One thing is for sure: Caixa's real estate financing has merit in conquering 2/3 of the credit market for property acquisitions. After all, in addition to various facilities, there are a huge number of advantages that make life better for its customers, such as the fact that it has the lowest interest rate among all existing in the category. It is, undeniably, an irresistible product. So, the question remains: how to apply for real estate financing from Caixa? That's what we're going to find out now!

Applying for real estate financing from Caixa is much simpler than you might imagine! Being able to be done online, the first step towards this great decision-making in life is to simulate your credit.

As we mentioned in the previous text, instead of going to the bank to simulate your Caixa real estate financing, there is the possibility of doing this in the comfort of your home. On the bank's own website, for example, there is a housing simulator that brings all the information on your possible contract.

The simulation, in itself, is quite intuitive. The site requests some data from you, such as the type of property to be purchased, your family income and the city where you intend to buy. Did you fill everything in correctly? So all you have to do is choose the modality that you will apply for housing finance from Caixa and find out which is the best option for your situation. Very easy and no pranks!

With the simulation done, the next step is the credit analysis. Here, it will be necessary to present the documentation to the bank correspondents or to the manager at the branch. It is at this point that Caixa identifies the possibilities for using your FGTS and the type of credit that is most suitable for you. Yes, that's exactly what you read! Although in the simulation it is already possible to identify which modality is best for your case, who will hit the definitive hammer is the bank.

Then comes the engineering analysis, which is when Caixa goes to the property to evaluate the sale value and conditions of use. Then, the most exciting part of the process: signing the contract at the agency. For this, it is necessary to register the contract in the real estate notary for credit release.

Ready! This is the step-by-step guide on how to apply for housing finance from Caixa. With the whole procedure already completed, then begins the discharge of installments over the period established in the contract. At that time, count on the ease of direct debit or print the slips through the website or the Caixa Housing application.

Easy to apply for real estate financing from Caixa, isn't it? Oh, and don't forget that if you add too much money, you can pay off your outstanding balance. Likewise, if your financial situation tightens, you can take a break from paying your installments. Good right? Remembering that all this can be done through Internet Banking Caixa, through the website or at your branch.

Now that you know how to apply for housing finance from Caixa, here is a tip on how to get lower rates. This is because some items may favor consumers more when requesting the lowest rates. For example, those who are civil servants and receive their salary from the bank are more likely to do good business.

Another point to be evaluated is the customer's relationship with the bank. Those who are already account holders, have a good credit history and make investments through Caixa have priority when it comes to achieving the lowest rates. Nothing fairer than benefiting the company's loyal customers, isn't it?

Finally, the amount of financing and the amount of installments will also influence the rates. The higher the down payment offered by the customer and the lower the financing, the more flexible and attractive the interest will be. Longer terms of discharge, on the other hand, exclude lower interest rates, as Caixa's risk of default increases considerably.

Information on how to apply for housing finance from Caixa has been given and detailed. Now it's up to you to have that bit of courage to change your life once and for all! No more renting and take advantage of the lowest interest rates in history to acquire your own home. You and your family will thank you!