R. Desembargador Jorge Fontana, 50
6º andar • Belvedere
Cep: 30320-670 - Belo Horizonte • MG
2024 • Construtora Altti • Todos os direitos reservados
R. Desembargador Jorge Fontana, 50
6º andar • Belvedere
Cep: 30320-670 - Belo Horizonte • MG
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Investir no mercado imobiliário garante segurança patrimonial e aumenta a sua disciplina financeira. Contudo, você deve estar se perguntando: como comprar um apartamento sem se endividar? Preparar-se financeiramente é o melhor começo.
Se a conquista de um patrimônio está entre seus objetivos atuais, nós selecionamos excelentes dicas para você assumir esse compromisso sem desestabilizar o seu orçamento familiar. Continue acompanhando e confira!
Um bom planejamento financeiro de longo prazo ajudará você a atingir sua meta, colaborando para que você invista nos melhores imóveis para morar com a sua família, ou para obter retorno com o aluguel do bem.
Ter um plano vai prepará-lo para cada etapa da aquisição do seu novo apartamento. Por essa razão, nós garantimos que ter um orçamento bem-definido é a melhor ferramenta para assumir o controle de suas finanças.
Investir em um imóvel não é propriamente simples. O primeiro passo é definir entre duas opções: o pagamento à vista — que evita juros e taxas e permite maiores negociações no valor final — e o financiamento imobiliário, que viabiliza a compra de apartamentos com fluxo de pagamento mais amplo, não liquidando as reservas econômicas do comprador. Portanto, escolha a modalidade que mais combina com seu momento e condições financeiras atuais.
Embora a Caixa Econômica Federal seja a maior concessora de empréstimos para essa finalidade, vale destacar que outras instituições também abrangem o mercado imobiliário. Inclusive, podem ser até mais vantajosas, já que viabilizam contratos mais flexíveis conforme a sua renda.
Descubra se o seu banco tem esse serviço, pois os clientes costumam obter mais benefícios relacionados às taxas. O extenso número de parcelas pode acrescentar altas taxas de juros. Nesse caso, faça o possível para diminuir a quantidade de pagamentos mensais.
O consórcio imobiliário também é uma boa opção. Basicamente, consiste em um grupo de pessoas com interesse na aquisição de um imóvel investindo parcelas individuais. Todos os meses os membros do grupo concorrem a sorteios de contemplação de uma propriedade no valor determinado na contratação do consórcio. Também é possível utilizar o FGTS para oferecer lances ou complementar o valor da carta de crédito para comprar o apartamento desejado.
Se você possui uma boa reserva financeira, poderá comprar o imóvel desejado diretamente com a construtora, financiando o valor integral durante a obra. A obra por administração tem muitas vantagens, como a garantia de redução de valores, uma vez que você estará investindo como sócio naquele empreendimento, pagando os custos da obra e a taxa de administração para que está construindo. Além disso, o contrato direto com a construtora tem menos exigências em comparação com os bancos. Por isso, é sempre válido consultar a empresa para conhecer suas propostas, regras e condições.
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Tendo em vista que o financiamento requer uma entrada, o montante varia de acordo com a instituição escolhida. É comprovado que oferecer pelo menos 50% do preço do apartamento deixa a compra mais segura e ainda facilita a negociação da quantidade de parcelas ou o valor de cada uma. Contudo, dependendo do valor da propriedade, pelo menos 20% pode ser o suficiente para a entrada.
O Fundo de Garantia por Tempo de Serviço (FGTS) é também uma boa opção para contribuir com a compra do seu apartamento. É possível usar esse valor para abater no pagamento total do imóvel ou para amortizar o financiamento imobiliário realizado por meio do Sistema Financeiro de Habitação (SFH). Confira as regras para a utilização do FGTS.
Como podemos ver, sempre existe uma possibilidade de comprar um apartamento sem se endividar e aproveitar esse mercado em ascensão. Conhece outras formas de investir nos melhores imóveis sem desequilibrar o orçamento familiar? Então deixe um comentário neste artigo e compartilhe com os demais leitores a sua opinião e as suas ideias sobre o assunto!