Banco HSBC is one of the largest banks in Brazil based in London, and its home financing has one of the best rates on the market, and without a doubt, the best conditions for those who want to buy their own home.
And as such, that is, a bank that cares about you, it offers a series of facilities to make its customers' dreams come true. A bank that offers real estate financing, personal credit, payroll loans among other financial services.
A very interesting option in HSBC home financing is that the customer can do a credit simulation to find out in advance what the financing interest rate will be, how many installments can be made and the estimated time to pay off the credit. Check out the HSBC simulators below and start planning to make your dreams come true right now.
What is Home Financing?
Research shows that purchasing a property in cash is a distant reality for most people, but this does not prevent them from realizing their dream of home ownership, as there are home financing options in several banks in the country.
In general, it is understood that real estate financing is a type of contract with a financial institution that makes it possible to buy a property even if you do not have enough resources to pay for it. Through real estate financing, you can acquire your own home with up to 35 installments to be paid.
Due to the ease of home financing, thousands of Brazilians have managed to fulfill their dream of buying their own home. Therefore, the real estate financing packages offered by private and public banks facilitate the acquisition of property. with lower interest rate and affordable payment method, which makes it a good alternative for those looking for their own home.
How to finance a property through HSBC
Check out the prerequisites for funding:
Dear Digital Seguro reader, you must understand that if you do not meet the required requirements, your home financing application will be rejected by the financial institution.
In order to submit a proposal, it is essential to prove that you are of legal age, that is, to be over 18 years of age, to have enough income to demonstrate your ability to pay off the installments and, last but not least, not to have your name included in credit protection
Simulate home financing online:
Nowadays we have the internet to make our lives easier, so you have practical options to make your life easier. Check it out: to find the best property financing, it is recommended that the individual do a simulation at different banking institutions to find out which ones offer the best financing conditions.
Another important thing to understand is that each bank has its own particularities when offering property financing, which means that interest rates and payment terms change according to the financial institution.
How to apply for funding Register:
For a “first trip sailor”, as the popular saying goes, we can say that it can be complicated, but it is not personal! Check it out: the request for property financing requires the initial completion of personal data so that the financial institution can carry out a credit analysis.
What documents to take? Well, the general documents are simple. Documents such as RG and CPF, originals and copies, proof of marital status and proof of income must be taken to the financial institution.
One last detail: if perhaps the individual has stable or married status, it is also necessary to take the documents of the partner.
General conditions of HSBC properties
HSBC Bank has some conditions, check it out:
Credit line: Housing Financial System (SFH)
Financing of up to 80% of the property value
Up to 30 years to pay
The property can be new or used.
Allowed the use of FGTS
It is possible to commit a maximum of 30% of income
Constant Amortization System SAC or Price Table
Check the general conditions of houses above R$ 700
Line of credit: Market rate - SFI
Financing of up to 80% of the property value
Up to 30 years to pay
The property can be new or used.
No use of FGTS
Constant Amortization System SAC or Price Table
Documentation delivered, what to do now?
Having done this bureaucratic part of your documentation, your information has gone through the credit analysis. In the credit analysis, the bank confirms your information, verifies that your name is registered on the credit restriction list, and analyzes whether your income is sufficient to pay off the financing debt.
You need to know that it is very much in the interest of the bank that you fulfill your obligation in the future, so every aspect is taken into account before pre-approving the loan. Generally, the amount of financing granted cannot commit more than 30% of your income in your installments.
Valuation of the property by the technical team
Folks, there are certain stages of the home financing process that cannot be avoided, for example, the property financing process is bureaucratic, not being completed on your first visit to the bank. You must point out which property you want to finance and its value, which will undergo an assessment by the bank itself to confirm the value demonstrated by you.
Usually the deadline for the report is approximately 15 days to complete.
It is at this time that the bank also analyzes other documents relevant to the seller to make sure that the property does not have any judicial or legal pending.
What are the payment methods for home financing?
The shapes are varied. Due to property financing being a long-term credit line, the financing installments may last up to 35 years. If you want to settle the property loan earlier, you must contact the bank to find out the total amount of the debt, with proportional interest charged, updated for the new settlement date.
In this way, the financing amount can be paid with national currency or FGTS balance.
Still have questions about HSBC home finance?
So get in touch, we've gathered the main phones for you to answer your questions.
SAC – HSBC Customer Service
SAC HSBC
Telephone: 0800-729-5977
Telephone for the Disabled: 0800-701-5934
Personal Service: Monday to Monday, from 06:00 to 17:40
SAC Losango
Telephone: 0800-729-5980
Telephone for the hearing and speech impaired: 0800-722-4004
Opening hours: 24 hours a day
Losango Ombudsman
Telephone: 0800-727-9933
Telephone for the hearing and speech impaired: 0800-722-0099
Opening hours: Monday to Friday, from 8:00 am to 6:00 pm, except national holidays.
HSBC Ombudsman
Telephone: 0800-701-3904
Telephone for hearing and speech: 0800-701-5934
Opening hours: Monday to Friday, from 10:00 am to 4:00 pm, except national holidays.
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Source: HSBC
