Crédito imobiliário: o que é e como utilizá-lo?

26 de setembro de 2022

 Patrícia

Se você está se preparando para investir em um imóvel, já está ciente de que é um grande passo que demanda muitas responsabilidades, principalmente, financeira!

O primeiro passo é escolher um imóvel que atenda às suas necessidades e listar tudo que será necessário para adquiri-lo, como valor, documentação e afins.

O segundo passo é estabelecer a forma de pagamento da compra, à vista ou financiado!

Mas afinal, o que é o crédito imobiliário?

Trata-se de um empréstimo oferecido por bancos e agências financeiras, que pode ser utilizado para comprar ou até mesmo construir uma residência. É uma das modalidades mais conhecidas no Brasil, auxiliando na realização do sonho da casa própria!

Para quitar esse tipo de empréstimo, são utilizadas parcelas fixas e não há variações nas condições do mercado para quem o contrata.

As condições para os créditos imobiliários (sim, existe mais de um tipo) variam de acordo com o banco escolhido. Mas ele é ideal para quem deseja adquirir um imóvel com parcelas mais baixas do que as de um empréstimo convencional.

Pesquise muito para encontrar a menor taxa de juros possível e escolha bem o prazo do empréstimo.

Como utilizá-lo?

Para solicitar um crédito imobiliário é necessário encontrar a instituição financeira ideal, analisando quais os tipos de créditos disponíveis e as taxas que cada um deles oferece.​​ Veja qual a condição se encaixa melhor com as suas necessidades, levando em consideração os seguintes pontos:

  • Valor mensal necessário;
  • Número de parcelas;
  • Valor total dos juros até o fim do empréstimo;
  • Período de carência;
  • Taxas e outras variações.

Após realizar essa análise, entenda se você conseguirá quitar a dívida contraída dentro do prazo necessário, para que não haja problemas futuros!

Agora que você já sabe o que é o crédito imobiliário e como utilizá-lo, conheça os empreendimentos da KRCON e realize o melhor investimento para você e sua família!

Outras notícias


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