QuintoAndar, the largest digital housing platform in Latin America, launches its Real Estate Consortium, one of the fastest-growing property purchasing models among Brazilians, now with unprecedented benefits. The product arrives to broaden the range of options for those who wish to own their own property, offering transparency, predictability, and financial support. Unlike financing, there is no down payment or interest on installments.
In a high-interest-rate scenario, the consortium has established itself as an important credit alternative in the market. According to the Brazilian Association of Consortium Administrators (Abac), from January to May 2025, the sector’s business volume totaled R$186.55 billion. The real estate segment, in particular, saw a 44.7% increase in sales compared to the same period last year.
“At QuintoAndar, we breathe innovation and are always looking for new ways to help people love where they live,” says Marcelo Nelzow, Director of New Business at QuintoAndar. “Most people begin their housing cycle by renting, but owning a home is the dream of 87% of Brazilians, according to the QuintoAndar Housing Census. With this in mind, and considering that the high-interest-rate context can make this achievement difficult, we have redesigned a traditional product to create something new in the market, which represents a smarter path to achieving this dream, with a total cost that can be up to 50% lower than traditional financing,” concludes Nelzow.
Discover the exclusive advantages of the QuintoAndar Consortium
10% Cashback: In cases of selection by lottery or bid, clients who choose to buy a property through the QuintoAndar platform receive 10% cashback on the value of the credit letter (starting from R$20,000). The amount can be used freely: to supplement the property payment, for renovations, or even to pay for transactional costs (ITBI, notary fees).
Option to withdraw the accumulated balance after 5 years: When choosing to purchase the property on the QuintoAndar platform, the contract holder can request the withdrawal of the accumulated balance after paying 60 installments (5 years), granting the participant more control and predictability over the purchasing journey. This benefit contrasts with traditional consortium options, which operate exclusively with lotteries and bids, in addition to penalties for withdrawal.
100% digital and secure experience: The entire process is carried out online, from simulation and contracting to tracking the share, bids, and meeting results – under the management of Bamaq, one of the largest companies in this market. Additionally, specialized consultants are available to clarify doubts and support clients and interested parties throughout the process.
Furthermore, the QuintoAndar Consortium does not require a down payment or charge interest, only a single, fixed, and transparent administration fee, diluted in the installments. The installments have a fixed annual adjustment of 3%, providing more predictability than adjustments tied to an index.
Interested parties can register and wait on the product page for a consultant to get in touch to perform simulations and clarify doubts.
The solution is the result of a partnership between the platform and Bamaq Consórcio, an administrator licensed by the Central Bank with over 30 years of market experience. A member of ABAC (Brazilian Association of Consortium Administrators), the administrator’s solidity is recognized through partnerships with other major brands, such as Banco Inter, Azul Linhas Aéreas, and Uber.
In the initial group, installments start from R683foraR200,000 credit letter, with the possibility of larger shares and combining credit letters according to the value of the desired property. Each participant has flexibility upon joining to choose the value most suited to their financial profile. In addition to the regular monthly lottery, the client can make different types of bids that can accelerate the reception of the credit letter.
If the credit letter is awarded, it can also be used at any real estate agency, for either residential or commercial properties, as well as for the acquisition and construction on land, carrying out renovations or expansions on existing properties, and even paying off an existing real estate financing.
The QuintoAndar Consortium is available throughout Brazil, and access to exclusive benefits, such as the withdrawal of the credit letter after five years and 10% cashback, are conditional on the purchase of one of the more than 200,000 properties available on the QuintoAndar platform.