Guia do imóvel novo Minha Casa, Minha Vida 20 de março de 2023
Conquistar um imóvel próprio é um desejo de consumo de grande parte dos brasileiros. Porém, muitas pessoas acreditam que esse sonho é algo distante, até mesmo impossível. A notícia boa é que com a possibilidade de financiamento, principalmente dentro de programas habitacionais como o “Minha Casa, Minha Vida”, é possível conseguir um imóvel com parcelas e taxas de juros mais baixas que a média do mercado.
Portanto, o financiamento de um imóvel pode ser realizado através de instituições financeiras, construtoras e bancos, como a Caixa Econômica Federal, que oferece diversos benefícios para o comprador.
Então, entenda como funciona um financiamento habitacional pela Caixa!
Entenda o que é o financiamento de imóvel
O financiamento é uma concessão de crédito, normalmente feito por um banco, instituição financeira ou direto com a construtora, nos casos de financiamento imobiliário.
O valor do financiamento só pode comprometer até 30% da renda do comprador. Caso o valor ultrapasse esse limite, o financiamento é reprovado pela instituição. No sistema proposto pela Caixa, o comprador vai pagar o valor de entrada — que pode ser parcelado, e o restante vai ser financiado. Então, basicamente a empresa compra o seu imóvel à vista e você paga de volta esse valor em parcelas mensais. A Caixa parcela o seu imóvel em até 35 anos no máximo, ou seja, você tem 420 meses para pagar. Esse tempo pode ser diminuído com a amortização, que abate o saldo devedor.
Regras para conseguir financiar o seu imóvel
Em primeiro lugar, é importante entender que existem algumas regras para você conseguir ter o seu financiamento aprovado. Confira abaixo o que você precisa para garantir o seu imóvel:
- Ser brasileiro ou naturalizado no país;
- Maior de idade;
- Ter renda mensal bruta suficiente;
- As prestações do financiamento não podem ultrapassar 30% da renda do cliente;
- Apresentar comprovação de renda;
- Não ter o nome negativo ou inscrito em órgãos de proteção de crédito, como o Serasa, SPC, Boa Vista, etc;
- Não ter usado o FGTS para outro financiamento habitacional.
Etapas do Financiamento
De fato, o financiamento é um processo complexo. Justamente por esse motivo que a Livar está aqui para te ajudar durante todas as etapas.
O primeiro passo é fazer uma simulação de financiamento, que pode ser feito pelo site da Caixa com a ajuda da Livar. Pela simulação, você vai ter uma ideia de quanto ficaria as parcelas do imóvel escolhido e qual seria o valor do subsídio fornecido.
Simulação feita, passamos para a etapa de envio de documentos. Os documentos exigidos pela Caixa são:
- Documento de identidade (RG, CNH) com o CPF;
- Certidão de estado civil;
- Comprovante de endereço atualizado;
- Comprovante de renda;
- Extrato do FGTS (caso tenha);
- Holerite (caso tenha);
- Declaração do Imposto de Renda;
- Carteira de Trabalho (física ou digital).
Os comprovantes de renda aceitos pela Caixa são: os três últimos holerites, Declaração de Imposto de Renda de Pessoa Física e a Carteira de Trabalho. Para autônomos, pode-se apresentar os três últimos extratos bancários da conta corrente e o Imposto de Renda, ou o DECORE (Declaração Comprobatória de Percepção de Rendimentos).
A próxima fase é a análise de crédito. A Caixa vai avaliar se o financiamento pode ser aprovado ou não, com base na sua renda e no imóvel escolhido. O financiamento pode ser reprovado por vários fatores, como ter o nome sujo, ter empréstimos altos e não possuir renda suficiente. Algo que facilita o processo de análise é ter uma conta ativa na Caixa.
Depois que for feita todas essas etapas, é só assinar o contrato e se preparar para o seu novo imóvel!
Vantagens de financiar pela Caixa
A Caixa Econômica Federal é a maior operadora de financiamentos no país, e oferece a opção mais segura para adquirir o seu lar. Comprar o seu imóvel pelo seu sistema é uma das melhores opções, pois oferece diversas vantagens, principalmente para pessoas com rendas menores.
Pela Caixa, você pode utilizar programas habitacionais, como o Minha Casa, Minha Vida, inicialmente lançado em 2009. O programa oferece taxas de juros mais baixos, subsídio que pode chegar até R$ 47.500,00, dependendo da sua renda, a possibilidade de usar o FGTS na entrada ou na amortização de parcelas e a composição de renda, que explicamos como funciona neste post.
Além de oferecer as menores taxas de juros do mercado, a Caixa também disponibiliza prazos maiores para o pagamento. Você pode financiar um imóvel em até 35 anos - e esse tempo pode diminuir com a amortização. Além disso, tem a possibilidade de parcelar a entrada.
Portanto, confira abaixo o passo-a-passo do que você precisa ter em mãos para iniciar o seu financiamento e conquistar o seu tão sonhado lar próprio com a Livar!
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