{"id":55306,"date":"2022-04-30T23:00:00","date_gmt":"2022-04-30T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=55306"},"modified":"2022-04-27T16:05:59","modified_gmt":"2022-04-27T16:05:59","slug":"comprar-casa-financiada-pela-caixa-vale-a-pena","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/comprar-casa-financiada-pela-caixa-vale-a-pena\/","title":{"rendered":"Merit\u0103 cump\u0103rarea unei case finan\u021bate de Caixa?"},"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>Afla\u021bi totul despre finan\u021barea de la Caixa Econ\u00f4mica Federal <\/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 pela Caixa vale a pena? Fonte: Exame.\"  id=\"55308\" src=\"https:\/\/cdn.adtechpanda.com\/bf951cc9-5d4f-4dc6-b9be-d23ab6d3bde1\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Dar, p\u00e2n\u0103 la urm\u0103, merit\u0103 cump\u0103rarea unei case finan\u021bate de Caixa? Sursa: Examen.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Achizi\u021bionarea propriei propriet\u0103\u021bi este visul miilor de brazilieni care caut\u0103 condi\u021bii de plat\u0103 diferen\u021biate cu dob\u00e2nzi mai atractive, pe l\u00e2ng\u0103 alte caracteristici pentru achizi\u021bionarea unei propriet\u0103\u021bi. Deci, s\u0103 vorbim despre locuin\u021bele finan\u021bate de Caixa \u0219i dac\u0103 merit\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest text, vei \u00een\u021belege avantajele finan\u021b\u0103rii unei propriet\u0103\u021bi prin Caixa, sume \u00een plus fa\u021b\u0103 de documentele necesare \u0219i vei \u00een\u021belege dac\u0103 este o alternativ\u0103 bun\u0103 pentru tine.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, citi\u021bi bine \u0219i profita\u021bi de ocazie pentru a afla mai multe despre aceast\u0103 finan\u021bare. Verific\u0103!<\/p>\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Venit minim<\/td><td>neinformat<\/td><\/tr><tr><td>Dob\u00e2nd\u0103<\/td><td>Variaz\u0103 \u00een func\u021bie de fiecare client<\/td><\/tr><tr><td>Termen de plat\u0103<\/td><td>P\u00e2n\u0103 la 420 de luni<\/td><\/tr><tr><td>perioada de lansare<\/td><td>De la 20 de zile la 2 luni<\/td><\/tr><tr><td>suma creditului<\/td><td>Neinformat<\/td><\/tr><tr><td>Accepta\u021bi negative?<\/td><td>Nu<\/td><\/tr><tr><td>Beneficii<\/td><td>Pute\u021bi utiliza FGTS<\/td><\/tr><\/tbody><\/table><figcaption>Dar, p\u00e2n\u0103 la urm\u0103, care sunt caracteristicile acestei finan\u021b\u0103ri?<br><\/figcaption><\/figure>\n<\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-2bsCv9\"><section class=\"credit-card 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  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class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              Securitate            <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              dob\u00e2nd\u0103 sc\u0103zut\u0103            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          Solicita\u021bi creditul imobiliar Caixa cu p\u00e2n\u0103 la 35 de ani de pl\u0103tit.        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" 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class=\"px-4 text-center text-xs h-1\/2\">\n                Solicita\u021bi creditul imobiliar Caixa cu o perioad\u0103 de p\u00e2n\u0103 la 35 de ani...              <\/p>\n              <a href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/financiamento-de-imoveis\/Paginas\/default.aspx\" rel=\"sponsored\" 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                    Aplica pentru finantare...                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi fi redirec\u021bionat c\u0103tre un alt site web              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/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>Care sunt avantajele finan\u021b\u0103rii unei propriet\u0103\u021bi prin Caixa?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Printre avantajele finan\u021b\u0103rii unei propriet\u0103\u021bi prin Caixa se num\u0103r\u0103 \u0219i faptul c\u0103 v\u0103 pute\u021bi folosi FGTS ca avans, astfel \u00eenc\u00e2t s\u0103 v\u0103 pute\u021bi amortiza \u0219i soldul debitorului prin FGTS.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, Banca Central\u0103 ofer\u0103 \u0219i p\u00e2n\u0103 la 80% pentru plata sumei ratei sau decontarea soldului restant.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe de alt\u0103 parte, trebuie s\u0103 ave\u021bi cel pu\u021bin 3 ani de munc\u0103 formal\u0103, pe l\u00e2ng\u0103 faptul c\u0103 proprietatea achizi\u021bionat\u0103 este situat\u0103 \u00een municipiul sau municipiul \u00eenvecinat \u00een care locui\u021bi sau lucra\u021bi.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i \u00een plus, cump\u0103rarea unei propriet\u0103\u021bi finan\u021bate de Caixa are, de asemenea, mai pu\u021bin\u0103 birocra\u021bie dec\u00e2t alte institu\u021bii financiare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, ratele incap in buzunar, pentru ca functioneaza in functie de venitul tau minim.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, Caixa ofer\u0103 \u0219i o linie de credit pentru locuin\u021be care poate fi pl\u0103tit\u0103 \u00een p\u00e2n\u0103 la 35 de ani \u00een func\u021bie de proprietate \u0219i de condi\u021biile de plat\u0103, astfel \u00eenc\u00e2t, \u00een func\u021bie de tipul de finan\u021bare, pute\u021bi opta pentru perioada de gra\u021bie pentru amortizarea soldului restant \u0219i \u00een aceast\u0103 perioad\u0103 pl\u0103te\u0219te doar prime de asigurare MIP \u0219i DFI.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Caixa ofer\u0103 \u0219i programe care promoveaz\u0103 dreptul la locuin\u021b\u0103, dintre care cel mai cunoscut este Programul Casa Verde e Amarela, care a venit s\u0103 \u00eenlocuiasc\u0103 Programul Minha Casa Minha Vida. A\u0219adar, f\u0103 simularea valorilor \u0219i f\u0103-\u021bi finan\u021barea acum!<\/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>Ce sum\u0103 poate finan\u021ba Caixa?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru ca casa s\u0103 fie finan\u021bat\u0103 de Caixa, valoarea ratei de finan\u021bare nu poate dep\u0103\u0219i 30% din venitul lunar al familiei, suma maxim\u0103 pentru finan\u021barea locuin\u021bei fiind de R$1,5 milioane.&nbsp;<\/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>Care este suma minim\u0103 pentru finan\u021barea unei propriet\u0103\u021bi prin Caixa?<\/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 pela Caixa vale a pena? Fonte: Pexels.\"  id=\"55312\" src=\"https:\/\/cdn.adtechpanda.com\/abfa3f2e-8a05-445d-a283-5b7716e2098a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Dar, p\u00e2n\u0103 la urm\u0103, merit\u0103 cump\u0103rarea unei case finan\u021bate de Caixa? Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Apoi, Caixa Econ\u00f4mica Federal cere o \u00eenregistrare de cel pu\u021bin 10% din valoarea propriet\u0103\u021bii. Apropo, \u00een cazurile \u00een care urmeaz\u0103 s\u0103 utiliza\u021bi FGTS, trebuie s\u0103 da\u021bi FGTS ca avans pentru finan\u021bare pentru a reduce termenul sau cuantumul taxei, s\u0103 pl\u0103ti\u021bi p\u00e2n\u0103 la 80% din valoarea ratei \u0219i s\u0103 pl\u0103ti\u021bi soldul restant.<\/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>Tarife \u0219i termen de plat\u0103 pentru locuin\u021be finan\u021bate de Caixa<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, termenul limit\u0103 pentru finan\u021barea casei de c\u0103tre Caixa va depinde de fiecare caz \u0219i de analiza creditului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, timpul poate dura de la 20 de zile la 2 luni \u0219i, dup\u0103 \u00eencheierea contractului, proprietarul imobilului poate dura \u00eentre 60 \u0219i 90 de zile pentru a primi valoarea v\u00e2nz\u0103rii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In plus, taxa de administrare a contractului este destinata intretinerii si administrarii contractului si se percepe lunar in rate.Este obligatoriu doar pentru operatiunile cu proprietati incluse in sistemul de finantare.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, perioada maxim\u0103 de finan\u021bare variaz\u0103 \u00een func\u021bie de indicele sau rata fix\u0103 aleas\u0103, variind de la 120 la 420 de luni.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest fel, dob\u00e2nzile contractului vor fi definite \u0219i \u00een func\u021bie de termenul \u0219i profilul de rela\u021bie care asigur\u0103 diferite niveluri de subven\u021bie la dob\u00e2nzi. Astfel, putem observa c\u0103 majoritatea serviciilor oferite de Caixa vor depinde de analiza de credit a clientului.<\/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>Documenta\u021bia necesar\u0103<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru ca casa ta s\u0103 fie finan\u021bat\u0103 de Caixa, vei avea nevoie de:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>Act oficial de identificare;<\/li><li>Certificat de na\u0219tere \u0219i stare civil\u0103;<\/li><li>Dovada adresei curente;<\/li><li>Dovada de venit actualizat\u0103, eliberat\u0103 cu cel mult 2 luni \u00een urm\u0103;<\/li><li>Ultima declara\u021bie privind impozitul pe venit \u0219i chitan\u021ba de livrare la Fisc dac\u0103 utiliza\u021bi FGTS \u0219i Cardul de Munc\u0103 \u0219i Declara\u021bia FGTS.&nbsp;<\/li><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest fel, documentele necesare sunt \u0219i simple documente care s\u0103 dovedeasc\u0103 veridicitatea preten\u021biilor dumneavoastr\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, cu actele va trebui sa faci dovada ca rata de finantare nu depaseste 30% din suma venitului tau.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Asta pentru c\u0103, a\u0219a demonstrezi lui Caixa c\u0103 \u00ee\u021bi vei putea onora angajamentele.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i \u00een plus, Caixa va efectua o analiz\u0103 de credit pentru a-\u021bi aproba sau respinge cererea de finan\u021bare, a\u0219a c\u0103 este necesar s\u0103 nu ai m\u0103car nicio restric\u021bie asupra CPF-ului t\u0103u pentru ca cererea s\u0103 fie aprobat\u0103. \u00cen plus, v\u0103 recomand\u0103m s\u0103 v\u0103 \u0219terge\u021bi numele \u00eenainte de a \u00eencerca s\u0103 aplica\u021bi.<\/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>Deci, merit\u0103 s\u0103 finan\u021bezi o cas\u0103 prin Caixa?<\/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 pela Caixa vale a pena? Fonte: Pexels.\"  id=\"55311\" src=\"https:\/\/cdn.adtechpanda.com\/e23998ce-2bf9-4216-9644-381e9b7c647b\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Dar, p\u00e2n\u0103 la urm\u0103, merit\u0103 cump\u0103rarea unei case finan\u021bate de Caixa? Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Da, merit\u0103 s\u0103 ave\u021bi casa finan\u021bat\u0103 de Caixa Econ\u00f4mica Federal. Dar \u00eenainte de a alege s\u0103 finan\u021bezi proprietatea prin Caixa, analizeaz\u0103 toate avantajele \u0219i dezavantajele \u0219i, de asemenea, contacteaz\u0103-\u021bi brokerul pentru a afla dac\u0103 aceasta este cea mai bun\u0103 alternativ\u0103 pentru tine.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acum c\u0103 \u0219ti\u021bi totul despre finan\u021barea Caixa, face\u021bi clic pe con\u021binutul recomandat de mai jos pentru a aplica pentru credit imobiliar.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1IC3LQ\">\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\/ro\/como-solicitar-credito-imobiliario-caixa\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru un \u00eemprumut pentru locuin\u021b\u0103\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/bf951cc9-5d4f-4dc6-b9be-d23ab6d3bde1\/\" 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\/ro\/como-solicitar-credito-imobiliario-caixa\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru un \u00eemprumut pentru locuin\u021b\u0103\">\n            Cum s\u0103 aplici pentru un \u00eemprumut pentru locuin\u021b\u0103        <\/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            Solicita\u021bi creditul pentru locuin\u021b\u0103 de la Caixa. Cu el, ai la dispozi\u021bie p\u00e2n\u0103 la 35 de ani pentru a pl\u0103ti \u0219i po\u021bi folosi \u0219i soldul FGTS. Consulta\u021bi procesul pas cu pas aici.\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\/ro\/como-solicitar-credito-imobiliario-caixa\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <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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Verific\u0103!<\/p>","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2400],"tags":[1912,3374,3376,1281,2415],"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 pela Caixa vale a pena? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Saiba se comprar casa financiada pela Caixa vale a pena e entende como voc\u00ea pode usar seu FGTS para amortizar o saldo devedor. 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