With more expensive credit and financial costs playing an increasingly important role in consumer decisions, many Brazilians began to rethink the way they purchase properties and vehicles. In Foz do Iguaçu, this movement follows a national trend of searching for alternatives that offer more predictability and financial organization. In this context, the consortium has been gaining prominence among consumers who prefer to plan their achievements in the long term. Aware of this change in behavior, Consórcio União, a company with headquarters in Foz do Iguaçu, launched the Double Credit Plan, a modality that allows the credit value to be increased at the time of contemplation without the need for a new contract. Available for the real estate and automotive segments, the solution seeks to offer more flexibility for consumers to adapt their projects as their needs evolve over time. José Roberto Luppi, Commercial Director of Consórcio União, highlights the flexibility and increased purchasing power as differentiators of the Double Credit Plan. Disclosure. Market changes drive new choices The rise in interest rates changed the behavior of many consumers. Previously focused on immediate acquisition solutions, decisions now consider factors such as predictability, financial balance and long-term asset construction. This change caused planning-based modalities to gain space in the market. Instead of taking on higher installments from the beginning, many consumers began to prioritize strategies that allow them to better organize their budget and make decisions with greater peace of mind. According to José Roberto Luppi, Commercial Director at Consórcio União, the Double Credit Plan was developed precisely to meet this new consumer profile. "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 model allows the consumer to join a consortium group with credit compatible with their current financial reality. In practice, a client can take out a letter of credit for R$200,000 and, when covered, have the possibility of increasing this amount to up to R$400,000. The objective is to allow credit to follow changes in needs, market appreciation and the evolution of personal projects. This way, the consumer is able to start their planning with more affordable installments and expand their purchasing capacity when the moment of purchase arrives. The proposal also eliminates the need to start a new hiring journey to obtain additional credit. More flexibility in a transformation scenario According to industry experts, one of the main characteristics of today's consumer is the need to maintain financial flexibility. Changes in income, family priorities and wealth goals cause many projects to evolve over time. It was precisely by observing this behavior that Consórcio União developed the modality. Many consumers took out smaller credits to preserve their monthly budget and, when the time came for acquisition, they realized that they needed a higher amount to implement 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 did the consortium gain prominence again? The scenario observed nationally is also reflected in Foz do Iguaçu and the West of Paraná, where consumers have been more carefully evaluating alternatives capable of reconciling financial planning, predictability and long-term asset construction. greater financial predictability; medium and long-term planning; preservation of the monthly budget; expansion of purchasing power; sustainable heritage construction. In other words, the consortium came to be seen not only as a form of acquisition, but as a financial organization tool. The predictability of installments has also become a relevant differentiator for those seeking more control over their financial commitments. Main differences of the modality Among the benefits of Double Credit are: More affordable installments at the beginning The consumer can start planning without compromising a large part of their monthly income. Expansion of credit in contemplation Allows you to increase the value initially contracted without the need for a new contract. Flexibility of use Complementary credit can be directed to different stages of projects. Financial planning It favors more efficient management of resources over time. More purchasing power Allows you to expand your purchasing capacity at the time of contemplation. Simplified process Avoid bureaucracy and new hiring days. This modality seeks to combine financial predictability and credit expansion. Disclosure. Applications for the real estate market In the real estate segment, Crédito em Dobro serves consumers who wish to purchase a property without completely compromising their budget during the contemplation waiting period. In addition to purchasing the main asset, additional credit can be used later to: reform; finish; custom furniture; expansion of the property; acquisition of another good. This flexibility allows planning to follow the evolution of family projects. Vehicle applications In the automotive sector, the modality serves consumers who carry out scheduled vehicle changes and prefer to organize the acquisition in a planned manner. The possibility of extending the credit later also helps to monitor any changes in need or appreciation of the desired vehicle throughout the consortium period. For many consumers, it is an alternative to avoiding high-cost financing and maintaining greater financial control. The evolution of financial behavior The growth of the consortium reflects an important cultural change. More than seeking immediate access to goods, many Brazilians have come to value solutions that allow planning, predictability and financial autonomy. In this context, flexible modalities tend to gain more and more relevance. According to Consórcio União, Crédito em Dobro was developed precisely to follow this evolution in consumer behavior and offer more freedom in building wealth. "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. As the market continues to undergo transformations, the tendency is for consumers in Foz do Iguaçu and the region to maintain their interest in solutions that offer more autonomy to plan great achievements. In this context, flexible modalities such as Double Credit reinforce the role of the consortium as an alternative for those who want to balance purchasing power and financial organization. Consumers interested in understanding how the Double Credit Plan works and finding out about credit possibilities for properties and vehicles can access the modality's exclusive website to request a personalized simulation and obtain more information about the modality. FIND OUT MORE AT: https://conteudo.consorciouniao.com.br/credito-em-dobro