In Londrina, the search for alternatives that allow expanding purchasing power without excessively compromising the budget has influenced the way many consumers plan the acquisition of properties and vehicles. The combination of financial planning and flexibility has gained ground among those who want to achieve great achievements in a more organized way. Aware of this movement, Consórcio União launched the Double Credit Plan, a modality created to expand customers' purchasing possibilities throughout the contracting journey. Available for real estate and vehicle consortiums, the solution allows consumers 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 contemplation. In practice, the client can contract, for example, a credit of R$200 thousand and, when contemplated, increase this amount to up to R$400 thousand. The model was developed to offer more flexibility throughout the journey, allowing important decisions to be made according to the needs existing at the time of acquisition. According to José Roberto Luppi, Commercial Director of Consórcio União, the main objective of the modality is to provide more freedom for consumers to carry out their projects in a planned manner. "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. More credit for tracking new goals One of the differences of the modality is precisely its ability to adapt. Often, consumers start their planning with a specific need, but, over the months or years, their objectives evolve. In the real estate segment, for example, a loan initially contracted to purchase a property can gain new purposes later. The additional value can be used for renovation, finishing, custom furniture, expansion of the property or even for the acquisition of another asset. This flexibility allows the project to follow the consumer's life, expanding the possibilities for using credit. In the automotive sector, the logic is similar. Many consumers start planning with a specific vehicle model in mind, but find new needs when the time comes to purchase. Double Credit allows purchasing power to follow this evolution. How does the Double Credit Plan work? The modality's operation was developed to simplify access to greater credit without requiring the consumer to restart their journey. The customer normally joins a consortium group with the credit initially contracted. After contemplation, you will have the possibility of increasing this value, without the need to join a new group or start a new hiring process. According to Consórcio União, the modality emerged after identifying a recurring behavior among consumers who opted for smaller credits to maintain more comfortable installments, but later realized that they needed a higher amount to complete 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 did purchasing power become a priority? In Londrina and other cities in the North of Paraná, consumers have shown increasing interest in solutions that combine financial planning and greater purchasing capacity, especially for projects linked to the purchase of properties and vehicles. In recent years, rising interest rates and changes in the economic scenario have made many consumers rethink the way they acquire equity. Instead of assuming high costs right from the start, the search for alternatives that offer financial predictability and greater budget control is growing. In this context, the consortium has gained ground among people who want to: avoid high interest rates; plan the purchase of real estate or vehicles; preserve financial balance; expand purchasing power; build heritage in a sustainable way. For many consumers, the possibility of financially organizing the acquisition before purchasing the good has become an important differentiator. Another valued aspect is the predictability of the installments, a characteristic that contributes to more consistent planning over time. Main differences of Double Credit Among the benefits of the modality are: More affordable installments at the beginning It allows the consumer to start planning without compromising a large part of their monthly income. Possibility of expanding credit In contemplation, the initially contracted amount can be increased. Flexibility of use Additional credit can be directed to different stages of the project. Financial planning Offers more budget predictability and organization. More purchasing power Allows you to expand acquisition capacity without requiring a new hire. Simplified process It prevents the consumer from having to start a new journey to obtain additional credit. Caption: Model seeks to combine financial planning and increased purchasing power. Disclosure. Applications for real estate and vehicles In the real estate segment, Double Credit tends to attract consumers who want to get out of rent without completely compromising their budget during the contemplation waiting period. The lighter initial installments help maintain financial balance while other family expenses remain part of the routine. In the automotive market, the modality serves consumers who carry out scheduled vehicle changes and seek smarter alternatives to organize their resources. The possibility of expanding credit in the future allows planning to follow changes in needs and market opportunities. The consortium as a strategic tool The consortium's growth accompanies a transformation in consumer behavior. More and more people see credit not only as a means of immediate purchase, but as a tool for financial planning and wealth building. According to Consórcio União, Crédito em Dobro was developed precisely to meet this new reality, offering flexibility for those who want to grow financially without immediately increasing their monthly commitment. "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 more flexible modalities will continue to gain space among consumers in Londrina and the region, following an increasing demand for solutions that allow expanding purchasing power without compromising financial balance. 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 about the modality, to request a personalized simulation and obtain more information. FIND OUT MORE AT: https://conteudo.consorciouniao.com.br/credito-em-dobro