Você sabia que existe uma idade máxima para financiar um imóvel?

26 de setembro de 2022

 Patrícia

É muito comum as pessoas se espantarem ao descobrir que existe uma idade máxima, que foi ampliada, para financiar um imóvel.

Se você tem a condição de começar a busca pela casa própria ainda jovem (com mais de 18 anos), ótimo! Mas se a sua idade já for um pouco avançada, atente-se a este artigo!

Afinal, qual é essa idade?

 A idade máxima para financiar um imóvel é de 80 anos e 6 meses. Porém, esse número é referente à idade no final do financiamento. Ou seja, uma pessoa com 55 anos hoje, poderá realizar um financiamento que tenha 25 anos de duração, por exemplo!

Esse limite existe devido aos riscos maiores de doenças, acidentes, invalidez ou até mesmo falecimento que as pessoas mais velhas apresentam. É claro que o risco existe para os mais jovens, porém a taxa é muito menor!

O que é exigido além da idade?

Além da exigência de idade mínima e máxima, é necessário não ter problemas de crédito ou de restrições, apresentar a capacitação de pagamento e de estado civil, comprovar renda mínima mensal para que haja um valor realista da parcela, que não pode ser superior a 30% da renda familiar mensal bruta.

Portanto, se você pretende investir em um imóvel, planeje-se para que as condições de pagamento sejam as melhores possíveis. Outro ponto importante que pode ajudar é a composição de renda e o uso do FGTS para adquirir o seu imóvel.

Pronto para dar mais um passo importante em sua vida? Conheça o portfólio completo da KRCON e escolha o seu novo jeito de morar!

Outras notícias


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