{"id":55042,"date":"2022-04-08T23:00:00","date_gmt":"2022-04-08T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=55042"},"modified":"2022-04-09T01:51:25","modified_gmt":"2022-04-09T01:51:25","slug":"comprar-casa-financiada-vale-a-pena","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/id\/comprar-casa-financiada-vale-a-pena\/","title":{"rendered":"Apakah membeli rumah yang dibiayai layak dilakukan?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Alugar ou financiar um im\u00f3vel: conhe\u00e7a as vantagens e as desvantagens de cada a\u00e7\u00e3o de acordo com o cen\u00e1rio brasileiro atual <\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, alugar ou financiar um im\u00f3vel? Fonte: Pexels. \"  id=\"55045\" src=\"https:\/\/cdn.adtechpanda.com\/b9606a12-25d9-4a5f-92db-3bff3f9d9f1c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mas, afinal, alugar ou financiar um im\u00f3vel? Fonte: Pexels. <\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No Brasil, uma das quest\u00f5es mais importantes para os brasileiros \u00e9 a aquisi\u00e7\u00e3o da casa pr\u00f3pria, talvez por uma quest\u00e3o cultural se tornou algo de extrema import\u00e2ncia. Infelizmente, com a alta da infla\u00e7\u00e3o e das taxas de juros, o n\u00famero de pessoas que optam por alugar o im\u00f3vel ao inv\u00e9s de comprar tem aumentado cada vez mais. Mas, afinal, comprar casa financiada vale a pena?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse sentido, saber o momento certo de alugar ou financiar um im\u00f3vel, assim como entender sobre as vantagens e as desvantagens de cada uma dessas modalidades e, principalmente, compreender em qual delas a sua fam\u00edlia se encaixa, \u00e9 muito importante para tomar a melhor decis\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pensando nisso, vamos te ajudar a compreender melhor sobre o assunto para que voc\u00ea possa escolher a melhor de acordo com o seu cen\u00e1rio atual. Confira!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>\u00c9 melhor alugar ou financiar um im\u00f3vel?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para responder essa pergunta precisamos, antes de mais nada, entender as vantagens e as desvantagens de cada uma dessas modalidades. A come\u00e7ar pelo aluguel. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque alugar uma casa pode ser vantajoso pela mobilidade entre poder mudar de casa quantas vezes quiser sem muitos problemas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda entre as vantagens, o aluguel tamb\u00e9m envolve menos burocracia com documentos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, se voc\u00ea n\u00e3o estiver em um momento favor\u00e1vel, tamb\u00e9m \u00e9 a melhor op\u00e7\u00e3o por se tratar de uma hip\u00f3tese com custo menor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em contrapartida, entre os pontos negativos, o dono do im\u00f3vel pode optar por encerrar o contrato a qualquer tempo e, assim, voc\u00ea precisa se retirar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, todas as mudan\u00e7as que voc\u00ea quiser fazer na estrutura da casa, tamb\u00e9m vai precisar da autoriza\u00e7\u00e3o do propriet\u00e1rio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em se tratando do financiamento do im\u00f3vel, \u00e9 preciso ressaltar que h\u00e1 mais burocracia e tamb\u00e9m documenta\u00e7\u00f5es a respeito do contrato de compra e venda. Ainda, se voc\u00ea quiser desistir do im\u00f3vel, a burocracia tamb\u00e9m \u00e9 maior.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, entre optar por alugar um im\u00f3vel ou financiar, voc\u00ea precisa repensar se aquele im\u00f3vel \u00e9 o que sua fam\u00edlia e voc\u00ea desejam passar por um per\u00edodo maior de tempo ou pela vida toda. Isso porque voc\u00ea se tornar\u00e1 o propriet\u00e1rio do im\u00f3vel.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda, ao financiar um im\u00f3vel \u00e9 preciso se lembrar que as taxas de juros costumam ser altas e, ainda, ter\u00e3o outros gastos com reformas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, para saber qual a melhor op\u00e7\u00e3o entre alugar ou financiar um im\u00f3vel, a melhor alternativa \u00e9 fazer os c\u00e1lculos de cada uma das op\u00e7\u00f5es al\u00e9m de entender o seu atual momento de vida e o que sua fam\u00edlia e voc\u00ea almeja para o futuro.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-13fnoC\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/id\/financiamento-vale-a-pena\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Pembiayaan layak?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/614f7cdc-75c9-45cc-a5d2-3e02c92e88d7\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/id\/financiamento-vale-a-pena\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Pembiayaan layak?\">\n            Pembiayaan layak? 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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/financiamento-vale-a-pena\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Teruslah Membaca                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan tetap berada di situs web yang sama              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>\u00c9 vantagem comprar im\u00f3vel financiado?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, comprar casa financiada vale a pena? Fonte: Pexels.\"  id=\"55052\" src=\"https:\/\/cdn.adtechpanda.com\/103c6ae8-c1a2-49c2-9398-c803c3dd608e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mas, afinal, comprar casa financiada vale a pena? Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Primeiramente, h\u00e1 situa\u00e7\u00f5es em que ser\u00e1 mais interessante alugar um im\u00f3vel.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por exemplo, se voc\u00ea estiver passando por uma situa\u00e7\u00e3o financeira desfavor\u00e1vel ser\u00e1 mais vantajoso e barato abrir m\u00e3o de financiar o seu im\u00f3vel.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em contrapartida, h\u00e1 casos em que financiar im\u00f3vel pode ser vantajoso, por exemplo, se voc\u00ea tiver condi\u00e7\u00f5es de dar uma entrada maior para financiar o im\u00f3vel, as taxas de juros podem reduzir bastante sendo bem mais interessante.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, ainda, como mencionamos anteriormente, ao alugar um im\u00f3vel, qualquer reforma feita no local precisa ser informada para o propriet\u00e1rio e todas as melhorias feitas podem n\u00e3o ser ressarcidas ficando para o propriet\u00e1rio do im\u00f3vel.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, se voc\u00ea for o propriet\u00e1rio e fizer as melhorias, a longo prazo, ter\u00e1 retorno financeiro do im\u00f3vel.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda nesse sentido, o valor do im\u00f3vel tamb\u00e9m muda com o passar dos anos e esperar para financiar depois, pode fazer com que o valor da casa ou apartamento j\u00e1 tenha mudado e voc\u00ea perca uma boa oportunidade.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, o importante \u00e9 voc\u00ea avaliar com calma se vale a pena alugar ou financiar o im\u00f3vel com base nos valores e nos juros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, as institui\u00e7\u00f5es financeiras avaliam o perfil de cr\u00e9dito do consumidor e o score para definir os juros, ou seja, quanto melhor for sua pontua\u00e7\u00e3o, suas chances de aprova\u00e7\u00e3o de cr\u00e9dito tamb\u00e9m ser\u00e3o maiores e as condi\u00e7\u00f5es de pagamento tamb\u00e9m.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Quando compensa financiar um im\u00f3vel?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00c9 ineg\u00e1vel que compensa financiar um im\u00f3vel quando as condi\u00e7\u00f5es estiverem favor\u00e1veis no pa\u00eds e tamb\u00e9m na sua vida financeira.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em contrapartida, algumas quest\u00f5es podem te ajudar a tomar a melhor decis\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Neste ano de 2022, a previs\u00e3o \u00e9 que a taxa de juros chegue a dois d\u00edgitos e a alta da Selic impacta diretamente nos juros que s\u00e3o cobrados para financiar im\u00f3veis, o que significa um momento desfavor\u00e1vel para os brasileiros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Desde 2016, a taxa Selic manteve o seu menor patamar da hist\u00f3ria, favorecendo o cen\u00e1rio dos financiamentos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, esses financiamentos foram favor\u00e1veis principalmente para parte da popula\u00e7\u00e3o de m\u00e9dia a alta renda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em contrapartida, no ano de 2020, a procura por im\u00f3veis financiados aumentou bastante devido ao isolamento das pessoas que passaram a procurar por im\u00f3veis residenciais em locais com mais conforto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso tamb\u00e9m se explica, pela alta demanda e a consequente alta da taxa de juros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, no final do ano passado, a taxa voltou a subir e tende a subir cada vez mais. Ent\u00e3o, se voc\u00ea precisa e deseja financiar um im\u00f3vel, recomendamos que fa\u00e7a isso antes que a taxa Selic aumente ainda mais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, se voc\u00ea ainda pode esperar, o ideal \u00e9 investir em recursos e optar por financiar um im\u00f3vel em um momento mais adequado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, procure saber junto \u00e0s corretoras sobre os juros dos im\u00f3veis para financiar e garantir a melhor op\u00e7\u00e3o para voc\u00ea.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Comprar casa: programa Casa Verde e Amarela<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, como funciona a Casa Verde e Amarela? Fonte: Pexels.\"  id=\"55054\" src=\"https:\/\/cdn.adtechpanda.com\/66ec922a-0d62-4ffd-b061-8354db57c39c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mas, afinal, como funciona a Casa Verde e Amarela? Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Agora que voc\u00ea j\u00e1 entendeu se comprar casa financiada vale a pena, vamos te explicar sobre o que \u00e9 o programa Casa Verde e Amarela.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O programa se trata de um benef\u00edcio do Governo Federal que tem o objetivo de facilitar o financiamento do im\u00f3vel pr\u00f3prio para pessoas atrav\u00e9s de subs\u00eddios que s\u00e3o utilizados para a redu\u00e7\u00e3o das parcelas de compra.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, visa ampliar as moradias e atender as necessidades dos brasileiros promovendo o desenvolvimento das habita\u00e7\u00f5es e estimulando a moderniza\u00e7\u00e3o nas cidades.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda, \u00e9 um programa com taxas de juros m\u00ednimos, na faixa de 4,25% e que pode sofrer mudan\u00e7as a depender da fam\u00edlia e da localidade do im\u00f3vel.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, \u00e9 ideal para os brasileiros que desejam adquirir a casa pr\u00f3pria por contar com taxas baixas e valores atrativos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, acesse o conte\u00fado recomendado abaixo para conhecer mais sobre o programa.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-78TAV\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/id\/conheca-o-casa-verde-casa-amarela\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Conhe\u00e7a o programa Casa Verde Casa Amarela\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/571ec7a0-5d92-4cb5-91c4-dc37ae774db7\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/id\/conheca-o-casa-verde-casa-amarela\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Conhe\u00e7a o programa Casa Verde Casa Amarela\">\n            Conhe\u00e7a o programa Casa Verde Casa Amarela        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Conhe\u00e7a o programa Casa Verde Casa Amarela e entenda quais as diferen\u00e7as dele com o programa Minha Casa Minha Vida. Confira!\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/id\/conheca-o-casa-verde-casa-amarela\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruslah Membaca            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Essa \u00e9 uma d\u00favida para os brasileiros devido as taxas de juros, mas hoje vamos te ajudar a decidir entre alugar ou financiar um im\u00f3vel e, ainda, te apresentar o programa Casa Verde e Amarela. Confira!<\/p>","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2400,29],"tags":[3356,3355,3354,3353,3352],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comprar casa financiada vale a pena? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Comprar casa financiada vale a pena? Essa \u00e9 uma d\u00favida para os brasileiros devido as taxas de juros, mas hoje vamos te ajudar a decidir. 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