{"id":2300,"date":"2024-10-24T20:25:59","date_gmt":"2024-10-24T23:25:59","guid":{"rendered":"https:\/\/www.imovelp.com.br\/blog\/?p=2300"},"modified":"2024-10-24T20:31:34","modified_gmt":"2024-10-24T23:31:34","slug":"mudancas-financiamento-caixa-imoveis-na-planta","status":"publish","type":"post","link":"https:\/\/www.imovelp.com.br\/blog\/mudancas-financiamento-caixa-imoveis-na-planta\/","title":{"rendered":"O que muda no financiamento da Caixa com as novas regras"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2300\" class=\"elementor elementor-2300\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-505b872 e-flex e-con-boxed e-con e-parent\" data-id=\"505b872\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84141cf elementor-widget elementor-widget-text-editor\" data-id=\"84141cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 25-10-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">Comprar um im\u00f3vel na planta sempre foi uma das maneiras mais acess\u00edveis de realizar o sonho da casa pr\u00f3pria. O comprador normalmente paga parte do im\u00f3vel durante a constru\u00e7\u00e3o e, quando o apartamento \u00e9 entregue, financia o saldo devedor junto a um banco, com parcelas mais dilu\u00eddas. Por\u00e9m, a Caixa Econ\u00f4mica Federal est\u00e1 prestes a implementar novas regras que podem impactar diretamente o valor do financiamento e as condi\u00e7\u00f5es oferecidas.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-22fec27 e-flex e-con-boxed e-con e-parent\" data-id=\"22fec27\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d568da elementor-widget elementor-widget-text-editor\" data-id=\"6d568da\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A partir de 1\u00ba de novembro, mudan\u00e7as significativas no financiamento de im\u00f3veis podem alterar os planos de quem j\u00e1 comprou ou planeja comprar um apartamento na planta. Entenda neste artigo como essas novas regras impactam o seu bolso e quais s\u00e3o as alternativas dispon\u00edveis.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24cf572 e-flex e-con-boxed e-con e-parent\" data-id=\"24cf572\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d82582 elementor-widget elementor-widget-image\" data-id=\"0d82582\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 25-10-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"640\" src=\"https:\/\/www.imovelp.com.br\/blog\/wp-content\/uploads\/2024\/10\/12-01-O-que-e-e-como-funciona-o-financiamento-bancario-e1516305595642-1-1080x675-1-1024x640.jpg\" class=\"attachment-large size-large wp-image-2302\" alt=\"\" srcset=\"https:\/\/www.imovelp.com.br\/blog\/wp-content\/uploads\/2024\/10\/12-01-O-que-e-e-como-funciona-o-financiamento-bancario-e1516305595642-1-1080x675-1-1024x640.jpg 1024w, https:\/\/www.imovelp.com.br\/blog\/wp-content\/uploads\/2024\/10\/12-01-O-que-e-e-como-funciona-o-financiamento-bancario-e1516305595642-1-1080x675-1-300x188.jpg 300w, https:\/\/www.imovelp.com.br\/blog\/wp-content\/uploads\/2024\/10\/12-01-O-que-e-e-como-funciona-o-financiamento-bancario-e1516305595642-1-1080x675-1-768x480.jpg 768w, https:\/\/www.imovelp.com.br\/blog\/wp-content\/uploads\/2024\/10\/12-01-O-que-e-e-como-funciona-o-financiamento-bancario-e1516305595642-1-1080x675-1.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a0b7c52 e-flex e-con-boxed e-con e-parent\" data-id=\"a0b7c52\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d91f5f elementor-widget elementor-widget-heading\" data-id=\"6d91f5f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 25-10-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-medium\">As novas regras da Caixa no financiamento imobili\u00e1rio\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0504dd2 e-flex e-con-boxed e-con e-parent\" data-id=\"0504dd2\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7708865 elementor-widget elementor-widget-text-editor\" data-id=\"7708865\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Com a redu\u00e7\u00e3o dos recursos dispon\u00edveis para o Sistema Brasileiro de Poupan\u00e7a e Empr\u00e9stimo (SBPE), a Caixa anunciou mudan\u00e7as que afetam diretamente os financiamentos de im\u00f3veis novos e usados. O objetivo \u00e9 preservar os recursos da poupan\u00e7a, que t\u00eam sido cada vez mais sacados pela popula\u00e7\u00e3o.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb0b101 e-flex e-con-boxed e-con e-parent\" data-id=\"fb0b101\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b95544a elementor-widget elementor-widget-text-editor\" data-id=\"b95544a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A principal altera\u00e7\u00e3o \u00e9 a redu\u00e7\u00e3o no percentual que a Caixa vai financiar: antes, era poss\u00edvel financiar at\u00e9 80% do valor do im\u00f3vel pelo Sistema de Amortiza\u00e7\u00e3o Constante (SAC). Com as novas regras, esse percentual cai para 70%, for\u00e7ando o comprador a desembolsar uma entrada maior.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-afc1706 e-flex e-con-boxed e-con e-parent\" data-id=\"afc1706\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e2a111 elementor-widget elementor-widget-heading\" data-id=\"9e2a111\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Redu\u00e7\u00e3o do financiamento via SBPE<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e80aeab e-flex e-con-boxed e-con e-parent\" data-id=\"e80aeab\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30357d7 elementor-widget elementor-widget-text-editor\" data-id=\"30357d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A Caixa \u00e9 um dos principais bancos que utilizam os recursos do SBPE para financiar im\u00f3veis no Brasil. Por\u00e9m, a queda na forma\u00e7\u00e3o de reservas desse sistema, que antes representava 70% do total de recursos dispon\u00edveis, caiu para 34%. Essa redu\u00e7\u00e3o for\u00e7ou a Caixa a rever suas pol\u00edticas de financiamento, impactando quem pretende financiar um im\u00f3vel, especialmente na planta.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f44f2c e-flex e-con-boxed e-con e-parent\" data-id=\"8f44f2c\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cfa67c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2cfa67c\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 25-10-2023 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100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a2e729 elementor-widget elementor-widget-heading\" data-id=\"8a2e729\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\"><a href=\"https:\/\/www.imovelp.com.br\/proprietario\">Cadastre seu im\u00f3vel gratuitamente na Im\u00f3velp<\/a><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8520c54 elementor-widget elementor-widget-text-editor\" data-id=\"8520c54\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.imovelp.com.br\/proprietario\"><em>Se voc\u00ea \u00e9 <strong>propriet\u00e1rio de um im\u00f3vel<\/strong>, saiba que pode <strong>cadastrar seu im\u00f3vel gratuitamente<\/strong> na plataforma Im\u00f3velp. Com isso, seu im\u00f3vel ser\u00e1 exposto para uma <strong>rede de corretores associados<\/strong> prontos para ajudar na venda r\u00e1pida e segura. Aproveite essa oportunidade de conectar diretamente com profissionais capacitados e aumentar suas chances de sucesso no mercado imobili\u00e1rio.<\/em><\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba74457 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ba74457\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a16f21e e-flex e-con-boxed e-con e-parent\" data-id=\"a16f21e\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-441d5b5 elementor-widget elementor-widget-heading\" data-id=\"441d5b5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Diferen\u00e7as entre Sistema de Amortiza\u00e7\u00e3o Constante (SAC) e Tabela Price<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9e24d8 e-flex e-con-boxed e-con e-parent\" data-id=\"a9e24d8\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85fd2f1 elementor-widget elementor-widget-text-editor\" data-id=\"85fd2f1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Existem dois sistemas principais de amortiza\u00e7\u00e3o: o Sistema de Amortiza\u00e7\u00e3o Constante (SAC) e a Tabela Price. Com as novas regras, ambos foram afetados, mas de maneiras diferentes. \u00c9 importante entender as particularidades de cada um para decidir qual se encaixa melhor no seu perfil.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ced042 e-flex e-con-boxed e-con e-parent\" data-id=\"2ced042\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e97283 elementor-widget elementor-widget-heading\" data-id=\"1e97283\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-small\">SAC: De 80% para 70% de financiamento\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b28e9e8 e-flex e-con-boxed e-con e-parent\" data-id=\"b28e9e8\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-238a135 elementor-widget elementor-widget-text-editor\" data-id=\"238a135\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pelo Sistema de Amortiza\u00e7\u00e3o Constante, o comprador pagava parcelas decrescentes ao longo do financiamento, e podia financiar at\u00e9 80% do valor do im\u00f3vel. Com a nova regra, esse percentual caiu para 70%, o que significa que quem antes precisava dar 20% de entrada, agora ter\u00e1 que desembolsar 30%.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fcc7400 e-flex e-con-boxed e-con e-parent\" data-id=\"fcc7400\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b31924a elementor-widget elementor-widget-heading\" data-id=\"b31924a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-small\">Tabela Price: financiamento reduzido para 50%<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b80626 e-flex e-con-boxed e-con e-parent\" data-id=\"8b80626\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9352564 elementor-widget elementor-widget-text-editor\" data-id=\"9352564\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Para quem opta pela Tabela Price, a situa\u00e7\u00e3o \u00e9 ainda mais dif\u00edcil. Agora, a Caixa s\u00f3 vai financiar 50% do valor do im\u00f3vel, for\u00e7ando o comprador a dar metade do valor como entrada. Antes, era poss\u00edvel financiar at\u00e9 70% usando esse modelo, o que tornava as parcelas mais altas, mas com menor necessidade de entrada.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-894a60f e-flex e-con-boxed e-con e-parent\" data-id=\"894a60f\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0da7003 elementor-widget elementor-widget-heading\" data-id=\"0da7003\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Como as novas regras afetam o comprador de im\u00f3vel na planta<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53de9e7 e-flex e-con-boxed e-con e-parent\" data-id=\"53de9e7\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c93b2e elementor-widget elementor-widget-text-editor\" data-id=\"1c93b2e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Se voc\u00ea comprou um im\u00f3vel na planta h\u00e1 alguns anos e est\u00e1 pr\u00f3ximo de fechar o financiamento, essas mudan\u00e7as podem gerar dificuldades. O valor da entrada aumentou e pode n\u00e3o estar dentro do planejamento financeiro inicial. Por isso, \u00e9 crucial se antecipar e entender como as novas regras v\u00e3o afetar sua compra.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdca654 e-flex e-con-boxed e-con e-parent\" data-id=\"cdca654\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf9590c elementor-widget elementor-widget-heading\" data-id=\"cf9590c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-small\">Antecipa\u00e7\u00e3o do financiamento<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7794664 e-flex e-con-boxed e-con e-parent\" data-id=\"7794664\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a76d2b elementor-widget elementor-widget-text-editor\" data-id=\"1a76d2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Para quem j\u00e1 comprou o im\u00f3vel e ainda n\u00e3o fechou o financiamento, a recomenda\u00e7\u00e3o dos especialistas \u00e9 agir r\u00e1pido. Antecipar o financiamento antes das novas regras entrarem em vigor pode ser uma forma de garantir condi\u00e7\u00f5es mais favor\u00e1veis. Al\u00e9m disso, consultar outros bancos pode ser uma sa\u00edda, especialmente se j\u00e1 tiver um relacionamento banc\u00e1rio com eles.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7cadc8a e-flex e-con-boxed e-con e-parent\" data-id=\"7cadc8a\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a009b0f elementor-widget elementor-widget-heading\" data-id=\"a009b0f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Financiamento de obras pela Caixa: O que n\u00e3o mudou<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f0297f e-flex e-con-boxed e-con e-parent\" data-id=\"5f0297f\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-200bd0b elementor-widget elementor-widget-text-editor\" data-id=\"200bd0b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">As novas regras da Caixa n\u00e3o afetam obras que j\u00e1 est\u00e3o financiadas pelo banco. Se voc\u00ea comprou um im\u00f3vel em um empreendimento que tem financiamento direto com a Caixa, as regras antigas ainda se aplicam. Isso d\u00e1 uma certa tranquilidade para quem est\u00e1 dentro desse cen\u00e1rio.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e041b6 e-flex e-con-boxed e-con e-parent\" data-id=\"1e041b6\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51cb61c elementor-widget elementor-widget-heading\" data-id=\"51cb61c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-small\">O papel da Caixa nas obras financiadas<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f6a4309 e-flex e-con-boxed e-con e-parent\" data-id=\"f6a4309\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d86c876 elementor-widget elementor-widget-text-editor\" data-id=\"d86c876\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Quando a Caixa financia a obra, a construtora j\u00e1 tem uma rela\u00e7\u00e3o de longo prazo com o banco, e o comprador pode contar com condi\u00e7\u00f5es de financiamento mais est\u00e1veis. Por outro lado, em obras n\u00e3o financiadas pela Caixa, as novas regras podem trazer desafios.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40f51af e-flex e-con-boxed e-con e-parent\" data-id=\"40f51af\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f30e97 elementor-widget elementor-widget-heading\" data-id=\"3f30e97\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-small\">Op\u00e7\u00f5es para quem n\u00e3o conseguir fechar o financiamento<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-df738c7 e-flex e-con-boxed e-con e-parent\" data-id=\"df738c7\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b1a476 elementor-widget elementor-widget-text-editor\" data-id=\"1b1a476\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">As novas regras da Caixa devem ter um impacto significativo no mercado imobili\u00e1rio. Com a redu\u00e7\u00e3o dos recursos dispon\u00edveis e o aumento da entrada exigida, as vendas de im\u00f3veis podem desacelerar, especialmente nas classes m\u00e9dia e alta.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbd9680 e-flex e-con-boxed e-con e-parent\" data-id=\"dbd9680\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-813c410 elementor-widget elementor-widget-heading\" data-id=\"813c410\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-small\">Diminui\u00e7\u00e3o de recursos para financiamentos<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8bfb148 e-flex e-con-boxed e-con e-parent\" data-id=\"8bfb148\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12b9894 elementor-widget elementor-widget-text-editor\" data-id=\"12b9894\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A escassez de recursos do SBPE afeta n\u00e3o apenas os compradores, mas tamb\u00e9m as construtoras. Com menos dinheiro dispon\u00edvel para financiamentos, as construtoras podem ver uma queda na demanda, for\u00e7ando-as a ajustar seus pre\u00e7os ou a oferecer condi\u00e7\u00f5es mais flex\u00edveis.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-98a3157 e-flex e-con-boxed e-con e-parent\" data-id=\"98a3157\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df6260f elementor-widget elementor-widget-heading\" data-id=\"df6260f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-small\">Poss\u00edveis adapta\u00e7\u00f5es do mercado \u00e0 nova realidade<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dfc522b e-flex e-con-boxed e-con e-parent\" data-id=\"dfc522b\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-678ebec elementor-widget elementor-widget-text-editor\" data-id=\"678ebec\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Para se adaptar, construtoras e bancos podem come\u00e7ar a oferecer novas formas de pagamento, como financiamentos diretos com a construtora ou parcerias com bancos privados. Al\u00e9m disso, podem surgir novos incentivos para atrair compradores, como descontos ou b\u00f4nus em determinadas etapas da obra.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d14555 e-flex e-con-boxed e-con e-parent\" data-id=\"1d14555\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b5cb221 elementor-widget elementor-widget-heading\" data-id=\"b5cb221\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">O que esperar do financiamento imobili\u00e1rio no futuro<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d41fb75 e-flex e-con-boxed e-con e-parent\" data-id=\"d41fb75\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a66548 elementor-widget elementor-widget-text-editor\" data-id=\"6a66548\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">As mudan\u00e7as no financiamento da Caixa representam um desafio para quem j\u00e1 comprou ou pretende comprar um im\u00f3vel na planta. O aumento da entrada e a redu\u00e7\u00e3o do percentual financiado exigem maior planejamento financeiro. No entanto, o mercado imobili\u00e1rio \u00e9 din\u00e2mico, e alternativas podem surgir para facilitar o acesso \u00e0 casa pr\u00f3pria.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed34b83 e-flex e-con-boxed e-con e-parent\" data-id=\"ed34b83\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46a2e6f elementor-widget elementor-widget-heading\" data-id=\"46a2e6f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Oportunidade para Corretores e Imobili\u00e1rias<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bca9514 e-flex e-con-boxed e-con e-parent\" data-id=\"bca9514\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58450af elementor-widget elementor-widget-text-editor\" data-id=\"58450af\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Se voc\u00ea \u00e9 corretor ou atua em uma imobili\u00e1ria e deseja se destacar no mercado imobili\u00e1rio, a <strong>Im\u00f3velp<\/strong> oferece uma plataforma completa que facilita suas vendas e aumenta seus ganhos.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-355038e e-flex e-con-boxed e-con e-parent\" data-id=\"355038e\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9189b1 elementor-widget elementor-widget-text-editor\" data-id=\"b9189b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A <strong>Im\u00f3velp<\/strong> tem parceria com as maiores construtoras do Brasil e oferece o <strong>maior repasse de comiss\u00e3o do mercado<\/strong>, que pode chegar a at\u00e9 <strong>90%<\/strong>. Al\u00e9m disso, com nosso suporte exclusivo, voc\u00ea ter\u00e1 acesso a treinamentos, ferramentas para divulga\u00e7\u00e3o de im\u00f3veis e todas as informa\u00e7\u00f5es necess\u00e1rias para realizar suas vendas de forma simples e eficiente, mesmo atuando fora de S\u00e3o Paulo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-acc3163 e-flex e-con-boxed e-con e-parent\" data-id=\"acc3163\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4951290 elementor-widget elementor-widget-text-editor\" data-id=\"4951290\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>E n\u00e3o para por a\u00ed! Estamos sempre conectados com as \u00faltimas novidades do mercado, oferecendo lan\u00e7amentos exclusivos e acesso direto \u00e0s melhores oportunidades para voc\u00ea vender im\u00f3veis novos e lan\u00e7amentos com condi\u00e7\u00f5es especiais.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d9c081 e-flex e-con-boxed e-con e-parent\" data-id=\"6d9c081\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4eaafd elementor-widget elementor-widget-text-editor\" data-id=\"f4eaafd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.imovelp.com.br\"><strong>Cadastre-se agora na Im\u00f3velp<\/strong><\/a> e aproveite todas as vantagens.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Comprar um im\u00f3vel na planta sempre foi uma das maneiras mais acess\u00edveis de realizar o sonho da casa pr\u00f3pria. O comprador normalmente paga parte do im\u00f3vel durante a constru\u00e7\u00e3o e,&hellip; <\/p>\n","protected":false},"author":2,"featured_media":2302,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,5,7],"tags":[175,169,172,171,173,41,170,13,168,174],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mudan\u00e7as no Financiamento da Caixa para Im\u00f3veis na Planta<\/title>\n<meta name=\"description\" content=\"Como as novas regras impactam o financiamento de im\u00f3veis na planta. 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