The dream of owning a home is something that is the goal or dream of most Brazilians. To do the home financing It was much easier in the last decade, but with the serious crisis that hit the country's economy, things became 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 a guarantee 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 directly remember Caixa Econômica, which has very good financing services and a history of helping to achieve the dream of owning your own home.
This year, Caixa changed the financing ceiling, and now it no longer has coverage of 100% of the value of the property, this was a big advantage, so it is worth looking at other options.
The vast majority of banks such as Bradesco, Itaú and Banco do Brasil have their own property 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
If you are thinking about doing the home financing, whether it is new or even a used property, it is necessary to find out all the aspects, as well as IPTU, location, choice of city and the cost-benefit advantages.
So do a lot of research, calmly choose both your property option and your financing option, so that over time this choice does not become a problem.
Sites generally offer financing simulation services, you can access the Caixa website, or from Bradesco Bank, or even from the bank of your choice and search for the best option.
