristics are common situations. By allowing the expansion of credit in the future, the modality offers more autonomy so that these decisions are made in accordance with the reality existing at the time of acquisition. According to Consórcio União, the modality emerged precisely after identifying this behavior among consumers who initially took out smaller credits to preserve their budget, but later realized the need to expand their projects. "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 has financial predictability become so important? The movement can also be observed in Foz do Iguaçu and other cities in the North of Paraná, where consumers have prioritized financial solutions that offer greater predictability and allow them to plan investments and acquisitions with more security over time. More and more consumers are looking for alternatives that offer: greater predictability of expenses; better budget organization; reduction of the immediate financial impact; flexibility to adapt projects; sustainable heritage construction. In this context, the consortium gained relevance by allowing the acquisition to be planned gradually, without the incidence of interest characteristic of traditional financing. Furthermore, the predictability of installments helps the consumer maintain more efficient control of their finances over time. Main differences of the modality The Double Credit Plan brings together features that seek to serve consumers who value planning and flexibility. Among the differences are: More affordable installments at the beginning They allow you to start planning without compromising a large part of your monthly income. Possibility of expanding credit The consumer can increase the amount initially contracted at the time of consideration. Flexibility of use Complementary credit can be directed to different stages of the project. Financial organization The modality favors more consistent and predictable planning. More autonomy Allows you to adapt decisions to future needs. Simplified process Avoids the need for a new hire to obtain additional credit. Consumers can expand credit according to the evolution of their objectives. Disclosure. Real estate applications In the real estate segment, Double Credit can benefit consumers who wish to get out of rent or purchase a property without completely compromising their budget during the waiting period. The modality also allows the additional credit to be used later for: reform; finish; custom furniture; expansion of the property; acquisition of another good. This characteristic expands the possibilities for using the consortium and transforms credit into a strategic tool for building assets. Vehicle applications In the automotive market, the model serves consumers who make planned vehicle changes and seek greater financial organization. By starting the plan with installments compatible with their current reality, the customer gains the possibility of extending the credit in the future if their needs change or the desired vehicle increases in value. The modality also serves consumers who prefer long-term planning rather than taking on high-interest financing. Consortium as a financial organization tool The growth of the consortium accompanies an important transformation in the way Brazilians manage their resources. More than making purchases, many consumers seek solutions that contribute to strengthening their assets and building a more balanced financial life. According to Consórcio União, Crédito em Dobro was developed precisely to meet this growing demand for predictability, autonomy and flexibility. "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 executive. The expectation is that modalities capable of monitoring different moments of financial life will continue to arouse the interest of those looking to carry out projects in an organized and sustainable way. 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 the modality to request a personalized simulation and obtain more information about the plan. FIND OUT MORE AT: https://conteudo.consorciouniao.com.br/credito-em-dobro