Having a home of your own is synonymous with freedom. That's because you are rent free and still have a good in your name. Therefore, so many Brazilians seek real estate financing. Because these are a way to buy the property even if you still don't have all the money. In this way, Caixa real estate credit is a solution.

In this sense, whether new or used property, Caixa offers you exclusive conditions and up to 35 years to pay. In addition, the simulation can be done online 100%. 

Continue reading and see all the specifications of this credit. Let's go!

First of all, it should be noted that Caixa's real estate credit is only available to those who do not have restricted credit. That is, if you have a dirty name, you need to settle your debts first. In addition, Caixa has 2 types of credit: the Housing Financial System and the Mortgage Portfolio.

The SFH works from the balance of savings accounts and the Severance Indemnity Fund (FGTS). The Mortgage Portfolio works the same way. However, the difference is that with CH it is possible to finance properties with higher values.

In addition, Caixa's financing portion can be up to 30% of your family's gross salary. Together, if you need it, you can use the FGTS to reduce the amount of the financing.

Above all, Caixa's Real Estate credit limit depends a lot on each person. As well as the credit analysis of each one. However, it is possible to request a certain percentage of the value of the property in financing.

Definitely Caixa Econômica Federal real estate credit has several advantages. Check out some of them below.

If you want to take out Caixa credit, it is important to check all its characteristics beforehand. So we brought some of the most important ones for you.

As already mentioned, Caixa's mortgage loan offers two types: the Housing Financial System and the Mortgage Portfolio.

Also, it is important to know about tariffs. First, at the signing of the contract, there is the property valuation fee. This assessment is carried out by a qualified cashier employee. In addition, there is also a contract administration fee. However, it is only for properties financed by the SFH system.

In this regard, there are also some interest rates. In addition, there are two correction indices: TR and IPCA. Both are responsible for updating monthly installments. however, it is also possible to contract financing without a correction index. In other words, with a fixed rate.

Finally, it is worth mentioning that all your financing can be accompanied by the Housing app. There, you check and maintain your contracts. In addition to managing your mortgage without having to go to a Caixa Econômica Federal branch. 

In short, Caixa's real estate credit is mainly indicated for those who have a clean name and already have a certain down payment. 

In conclusion, making your housing loan from Caixa is very simple. In other words, the process can be done online. The first step is to do the simulation and discover the value of your installment. After that, the bank offers you a credit proposal. Finally, the bank only needs to evaluate the property and move on to contractual issues.

In the article recommended below, we detail the step-by-step process for you to apply for Caixa credit. Check out!