Cash Financing
Let's get straight to the point: you can use Caixa Financing to finance a house, apartment, new or used – sure, Caixa has the ideal line of credit for you.
What is it
If you are going to buy a new or used property, Caixa has the ideal housing credit line for you with up to 35 years to pay!
Caixa assesses the property and payment terms. The financing portion can be up to 30% of your gross family income and you can use your FGTS as part of the payment
Want to see the type of financing that best fits your pocket?
Run a simulation and look for the Caixa Correspondent closest to you or CAIXA Branch
How do I do Cash Financing?
1 – Run a simulation
Enter your data and find out the value of the installment, term and other conditions to finance a property.
To run the simulation, access.
2nd - Credit analysis
Present the documentation to the bank correspondents or to the manager at the branch. It is at this point that Caixa identifies the possibilities for using your FGTS and the type of credit that is most suitable for you.
To view the required documentation: access.
3rd - Engineering analysis
After analyzing the documents, Caixa goes to the property to assess the sale value and conditions of use.
Follow your proposal
4 - Signature of the contract
After engineering and credit approval, just go to the Caixa agency. With the signed contract, you can consult information through the Caixa Housing application or here through the website.
My Contract
5 - Payment of installments
Over the period established in the contract, the monthly installments of the housing loan are paid. Count on the ease of direct debit or print the slips through the website or the Caixa Housing application.
services
6 - Financing management
Some extra money came in and you want to pay off your outstanding balance? Or have things tightened and you need a break from paying your installments? These and other adjustments can be made through Internet Banking Caixa, through the website or at your branch.
Learn all about home ownership
If you already have a loan, check out what else Caixa can do for you.
- Financing Booklet
Clear all doubts about how to contract your financing. - Construcard
Caixa finances the construction material for your work at the best rates. - real estate consortium
Buy or renovate your home in a planned way with Caixa. - Popular Housing
See all Caixa for the Public Power's areas of action. - Caixa real estate
Get to know (X) Imóveis. Caixa's real estate portal. The best choice for those who want to pay less. - debt negotiation
Negotiate your housing contract debts without leaving home. - Housing Services
Already have a contract and need some information about it? Choose the best service channel.
Understand: TR, IPCA or Fixed Rate?
TR, IPCA or Fixed Rate: which one to choose?
Caixa provides housing financing modalities with two different correction factors: TR and IPCA. They monthly update the outstanding balance on the due date of the installments. The housing financing modality is also offered without correction, that is, with a Fixed Rate.
Get to know the characteristics of each index and choose which one best suits your financial planning. know more.
Comparative Charts
Understand how the variation in the amounts paid for the installment and the outstanding balance occurs in contracts that use TR or IPCA, in addition to fixed-rate contracts
Debt Balance Graph
According to current indices, in contracts with SAC amortization system, the value of the outstanding balance when the index is the TR or when the rate is pre-fixed, decreases equally (the green line overlaps the orange line) and faster than when using the IPCA. The results expressed by the graph are hypothetical given the uncertainties of the future variation of the IPCA and the TR.*
For the simulation of the graph, the following values were used:
Financing Amount R$ 300mil Term: 360 months Rate: 3.95%a.a Hypothetical IPCA: 3.8%a.a.
See Graph*: access.
Installment Value Graph
According to the current indices, in contracts with the SAC amortization system, the value of the installment that uses the TR as an index or the pre-fixed rate, decreases over time, while in contracts that use the IPCA, the value of the installment increases because undergoes the same IPCA correction applied to the balance. The results expressed by the graph are hypothetical given the uncertainties of the future variation of the IPCA and the TR, in the same way as the previous one.*
The outstanding balance is updated every month on the due date of the installments, therefore, the simulated installments will have monthly changes according to the correction factor.
For the simulation of the graph, the following values were used:
Financing Amount R$ 300mil Term: 360 months Rate: 3.95%a.a Hypothetical IPCA: 3.8%a.a.
See Graph*: access.
*Observation: The data used in the illustrations are hypothetical.
Real Estate Credit with IPCA
Now you can finance your property using the Extended National Consumer Price Index (IPCA) as a factor for updating the outstanding balance of your contract. This is the new option Caixa offers in addition to TR. Interest rates will be available for contracting from 08/26 and vary from IPCA + 2.95% to IPCA + 4.95% pa
Do a simulation* and see which alternative is best for you.
*The installment value shown in the simulations is recalculated for the remaining term to balance the contract in order to settle it.
You can also use your FGTS
Caixa housing credit is made by the Financial Housing System - SFH and is guaranteed by fiduciary alienation (i.e., the property is the loan guarantee itself).
The FGTS balance can be used to finance the property, one of the conditions being that the worker has at least 3 years of formal employment.
The property must be located in the same municipality, neighboring municipalities or members of the same metropolitan region where you have lived for more than one year. If or where you work
For more, access the booklet provided by Caixa.
Downloadable documents
- Real estate financing - access
What should I know to contract my financing? - Required documentation – access
Check all the necessary documentation for your financing - Caixa Real Estate Financing Booklet – access
Consult the housing finance booklet
Do you still have questions about Caixa Financing?
service channels
- Call to 0800 726 0101
Talk directly to us. - Social media
We also serve at Facebook - Google Assistant – access
Contact Caixa via Google Assistant - SAC 0800 726 0101
- Ombudsman 0800 725 7474
Other important channels:
Before Hiring
Before making any final decision, it is worth finding out about all the details of each of the hires. Understand the conditions of the bank and existing alternatives. As well as gaining clarity on whether this is really the best time to do so.
Secure Digital
Here at Digital Seguro we have a wide variety of articles and news. These range from significant updates on day-to-day events about the country's economic situation and other matters related to it, to extensive and dense content, in an educational and/or expository format, whose objective is precisely to keep you provided with all the necessary information. for you to recognize the best option and make the best decision for your specific situation. Know more.
Discover our page financing and loan simulation.
See too: Home financing by HSBC Bank.
