{"id":13043,"date":"2026-06-21T11:00:00","date_gmt":"2026-06-21T14:00:00","guid":{"rendered":"https:\/\/www.agenteimovel.com.br\/noticias\/?p=13043"},"modified":"2026-06-22T14:11:35","modified_gmt":"2026-06-22T17:11:35","slug":"qual-renda-voce-precisa-para-financiar-um-imovel-de-300-mil","status":"publish","type":"post","link":"https:\/\/larya.com.br\/blog\/qual-renda-voce-precisa-para-financiar-um-imovel-de-300-mil\/","title":{"rendered":"Se eu Financiar 300 Mil Quanto Vou Pagar? Simula\u00e7\u00e3o de Parcela 2026"},"content":{"rendered":"<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"VideoObject\",\n  \"name\": \"Quanto fica a parcela de 300 mil financiado? Simula\u00e7\u00e3o Real 2026\",\n  \"description\": \"Simula\u00e7\u00e3o completa ao vivo do financiamento de R$300.000 em 2026. Caixa Econ\u00f4mica: R$2.313\/m\u00eas (Price) ou R$2.900\/m\u00eas (SAC). Renda m\u00ednima: R$7.710. Comparamos Caixa, Ita\u00fa, Santander, Bradesco e Banco do Brasil com taxas reais de mar\u00e7o\/2026.\",\n  \"thumbnailUrl\": \"https:\/\/img.youtube.com\/vi\/-8EJC3g5YQI\/maxresdefault.jpg\",\n  \"uploadDate\": \"2026-03-23T00:00:00-03:00\",\n  \"duration\": \"PT3M00S\",\n  \"contentUrl\": \"https:\/\/youtube.com\/shorts\/-8EJC3g5YQI\",\n  \"embedUrl\": \"https:\/\/www.youtube.com\/embed\/-8EJC3g5YQI\",\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"LARYA\",\n    \"logo\": { \"@type\": \"ImageObject\", \"url\": \"https:\/\/larya.com.br\/logo.png\" }\n  }\n}\n<\/script><\/p>\n<div style=\"font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; color: #333; line-height: 1.8; font-size: 17px; width: 100%;\">\n<div style=\"background-color: #f4f6f8; padding: 25px; border-left: 5px solid #fe1637; margin-bottom: 40px;\">\n<p style=\"margin: 0; font-weight: 500; font-size: 1.15rem;\"><strong>Qual a renda e a parcela para financiar 300 mil?<\/strong><br \/>\nPara financiar um im\u00f3vel de <strong>R$ 300.000,00<\/strong> em 2026, com uma entrada padr\u00e3o de 20% (R$ 60 mil), a renda familiar bruta exigida gira em torno de <strong>R$ 7.700,00 a R$ 8.500,00<\/strong>. A primeira parcela no sistema SAC (Caixa Econ\u00f4mica) come\u00e7a em aproximadamente <strong>R$ 2.900,00<\/strong>, caindo ao longo do tempo. Na Tabela Price, a parcela inicial \u00e9 menor, cerca de <strong>R$ 2.300,00<\/strong>.<\/p>\n<\/div>\n<p>O im\u00f3vel de R$ 300 mil \u00e9 o \u201cponto de virada\u201d para milh\u00f5es de brasileiros. Ele representa a sa\u00edda definitiva do aluguel para um apartamento de 2 quartos ou uma casa em bairro em desenvolvimento. No entanto, em um cen\u00e1rio econ\u00f4mico de 2026 com a Selic a 14.25%, cada detalhe do contrato importa.<\/p>\n<p>Muitos compradores focam apenas na parcela e esquecem do <strong>Custo Efetivo Total (CET)<\/strong> e dos custos de cart\u00f3rio. Neste dossi\u00ea t\u00e9cnico da LARYA, vamos abrir a caixa preta dos bancos: quanto voc\u00ea realmente paga, qual banco aprova mais f\u00e1cil e como usar o sistema a seu favor para pagar menos juros.<\/p>\n<div style=\"margin-bottom: 40px;\">\n<p style=\"font-size: 14px; color: #777; text-align: center; margin-top: 10px;\">Planejamento: A entrada de R$ 60 mil \u00e9 o primeiro passo.<\/p>\n<\/div>\n<div style=\"background-color: #e3f2fd; border-radius: 12px; padding: 30px; margin: 40px 0; border: 1px solid #bbdefb;\">\n<h3 style=\"color: #0d47a1; margin-top: 0; display: flex; align-items: center;\"><span style=\"font-size: 1.5rem; margin-right: 10px;\">&#x1f4e2;<\/span> Plant\u00e3o de Mercado LARYA (Julho\/2026)<\/h3>\n<p>O cen\u00e1rio de cr\u00e9dito mudou. Se voc\u00ea est\u00e1 planejando comprar agora, precisa saber:<\/p>\n<ul style=\"margin-bottom: 0;\">\n<li style=\"margin-bottom: 10px;\"><strong>Novo Teto SFH:<\/strong> O governo elevou o limite do Sistema Financeiro de Habita\u00e7\u00e3o para <strong>R$ 2,25 milh\u00f5es<\/strong>. Embora seu im\u00f3vel de R$ 300k j\u00e1 estivesse coberto, isso aumentou a liquidez dos bancos, facilitando a aprova\u00e7\u00e3o de cr\u00e9dito nas faixas menores.<\/li>\n<li style=\"margin-bottom: 10px;\"><strong>Taxas Competitivas:<\/strong> A Caixa segura a taxa de <strong>11,19% a.a.<\/strong>, mas o Ita\u00fa entrou na briga com <strong>11,60% a.a.<\/strong> e aprova\u00e7\u00e3o digital em horas.<\/li>\n<li><strong>MCMV Turbinado:<\/strong> Im\u00f3veis de at\u00e9 R$ 350 mil podem se enquadrar no Minha Casa Minha Vida (dependendo da renda e regi\u00e3o), garantindo juros subsidiados abaixo de 8%.<\/li>\n<\/ul>\n<\/div>\n<div style=\"background-color: #fff; border: 1px solid #e0e0e0; border-radius: 16px; padding: 30px; margin: 40px 0; box-shadow: 0 5px 20px rgba(0,0,0,0.05);\">\n<h3 style=\"margin: 0 0 20px 0; color: #041f30; font-size: 1.4rem;\">&#x1f4ca; Raio-X R$ 300k (Julho\/2026)<\/h3>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px;\">\n<div style=\"border-right: 1px solid #eee;\"><span style=\"display: block; font-size: 0.9rem; color: #666; font-weight: bold; text-transform: uppercase;\">Valor Im\u00f3vel<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #041f30;\">R$ 300.000<\/span><\/div>\n<div style=\"border-right: 1px solid #eee;\"><span style=\"display: block; font-size: 0.9rem; color: #666; font-weight: bold; text-transform: uppercase;\">Entrada (20%)<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #fe1637;\">R$ 60.000<\/span><\/div>\n<div style=\"border-right: 1px solid #eee;\"><span style=\"display: block; font-size: 0.9rem; color: #666; font-weight: bold; text-transform: uppercase;\">Renda M\u00ednima<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #28a745;\">R$ 7.720+<\/span><\/div>\n<div><span style=\"display: block; font-size: 0.9rem; color: #666; font-weight: bold; text-transform: uppercase;\">Modalidade<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #3a2fa3;\">SFH \/ MCMV<\/span><\/div>\n<\/div>\n<p style=\"font-size: 0.8rem; color: #888; margin-top: 15px;\">*Valores estimados para Tabela Price, prazo 360 meses.<\/p>\n<\/div>\n<div style=\"width: 100%; text-align: center; margin: 50px 0;\">\n<p><a style=\"background-color: #fe1637; color: #ffffff; padding: 20px 50px; text-decoration: none; border-radius: 50px; font-weight: 800; font-family: 'Montserrat', sans-serif; font-size: 1.2rem; box-shadow: 0 4px 15px rgba(254, 22, 55, 0.4); display: inline-block; transition: all 0.3s;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">VERIFICAR SE APROVA NO MEU CPF \u2192<br \/>\n<\/a><\/p>\n<p style=\"margin-top: 15px; font-size: 0.9rem; color: #666;\">Simula\u00e7\u00e3o gratuita e sem compromisso.<\/p>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 60px;\">Ranking Oficial: Quem tem a menor parcela para R$ 300k?<\/h2>\n<p>Simulamos o financiamento de <strong>R$ 240.000,00<\/strong> (80% do valor) em 360 meses usando a <strong>Tabela PRICE<\/strong> (que gera a menor parcela inicial e facilita a aprova\u00e7\u00e3o de renda). Veja a diferen\u00e7a:<\/p>\n<div style=\"overflow-x: auto; margin: 30px 0; border-radius: 10px; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: collapse; min-width: 700px;\">\n<thead>\n<tr style=\"background-color: #041f30; color: white;\">\n<th style=\"padding: 15px; text-align: left;\">Ranking<\/th>\n<th style=\"padding: 15px; text-align: left;\">Banco<\/th>\n<th style=\"padding: 15px; text-align: center;\">Taxa (a.a.)<\/th>\n<th style=\"padding: 15px; text-align: center;\">1\u00aa Parcela (Price)<\/th>\n<th style=\"padding: 15px; text-align: center;\">Renda Exigida (30%)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #e8f5e9; border-left: 5px solid #28a745;\">\n<td style=\"padding: 15px; font-weight: bold; color: #28a745;\">#1 &#x1f3c6;<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">Caixa Econ\u00f4mica<\/td>\n<td style=\"padding: 15px; text-align: center; font-weight: bold;\">11,19%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 2.313,15<\/td>\n<td style=\"padding: 15px; text-align: center; color: #041f30; font-weight: 800;\">R$ 7.710,00<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 15px; font-weight: bold;\">#2<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">BRB<\/td>\n<td style=\"padding: 15px; text-align: center;\">11,36%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 2.355,87<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 7.852,00<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 15px; font-weight: bold;\">#3<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">Ita\u00fa<\/td>\n<td style=\"padding: 15px; text-align: center;\">11,60%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 2.441,86<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 8.139,00<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #f9f9f9;\">\n<td style=\"padding: 15px; font-weight: bold;\">#4<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">Santander<\/td>\n<td style=\"padding: 15px; text-align: center;\">11,69%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 2.464,74<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 8.215,00<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 15px; font-weight: bold;\">#5<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">Bradesco<\/td>\n<td style=\"padding: 15px; text-align: center;\">11,70%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 2.467,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 8.223,00<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #f9f9f9;\">\n<td style=\"padding: 15px; font-weight: bold;\">#6<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">Banco do Brasil<\/td>\n<td style=\"padding: 15px; text-align: center;\">12,00%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 2.518,46<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 8.394,00<\/td>\n<\/tr>\n<tr style=\"background-color: #ffebee; border-left: 5px solid #c62828;\">\n<td style=\"padding: 15px; font-weight: bold; color: #c62828;\">#7<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">Banco Inter<\/td>\n<td style=\"padding: 15px; text-align: center; font-weight: bold;\">13,76%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 2.910,31<\/td>\n<td style=\"padding: 15px; text-align: center; color: #c62828; font-weight: 800;\">R$ 9.701,00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"font-size: 0.85rem; color: #666;\"><em>*Valores estimados incluindo amortiza\u00e7\u00e3o + juros. O valor final pode variar com a idade do proponente (seguro MIP).<\/em><\/p>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">A Taxa Selic e o seu Bolso<\/h2>\n<p>Com a taxa Selic em <strong>14.25% ao ano<\/strong>, o cr\u00e9dito est\u00e1 caro. Isso impacta diretamente o financiamento de R$ 300 mil. A boa not\u00edcia \u00e9 que a Caixa Econ\u00f4mica, por ser um banco p\u00fablico, consegue \u201csegurar\u201d as taxas em patamares menores que a Selic (11,19% vs 14.25%), criando uma janela de oportunidade.<\/p>\n<p>Entender como a macroeconomia afeta sua parcela \u00e9 crucial. Para uma an\u00e1lise profunda sobre o momento atual e previs\u00f5es de queda, leia nosso guia exclusivo sobre a <a style=\"color: #fe1637; font-weight: bold; text-decoration: underline;\" href=\"https:\/\/larya.com.br\/taxa-selic\">Taxa Selic no Financiamento Imobili\u00e1rio<\/a>.<\/p>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">Como aprovar se eu ganho menos de R$ 7.700?<\/h2>\n<p>A tabela mostra que a renda m\u00ednima \u00e9 de cerca de R$ 7.700. Mas se voc\u00ea ganha R$ 4.000, n\u00e3o desista. A ferramenta mais poderosa para aprovar cr\u00e9dito nesta faixa \u00e9 a <strong>Composi\u00e7\u00e3o de Renda<\/strong>.<\/p>\n<div style=\"background-color: #f9f9f9; padding: 20px; border-radius: 8px; margin: 20px 0;\">\n<h4 style=\"margin-top: 0; color: #041f30;\">Exemplo Pr\u00e1tico de Composi\u00e7\u00e3o:<\/h4>\n<ul>\n<li><strong>Voc\u00ea (CLT):<\/strong> R$ 4.000,00<\/li>\n<li><strong>C\u00f4njuge\/Noivo(a):<\/strong> R$ 3.000,00<\/li>\n<li><strong>Pai\/M\u00e3e (Aposentado):<\/strong> R$ 1.500,00<\/li>\n<li><strong>Renda Total:<\/strong> R$ 8.500,00 &#x2705; (Aprovado com folga)<\/li>\n<\/ul>\n<\/div>\n<p>**A Caixa aceita a soma de renda de qualquer pessoa (pais, filhos, amigos, namorados). O im\u00f3vel ficar\u00e1 no nome de todos os participantes.<\/p>\n<div style=\"max-width: 360px; margin: 24px auto;\"><iframe style=\"width: 100%; aspect-ratio: 9\/16; border: 0; border-radius: 12px; display: block;\" title=\"Quanto fica a parcela de 300 mil financiado? Simula\u00e7\u00e3o Real 2026\" src=\"https:\/\/www.youtube.com\/embed\/-8EJC3g5YQI?rel=0&amp;modestbranding=1\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<div style=\"width: 100%; text-align: center; margin: 40px 0;\"><a style=\"display: inline-block; background-color: #041f30; color: white; padding: 16px 40px; border-radius: 50px; text-decoration: none; font-weight: 800; font-size: 1rem; box-shadow: 0 4px 10px rgba(4, 31, 48, 0.3);\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">SIMULAR COM COMPOSI\u00c7\u00c3O DE RENDA \u2192<br \/>\n<\/a><\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">A Batalha das Tabelas: Qual escolher para 300k?<\/h2>\n<p>Voc\u00ea vai se deparar com essa escolha na hora de assinar. Para um financiamento de R$ 240 mil (saldo devedor):<\/p>\n<ul>\n<li><strong>Tabela SAC:<\/strong> Parcela come\u00e7a em ~R$ 2.900 e termina em ~R$ 600. Voc\u00ea paga menos juros no total, mas exige uma renda maior (aprox. R$ 9.600) para aprovar.<\/li>\n<li><strong>Tabela Price:<\/strong> Parcela fixa de ~R$ 2.300. Exige menos renda (R$ 7.700), facilitando a aprova\u00e7\u00e3o, mas o saldo devedor cai mais devagar.<\/li>\n<\/ul>\n<p>Para entender profundamente qual \u00e9 a melhor para o seu momento de vida, leia nosso artigo t\u00e9cnico: <a style=\"color: #fe1637; font-weight: bold; text-decoration: underline;\" href=\"https:\/\/larya.com.br\/tabela-sac-e-price-2026\">SAC vs Price em 2026: Qual economiza mais?<\/a>.<\/p>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">N\u00e3o Esque\u00e7a os Custos Extras!<\/h2>\n<p>Um erro cl\u00e1ssico \u00e9 juntar os R$ 60 mil da entrada e esquecer da burocracia. Para um im\u00f3vel de R$ 300 mil, voc\u00ea precisar\u00e1 de dinheiro vivo para:<\/p>\n<ul>\n<li><strong>ITBI (Imposto Municipal):<\/strong> ~3% (R$ 9.000).<\/li>\n<li><strong>Registro em Cart\u00f3rio:<\/strong> ~1,5% (R$ 4.500).<\/li>\n<li><strong>Taxa de Engenharia:<\/strong> ~R$ 3.500.<\/li>\n<\/ul>\n<p><strong>Total Extra: ~R$ 17.000,00.<\/strong> \u00c9 crucial entender esses custos para n\u00e3o perder o neg\u00f3cio. Saiba tudo sobre como calcular e se \u00e9 poss\u00edvel obter descontos em nosso guia sobre o <a style=\"color: #fe1637; font-weight: bold; text-decoration: underline;\" href=\"https:\/\/larya.com.br\/itbi\">ITBI e Custos de Cart\u00f3rio<\/a>.<\/p>\n<h2 style=\"color: #041f30; font-weight: 800; margin-top: 50px;\">Perguntas Frequentes (FAQ)<\/h2>\n<div style=\"border-bottom: 1px solid #eee; padding-bottom: 20px; margin-bottom: 20px;\">\n<h3 style=\"font-size: 1.2rem; color: #041f30; margin-bottom: 10px;\">Quanto fica a parcela de 300 mil financiado?<\/h3>\n<p>A parcela inicial gira em torno de R$ 2.300,00 na Tabela Price e R$ 2.900,00 na Tabela SAC, dependendo da taxa do banco.<\/p>\n<\/div>\n<div style=\"border-bottom: 1px solid #eee; padding-bottom: 20px; margin-bottom: 20px;\">\n<h3 style=\"font-size: 1.2rem; color: #041f30; margin-bottom: 10px;\">Posso financiar 100% de um im\u00f3vel de 300 mil?<\/h3>\n<p>N\u00e3o. A regra do Banco Central exige no m\u00ednimo 20% de entrada (R$ 60 mil). Por\u00e9m, voc\u00ea pode usar seu FGTS para cobrir esse valor.<\/p>\n<\/div>\n<div style=\"border-bottom: 1px solid #eee; padding-bottom: 20px; margin-bottom: 20px;\">\n<h3 style=\"font-size: 1.2rem; color: #041f30; margin-bottom: 10px;\">Im\u00f3vel de 300 mil entra no Minha Casa Minha Vida?<\/h3>\n<p>Sim! O teto do MCMV foi ampliado para at\u00e9 R$ 350 mil em diversas regi\u00f5es. Se sua renda for compat\u00edvel, voc\u00ea pode conseguir taxas de juros subsidiadas (abaixo de 8% a.a.), muito menores que as do SBPE.<\/p>\n<\/div>\n<div style=\"background-color: #25d366; color: white; padding: 20px; border-radius: 50px; text-align: center; margin: 60px auto; max-width: 500px; box-shadow: 0 6px 20px rgba(37, 211, 102, 0.4); transition: transform 0.2s;\"><a style=\"color: white; text-decoration: none; font-weight: 800; font-size: 1.2rem; display: flex; align-items: center; justify-content: center;\" href=\"https:\/\/api.whatsapp.com\/send\/?phone=5511936232107&amp;text=Ol%C3%A1%2C+vim+pelo+blog+LARYA&amp;type=phone_number&amp;app_absent=0\"><br \/>\n<img decoding=\"async\" style=\"margin-right: 12px;\" src=\"https:\/\/upload.wikimedia.org\/wikipedia\/commons\/6\/6b\/WhatsApp.svg\" width=\"28\" height=\"28\" \/> Falar com Especialista no WhatsApp<br \/>\n<\/a><\/div>\n<div style=\"margin-top: 80px; padding-top: 40px; border-top: 1px solid #eee; background-color: #fafafa; padding: 30px; border-radius: 12px;\">\n<h3 style=\"font-size: 1.3rem; color: #333; margin-bottom: 25px;\"><strong>Guias Relacionados:<\/strong><\/h3>\n<ul style=\"list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 20px;\">\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/blog\/qual-renda-voce-precisa-para-financiar-um-imovel-de-500-mil\/\">Financiar im\u00f3vel de R$ 500 mil<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/blog\/se-eu-financiar-280-mil-quanto-vou-pagar-simulacao-de-parcela-2026\/\">Financiar im\u00f3vel de R$ 280 mil<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/blog\/como-usar-fgts-para-financiamento-em-2026\/\">Como usar FGTS na Entrada<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">Simulador Oficial LARYA<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload=\"{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;13043&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;11&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Avalie este artigo&quot;,&quot;legend&quot;:&quot;5\\\/5 - (11 votos)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Se eu Financiar 300 Mil Quanto Vou Pagar? Simula\u00e7\u00e3o de Parcela 2026&quot;,&quot;width&quot;:&quot;143.5&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}\">\n<div class=\"kksr-stars\">\n<div class=\"kksr-stars-inactive\">\n<div class=\"kksr-star\" style=\"padding-right: 3px;\" data-star=\"1\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/div>\n<div class=\"kksr-star\" style=\"padding-right: 3px;\" data-star=\"2\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/div>\n<div class=\"kksr-star\" style=\"padding-right: 3px;\" data-star=\"3\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/div>\n<div class=\"kksr-star\" style=\"padding-right: 3px;\" data-star=\"4\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/div>\n<div class=\"kksr-star\" style=\"padding-right: 3px;\" data-star=\"5\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/div>\n<\/div>\n<div class=\"kksr-stars-active\" style=\"width: 143.5px;\">\n<div class=\"kksr-star\" style=\"padding-right: 3px;\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/div>\n<div class=\"kksr-star\" style=\"padding-right: 3px;\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/div>\n<div class=\"kksr-star\" style=\"padding-right: 3px;\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/div>\n<div class=\"kksr-star\" style=\"padding-right: 3px;\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/div>\n<div class=\"kksr-star\" style=\"padding-right: 3px;\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"kksr-legend\" style=\"font-size: 20.8px;\">5\/5 &#8211; (11 votos)<\/div>\n<\/div>\n<p><!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;13043&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;11&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;3&quot;,&quot;greet&quot;:&quot;Avalie este artigo&quot;,&quot;legend&quot;:&quot;5\\\/5 - (11 votos)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Se eu Financiar 300 Mil Quanto Vou Pagar? Simula\u00e7\u00e3o de Parcela 2026&quot;,&quot;width&quot;:&quot;143.5&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 143.5px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 20.8px;\">\n            5\/5 - (11 votos)    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Qual a renda e a parcela para financiar 300 mil? Para financiar um im\u00f3vel de R$ 300.000,00 em 2026, com uma entrada padr\u00e3o de 20% (R$ 60 mil), a renda familiar bruta exigida gira em torno de R$ 7.700,00 a R$ 8.500,00. A primeira parcela no sistema SAC (Caixa Econ\u00f4mica) come\u00e7a em aproximadamente R$ 2.900,00,&#8230;<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":50,"featured_media":18080,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2513],"tags":[3231,3229,2778,968,2676,3234,3228,3233,3232,3230,2779,2780],"class_list":["post-13043","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiamento-imobiliario","tag-financiamento-300-mil","tag-financiamento-de-300-mil-quanto-fica-a-parcela","tag-financiamento-de-imovel","tag-financiamento-imobiliario","tag-larya","tag-qual-a-renda-necessaria-para-financiar-um-imovel-de-300-mil","tag-qual-a-renda-para-financiar-um-imovel-de-300-mil","tag-quanto-de-renda-preciso-para-financiar-300-mil","tag-quanto-preciso-ganhar-para-financiar-um-imovel-de-300-mil","tag-renda-para-financiar-imovel-de-300-mil","tag-simulacao-de-financiamento-imobiliario","tag-simular-financiamento-de-imovel-de-r300"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/larya.com.br\/blog\/wp-content\/uploads\/2026\/03\/Capa-5.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/13043","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/users\/50"}],"replies":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/comments?post=13043"}],"version-history":[{"count":15,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/13043\/revisions"}],"predecessor-version":[{"id":18514,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/13043\/revisions\/18514"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media\/18080"}],"wp:attachment":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media?parent=13043"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/categories?post=13043"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/tags?post=13043"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}