{"id":13068,"date":"2026-09-22T08:16:49","date_gmt":"2026-09-22T11:16:49","guid":{"rendered":"https:\/\/www.agenteimovel.com.br\/noticias\/?p=13068"},"modified":"2026-09-22T08:16:50","modified_gmt":"2026-09-22T11:16:50","slug":"qual-renda-voce-precisa-para-financiar-um-imovel-de-400-mil","status":"publish","type":"post","link":"https:\/\/larya.com.br\/blog\/qual-renda-voce-precisa-para-financiar-um-imovel-de-400-mil\/","title":{"rendered":"Qual renda precisa para financiar im\u00f3vel de R$ 400 mil?"},"content":{"rendered":"<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Article\",\n  \"headline\": \"Quanto Fica a Parcela de R$400.000 Financiado em 2026? Simula\u00e7\u00e3o Completa\",\n  \"description\": \"Parcela de im\u00f3vel de R$400.000 em 2026: R$3.093\/m\u00eas (Price) ou R$3.873\/m\u00eas (SAC, 1\u00aa parcela). Renda m\u00ednima, ranking de bancos, MCMV Classe M\u00e9dia e custos extras. Dados atualizados Agosto\/2026.\",\n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"LARYA Cr\u00e9dito Imobili\u00e1rio\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"LARYA\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/larya.com.br\/static\/images\/logo.webp\"\n    }\n  },\n  \"datePublished\": \"2026-06-19\",\n  \"dateModified\": \"2026-06-19\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/larya.com.br\/blog\/quanto-fica-parcela-400-mil-financiado\/\"\n  }\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quanto fica a parcela de R$400.000 financiado?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Financiando R$320.000 (80% de R$400.000) em 360 meses: Tabela Price (parcela fixa): a partir de R$3.093\/m\u00eas na Caixa Econ\u00f4mica (11,19% a.a.). Tabela SAC (1\u00aa parcela, depois cai): R$3.873\/m\u00eas na Caixa. A renda familiar bruta m\u00ednima exigida \u00e9 de aproximadamente R$10.312. Simule em larya.com.br\/simulador-habitacional. (Setembro\/2026, Selic: 13,75% a.a.)\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qual a renda m\u00ednima para financiar R$400.000?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Renda familiar bruta m\u00ednima de aproximadamente R$10.312 (Tabela Price, Caixa 11,19% a.a., 360 meses). \u00c9 poss\u00edvel atingir esse valor por composi\u00e7\u00e3o de renda com c\u00f4njuge, irm\u00e3o, s\u00f3cio ou amigo. O Santander permite composi\u00e7\u00e3o sem v\u00ednculo familiar.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Posso financiar R$400.000 sem entrada?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"N\u00e3o. O Banco Central exige entrada m\u00ednima de 20%. Para R$400.000, a entrada \u00e9 de R$80.000 (para R$400k), R$100.000 (para R$500k) ou R$120.000 (para R$600k). Por\u00e9m, 100% da entrada pode ser coberta com saldo do FGTS, sem desembolso de caixa pr\u00f3prio.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"O Minha Casa Minha Vida cobre im\u00f3vel de R$400.000?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Sim. R$400.000 est\u00e1 exatamente no teto da Faixa 3 do MCMV (renda familiar at\u00e9 R$9.600\/m\u00eas). Fam\u00edlias com renda entre R$9.600,01 e R$13.000\/m\u00eas podem verificar elegibilidade pela Faixa 4 (Classe M\u00e9dia). O MCMV financia im\u00f3veis usados desde 2023. Fonte: Minist\u00e9rio das Cidades, 22\/04\/2026. Simule em larya.com.br\/simulador-habitacional.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qual banco tem a menor taxa para financiar R$400.000?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Em junho de 2026, a Caixa Econ\u00f4mica Federal tem a menor taxa nominal de balc\u00e3o: 11,19% a.a. + TR. O BRB segue com 11,36% a.a. Para agilidade, o Ita\u00fa (11,60% a.a.) aprova em at\u00e9 24h. A LARYA compara todos os bancos simultaneamente e sem custo para o cliente. Simule em larya.com.br\/simulador-habitacional.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quanto custa de ITBI e cart\u00f3rio para um im\u00f3vel de R$400.000?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Para R$400.000 em S\u00e3o Paulo (ITBI 3%): total aproximado de R$21.100. Com 50% de desconto no cart\u00f3rio (primeiro im\u00f3vel SFH pela Lei 6.015\/73): R$18.100. Calcule o ITBI da sua cidade em larya.com.br\/itbi.\"\n      }\n    }\n  ]\n}\n<\/script><br \/>\n<!-- HEAD \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 TITLE TAG: Quanto Fica a Parcela de R$400.000 Financiado? Simula\u00e7\u00e3o 2026 META DESCRIPTION: Parcela de im\u00f3vel de R$400.000 em 2026: a partir de R$3.093\/m\u00eas (Price) ou R$3.873\/m\u00eas (SAC 1\u00aa parcela). Renda m\u00ednima, MCMV e ranking dos bancos parceiros. \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/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<p><!-- H1 --><\/p>\n<div style=\"background-color: #f4f6f8; padding: 25px; border-left: 5px solid #fe1637; margin-bottom: 30px;\">\n<p style=\"margin: 0; font-weight: 500; font-size: 1.15rem;\"><strong>Resposta direta:<\/strong> Para financiar um im\u00f3vel de <strong>R$400.000<\/strong> com entrada de 20% (R$80.000),<br \/>\na primeira parcela no sistema <strong>Price<\/strong> (parcela fixa) fica em torno de<br \/>\n<strong>R$3.093\/m\u00eas<\/strong> na Caixa Econ\u00f4mica (taxa de 11,19% a.a.). Pelo sistema <strong>SAC<\/strong>,<br \/>\na 1\u00aa parcela \u00e9 de ~<strong>R$3.873\/m\u00eas<\/strong> (maior, mas cai todo m\u00eas). A renda familiar bruta m\u00ednima<br \/>\nexigida \u00e9 de aproximadamente <strong>R$10.312<\/strong>. Financiado: <strong>R$320.000<\/strong> em at\u00e9 420 meses.<\/p>\n<\/div>\n<p><!-- \u2461 COMPLIANCE --><\/p>\n<div style=\"background: #fff8e1; border-left: 4px solid #ffc107; padding: 14px 18px; border-radius: 0 6px 6px 0; margin: 20px 0; font-size: 14px; color: #555; line-height: 1.6;\"><strong style=\"color: #856404;\">&#x26a0;&#xfe0f; Aviso:<\/strong><br \/>\nAs condi\u00e7\u00f5es de cr\u00e9dito variam conforme perfil, score, relacionamento banc\u00e1rio e pol\u00edticas internas de cada institui\u00e7\u00e3o.<br \/>\nOs valores s\u00e3o estimativas (Agosto\/2026) e est\u00e3o sujeitos a altera\u00e7\u00f5es. Simule sempre com um especialista antes de tomar decis\u00f5es financeiras.<\/div>\n<p><!-- PAINEL RAIO-X --><\/p>\n<div style=\"background: #fff; border: 1px solid #e0e0e0; border-radius: 16px; padding: 28px; margin: 40px 0;\">\n<h3 style=\"margin: 0 0 20px; color: #041f30; font-size: 1.3rem;\">&#x1f4ca; Raio-X: Im\u00f3vel de R$400.000 \u2014 Agosto\/2026<\/h3>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit,minmax(160px,1fr)); gap: 20px;\">\n<div style=\"border-right: 1px solid #eee;\"><span style=\"display: block; font-size: 0.85rem; color: #666; font-weight: bold; text-transform: uppercase;\">Valor do Im\u00f3vel<\/span><br \/>\n<span style=\"display: block; font-size: 1.5rem; font-weight: 800; color: #041f30;\">R$400.000<\/span><\/div>\n<div style=\"border-right: 1px solid #eee;\"><span style=\"display: block; font-size: 0.85rem; color: #666; font-weight: bold; text-transform: uppercase;\">Entrada (20%)<\/span><br \/>\n<span style=\"display: block; font-size: 1.5rem; font-weight: 800; color: #041f30;\">R$80.000<\/span><\/div>\n<div style=\"border-right: 1px solid #eee;\"><span style=\"display: block; font-size: 0.85rem; color: #666; font-weight: bold; text-transform: uppercase;\">Financiado<\/span><br \/>\n<span style=\"display: block; font-size: 1.5rem; font-weight: 800; color: #28a745;\">R$320.000<\/span><\/div>\n<div style=\"border-right: 1px solid #eee;\"><span style=\"display: block; font-size: 0.85rem; color: #666; font-weight: bold; text-transform: uppercase;\">Renda M\u00edn (Price)<\/span><br \/>\n<span style=\"display: block; font-size: 1.5rem; font-weight: 800; color: #041f30;\">R$10.312<\/span><\/div>\n<div><span style=\"display: block; font-size: 0.85rem; color: #666; font-weight: bold; text-transform: uppercase;\">Selic<\/span><br \/>\n<span style=\"display: block; font-size: 1.5rem; font-weight: 800; color: #041f30;\">13,75% a.a.<\/span><br \/>\n<span style=\"font-size: 0.75rem; color: #888;\">COPOM 16\/09\/2026<\/span><\/div>\n<\/div>\n<\/div>\n<div style=\"text-align: center; margin: 40px 0;\"><a style=\"background: #fe1637; color: #fff; padding: 18px 45px; text-decoration: none; border-radius: 50px; font-weight: 800; font-size: 1.1rem; display: inline-block;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">SIMULAR PARCELA DE R$400.000 \u2192<br \/>\n<\/a><\/p>\n<p style=\"margin-top: 12px; font-size: 0.9rem; color: #666;\">Simula\u00e7\u00e3o gratuita \u2014 mais de 10 bancos em tempo real.<\/p>\n<\/div>\n<p><!-- RANKING TABELA --><\/p>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 60px;\">Ranking: Qual Banco tem a Menor Parcela para R$400.000?<\/h2>\n<p>Simula\u00e7\u00e3o para financiamento de <strong>R$320.000<\/strong> em 360 meses, Tabela Price. Com a<br \/>\n<a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/taxa-selic\">Selic em 13,75% a.a.<\/a>,<br \/>\na diferen\u00e7a entre o melhor e o pior banco representa um impacto expressivo ao longo de 30 anos:<\/p>\n<div style=\"overflow-x: auto; margin: 25px 0; border-radius: 10px; border: 1px solid #ddd;\">\n<!-- LARYA_FIN_RATE_TABLE_START --><\/p>\n<h3>Ranking de taxas de financiamento imobili\u00e1rio (julho\/2026)<\/h3>\n<table>\n<thead>\n<tr>\n<th>Ranking<\/th>\n<th>Banco<\/th>\n<th>Taxa (a.a.)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>#1 &#127942;<\/td>\n<td>Caixa Econ\u00f4mica<\/td>\n<td>a partir de 11,19% a.a.<\/td>\n<\/tr>\n<tr>\n<td>#2<\/td>\n<td>BRB<\/td>\n<td>11,36% a.a.<\/td>\n<\/tr>\n<tr>\n<td>#3<\/td>\n<td>Banco do Brasil<\/td>\n<td>11,60% a.a.<\/td>\n<\/tr>\n<tr>\n<td>#4<\/td>\n<td>Ita\u00fa<\/td>\n<td>11,60% a.a.<\/td>\n<\/tr>\n<tr>\n<td>#5<\/td>\n<td>Santander<\/td>\n<td>11,69% a.a.<\/td>\n<\/tr>\n<tr>\n<td>#6<\/td>\n<td>Bradesco<\/td>\n<td>11,70% a.a.<\/td>\n<\/tr>\n<tr>\n<td>#7<\/td>\n<td>Banco Inter<\/td>\n<td>14,63% a.a.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size:12px;color:#6b7280;\">Fonte: taxas de refer\u00eancia LARYA &bull; atualizado em julho\/2026. Sujeitas a an\u00e1lise de cr\u00e9dito. Simule seu caso para valores exatos.<\/p>\n<p><!-- LARYA_FIN_RATE_TABLE_END --><br \/>\n<!-- LARYA_MCMV_FAIXA_START --><\/p>\n<h3>Minha Casa Minha Vida 2026: faixas de renda<\/h3>\n<table>\n<thead>\n<tr>\n<th>Faixa<\/th>\n<th>Renda familiar<\/th>\n<th>Im\u00f3vel at\u00e9<\/th>\n<th>Destaque<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Faixa 1<\/td>\n<td>At\u00e9 R$ 3.200<\/td>\n<td>R$ 275 mil<\/td>\n<td>Maior subs\u00eddio + menores taxas<\/td>\n<\/tr>\n<tr>\n<td>Faixa 2<\/td>\n<td>At\u00e9 R$ 5.000<\/td>\n<td>R$ 275 mil<\/td>\n<td>Taxas subsidiadas<\/td>\n<\/tr>\n<tr>\n<td>Faixa 3<\/td>\n<td>At\u00e9 R$ 9.600<\/td>\n<td>R$ 400 mil<\/td>\n<td>Bom custo-benef\u00edcio<\/td>\n<\/tr>\n<tr>\n<td>Faixa 4 (novidade 2026)<\/td>\n<td>At\u00e9 R$ 13.000<\/td>\n<td>R$ 600 mil<\/td>\n<td>Classe m\u00e9dia \u2014 novo em 2026<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size:12px;color:#6b7280;\">Condi\u00e7\u00f5es MCMV vigentes em julho\/2026. Prazo at\u00e9 420 meses. Sujeito a an\u00e1lise e disponibilidade de subs\u00eddio.<\/p>\n<p><!-- LARYA_MCMV_FAIXA_END --><\/p>\n<\/div>\n<p style=\"font-size: 0.85rem; color: #666;\"><em>Tabela Price, 360 meses, R$320.000 financiados. Taxas nominais de balc\u00e3o \u2014 Agosto\/2026. Selic: 13,75% a.a. Sujeito a aprova\u00e7\u00e3o e score.<\/em><\/p>\n<div style=\"background-color: #041f30; color: white; padding: 18px 22px; border-radius: 10px; margin: 20px 0; text-align: center;\"><strong style=\"font-size: 1.1rem;\">&#x1f4b8; Diferen\u00e7a Caixa vs Inter em 30 anos: R$229.680<\/strong><br \/>\n<span style=\"font-size: 0.9rem; opacity: 0.85;\">(R$638\/m\u00eas \u00d7 360 meses)<\/span><\/div>\n<p><!-- SAC vs PRICE --><\/p>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 60px;\">SAC ou Price para R$400.000?<\/h2>\n<p>A escolha do <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/tabela-sac-e-price-2026\">sistema de amortiza\u00e7\u00e3o<\/a> impacta diretamente a aprova\u00e7\u00e3o e o custo total:<\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit,minmax(280px,1fr)); gap: 20px; margin: 20px 0;\">\n<div style=\"background: #fafafa; padding: 22px; border-radius: 10px; border-top: 4px solid #28a745;\">\n<h4 style=\"margin-top: 0; color: #041f30;\">Tabela Price \u2014 Parcela Fixa<\/h4>\n<p style=\"font-size: 1.4rem; font-weight: 800; color: #28a745; margin: 8px 0;\">R$3.093\/m\u00eas<\/p>\n<p style=\"margin: 0; font-size: 14px; color: #555;\">Parcela constante do 1\u00ba ao 360\u00ba m\u00eas. Renda m\u00ednima menor \u2014 mais f\u00e1cil de aprovar. Recomendada para quem est\u00e1 no limite da renda.<\/p>\n<\/div>\n<div style=\"background: #fafafa; padding: 22px; border-radius: 10px; border-top: 4px solid #3a2fa3;\">\n<h4 style=\"margin-top: 0; color: #041f30;\">Tabela SAC \u2014 Parcelas Decrescentes<\/h4>\n<p style=\"font-size: 1.4rem; font-weight: 800; color: #3a2fa3; margin: 8px 0;\">R$3.873\/m\u00eas (1\u00aa)<\/p>\n<p style=\"margin: 0; font-size: 14px; color: #555;\">Come\u00e7a mais alto, cai todo m\u00eas. Amortiza a d\u00edvida mais r\u00e1pido e paga muito menos juros no total. Recomendada para quem tem folga na renda.<\/p>\n<\/div>\n<\/div>\n<p><!-- COMPOSI\u00c7\u00c3O DE RENDA --><\/p>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 60px;\">Como Comprovar R$10.312 de Renda?<\/h2>\n<p>Se atingir a renda sozinho \u00e9 um desafio, a solu\u00e7\u00e3o \u00e9 a <strong>composi\u00e7\u00e3o de renda<\/strong> \u2014 juntar a renda de duas ou mais pessoas no mesmo contrato:<\/p>\n<ul style=\"list-style: none; padding: 0;\">\n<li style=\"margin-bottom: 10px; background: #fafafa; padding: 14px 18px; border-radius: 8px; border-left: 4px solid #3a2fa3;\"><strong>Casal:<\/strong> R$6.000 + R$4.500 = <strong style=\"color: #28a745;\">R$10.500 &#x2705;<\/strong><\/li>\n<li style=\"margin-bottom: 10px; background: #fafafa; padding: 14px 18px; border-radius: 8px; border-left: 4px solid #3a2fa3;\"><strong>Irm\u00e3os:<\/strong> R$5.200 + R$5.200 = <strong style=\"color: #28a745;\">R$10.400 &#x2705;<\/strong><\/li>\n<li style=\"margin-bottom: 10px; background: #fafafa; padding: 14px 18px; border-radius: 8px; border-left: 4px solid #3a2fa3;\"><strong>S\u00f3cios\/Amigos (Santander):<\/strong> R$5.500 + R$5.000 = <strong style=\"color: #28a745;\">R$10.500 &#x2705;<\/strong><\/li>\n<\/ul>\n<div style=\"background-color: #fff3cd; border-left: 5px solid #ffc107; padding: 16px 20px; margin: 16px 0; border-radius: 0 8px 8px 0; font-size: 14px;\"><strong>&#x26a0;&#xfe0f; Dica LARYA:<\/strong> Na composi\u00e7\u00e3o, a <strong>idade do participante mais velho<\/strong> define o prazo m\u00e1ximo do financiamento.<br \/>\nIncluir uma pessoa acima de 60 anos pode reduzir o prazo de 35 para 15 anos, explodindo o valor da parcela. Escolha participantes jovens.<br \/>\nO <strong>Santander<\/strong> \u00e9 o banco mais flex\u00edvel \u2014 permite compor renda entre pessoas sem v\u00ednculo familiar.<\/div>\n<p><!-- FGTS --><\/p>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 60px;\">Posso Usar FGTS na Entrada de R$400.000?<\/h2>\n<p>Sim. Im\u00f3veis de at\u00e9 R$2,25 milh\u00f5es enquadrados no SFH permitem o uso do FGTS. Para um im\u00f3vel de R$400.000,<br \/>\na entrada m\u00ednima \u00e9 de <strong>R$80.000<\/strong>. Se o seu saldo de FGTS cobrir esse valor, voc\u00ea n\u00e3o precisa desembolsar caixa pr\u00f3prio na entrada.<br \/>\nVeja as regras completas em <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/blog\/como-usar-fgts-para-financiamento-em-2026\/\">nosso guia de FGTS 2026 \u2192<\/a><\/p>\n<p><!-- MCMV --><\/p>\n<div style=\"background: linear-gradient(135deg,#e8f5e9 0%,#f4f6f8 100%); border: 1px solid #c8e6c9; border-radius: 14px; padding: 28px 32px; margin: 48px 0;\">\n<div style=\"display: flex; align-items: center; gap: 12px; margin-bottom: 14px; flex-wrap: wrap;\">\n<div style=\"background: #28a745; border-radius: 8px; padding: 5px 12px;\"><span style=\"color: white; font-size: 11px; font-weight: 800; letter-spacing: 1.5px; text-transform: uppercase;\">Novidade Agosto\/2026<\/span><\/div>\n<p><span style=\"font-size: 13px; color: #666;\">Minist\u00e9rio das Cidades, 22\/04\/2026<\/span><\/p>\n<\/div>\n<h3 style=\"color: #041f30; font-weight: 800; font-size: 1.2rem; margin: 0 0 12px;\">Minha Casa Minha Vida pode ser op\u00e7\u00e3o para este im\u00f3vel<\/h3>\n<p style=\"margin: 0 0 14px; font-size: 15px; color: #333; line-height: 1.75;\">R$400 mil est\u00e1 exatamente no teto da Faixa 3 do MCMV. Se a sua renda familiar est\u00e1 at\u00e9 R$9.600\/m\u00eas, voc\u00ea pode ter acesso a taxas subsidiadas muito menores que 11,19% a.a. O programa aceita im\u00f3veis usados desde 2023 e opera pela Caixa com a mesma vistoria de engenharia do SBPE. Faixas eleg\u00edveis para R$400.000:<\/p>\n<ul style=\"margin: 0 0 18px; padding-left: 20px; color: #333;\">\n<li style=\"margin-bottom: 8px;\">&#x2705; Faixa 3 (renda at\u00e9 R$9.600\/m\u00eas) \u2014 im\u00f3vel at\u00e9 R$400 mil &#x2705;<\/li>\n<li style=\"margin-bottom: 8px;\">&#x2705; Faixa 4 \/ Classe M\u00e9dia (renda at\u00e9 R$13.000\/m\u00eas) \u2014 im\u00f3vel at\u00e9 R$600 mil &#x2705;<\/li>\n<\/ul>\n<p><a style=\"display: inline-block; background: #28a745; color: #fff; padding: 12px 22px; border-radius: 8px; font-weight: bold; font-size: 14px; text-decoration: none;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\"><span style=\"font-size: 14pt;\">Verificar se me enquadro no MCMV \u2192<\/span><br \/>\n<\/a><\/p>\n<\/div>\n<p><!-- CUSTOS EXTRAS --><\/p>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 60px;\">O &#8220;Susto&#8221; dos Custos Extras<\/h2>\n<p>N\u00e3o se esque\u00e7a de reservar al\u00e9m da entrada. Para um im\u00f3vel de R$400.000 em S\u00e3o Paulo (ITBI 3%):<\/p>\n<div style=\"overflow-x: auto; margin: 20px 0; border-radius: 8px; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: collapse; min-width: 400px;\">\n<thead>\n<tr style=\"background: #3a2fa3; color: white;\">\n<th style=\"padding: 12px 15px; text-align: left;\">Custo<\/th>\n<th style=\"padding: 12px 15px; text-align: center;\">Valor<\/th>\n<th style=\"padding: 12px 15px; text-align: left;\">Observa\u00e7\u00e3o<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 11px 15px; font-weight: bold;\">ITBI (Prefeitura)<\/td>\n<td style=\"padding: 11px 15px; text-align: center; color: #c62828; font-weight: bold;\">R$12.000<\/td>\n<td style=\"padding: 11px 15px; font-size: 14px;\">3% do valor \u2014 varia por cidade. Calcule em <a style=\"color: #fe1637;\" href=\"https:\/\/larya.com.br\/itbi\">larya.com.br\/itbi \u2192<\/a><\/td>\n<\/tr>\n<tr style=\"background: #f9f9f9;\">\n<td style=\"padding: 11px 15px; font-weight: bold;\">Registro em Cart\u00f3rio<\/td>\n<td style=\"padding: 11px 15px; text-align: center; color: #c62828; font-weight: bold;\">R$6.000<\/td>\n<td style=\"padding: 11px 15px; font-size: 14px;\">~1,5% do valor. 1\u00ba im\u00f3vel SFH: 50% de desconto \u2192 R$3.000<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 11px 15px; font-weight: bold;\">Avalia\u00e7\u00e3o do Engenheiro<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">~R$3.100<\/td>\n<td style=\"padding: 11px 15px; font-size: 14px;\">Taxa banc\u00e1ria cobrada na contrata\u00e7\u00e3o<\/td>\n<\/tr>\n<tr style=\"background: #ffebee;\">\n<td style=\"padding: 11px 15px; font-weight: bold;\">Total Extra<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: 800; font-size: 1.1rem; color: #c62828;\">R$21.100<\/td>\n<td style=\"padding: 11px 15px; font-size: 14px;\">Com desconto 1\u00ba im\u00f3vel SFH: <strong>R$18.100<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><!-- SOCIAL PROOF --><\/p>\n<div style=\"margin: 60px 0; padding: 36px 30px; background: #f4f6f8; border-radius: 16px; border: 1px solid #e0e0e0;\">\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.5rem; margin-top: 0; margin-bottom: 6px;\">O que dizem nossos clientes<\/h2>\n<p style=\"color: #666; font-size: 14px; margin-bottom: 24px;\">&#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50; <strong>5,0<\/strong> \u2014 +100 fam\u00edlias financiadas em 2026<\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit,minmax(270px,1fr)); gap: 18px;\">\n<div style=\"background: #fff; padding: 20px; border-radius: 10px; border: 1px solid #eee;\">\n<div style=\"display: flex; align-items: center; gap: 10px; margin-bottom: 10px;\">\n<div style=\"width: 38px; height: 38px; background: #fe1637; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-weight: 800; flex-shrink: 0;\">L<\/div>\n<div>\n<p style=\"margin: 0; font-weight: bold; font-size: 15px; color: #041f30;\">Leonardo Nascimento<\/p>\n<p style=\"margin: 0; font-size: 12px; color: #888;\">&#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50; \u00b7 Google Maps<\/p>\n<\/div>\n<\/div>\n<p style=\"margin: 0; font-size: 14px; color: #444; line-height: 1.7; font-style: italic;\">&#8220;Assinei meu contrato com o Santander em <strong>20 dias<\/strong> \u2014 normalmente o processo demora de 40 a 60 dias.&#8221;<\/p>\n<\/div>\n<div style=\"background: #fff; padding: 20px; border-radius: 10px; border: 1px solid #eee;\">\n<div style=\"display: flex; align-items: center; gap: 10px; margin-bottom: 10px;\">\n<div style=\"width: 38px; height: 38px; background: #3a2fa3; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-weight: 800; flex-shrink: 0;\">A<\/div>\n<div>\n<p style=\"margin: 0; font-weight: bold; font-size: 15px; color: #041f30;\">Adar Yechiam<\/p>\n<p style=\"margin: 0; font-size: 12px; color: #888;\">&#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50; \u00b7 Google Maps \u00b7 Local Guide<\/p>\n<\/div>\n<\/div>\n<p style=\"margin: 0; font-size: 14px; color: #444; line-height: 1.7; font-style: italic;\">&#8220;O Nathan <strong>explicou CET, seguros e prazos em linguagem simples<\/strong>. Ajustamos prazo e entrada de acordo com meu or\u00e7amento.&#8221;<\/p>\n<\/div>\n<div style=\"background: #fff; padding: 20px; border-radius: 10px; border: 1px solid #eee;\">\n<div style=\"display: flex; align-items: center; gap: 10px; margin-bottom: 10px;\">\n<div style=\"width: 38px; height: 38px; background: #28a745; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-weight: 800; flex-shrink: 0;\">I<\/div>\n<div>\n<p style=\"margin: 0; font-weight: bold; font-size: 15px; color: #041f30;\">Iara Mara<\/p>\n<p style=\"margin: 0; font-size: 12px; color: #888;\">&#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50; \u00b7 Google Maps<\/p>\n<\/div>\n<\/div>\n<p style=\"margin: 0; font-size: 14px; color: #444; line-height: 1.7; font-style: italic;\">&#8220;<strong>N\u00e3o precisei me preocupar com nada<\/strong>. O atendimento \u00e9 personalizado e o processo \u00e9 muito r\u00e1pido \u2014 assinei em menos de um m\u00eas.&#8221;<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- AUTORIDADE LARYA --><\/p>\n<div style=\"margin: 48px 0; padding: 32px; background: #f4f6f8; border-radius: 14px; border: 1px solid #e0e0e0;\">\n<p style=\"margin: 0 0 4px; font-size: 11px; font-weight: bold; letter-spacing: 1.5px; text-transform: uppercase; color: #fe1637;\">Sobre a LARYA<\/p>\n<h3 style=\"margin: 0 0 12px; font-size: 1.15rem; font-weight: 800; color: #041f30;\">Correspondente Banc\u00e1rio Credenciado \u2014 S\u00e3o Paulo, SP<\/h3>\n<p style=\"margin: 0 0 16px; font-size: 15px; color: #444; line-height: 1.75;\">A <strong>LARYA<\/strong> \u00e9 um correspondente banc\u00e1rio credenciado especializado em cr\u00e9dito imobili\u00e1rio. Operamos com <strong>mais de 10 bancos e institui\u00e7\u00f5es parceiras<\/strong> \u2014 Caixa, Ita\u00fa, Santander, Bradesco, BRB, BB e Inter \u2014 e submetemos sua proposta simultaneamente em m\u00faltiplas institui\u00e7\u00f5es para garantir a menor taxa. O servi\u00e7o \u00e9 <strong>gratuito para o comprador<\/strong>. Avaliados com <strong>+100 fam\u00edlias financiadas em 2026<\/strong> +100 fam\u00edlias financiadas em 2026.<\/p>\n<div style=\"display: flex; flex-wrap: wrap; gap: 22px; margin-bottom: 20px;\">\n<div><span style=\"display: block; font-size: 1.4rem; font-weight: 800; color: #fe1637;\">10+<\/span><span style=\"font-size: 12px; color: #666; text-transform: uppercase;\">Bancos e institui\u00e7\u00f5es<\/span><\/div>\n<div><span style=\"display: block; font-size: 1.4rem; font-weight: 800; color: #fe1637;\">+100 fam\u00edlias financiadas em 2026<\/span><span style=\"font-size: 12px; color: #666; text-transform: uppercase;\">Fam\u00edlias financiadas em 2026<\/span><\/div>\n<div><span style=\"display: block; font-size: 1.4rem; font-weight: 800; color: #fe1637;\">R$0<\/span><span style=\"font-size: 12px; color: #666; text-transform: uppercase;\">Custo p\/ cliente<\/span><\/div>\n<div><span style=\"display: block; font-size: 1.4rem; font-weight: 800; color: #fe1637;\">30\u201345d<\/span><span style=\"font-size: 12px; color: #666; text-transform: uppercase;\">Prazo m\u00e9dio<\/span><\/div>\n<\/div>\n<div style=\"display: flex; flex-wrap: wrap; gap: 12px;\"><a style=\"background: #041f30; color: #fff; padding: 13px 22px; border-radius: 8px; font-weight: bold; font-size: 14px; text-decoration: none;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">Simular meu financiamento \u2192<\/a><br \/>\n<a style=\"background: #25d366; color: #fff; padding: 13px 22px; border-radius: 8px; font-weight: bold; font-size: 14px; text-decoration: none;\" href=\"https:\/\/api.whatsapp.com\/send\/?phone=5511936232107&amp;text=Ol%C3%A1%2C+vim+pelo+blog+LARYA+e+quero+simular+financiamento+de+400000&amp;type=phone_number&amp;app_absent=0\">&#x1f4ac; Falar com especialista<\/a><\/div>\n<\/div>\n<p><!-- FAQ --><\/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: 18px; margin-bottom: 18px;\">\n<h3 style=\"font-size: 1.15rem; color: #041f30; margin-bottom: 8px;\">Quanto fica a parcela de R$400.000 financiado?<\/h3>\n<p>Na Tabela Price: a partir de <strong>R$3.093\/m\u00eas<\/strong> na Caixa (11,19% a.a.). Na Tabela SAC: a 1\u00aa parcela \u00e9 de ~<strong>R$3.873\/m\u00eas<\/strong>, reduzindo mensalmente.<\/p>\n<\/div>\n<div style=\"border-bottom: 1px solid #eee; padding-bottom: 18px; margin-bottom: 18px;\">\n<h3 style=\"font-size: 1.15rem; color: #041f30; margin-bottom: 8px;\">Qual a renda para financiar R$400.000?<\/h3>\n<p>Renda familiar bruta m\u00ednima de aproximadamente <strong>R$10.312<\/strong> (Tabela Price, Caixa). \u00c9 poss\u00edvel compor renda com c\u00f4njuge, irm\u00e3o ou s\u00f3cio para atingir esse valor.<\/p>\n<\/div>\n<div style=\"border-bottom: 1px solid #eee; padding-bottom: 18px; margin-bottom: 18px;\">\n<h3 style=\"font-size: 1.15rem; color: #041f30; margin-bottom: 8px;\">Posso financiar R$400.000 sem entrada?<\/h3>\n<p>N\u00e3o. O Banco Central exige entrada m\u00ednima de 20% (R$80.000). Por\u00e9m, voc\u00ea pode cobrir essa entrada com o saldo do FGTS, sem desembolso de caixa pr\u00f3prio.<\/p>\n<\/div>\n<div style=\"border-bottom: 1px solid #eee; padding-bottom: 18px; margin-bottom: 18px;\">\n<h3 style=\"font-size: 1.15rem; color: #041f30; margin-bottom: 8px;\">Qual banco tem a menor taxa para financiar R$400.000?<\/h3>\n<p>A Caixa Econ\u00f4mica Federal tem a menor taxa de balc\u00e3o: <strong>11,19% a.a. + TR<\/strong>. Use o <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">simulador LARYA<\/a> para comparar todos os bancos simultaneamente.<\/p>\n<\/div>\n<div style=\"border-bottom: 1px solid #eee; padding-bottom: 18px; margin-bottom: 18px;\">\n<h3 style=\"font-size: 1.15rem; color: #041f30; margin-bottom: 8px;\">O Minha Casa Minha Vida cobre R$400.000?<\/h3>\n<p>R$400 mil est\u00e1 exatamente no teto da Faixa 3 do MCMV. Se a sua renda familiar est\u00e1 at\u00e9 R$9.600\/m\u00eas, voc\u00ea pode ter acesso a taxas subsidiadas muito menores que 11,19% a.a.<\/p>\n<\/div>\n<p><!-- WHATSAPP CTA --><\/p>\n<div style=\"background-color: #25d366; color: white; padding: 20px; border-radius: 50px; text-align: center; margin: 50px auto; max-width: 500px; box-shadow: 0 6px 20px rgba(37,211,102,0.4);\"><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=Quero+simular+financiamento+de+400000+reais&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\" alt=\"WhatsApp\" width=\"28\" height=\"28\" \/>Simular Financiamento de R$400.000<br \/>\n<\/a><\/div>\n<p><!-- METHODOLOGY --><\/p>\n<div style=\"margin-top: 50px; padding: 16px 20px; background: #fafafa; border-radius: 8px; border: 1px solid #eee; font-size: 13px; color: #666; line-height: 1.7;\"><strong style=\"color: #041f30;\">&#x1f4cb; Metodologia e fontes:<\/strong><br \/>\nParcelas calculadas com as f\u00f3rmulas oficiais do Banco Central (Price e SAC), taxas nominais de balc\u00e3o monitoradas pela LARYA Market Intelligence em Agosto\/2026.<br \/>\nSelic: 13,75% a.a. (COPOM 16\/09\/2026). Fontes:<br \/>\n<a style=\"color: #041f30;\" href=\"https:\/\/www.bcb.gov.br\" target=\"_blank\" rel=\"noopener\">Banco Central do Brasil<\/a>,<br \/>\n<a style=\"color: #041f30;\" href=\"https:\/\/www.abecip.org.br\/\" target=\"_blank\" rel=\"noopener\">ABECIP<\/a>,<br \/>\n<a style=\"color: #041f30;\" href=\"https:\/\/www.gov.br\/cidades\/pt-br\/assuntos\/noticias-1\/noticia-mcid-n-2111\" target=\"_blank\" rel=\"noopener\">Minist\u00e9rio das Cidades (22\/04\/2026)<\/a>.<br \/>\nAs condi\u00e7\u00f5es podem ter se alterado ap\u00f3s essa data.<\/div>\n<\/div>\n<p><!-- GUIAS RELACIONADOS --><\/p>\n<h3 style=\"font-size: 1.3rem; color: #333; margin-bottom: 25px;\"><strong>Guias Relacionados:<\/strong><\/h3>\n<ul style=\"list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 20px;\">\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/blog\/qual-renda-voce-precisa-para-financiar-um-imovel-de-300-mil\/\">Financiar im\u00f3vel de R$ 300 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\/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\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;13068&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;19&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;4.4&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;4.4\\\/5 - (19 votos)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Qual renda precisa para financiar im\u00f3vel de R$ 400 mil?&quot;,&quot;width&quot;:&quot;126.1&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: 126.1px;\">\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            4.4\/5 - (19 votos)    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>Resposta direta: Para financiar um im\u00f3vel de R$400.000 com entrada de 20% (R$80.000), a primeira parcela no sistema Price (parcela fixa) fica em torno de R$3.093\/m\u00eas na Caixa Econ\u00f4mica (taxa de 11,19% a.a.). Pelo sistema SAC, a 1\u00aa parcela \u00e9 de ~R$3.873\/m\u00eas (maior, mas cai todo m\u00eas). A renda familiar bruta m\u00ednima exigida \u00e9 de&#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":48,"featured_media":15875,"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_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2513],"tags":[3945,3425,3428,2783,40,2784,3946,968,3426,3947,3305,3238,2676,3235,3240,3239,3236,2781,3237,3241,2782,3427,2585],"class_list":["post-13068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiamento-imobiliario","tag-apartamento-400-mil","tag-caixa-financiamento-imovel-usado","tag-caixa-financiamento-imovel","tag-entrada","tag-fgts","tag-financiamento-banco","tag-financiamento-de-400-mil-valor-da-parcela","tag-financiamento-imobiliario","tag-financiamento-simulacao-imovel-400-mil","tag-financiar-400-mil-pela-caixa","tag-financiar-imovel-de-r-400-mil","tag-financiar-uma-casa-de-400-mil","tag-larya","tag-qual-a-renda-necessaria-para-financiar-um-imovel-de-400-mil","tag-qual-a-renda-para-financiar-um-imovel-de-400-mil","tag-quanto-fica-a-parcela-de-um-financiamento-de-400-mil-pela-caixa","tag-quanto-preciso-ganhar-para-financiar-um-imovel-de-400-mil","tag-renda-necessaria","tag-renda-para-financiar-imovel-de-400-mil","tag-se-eu-financiar-400-mil-quanto-vou-pagar","tag-simulacao-de-financiamento","tag-simular-financiamento-imovel-caixa","tag-taxa-de-juros"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Renda para financiar im\u00f3vel de R$ 400 mil: veja parcela, entrada e prazo com taxas de refer\u00eancia de 10+ bancos. 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