{"id":10,"date":"2025-01-27T22:47:17","date_gmt":"2025-01-28T01:47:17","guid":{"rendered":"https:\/\/ztbseguros.com.br\/consorcio\/?page_id=10"},"modified":"2026-01-06T22:45:46","modified_gmt":"2026-01-07T01:45:46","slug":"home","status":"publish","type":"page","link":"https:\/\/ztbseguros.com.br\/consorcio\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10\" class=\"elementor elementor-10\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea40960 e-flex e-con-boxed e-con e-parent\" data-id=\"ea40960\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-712985c e-con-full e-flex e-con e-child\" data-id=\"712985c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da3cdb5 elementor-widget elementor-widget-image\" data-id=\"da3cdb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"141\" height=\"183\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/logo-ztb.png\" class=\"attachment-full size-full wp-image-21\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67151f7 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"67151f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Descubra em 1 minuto qual seria o valor da sua parcela de Cons\u00f3rcio!<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-609fbef animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"609fbef\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A melhor forma de tirar seus planos do\npapel!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ee5e69 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5ee5e69\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">FA\u00c7A AGORA sua simula\u00e7\u00e3o pelo WhatsApp<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34fcbe7 animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"34fcbe7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/wa.me\/5531999099134?text=Quero%20realizar%20uma%20cota%C3%A7%C3%A3o%21\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-whatsapp\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SIMULE HOJE E TENHA CONDI\u00c7\u00d5ES ESPECIAIS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-794024b e-con-full e-flex e-con e-child\" data-id=\"794024b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5a6ec0 animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"c5a6ec0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1047\" height=\"587\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/casa.png\" class=\"attachment-full size-full wp-image-17\" alt=\"\" srcset=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/casa.png 1047w, https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/casa-300x168.png 300w, https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/casa-1024x574.png 1024w, https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/casa-768x431.png 768w\" sizes=\"(max-width: 1047px) 100vw, 1047px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ed5acd e-flex e-con-boxed e-con e-parent\" data-id=\"4ed5acd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0df0634 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0df0634\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ou preencha o formul\u00e1rio para receber um\nor\u00e7amento personalizado AGORA MESMO!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08a614d elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"08a614d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Cota\u00e7\u00e3o\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"10\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"08a614d\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-25\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tNome\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Nome\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-25 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_50132ef elementor-col-25\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_50132ef\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tTelefone\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_50132ef]\" id=\"form-field-field_50132ef\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Telefone\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-select elementor-field-group elementor-column elementor-field-group-field_431add6 elementor-col-25\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_431add6\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tTipo de Cons\u00f3rcio\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field elementor-select-wrapper remove-before \">\n\t\t\t<div class=\"select-caret-down-wrapper\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-caret-down\"><\/i>\t\t\t<\/div>\n\t\t\t<select name=\"form_fields[field_431add6]\" id=\"form-field-field_431add6\" class=\"elementor-field-textual elementor-size-sm\">\n\t\t\t\t\t\t\t\t\t<option value=\"\">Tipo de Cons\u00f3rcio<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Im\u00f3vel \">Im\u00f3vel <\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Autom\u00f3vel\">Autom\u00f3vel<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Ve\u00edculos de Grande Porte \">Ve\u00edculos de Grande Porte <\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Outros\">Outros<\/option>\n\t\t\t\t\t\t\t<\/select>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_9b34b59 elementor-col-100 recaptcha_v3-inline\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_9b34b59\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6LeEmkIsAAAAABX21cIcd3EDGxp8wjmwd9mLpaMS\" data-type=\"v3\" data-action=\"Form\" data-badge=\"inline\" data-size=\"invisible\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SOLICITAR COTA\u00c7\u00c3O AGORA<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c640bb3 e-flex e-con-boxed e-con e-parent\" data-id=\"c640bb3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-904005f e-con-full e-flex e-con e-child\" data-id=\"904005f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-095aafa elementor-widget elementor-widget-text-editor\" data-id=\"095aafa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>O QUE \u00c9 CONS\u00d3RCIO?<\/strong><br \/>Um cons\u00f3rcio \u00e9 uma maneira de adquirir bens, como im\u00f3veis ou ve\u00edculos, atrav\u00e9s da uni\u00e3o de pessoas que contribuem mensalmente para um fundo comum. Atrav\u00e9s desse sistema, os participantes t\u00eam a chance de adquirir o bem desejado sem pagar juros, apenas uma taxa de administra\u00e7\u00e3o.<\/p><p><strong>COMO FUNCIONA?<\/strong><br \/>1. Forma\u00e7\u00e3o do grupo: V\u00e1rias pessoas formam um grupo e se comprometem a pagar parcelas mensais.<br \/>2. Pagamento das parcelas: Todos os meses, os participantes pagam uma quantia que ser\u00e1 utilizada para comprar os bens.<br \/>3. Contempla\u00e7\u00e3o: A cada m\u00eas, um ou mais consorciados s\u00e3o sorteados ou podem oferecer lances para receber o valor do bem.<br \/>4. Aquisi\u00e7\u00e3o do bem: Quando contemplado, o consorciado utiliza os recursos do fundo para comprar o bem desejado.<\/p><p><strong>O QUE \u00c9 UM LANCE?<\/strong><br \/>Um lance \u00e9 uma oferta que o consorciado faz para antecipar a sua contempla\u00e7\u00e3o. Essa oferta pode ser feita durante as assembleias do cons\u00f3rcio. O consorciado que oferecer o maior lance \u00e9 privilegiado e receber\u00e1 o bem antes dos demais, entregando assim uma parte do valor total do bem em forma de lance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23ba101 e-con-full e-flex e-con e-child\" data-id=\"23ba101\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0560c8b animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"0560c8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"632\" height=\"751\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/familia.png\" class=\"attachment-full size-full wp-image-69\" alt=\"\" srcset=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/familia.png 632w, https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/familia-252x300.png 252w\" sizes=\"(max-width: 632px) 100vw, 632px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c3cf5fe e-flex e-con-boxed e-con e-parent\" data-id=\"c3cf5fe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bd38d9 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3bd38d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Etapas do Cons\u00f3rcio<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33f77a4 elementor-widget elementor-widget-spacer\" data-id=\"33f77a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-357ee4e e-grid e-con-full animated-slow elementor-invisible e-con e-child\" data-id=\"357ee4e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af61a50 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"af61a50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-house-user\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t1\u00ba Passo\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEscolha do plano\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfbffb6 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"cfbffb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-business-time\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t2\u00ba Passo\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAcompanhamento\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-168e751 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"168e751\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-money-bill-wave\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t3\u00ba Passo\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tContempla\u00e7\u00e3o\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63be68d elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"63be68d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-hands-helping\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t4\u00ba Passo\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tCompra do bem\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c917be5 e-flex e-con-boxed e-con e-parent\" data-id=\"c917be5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bcf3509 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"bcf3509\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Vantagens de Investir em Cons\u00f3rcio<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-605bc62 elementor-widget elementor-widget-spacer\" data-id=\"605bc62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4732253 e-grid e-con-full animated-slow elementor-invisible e-con e-child\" data-id=\"4732253\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72f961c elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"72f961c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-user\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAtendimento\npersonalizado ao\nseu perfil\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57673e3 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"57673e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-pen-fancy\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMenos\nburocracia na\ncontrata\u00e7\u00e3o\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b15949 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"0b15949\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-search-dollar\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSem juros ou\nentrada na\naquisi\u00e7\u00e3o\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae39530 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"ae39530\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-trophy\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tChances de\nganhar no\nprimeiro m\u00eas\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ff091a0 e-flex e-con-boxed e-con e-parent\" data-id=\"ff091a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fc5f051 e-con-full e-flex e-con e-child\" data-id=\"fc5f051\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-faa5e3d elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"faa5e3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Cons\u00f3rcio de Im\u00f3vel<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7548b6 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a7548b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Casa, terreno ou reforma, com parcelas reduzidas at\u00e9 a contempla\u00e7\u00e3o!\n\nVAGAS LIMITADAS NESTE GRUPO DE CONS\u00d3RCIO!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b57303d animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"b57303d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/wa.me\/5531999099134?text=Quero%20realizar%20uma%20cota%C3%A7%C3%A3o%21\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-whatsapp\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SIMULE AGORA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf02375 e-con-full e-flex e-con e-child\" data-id=\"bf02375\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-802fa31 animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"802fa31\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1047\" height=\"587\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/casa.png\" class=\"attachment-full size-full wp-image-17\" alt=\"\" srcset=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/casa.png 1047w, https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/casa-300x168.png 300w, https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/casa-1024x574.png 1024w, https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/casa-768x431.png 768w\" sizes=\"(max-width: 1047px) 100vw, 1047px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d03a004 e-flex e-con-boxed e-con e-parent\" data-id=\"d03a004\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-46b1641 e-grid e-con-full animated-slow elementor-invisible e-con e-child\" data-id=\"46b1641\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf3159c elementor-position-top elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"cf3159c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"274\" height=\"184\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/casa.jpg\" class=\"attachment-full size-full wp-image-109\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Cons\u00f3rcio de <br>Casa<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4124b75 elementor-position-top elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"4124b75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"274\" height=\"184\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/apartamento.jpg\" class=\"attachment-full size-full wp-image-106\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Cons\u00f3rcio de <br>Apartamento<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-809fb2c elementor-position-top elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"809fb2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"274\" height=\"184\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/terreno.jpg\" class=\"attachment-full size-full wp-image-113\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Cons\u00f3rcio de <br>Terreno<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31fa2e6 elementor-position-top elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"31fa2e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"274\" height=\"184\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/reforma.jpg\" class=\"attachment-full size-full wp-image-112\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Cons\u00f3rcio para <br>Reforma<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03d67fb e-con-full e-flex e-con e-child\" data-id=\"03d67fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-127e4a7 animated-slow elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"127e4a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/wa.me\/5531999099134?text=Quero%20realizar%20uma%20cota%C3%A7%C3%A3o%21\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">FAZER UMA SIMULA\u00c7\u00c3O AGORA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59b2b30 e-flex e-con-boxed e-con e-parent\" data-id=\"59b2b30\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3026410 e-con-full e-flex e-con e-child\" data-id=\"3026410\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-125c24f elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"125c24f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Cons\u00f3rcio de Carro<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d10a15 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8d10a15\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conquiste seu carro novo ou seminovo, sem entrada e sem juros!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5e322b animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"c5e322b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/wa.me\/5531999099134?text=Quero%20realizar%20uma%20cota%C3%A7%C3%A3o%21\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-whatsapp\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SOLICITE UMA PROPOSTA HOJE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-567c163 e-con-full e-flex e-con e-child\" data-id=\"567c163\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96dfb20 animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"96dfb20\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"531\" height=\"435\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/carro.png\" class=\"attachment-full size-full wp-image-117\" alt=\"\" srcset=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/carro.png 531w, https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/carro-300x246.png 300w\" sizes=\"(max-width: 531px) 100vw, 531px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b4d9d4b e-flex e-con-boxed e-con e-parent\" data-id=\"b4d9d4b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4503f6c e-grid e-con-full animated-slow elementor-invisible e-con e-child\" data-id=\"4503f6c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6079352 elementor-position-top elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"6079352\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"274\" height=\"184\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/carro.jpg\" class=\"attachment-full size-full wp-image-108\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Cons\u00f3rcio de <br>Carro<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c58e77c elementor-position-top elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"c58e77c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"274\" height=\"184\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/moto.jpg\" class=\"attachment-full size-full wp-image-111\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Cons\u00f3rcio de <br>Moto<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-512b5de elementor-position-top elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"512b5de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"274\" height=\"184\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/caminhao.jpg\" class=\"attachment-full size-full wp-image-107\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Cons\u00f3rcio de <br>Caminh\u00e3o<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c9ebb3 elementor-position-top elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"0c9ebb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"274\" height=\"184\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/maquina.jpg\" class=\"attachment-full size-full wp-image-110\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Cons\u00f3rcio de <br>M\u00e1quina<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c1597d e-con-full e-flex e-con e-child\" data-id=\"8c1597d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bfefdd animated-slow elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"1bfefdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/wa.me\/5531999099134?text=Quero%20realizar%20uma%20cota%C3%A7%C3%A3o%21\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">FAZER UMA SIMULA\u00c7\u00c3O AGORA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf88215 e-flex e-con-boxed e-con e-parent\" data-id=\"bf88215\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-20f775b e-con-full e-flex e-con e-child\" data-id=\"20f775b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-316b382 elementor-widget elementor-widget-heading\" data-id=\"316b382\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quem Somos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a45d487 elementor-widget elementor-widget-text-editor\" data-id=\"a45d487\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>H\u00e1 anos, a ZTB Cons\u00f3rcio vem construindo uma hist\u00f3ria de sucesso e confian\u00e7a no mercado de cons\u00f3rcios. Atendemos com excel\u00eancia mais de 400 clientes, que viram seus sonhos se tornarem realidade atrav\u00e9s de nossos planos personalizados.<\/p><p>Oferecemos solu\u00e7\u00f5es de cons\u00f3rcio flex\u00edveis, que se adaptam \u00e0s suas necessidades e objetivos. Seja para adquirir bens, servi\u00e7os ou investir no futuro, nossa equipe est\u00e1 pronta para te ajudar a encontrar o plano ideal.<\/p><p>Trabalhamos com total transpar\u00eancia, desde a simula\u00e7\u00e3o at\u00e9 a contempla\u00e7\u00e3o, garantindo que voc\u00ea tenha acesso a todas as informa\u00e7\u00f5es e suporte necess\u00e1rios.<\/p><p>A ZTB Cons\u00f3rcio \u00e9 a sua parceira ideal para conquistar seus objetivos. Entre em contato conosco e descubra como podemos te ajudar a realizar seus sonhos!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2463694 e-con-full e-flex e-con e-child\" data-id=\"2463694\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-527301a animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"527301a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"510\" height=\"756\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/familia2.png\" class=\"attachment-full size-full wp-image-142\" alt=\"\" srcset=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/familia2.png 510w, https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/familia2-202x300.png 202w\" sizes=\"(max-width: 510px) 100vw, 510px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-adadaa7 e-flex e-con-boxed e-con e-parent\" data-id=\"adadaa7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b98373 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8b98373\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Parceiros<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f48efa8 e-grid e-con-full e-con e-child\" data-id=\"f48efa8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11eb1fd elementor-widget elementor-widget-image\" data-id=\"11eb1fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"280\" height=\"80\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/02\/magalu.png\" class=\"attachment-full size-full wp-image-177\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3bfcd5 elementor-widget elementor-widget-image\" data-id=\"f3bfcd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"92\" height=\"92\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/itau.png\" class=\"attachment-full size-full wp-image-122\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1b09e7 elementor-widget elementor-widget-image\" data-id=\"e1b09e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"181\" height=\"42\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/porto.png\" class=\"attachment-full size-full wp-image-123\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5166bac elementor-widget elementor-widget-image\" data-id=\"5166bac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"273\" height=\"152\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/02\/bb.png\" class=\"attachment-full size-full wp-image-176\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c2ed2e elementor-widget elementor-widget-image\" data-id=\"4c2ed2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"141\" height=\"127\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/02\/xp.png\" class=\"attachment-full size-full wp-image-178\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3dac7ff e-flex e-con-boxed e-con e-parent\" data-id=\"3dac7ff\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d60fb64 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"d60fb64\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Perguntas Frequentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7927d13 elementor-widget elementor-widget-n-accordion\" data-id=\"7927d13\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1270\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1270\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Por que cons\u00f3rcio \u00e9 mais barato que financiamento? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1270\" class=\"elementor-element elementor-element-c5e3dfb e-con-full e-flex e-con e-child\" data-id=\"c5e3dfb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7c5d7f elementor-widget elementor-widget-text-editor\" data-id=\"e7c5d7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>No Cons\u00f3rcio, voc\u00ea planeja suas conquistas de forma econ\u00f4mica, pagando apenas a taxa de administra\u00e7\u00e3o dilu\u00edda em parcelas acess\u00edveis, e o fundo de reserva, que pode ser seu no final do plano. Fuja dos juros do financiamento e escolha como quer realizar seus sonhos: ter o bem agora com o financiamento ou planejar e economizar com o Cons\u00f3rcio, contando com a chance de ser sorteado ou acelerar a conquista com lances. O Cons\u00f3rcio \u00e9 a ferramenta ideal para quem sabe onde quer chegar e n\u00e3o tem medo de planejar para realizar!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1271\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1271\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Posso usar o saldo do FGTS no cons\u00f3rcio? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1271\" class=\"elementor-element elementor-element-1dd580e e-con-full e-flex e-con e-child\" data-id=\"1dd580e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4e9124 elementor-widget elementor-widget-text-editor\" data-id=\"a4e9124\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Claro, utilize at\u00e9 100% do seu FGTS para dar lances e complementar a carta de cr\u00e9dito, seja para a compra ou constru\u00e7\u00e3o do seu im\u00f3vel. E depois de conquistar seu lar, utilize o FGTS novamente para amortizar as parcelas do cons\u00f3rcio, reduzindo o tempo para quita\u00e7\u00e3o do saldo devedor.<br \/>*\u00a0Trabalhador e o im\u00f3vel dever\u00e3o se enquadrar nas normas de libera\u00e7\u00e3o da Caixa Econ\u00f4mica Federal, descritas no Manual do FGTS.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1272\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1272\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Quais s\u00e3o as taxas cobradas no Cons\u00f3rcio? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1272\" class=\"elementor-element elementor-element-9699894 e-con-full e-flex e-con e-child\" data-id=\"9699894\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77f14b4 elementor-widget elementor-widget-text-editor\" data-id=\"77f14b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A taxa de administra\u00e7\u00e3o que corresponde \u00e0 remunera\u00e7\u00e3o da Administradora, e que \u00e9 paga pelo consorciado, dilu\u00edda por todo o prazo do grupo. E o fundo de reserva, que \u00e9 uma poupan\u00e7a destinada a poss\u00edveis inadimpl\u00eancias ao longo do prazo. Caso esse fundo n\u00e3o seja utilizado, ser\u00e1 dividido proporcionalmente entre os participantes no t\u00e9rmino do grupo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1273\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1273\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Qual o tempo m\u00e9dio de fechamento dos grupos de cons\u00f3rcio? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1273\" class=\"elementor-element elementor-element-5d72420 e-con-full e-flex e-con e-child\" data-id=\"5d72420\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f022ea elementor-widget elementor-widget-text-editor\" data-id=\"4f022ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Conforme definido pela Lei do Cons\u00f3rcio (Lei 11.795\/2008) , todas as administradoras t\u00eam at\u00e9 90 dias a partir da venda da primeira cota para inaugurar um grupo.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1274\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1274\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Como funcionam os sorteios no cons\u00f3rcio? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1274\" class=\"elementor-element elementor-element-9f5446f e-con-full e-flex e-con e-child\" data-id=\"9f5446f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d80ceb elementor-widget elementor-widget-text-editor\" data-id=\"9d80ceb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div>O sorteio \u00e9 uma das formas de contempla\u00e7\u00e3o no cons\u00f3rcio. O primeiro \u00e9 realizado pela ZTB e o restante pela Loteria Federal.<\/div><div><p>Todos os participantes do cons\u00f3rcio t\u00eam a mesma chance de serem sorteados, desde que estejam em dia com os pagamentos.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1275\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1275\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Como ser contemplado no cons\u00f3rcio? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1275\" class=\"elementor-element elementor-element-675da8e e-con-full e-flex e-con e-child\" data-id=\"675da8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12134a2 elementor-widget elementor-widget-text-editor\" data-id=\"12134a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Por sorteio: ocorrem todos os meses, os sorteados poder\u00e3o receber sua carta de cr\u00e9dito para adquirir seu bem.<br \/>Por lance: aqueles consorciados que ofertaram o maior percentual de lance (carta de cr\u00e9dito + fundo de reserva + taxa de administra\u00e7\u00e3o), ser\u00e3o contemplados e poder\u00e3o adquirir seu bem<br \/>At\u00e9 o fim do contrato, todos os consorciados do grupo v\u00e3o receber seu cr\u00e9dito.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1276\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1276\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Adquiri o cons\u00f3rcio, mas resolvi cancelar. Quando terei a devolu\u00e7\u00e3o dos valores pagos? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1276\" class=\"elementor-element elementor-element-b9452e4 e-con-full e-flex e-con e-child\" data-id=\"b9452e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a84d22f elementor-widget elementor-widget-text-editor\" data-id=\"a84d22f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Caso voc\u00ea precise cancelar o cons\u00f3rcio \u00e9 preciso analisar dois pontos: <br \/><br \/>Se seu grupo faz parte da Lei do Cons\u00f3rcio (Lei 11.795\/2008) e foi inaugurado ap\u00f3s 06\/02\/2009, voc\u00ea continuar\u00e1 participando dos sorteios mensais, exclusivos para as cotas canceladas em cada grupo, realizados pela extra\u00e7\u00e3o da Loteria Federal. E, caso n\u00e3o sejam sorteadas, ter\u00e3o seus valores devolvidos no encerramento do grupo. Ao ser contemplado ter\u00e1 a restitui\u00e7\u00e3o do valor pago referente ao fundo comum, abatido a multa contratual. <br \/><br \/>Se o seu grupo \u00e9 anterior \u00e0 cria\u00e7\u00e3o da lei, o prazo para devolu\u00e7\u00e3o dos valores pagos \u00e9 de 60 dias ap\u00f3s o encerramento do grupo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40149fa e-flex e-con-boxed e-con e-parent\" data-id=\"40149fa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b39ed20 e-con-full e-flex e-con e-child\" data-id=\"b39ed20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bded53c e-con-full e-flex e-con e-child\" data-id=\"bded53c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d24c625 elementor-widget elementor-widget-image\" data-id=\"d24c625\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/ztbseguros.com.br\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"141\" height=\"183\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/logo-ztb.png\" class=\"attachment-full size-full wp-image-21\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec58fb3 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ec58fb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/ztbseguros.com.br\/consorcio\/politica-de-privacidade\/\">Pol\u00edtica de Privacidade<\/a><\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff005d4 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ff005d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">38.236.574\/0001-36<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc38c7e e-con-full e-flex e-con e-child\" data-id=\"cc38c7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb83d91 elementor-widget elementor-widget-image\" data-id=\"fb83d91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"843\" height=\"121\" src=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/bc-abac.png\" class=\"attachment-full size-full wp-image-135\" alt=\"\" srcset=\"https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/bc-abac.png 843w, https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/bc-abac-300x43.png 300w, https:\/\/ztbseguros.com.br\/consorcio\/wp-content\/uploads\/2025\/01\/bc-abac-768x110.png 768w\" sizes=\"(max-width: 843px) 100vw, 843px\" 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