The dream of owning a home is something that is the goal or dream of most Brazilians. Doing so home financing It has been much easier in the last decade, but with the serious crisis that has taken hold in the country's economy, things have become a little more complicated.
Financing consists of a loan in which a credit administrator pays the full value of the property to be purchased, and you pay this amount in reduced installments.
During this period, the property serves as collateral for the bank or financial institution that made the payment, in case you do not honor your commitment.
What are the options for financing your own home?
When we talk about financing, we immediately think of Caixa Econômica, which has very good financing services and a history of helping people achieve their dream of owning their own home.
This year, Caixa changed the financing ceiling, and now there is no longer coverage of 100% of the property value, this was a great advantage, so it is worth checking out other options.
The vast majority of banks such as Bradesco, Itaú, Banco do Brasil have their own real estate financing programs, and if you have an account with a bank it is worth checking availability.
It is necessary to consider more than the ceiling and interest rates
If you are thinking about doing the home financing, whether it is a new or even a used property, it is necessary to check all the requirements, as well as IPTU, location, choice of city and the cost-benefit advantages.
So do a lot of research, choose carefully both your property option and your financing option, so that over time this choice does not become a problem.
Websites usually offer financing simulation services, you can access the Caixa website, or of the Bradesco Bank, or even your preferred bank and search for the best option.