Owning a home is a dream for many families. After all, having your own home is synonymous with pride. However, this dream can be very expensive. Saving up the money for a house is not an easy task. With real estate financing, you pay a down payment and pay the rest in installments under negotiated conditions. Designed exclusively for those who want to buy a house but do not yet have the full amount. That is why Bcredi is here to give you opportunities and make your dreams come true.

Above all, with an online process and no bureaucracy. Everything to make your dream come true. In this article, we will tell you everything about Bcredi. Keep reading and check it out!

In short, Bcredi's real estate credit has good features for those looking for online financing. Therefore, it is possible to finance up to 70% of the property value, with values between R$$ 30 thousand and R$$ 4 million. In this way, the payment can be made in up to 20 years (240 months). In addition, the first installment has a grace period of 90 days.

When it comes to credit analysis, you can rest assured. Bcredi allows you to share your income with 4 other people in your household. Likewise, you can use your FGTS (Fund for Severance Pay) to pay a down payment.

First of all, the credit limit depends a lot on the bank's analysis. In other words, they can offer more or less credit. However, Bcredi finances a maximum of 70% of the property value, covering amounts between R$$ 30 thousand and R$$ 4 million.

So, is Bcredi real estate financing worth it? We can take a look at the advantages of this real estate credit to understand. Check it out below.

To understand whether Bcredi is the best solution for you, it is essential to know all the characteristics of real estate credit. Here we have brought some of these characteristics.

First of all, Bcredi is a Brazilian fintech. The company’s focus is to offer a fast and straightforward real estate financing service. In addition, it provides a secure environment for customers to run simulations and enter their data.

Above all, Bcredi finances up to R$701,000 of the value of your property. In amounts between R$30,000 and R$4 million. In this sense, when proving income to be able to increase the credit, it is possible to share income with 4 other people. Likewise, you can use the FGTS to make up the down payment and reduce the financing amount.

In addition, interest rates start at 0.56% per month. And you can choose the correction index: IGPM or IPCA. Finally, the first installment has a grace period of 90 days to start paying. This way, you don't get into debt right away. In addition, you will have up to 20 years to finish paying the bank.

However, remember: when financing with Bcredi, you need to leave a property as collateral. Well, this practice is good, because the down payment can decrease significantly. As can the interest. However, if you get into debt, you run the risk of losing the property.

Therefore, Bcredi real estate credit is recommended for those who already have at least the down payment. This is because it is not possible to obtain financing without this money. 

In conclusion, applying for a Bcredi mortgage loan is very simple. Just simulate your loan directly on the website. Then, send your documentation. One of the consultants will soon contact you to register the financing. In the recommended article below, we explain the step-by-step process for you. Check it out!