House, apartment, office or land
Purchase, construction, renovation, paying off a mortgage or an off-plan property. Also for retirement and rental income. No reserve fund in the property segment.
Simulator
What would your interest-free installment be?
Choose what you want to buy and drag to the amount. The calculation compares an Ademicon consórcio with a bank loan.
Term
Consórcio installment
/month
Bank installment
Bank term
Total with consórcio
Total with the bank
You save
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Who will take care of your plan
Full résumé on LinkedIn
Someone who knows banks from the inside knows how much a consórcio saves
Roberto Paiva is an economist (Mackenzie), with an MBA in Marketing from Insper and an Executive MBA from Brazilian Business School. He spent more than two decades on the other side of the counter: Commercial Superintendent for Mortgage, Vehicle, Used Car and Truck Credit at Itaú Unibanco, and Regional Commercial Manager at Banco Fiat.
That experience makes a difference when building your plan. Roberto knows how banks calculate interest, insurance and total cost, so he shows with clear numbers when an Ademicon consórcio is the cheapest way to buy property, change cars or expand your business.
R$ 2 bn/yearmortgage portfolio managed at Itaú, across 1,000 points of sale
25%market share in used-car financing achieved at Itaú
+70%consultant productivity with the new service model he introduced
41Fiat dealerships served as regional manager
- Today
Ademicon consultant · Alphaville Barueri
Consórcio for property, vehicles, heavy equipment and services, for individuals and companies.
- 2019 – present
Commercial Director · Konsiga
Managing teams and representatives, prospecting and serving key clients with financial products.
- 2013 – 2019
Commercial Director · B2e Sistemas
Credit and fraud prevention. Sales strategy, targets and partnerships.
- 2005 – 2013
Commercial Superintendent · Itaú Unibanco
Mortgages, vehicles, used cars and trucks, with teams of 140 to 200 people. Led Brazil’s first Used Truck Fair and introduced consórcio and insurance across the dealer network.
- 1999 – 2005
Regional Commercial Manager · Banco Fiat
A new commercial model and national campaigns above target.
Education: Economics (Mackenzie) · MBA in Marketing (Insper) · Executive MBA (Brazilian Business School)
In 20 seconds
Meet Roberto and the interest-free consórcio
A quick overview: what an Ademicon consórcio is, how much you can save compared with bank financing, and how to reach Roberto. (Video in Portuguese.)
Talk to Roberto
What is your next step?
Examples for each goal
Common situations of people who come to Roberto, with the numbers worked out. Tap "Simulate" to adjust the amount your way.
Illustrative examples using the same assumptions as the comparison. They are not real client cases.
Ademicon products
A consórcio for every goal
You choose the credit amount and the term. Installments carry no interest; there is an administration fee spread over the term and an annual adjustment by the group’s index.
Cars and motorcycles, new or used
Change cars with no down payment and no interest. 14% administration fee and 1% reserve fund, according to Ademicon.
Trucks, buses, machinery and agriculture
Fleets, implements and farm machinery, plus boats and aircraft. Ideal for companies that want to grow without tying up working capital.
Travel, education, health and events
Study abroad, graduation, weddings, dental and cosmetic procedures, renovations. Planning without credit cards and without interest.
Half the installment until you are awarded
In selected groups, you pay 50% of the common fund plus fees until you are awarded (for vehicles, up to the 24th installment). Afterwards, the difference is spread over the balance.
Wealth leverage
Use credit letters to build a property portfolio, earn rental income or expand your company while keeping your cash invested.
Why Ademicon
35 years of solid consórcio experience
Figures published by Ademicon on its official website (checked in October 2026).
35 yearsin the market, headquartered in Curitiba
675k+clients served
R$ 145.8 bn+in credit sold
300 storesin 24 Brazilian states and the Federal District, plus Orlando and Miami
- Brazil’s largest independent consórcio administrator by active credit, according to Ademicon.
- Authorized and supervised by Brazil’s Central Bank, audited by PwC and a member of ABAC.
- Payments go only to the administrator, never to third parties.
- An accredited consultant from planning to award, with a bidding strategy (free, fixed and embedded bids, depending on the group).
- An app to follow meetings, payment slips and bids.
- Ademicon does not sell already-awarded shares or promise award dates. Be wary of anyone who does.
Consórcio vs. bank financing
How much more you pay with bank interest
Illustrative simulations for the same credit amount. Consórcio with no interest but an administration fee; financing at the average market rate. Pick an amount to recalculate.
Property · consórcio over months vs. financing over months
| Type | Term | 1st installment | Last installment | Total paid | Cost above the credit |
|---|
Vehicle · 48, 60 and 72 months in both options
| Ademicon consórcio | Bank financing | ||||
|---|---|---|---|---|---|
| Term | Installment | Total paid | Installment | Total paid | Savings with consórcio |
Ademicon reference table · estimated installments by credit amount
| Segment | Credit amount | Term | Full installment | Plano 50 installment* |
|---|
Table estimated from the rates listed below, as a starting point for the conversation. Official values depend on the group available in each fortnight and are in the membership proposal; ask Roberto for the current table on WhatsApp. *Plano 50 only in selected groups.
When a consórcio is the best choice
- You can plan the purchase and want to pay much less in total.
- You want to build wealth or invest without taking money out of your cash.
- You have funds to place a bid and get awarded sooner.
- You prefer interest-free installments with no mandatory down payment.
What to consider, in all transparency
- In a consórcio, the credit is released when you are awarded, by draw or by bid.
- Installments are adjusted once a year (INCC for property, INPC for the others).
- Financing releases the asset right away, but requires a 20% to 30% down payment and charges interest, insurance and TR.
- Roberto shows both scenarios side by side so you can decide.
Frequently asked questions
Questions everyone asks
What is a consórcio, and is it worth it?
A consórcio is a Brazilian pooled purchase plan: a group of people pays monthly installments into a common fund, and each month some members are awarded the credit to buy their asset. It pays off if you can plan ahead. Since there is no interest, the total paid is usually much lower than with financing. On a R$ 500,000 property, the estimated difference is over R$ 700,000. If you need the asset right away and cannot bid, financing may make more sense. Roberto shows you both paths.
How does the award work?
Every month the group holds a meeting where shares are awarded by draw and by bid. Whoever is awarded receives the credit letter and can buy the asset. Nobody can promise the award date.
What is a bid, and an embedded bid?
A bid is an advance payment of installments that increases your chance of being awarded. With an embedded bid, when the group allows it, you use part of your own credit letter to place the bid, without paying out of pocket.
Can I use my FGTS?
For a property consórcio, yes. FGTS (the Brazilian severance fund) can be used to place a bid, top up the purchase or pay down the balance, following Caixa’s rules for using the fund.
Does the installment go up?
The installment is adjusted once a year to keep up with the asset’s value. Property follows the INCC index and the other segments follow INPC. No interest is charged.
What if I need to quit?
Brazil’s consórcio law (Law 11,795/2008) guarantees the refund of what you paid into the common fund when the cancelled share is drawn or when the group closes, minus the deductions set out in the contract.
Is Ademicon safe?
Yes. Ademicon is authorized and supervised by Brazil’s Central Bank, audited by PwC and has 35 years in the market. Payments go only to the administrator, never to third parties.
Talk to Roberto Paiva
Ask for your personalized simulation
Point your phone camera at the QR code to chat on WhatsApp, or visit the Ademicon store in Alphaville, Barueri.
Scan to chat on WhatsApp
- WhatsApp and phone(11) 99972-0141
- Instagram@roberto.paiva.01
- E-mailroberto.paiva@autorizadoademicon.com.br
- LinkedInlinkedin.com/in/robertopaiva59
- Ademicon store, Alphaville BarueriCalçada das Rosas, 14 · Centro Comercial Alphaville · Barueri, SP