Before talking about the best real estate financing rate, let's mention that everyone looking to escape rent and realize the dream of owning their own home knows how difficult it is to find good financing. 

The rise in interest rates is a problem that increasingly haunts Brazilians, forcing these groups to do a lot of research and delaying the property acquisition process.

In this article, we work to bring together all the financial institutions (banks) that offer the best financing options, taking into account the amount of interest and the payment term.

Therefore, we came to the conclusion that there are 5 banks with more attractive real estate financing on the market and the conditions improve even more if you are a customer.

Understand once and for all which are the best real estate financing opportunities at the best rate in the country!

Be sure to follow along and have a great read!

Just below we have 5 of the best opportunities we found on the market. Even so, you will find very positive points and others that are not so attractive. 

Also, remember that it is necessary to analyze both sides of the thing: billing fees and payment term, as it is useless to have low fees with a short term to pay. 

One more very important detail is that some of the conditions can be better when you have a relationship with the bank itself, because it already knows your behavior. 

Furthermore, check now which is the real estate financing with the best interest rate on the market in 2022 and remember to always be aware of your financial situation before going headlong into financing.

Instead of running to the most famous banks known in the traditional market, Inter is a good option for those who want to acquire their first property.

Even though it is a relatively new financial institution in relation to the others, Inter already presents itself in the real estate market as one of the best real estate rates.

Analyzing the conditions mentioned above as a criterion for selecting the best rates, Banco Inter has interest rates starting at 3.9% per year + savings. 

Whoever finances their new property through this institution will pay this interest in a maximum of 30 installments, depending on the payment term.

Speaking of which, the financing term is 360 months from the approval of the amounts to pay for the house. Even so, you need to consult these conditions before hiring.

Be careful about one factor in particular: the entrance. This is usually a requirement for financing and Inter is no different. 

What creates a disadvantage for Banco Inter is the fact that the institution charges 30% of the value of the property in an advance payment (down payment).

This may be a little lacking as the average of other banks is 20%, however there is no way to change these policies unless you are a very good customer of the bank.

Many should already know about Santander and its opportunities, even more so now that the institution is investing heavily in the digital market and more accessible cards like the SX.

Well, the truth is that Santander is not on this list because it has a good interest rate, as it does not. 

Before talking about interest, we need to make it clear that these are values that come into practice for those who are already customers and account holders of the bank. 

If you are not already part of the ecosystem, then your financing will likely have increased fees.

It has a dual rate system, which charges 9,49% per year. That way he stays behind some banks. 

In addition to interest, the bank also charges the reference rate, which will add an extra percentage to the above amount. 

Moving on from this bad part, Santander joined the list because it is, without a doubt, one of the banks that offers the longest financing repayment period. 

There are 420 very flexible installments to pay for your new property. Of course, their value will depend on you.

Caixa Econômica Federal (CEF) is on our list as one of the best real estate financing options on the market. 

That's because at this institution, customers have a combo of the best interest rates on the market, with excellent payment terms. 

The combination of these factors explains why many people turn to CEF when it comes to escaping rent and looking for their own home.

In addition, to consult a possible contract, it is not necessary to go to a physical agency, even though they are very accessible.

In this context, you can simulate financing on the Caixa website. From then on, it is the moment that you need to be aware, as it is very important to check the best conditions. 

Currently Caixa operates a rate with the two components found in virtually all financing: interest rates and reference. 

What we can say is that the best conditions are exclusive to customers, that is, if you want to start financing with Caixa, it is better to establish a relationship with them.

Leaving the option of public banks and moving towards financial institutions in the private sector, we have Banco Itaú.

As it already has a lot of authority and structure in the market, Itaú also has excellent financing conditions, not unlike Caixa. 

Considering the traditional charging model, which is based on the interest rate plus the reference rate, Itaú has a relatively low rate of 9.10% per year.

When you finance a property under Banco Itaú conditions, you can choose optimum terms of up to 360 months. 

Taking into account the value of the property, long terms make you pay small monthly installments, but you need to be aware of interest.

To facilitate accessibility for all customers, it is possible to simulate and hire both at branches and on the Itaú website or application. Which generates an extra point in relation to the CEF.

Bradesco certainly has great opportunities for approving real estate financing, both for entrepreneurs and micro-entrepreneurs, as well as for workers.

The ease of credit approval comes into play due to the more personalized, individual and humanized service, even with variations from agency to agency.

In contrast to the ease of approval, the humanization of analyzes often means that the client takes a long time to be approved for financing. 

From the moment the interested party starts dealing with the bank, Bradesco takes an average of 40 days to approve the amounts.

Even though it is not so different from other banks (Caixa has a 30-day term), a period of one and a half months can be too long to acquire a property, especially if there are any special conditions.

Currently, Bradesco operates at an interest rate of 2.99% per year + interest on savings, being one of the most expensive available in the financing market.

In the case of Bradesco, in particular, those interested in financing need to be very attentive to their own financial conditions, as sometimes it may not be advantageous.