Author name: f1n4nmxw

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Para você, que está seguindo no mercado imobiliário de forma autônoma, é muito importante se manter atualizado, tendo todas as opções disponíveis para seus clientes. O financiamento imobiliário tem papel decisivo para a compra do imóvel, então, no artigo de hoje vamos explicar como funciona cada etapa do processo.

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Passo 1 – Reunindo os pré-requisitos

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Um dos primeiros passos é auxiliar seu cliente na separação de documentos requisitados no financiamento. Ser brasileiro nato ou naturalizado; se estrangeiro, possuir visto permanente no País; cadastro sem restrições. São consultados na: Serasa, SPC, BACEN e Receita Federal; capacidade econômico-financeira para pagamento da prestação mensal; capacidade civil ou menor emancipado com 16 anos completos.

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Antes de solicitar crédito imobiliário, é importante ter certeza de que está fazendo a escolha certa. Tarefa muito difícil já que no Brasil contamos com diversas opções. Entre elas, contamos com o Sistema Financeiro de Habitação (SFH) e o Sistema Financeiro Imobiliário (SFI). Além disso, existem os programas de subsídio do governo.

Vale lembrar, crédito imobiliário só poderá ser utilizado em imóveis de ate R$1.500.000,00

Principais vantagens do SFH

– Acessibilidade: com as parcelas mais acessíveis, mais pessoas conseguem conquistar a casa própria.

– Taxa de juros menores: em comparação a outros formatos de empréstimo, esse é um dos tipos de financiamento com taxas mais baixas.

– Uso do FGTS: é possível utilizar os recursos disponíveis do seu Fundo de Garantia do Tempo de Serviço para abater parte da dívida ou na própria aquisição do financiamento. Com isso, você fica com menos parcelas ou reduz o valor das prestações.

– Agilidade na liberação dos recursos: dentro de pouco tempo a instituição financeira libera o dinheiro e é possível se mudar para o imóvel.

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Muitos índices têm um impacto direto nas nossas decisões financeiras. Um desses índices, é o INCC (Índice Nacional de Custos de Construção). Neste artigo vamos abordar um pouco mais do tema e entender como ele influencia o financiamento de imóveis em construção e na planta. O que é o INCC? A sigla INCC refere-se ao …

O que é e como calcular o INCC? Leia mais »

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Comprar um imóvel é uma decisão marcante, mas também vem acompanhada de muitas incertezas. Dada a importância e o valor envolvido, é crucial entender todas as variáveis em jogo. E em meio a todas as opções, uma dúvida comum surge: Qual a diferença entre consórcio e financiamento?

Decifrando as Modalidades: Consórcio e Financiamento:

Financiamento:

Para compreender as diferenças, vamos começar entendendo o financiamento. Ele é uma modalidade que divide o valor de um bem em parcelas, possibilitando adquirir produtos caros, como imóveis e carros, mesmo quando o pagamento à vista não é viável. Instituições financeiras emprestam o valor ao cliente, que o reembolsa com juros ao longo do tempo.

O Financiamento de Imóveis:

No mercado, você encontrará diversas opções de financiamento. As instituições diferem nas condições oferecidas, como taxas de juros, número de parcelas e valor das prestações. Simuladores de financiamento são uma ferramenta útil para comparar essas opções. Após escolher a instituição, é hora de providenciar a documentação necessária para formalizar o negócio. Geralmente, essa lista inclui:

1. CPF do comprador
2. Comprovante de estado civil
3. Comprovantes de renda, como holerites e declarações de imposto de renda
4. Recibos de serviços (no caso de autônomos).

Os comprovantes de renda mostram a capacidade de pagamento das prestações, que idealmente não devem ultrapassar 30% da renda familiar bruta. O banco também consulta cadastros como o Serasa para identificar situações de inadimplência. Após a aprovação do crédito, um engenheiro avalia o imóvel e o contrato é registrado em cartório. O vendedor recebe o pagamento, e você começa a pagar as prestações.

Consórcio:

Nesse cenário, empresas administradoras gerenciam o consórcio, uma modalidade supervisionada pelo Banco Central. Ao aderir a um consórcio para comprar um imóvel, você participa de um grupo com objetivos semelhantes. Cada integrante paga parcelas, acumuladas em um fundo.A administradora distribui os valores por sorteio, mas você também pode antecipar prestações com um lance, aumentando suas chances de ser contemplado.

Desvendando o Funcionamento do Consórcio:

Antes de aderir, é vital entender como o consórcio opera. Cada administradora oferece produtos variados, com parcelas calculadas a partir do valor da carta de crédito e acrescidas de taxas de gestão do grupo e fundos de reserva.

Quando alguém é contemplado, há um processo até a obtenção da carta de crédito para a compra do imóvel. Procedimentos variam entre administradoras.

A FINANCIAR IMÓVEIS analisa a melhor opção de financiamento para você. Oferecemos assessoria completa em todas as fases do processo!

E o melhor: todo o processo, do início ao fim, é feito sem nenhum custo para o cliente. Esse é o compromisso da FINANCIAR IMÓVEIS.

Entre em contato conosco pelo e-mail financiamento@finaciarimoveis013.com.br ou pelo telefone (13) 3500 – 6921. Nosso endereço é Rua Espírito Santo, nº 121 – Conj 01 — Santos/SP.

Siga-nos também nas redes sociais: @financiarimoveis.

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O programa Minha Casa, Minha Vida recentemente passou por importantes alterações e oferece ótimas oportunidades para quem almeja conquistar sua residência própria. Porém, ele tem algumas regrinhas importantes que devem ser seguidas na hora da contratação: 1. Elegibilidade: Participantes não podem possuir nenhum imóvel em seu nome nem estar participando de algum financiamento ativo em …

Minha Casa, Minha Vida: O que de fato mudou? Leia mais »

Ao planejar a compra de um imóvel, o comprador precisa computar os gastos com documentação, taxas e impostos. É importante estar ciente dessas obrigações financeiras para se planejar adequadamente. Um dos tributos, o ITBI, varia de acordo com cada prefeitura. Na Baixada Santista, há distinção na cobrança de uma cidade para outra. Enquanto Santos estabelece …

Quais são as taxas e impostos devem ser pagos na hora da compra do imóvel? Leia mais »

Ao contratar um financiamento imobiliário, uma das escolhas que o comprador precisa fazer é o tipo de indexador utilizado para correção das parcelas ao longo do tempo. Dois indexadores comuns no mercado brasileiro são a TR (Taxa Referencial) e o IPCA (Índice Nacional de Preços ao Consumidor Amplo). Cada um possui características distintas e pode …

TR ou IPCA? Qual é o indexador mais apropriador para o seu contrato? Leia mais »