Como fazer um financiamento imobiliário: 4 formas

Por: Dicas & Finanças Image: Reprodução / google.com

Financiar um imóvel significa contrair um empréstimo para comprar a sua casa própria.

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O dinheiro é utilizado especificamente com essa finalidade e é totalmente direcionado ao vendedor do imóvel.

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O comprador paga o bem por meio de prestações mensais para a instituição financeira, com taxa de juros, prazo de pagamento e outras condições previamente acordadas.

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Todos os detalhes estão definidos em contrato. Ele é assinado pelas duas partes para garantir a segurança na negociação.

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Normalmente, o financiamento imobiliário tem uma das taxas de juros mais baixas do mercado.

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Para começar a descobrir como financiar um imóvel pela Caixa, você deve escolher a propriedade, ou, no mínimo, ter uma ideia do valor do bem que deseja comprar.

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Depois, é interessante fazer uma simulação. O próprio site da Caixa já tem um simulador de financiamento imobiliário.

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Para conseguir um financiamento imobiliário é preciso ter 18 anos ou mais, demonstrar ter renda suficiente para pagar as parcelas e estar com o (CPF) regularizado.

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