{"id":13114,"date":"2026-09-22T08:15:23","date_gmt":"2026-09-22T11:15:23","guid":{"rendered":"https:\/\/www.agenteimovel.com.br\/noticias\/?p=13114"},"modified":"2026-10-26T12:10:06","modified_gmt":"2026-10-26T15:10:06","slug":"qual-renda-voce-precisa-para-financiar-um-imovel-de-900-mil","status":"publish","type":"post","link":"https:\/\/larya.com.br\/blog\/qual-renda-voce-precisa-para-financiar-um-imovel-de-900-mil\/","title":{"rendered":"Quanto Fica a Parcela de um Financiamento de 900 Mil? Renda e Simula\u00e7\u00e3o 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 financiamento de 900 mil? Simula\u00e7\u00e3o Real 2026\",\n  \"description\": \"Simula\u00e7\u00e3o completa do financiamento de R$900.000 em 2026. Caixa Econ\u00f4mica: R$8.800\/m\u00eas (SAC). Renda m\u00ednima: R$29.333. Comparamos 7 bancos com taxas atualizadas.\",\n  \"thumbnailUrl\": \"https:\/\/img.youtube.com\/vi\/m8gMOWdLINk\/hqdefault.jpg\",\n  \"uploadDate\": \"2026-04-24T10:00:00-03:00\",\n  \"duration\": \"PT3M00S\",\n  \"contentUrl\": \"https:\/\/youtube.com\/shorts\/m8gMOWdLINk\",\n  \"embedUrl\": \"https:\/\/www.youtube.com\/embed\/m8gMOWdLINk\",\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"LARYA\",\n    \"logo\": { \"@type\": \"ImageObject\", \"url\": \"https:\/\/larya.com.br\/static\/images\/logo.webp\" }\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 900 mil financiado?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Com entrada de 20% (R$180.000), a primeira parcela no sistema SAC \u00e9 de R$8.800 na Caixa Econ\u00f4mica (11,19% a.a.) em 2026. A diferen\u00e7a entre o melhor e o pior banco \u00e9 de R$555.840 em 30 anos.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qual a renda m\u00ednima para financiar im\u00f3vel de 900 mil?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A renda familiar bruta exigida \u00e9 de aproximadamente R$29.333 na Caixa Econ\u00f4mica (Tabela SAC, 360 meses) com entrada de 20%.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Posso usar FGTS em im\u00f3vel de 900 mil?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Sim. Im\u00f3veis de R$900.000 est\u00e3o dentro do teto SFH de R$2,25 milh\u00f5es em 2026, permitindo uso do FGTS para entrada, amortiza\u00e7\u00e3o ou pagamento parcial da parcela.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"SAC ou Price para financiar 900 mil?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A Tabela SAC \u00e9 sempre recomendada para valores acima de R$500.000. No SAC a parcela come\u00e7a mais alta mas cai todo m\u00eas \u2014 na Price a parcela \u00e9 fixa mas o saldo devedor demora muito mais para cair, gerando mais juros no total.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Article\",\n  \"headline\": \"Quanto Fica a Parcela de um Financiamento de 900 Mil? Renda e Simula\u00e7\u00e3o 2026\",\n  \"description\": \"Parcela de R$900 mil financiado come\u00e7a em R$8.800\/m\u00eas na Caixa (SAC). Veja renda exigida, FGTS e comparativo com 7 bancos em 2026.\",\n  \"author\": { \"@type\": \"Organization\", \"name\": \"LARYA Cr\u00e9dito Imobili\u00e1rio\" },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"LARYA\",\n    \"logo\": { \"@type\": \"ImageObject\", \"url\": \"https:\/\/larya.com.br\/static\/images\/logo.webp\" }\n  },\n  \"datePublished\": \"2025-01-15\",\n  \"dateModified\": \"2026-04-28\"\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;\">Para <strong>financiar um im\u00f3vel de R$900 mil<\/strong> com entrada padr\u00e3o de 20% (R$180 mil), a renda familiar bruta exigida pelos bancos gira em torno de <strong>R$25.000 a R$28.000<\/strong> mensais. Este valor varia conforme o sistema de amortiza\u00e7\u00e3o e a taxa do banco \u2014 atualmente a partir de 11,19% a.a. na Caixa. Com a Selic em <strong>13,75% a.a.<\/strong>, entender o CET real nunca foi t\u00e3o importante.<\/p>\n<\/div>\n<p>Comprar um im\u00f3vel de alto padr\u00e3o pr\u00f3ximo a R$1 milh\u00e3o \u00e9 um Abril financeiro. Em 2026, a boa not\u00edcia \u00e9 que im\u00f3veis de R$900 mil est\u00e3o confortavelmente dentro do <strong>Limite do SFH (R$2,25 milh\u00f5es)<\/strong> \u2014 garantindo acesso \u00e0s taxas de juros mais baixas do mercado e ao uso integral do FGTS.<\/p>\n<p><!-- CTA 1 \u2014 SIMULADOR HABITACIONAL --><\/p>\n<div style=\"width: 100%; text-align: center; margin: 50px 0;\"><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;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">SIMULAR FINANCIAMENTO DE R$900 MIL \u2192<br \/>\n<\/a><\/p>\n<p style=\"margin-top: 15px; font-size: 0.9rem; color: #666;\">Simula\u00e7\u00e3o gratuita em mais de 10 bancos simultaneamente.<\/p>\n<\/div>\n<p><!-- ENHANCEMENT 1 \u2014 CUSTO DE ESPERAR --><\/p>\n<div style=\"background-color: #fff3cd; border-left: 5px solid #ffc107; padding: 25px; margin: 40px 0; border-radius: 0 12px 12px 0;\">\n<h3 style=\"color: #633806; margin-top: 0; font-size: 1.3rem;\">&#x1f4c9; A Matem\u00e1tica Financeira: Vale a pena esperar a Selic cair?<\/h3>\n<p>Muitos compradores de alto padr\u00e3o pensam em adiar a compra de um im\u00f3vel de R$900 mil esperando os juros ca\u00edrem. Isso \u00e9 um erro matem\u00e1tico em 2026. Segundo o \u00edndice oficial <strong>IGMI-R da ABECIP<\/strong>, os im\u00f3veis residenciais valorizaram <strong>18,64% em 2025<\/strong>.<\/p>\n<p>O im\u00f3vel que custa R$900 mil hoje pode passar de R$1 milh\u00e3o no ano que vem. A economia que voc\u00ea faria com uma taxa de juros menor no futuro n\u00e3o cobre o aumento brutal no pre\u00e7o do im\u00f3vel hoje. A estrat\u00e9gia inteligente \u00e9: <strong>financie agora para travar o pre\u00e7o do im\u00f3vel<\/strong> e fa\u00e7a a <strong>Portabilidade de Cr\u00e9dito<\/strong> no futuro quando a Selic recuar \u2014 sem pagar ITBI novamente.<\/p>\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; O Cen\u00e1rio de R$900k (Agosto\/2026)<\/h3>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px;\">\n<div style=\"border-right: 1px solid #eee;\"><span style=\"display: block; font-size: 0.9rem; color: #666; font-weight: bold; text-transform: uppercase;\">Valor do Im\u00f3vel<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #041f30;\">R$ 900.000<\/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 M\u00ednima (20%)<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #fe1637;\">R$ 180.000<\/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 Ideal (SAC)<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #28a745;\">R$ 27.500+<\/span><\/div>\n<div><span style=\"display: block; font-size: 0.9rem; color: #666; font-weight: bold; text-transform: uppercase;\">Enquadramento<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #3a2fa3;\">SFH (Juro Menor)<\/span><\/div>\n<\/div>\n<p style=\"font-size: 0.8rem; color: #888; margin-top: 15px;\">*C\u00e1lculo baseado em comprometimento de renda de 30%. Selic: 13,75% a.a. (Setembro\/2026).<\/p>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 60px;\">Ranking Completo: Renda Exigida por Banco (Agosto\/2026)<\/h2>\n<p>Simula\u00e7\u00e3o baseada em um financiamento de <strong>R$720.000<\/strong> (80% de R$900k) pelo sistema <strong>SAC<\/strong> em 360 meses:<\/p>\n<div style=\"overflow-x: auto; margin: 30px 0; border-radius: 10px; border: 1px solid #ddd;\">\n<!-- LARYA_FIN_RATE_TABLE_START --><\/p>\n<h3>Ranking de taxas de financiamento imobili\u00e1rio (outubro\/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 outubro\/2026. Sujeitas a an\u00e1lise de cr\u00e9dito. Simule seu caso para valores exatos.<\/p>\n<p><!-- LARYA_FIN_RATE_TABLE_END -->\n<\/div>\n<p style=\"font-size: 0.85rem; color: #666;\"><em>*Valores estimados incluindo amortiza\u00e7\u00e3o + juros. Seguros (MIP\/DFI) podem variar conforme a idade do proponente. Fonte: LARYA Market Intelligence (Agosto\/2026).<\/em><\/p>\n<p style=\"font-size: 0.85rem; color: #666;\"><em>Na Tabela Price, a parcela inicial \u00e9 menor e a renda exigida cai para cerca de R$23.000 \u2014 mas o custo total de juros \u00e9 muito maior.<\/em><\/p>\n<div style=\"background-color: #041f30; color: white; padding: 15px; border-radius: 8px; margin: 20px 0; text-align: center;\"><strong style=\"font-size: 1.1rem;\">&#x1f4b8; Diferen\u00e7a entre Caixa e Inter: R$1.542\/m\u00eas = R$554.400 em 30 anos<\/strong><\/div>\n<div style=\"width: 100%; text-align: center; margin: 40px 0;\">\n<p style=\"margin-bottom: 15px; font-weight: bold; color: #041f30; font-size: 1.1rem;\">&#x1f4f9; Simula\u00e7\u00e3o ao vivo: quanto fica a parcela de 900 mil?<\/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 um financiamento de 900 mil? Simula\u00e7\u00e3o Real 2026\" src=\"https:\/\/www.youtube.com\/embed\/m8gMOWdLINk?rel=0&amp;modestbranding=1\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<\/div>\n<p><!-- CTA 2 \u2014 SIMULADOR 2026 --><\/p>\n<div style=\"width: 100%; text-align: center; margin: 40px 0;\"><a style=\"display: inline-block; background-color: #3a2fa3; color: white; padding: 16px 40px; border-radius: 50px; text-decoration: none; font-weight: 800; font-size: 1rem; box-shadow: 0 4px 10px rgba(58, 47, 163, 0.3);\" href=\"https:\/\/larya.com.br\/simulador-financiamento-2026\">COMPARAR BANCOS \u2014 SIMULADOR 2026 \u2192<\/a><\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">N\u00e3o tenho R$27 mil de renda. E agora?<\/h2>\n<p>Se a sua renda individual n\u00e3o atinge o valor exigido, existem duas estrat\u00e9gias poderosas:<\/p>\n<h3 style=\"color: #041f30; font-weight: bold; margin-top: 20px;\">1. Composi\u00e7\u00e3o de Renda<\/h3>\n<p>Os bancos permitem somar a renda de at\u00e9 4 pessoas \u2014 c\u00f4njuge, pais, filhos ou at\u00e9 amigos (dependendo do banco). Se voc\u00ea ganha R$15.000 e sua esposa ganha R$12.000, juntos somam R$27.000 e aprovam o cr\u00e9dito na Caixa.<\/p>\n<p><!-- ENHANCEMENT 2 \u2014 ARMADILHA DA IDADE --><\/p>\n<div style=\"background-color: #ffebee; border-left: 5px solid #c62828; padding: 20px; margin: 20px 0; border-radius: 0 8px 8px 0;\">\n<p><strong style=\"color: #a32d2d; font-size: 1rem;\">&#x26a0;&#xfe0f; Alerta LARYA sobre a Composi\u00e7\u00e3o de Renda:<\/strong><\/p>\n<p style=\"margin-top: 8px; margin-bottom: 0;\">Ao juntar renda com pais ou parentes mais velhos, tome muito cuidado. Os bancos calculam o prazo m\u00e1ximo do financiamento baseados na <strong>idade do comprador mais velho<\/strong>. A soma da idade + o prazo do contrato n\u00e3o pode ultrapassar 80 anos e 6 meses. Se voc\u00ea colocar um familiar de 65 anos na composi\u00e7\u00e3o, seu financiamento cair\u00e1 de 35 para 15 anos \u2014 a parcela vai explodir e o cr\u00e9dito ser\u00e1 reprovado. <strong>Escolha sempre parceiros de renda mais jovens!<\/strong><\/p>\n<\/div>\n<h3 style=\"color: #041f30; font-weight: bold; margin-top: 20px;\">2. Aumentar a Entrada (Uso do FGTS)<\/h3>\n<p>Quanto maior a entrada, menor o valor financiado e menor a renda exigida. Se voc\u00ea der R$300.000 de entrada (33%) em vez de R$180.000 (20%), a parcela cai drasticamente e a renda exigida pode baixar para a casa dos R$20.000.<\/p>\n<p>Como o im\u00f3vel custa R$900 mil (abaixo do teto de R$2,25 milh\u00f5es), voc\u00ea pode usar todo o seu saldo do <strong><a style=\"color: #3a2fa3; font-weight: bold;\" href=\"https:\/\/larya.com.br\/blog\/como-usar-fgts-para-financiamento-em-2026\/\">FGTS na entrada<\/a><\/strong>.<\/p>\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<\/a><\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">O &#8220;Custo Invis\u00edvel&#8221;: Prepare R$44 mil extras<\/h2>\n<p>Um erro cl\u00e1ssico de quem compra im\u00f3vel de R$900 mil \u00e9 esquecer a documenta\u00e7\u00e3o. Al\u00e9m da entrada, voc\u00ea precisa ter dinheiro vivo para:<\/p>\n<ul>\n<li style=\"margin-bottom: 10px;\"><strong>ITBI (Imposto de Transmiss\u00e3o):<\/strong> ~3% = R$27.000<\/li>\n<li style=\"margin-bottom: 10px;\"><strong>Registro em Cart\u00f3rio:<\/strong> ~1% a 1,5% = R$13.500<\/li>\n<li style=\"margin-bottom: 10px;\"><strong>Taxas Banc\u00e1rias:<\/strong> ~R$3.500<\/li>\n<\/ul>\n<p><strong>Total Extra: ~R$44.000.<\/strong><\/p>\n<div style=\"background-color: #e8f5e9; border-left: 5px solid #28a745; padding: 20px; margin: 20px 0; border-radius: 0 8px 8px 0;\">\n<p><strong style=\"color: #1b5e20;\">&#x1f4a1; Como aliviar esse custo:<\/strong><\/p>\n<ul style=\"margin-top: 10px; margin-bottom: 0;\">\n<li><strong>Direito de Lei:<\/strong> Primeira compra financiada pelo SFH? A <strong>Lei Federal 6.015\/73<\/strong> garante <strong>50% de desconto<\/strong> no registro em cart\u00f3rio. Exija por escrito no balc\u00e3o.<\/li>\n<li style=\"margin-top: 8px;\"><strong>Financiamento da Documenta\u00e7\u00e3o:<\/strong> Ita\u00fa, Santander e Bradesco permitem incluir at\u00e9 5% do valor do im\u00f3vel no financiamento para cobrir ITBI e Registro \u2014 diluindo esse custo ao longo de 30 anos.<\/li>\n<\/ul>\n<\/div>\n<p><!-- ENHANCEMENT 3 \u2014 VEREDITO BANCO --><\/p>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">O Veredito: Qual o melhor banco para R$900 mil em 2026?<\/h2>\n<p>A briga nesta faixa de valor est\u00e1 acirrada. A escolha certa depende do seu perfil:<\/p>\n<ul style=\"list-style: none; padding: 0;\">\n<li style=\"margin-bottom: 15px; padding: 15px; border-radius: 8px; background: #f9f9f9; border-left: 4px solid #28a745;\"><strong>Caixa (11,19%):<\/strong> Melhor taxa e menor custo total no longo prazo. O processo \u00e9 mais burocr\u00e1tico e exige paci\u00eancia \u2014 mas a economia de R$554 mil em rela\u00e7\u00e3o ao Inter faz valer cada dia de espera.<\/li>\n<li style=\"margin-bottom: 15px; padding: 15px; border-radius: 8px; background: #f9f9f9; border-left: 4px solid #fe1637;\"><strong>Ita\u00fa (11,60%):<\/strong> Campe\u00e3o na agilidade. Aprova o cr\u00e9dito digitalmente em horas. Se voc\u00ea precisa fechar neg\u00f3cio em 15 dias ou est\u00e1 comprando um im\u00f3vel de leil\u00e3o, \u00e9 a melhor op\u00e7\u00e3o entre os privados.<\/li>\n<li style=\"margin-bottom: 15px; padding: 15px; border-radius: 8px; background: #f9f9f9; border-left: 4px solid #3a2fa3;\"><strong>Santander (11,69%):<\/strong> O mais flex\u00edvel do mercado para composi\u00e7\u00e3o de renda \u2014 aceita entre amigos e s\u00f3cios sem exigir uni\u00e3o est\u00e1vel. Se voc\u00ea precisa compor renda com algu\u00e9m fora da fam\u00edlia, o Santander \u00e9 o caminho.<\/li>\n<\/ul>\n<p><!-- LARYA_BOX_START --><\/p>\n<div style=\"border:1px solid #e0e0e0;border-left:4px solid #3a2fa3;background:#f7f7fb;padding:22px 24px;margin:30px 0;border-radius:8px;font-family:Arial,sans-serif;\">\n<p style=\"margin:0 0 4px;font-weight:700;color:#3a2fa3;font-size:18px;\">Sobre a LARYA<\/p>\n<p style=\"margin:0 0 12px;font-size:13px;color:#666;font-weight:600;\">Correspondente Banc\u00e1rio Credenciado \u2014 S\u00e3o Paulo, SP<\/p>\n<p style=\"margin:0 0 16px;font-size:15px;line-height:1.65;color:#333;\">A LARYA \u00e9 um correspondente banc\u00e1rio credenciado especializado em cr\u00e9dito imobili\u00e1rio, com sede em S\u00e3o Paulo. Operamos com <strong>mais de 10 bancos e institui\u00e7\u00f5es parceiras<\/strong> \u2014 incluindo Caixa Econ\u00f4mica Federal, Ita\u00fa, Santander, Bradesco, Banco do Brasil, BRB e Inter \u2014 e submetemos a proposta de cada cliente simultaneamente em m\u00faltiplas institui\u00e7\u00f5es para buscar a menor taxa dispon\u00edvel para o perfil espec\u00edfico de cada pessoa. O servi\u00e7o de assessoria \u00e9 gratuito para o comprador: nossa remunera\u00e7\u00e3o vem dos bancos parceiros, sem custos ocultos. J\u00e1 s\u00e3o <strong>mais de 100 fam\u00edlias financiadas em 2026<\/strong>.<\/p>\n<table style=\"width:100%;border-collapse:collapse;text-align:center;margin:0 0 16px;\">\n<tr>\n<td style=\"padding:10px;border:1px solid #eee;\"><span style=\"display:block;font-size:20px;font-weight:700;color:#3a2fa3;\">10+<\/span><span style=\"font-size:12px;color:#666;\">Bancos e institui\u00e7\u00f5es<\/span><\/td>\n<td style=\"padding:10px;border:1px solid #eee;\"><span style=\"display:block;font-size:20px;font-weight:700;color:#3a2fa3;\">+100<\/span><span style=\"font-size:12px;color:#666;\">Fam\u00edlias financiadas em 2026<\/span><\/td>\n<td style=\"padding:10px;border:1px solid #eee;\"><span style=\"display:block;font-size:20px;font-weight:700;color:#3a2fa3;\">R$ 0<\/span><span style=\"font-size:12px;color:#666;\">Custo para o cliente<\/span><\/td>\n<td style=\"padding:10px;border:1px solid #eee;\"><span style=\"display:block;font-size:20px;font-weight:700;color:#3a2fa3;\">30\u201345d<\/span><span style=\"font-size:12px;color:#666;\">Prazo m\u00e9dio de aprova\u00e7\u00e3o<\/span><\/td>\n<\/tr>\n<\/table>\n<p style=\"margin:0;\">\n<a href=\"https:\/\/larya.com.br\/simulador-de-financiamento-imobiliario\" style=\"display:inline-block;background:#3a2fa3;color:#fff;padding:12px 22px;border-radius:6px;text-decoration:none;font-weight:600;margin-right:10px;\">Simular meu financiamento \u2192<\/a><br \/>\n<a href=\"https:\/\/wa.me\/5511936232107\" style=\"display:inline-block;background:#25D366;color:#fff;padding:12px 22px;border-radius:6px;text-decoration:none;font-weight:600;\">&#x1f4ac; Falar com especialista<\/a>\n<\/p>\n<\/div>\n<p><!-- LARYA_BOX_END --><\/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 um financiamento de 900 mil?<\/h3>\n<p>Com entrada de 20% (financiando R$720 mil), a primeira parcela no sistema SAC fica entre R$8.285 (Caixa) e R$9.827 (Inter) em Abril de 2026.<\/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% do im\u00f3vel de 900 mil?<\/h3>\n<p>Geralmente n\u00e3o. A maioria dos bancos exige no m\u00ednimo 10% a 20% de entrada. Apenas em casos de im\u00f3veis retomados (leil\u00e3o) \u00e9 poss\u00edvel financiar at\u00e9 95% ou 100%.<\/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;\">\u00c9 melhor comprar agora ou esperar a Selic cair?<\/h3>\n<p>Especialistas da LARYA recomendam <strong>comprar agora<\/strong>. A valoriza\u00e7\u00e3o dos im\u00f3veis (IGMI-R +18,64% em 2025) supera a economia de juros da espera. Voc\u00ea garante o pre\u00e7o hoje e faz a Portabilidade de Cr\u00e9dito quando a Selic cair.<\/p>\n<\/div>\n<p><!-- CTA 3 \u2014 3 SIMULADORES + HOMEPAGE --><\/p>\n<div style=\"margin-top: 40px; padding: 30px; background-color: #fafafa; border-radius: 12px; border: 1px solid #eee;\">\n<h3 style=\"font-size: 1.3rem; color: #333; margin-bottom: 20px; text-align: center;\"><strong>Simule agora \u2014 escolha o melhor caminho:<\/strong><\/h3>\n<ul style=\"list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 15px;\">\n<li><a style=\"color: #fff; background-color: #fe1637; text-decoration: none; padding: 14px 20px; border-radius: 8px; display: block; font-weight: bold; text-align: center;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">&#x1f3e0; Simulador Habitacional LARYA<\/a><\/li>\n<li><a style=\"color: #fff; background-color: #3a2fa3; text-decoration: none; padding: 14px 20px; border-radius: 8px; display: block; font-weight: bold; text-align: center;\" href=\"https:\/\/larya.com.br\/simulador-financiamento-2026\">&#x1f4c8; Simulador Financiamento 2026<\/a><\/li>\n<li><a style=\"color: #fff; background-color: #041f30; text-decoration: none; padding: 14px 20px; border-radius: 8px; display: block; font-weight: bold; text-align: center;\" href=\"https:\/\/larya.com.br\">&#x1f50e; Conhe\u00e7a a LARYA<\/a><\/li>\n<\/ul>\n<\/div>\n<div style=\"background-color: #25d366; color: white; padding: 20px; border-radius: 50px; text-align: center; margin: 40px 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&#038;text=Ol%C3%A1%2C+vim+pelo+blog+LARYA&#038;type=phone_number&#038;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\" \/> Falar com Especialista no WhatsApp<br \/>\n<\/a><\/div>\n<div style=\"margin-top: 40px; background-color: #fafafa; padding: 30px; border-radius: 12px; border-top: 1px solid #eee;\">\n<h3 style=\"font-size: 1.3rem; color: #333; margin-bottom: 25px;\"><strong>Guias de Renda por Valor de Im\u00f3vel:<\/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-700-mil\/\">Financiar im\u00f3vel de R$700 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-1-milhao\/\">Financiar im\u00f3vel de R$1 milh\u00e3o<\/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-1-ponto-3-milhao\/\">Financiar im\u00f3vel de R$1.3 milh\u00e3o<\/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<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;13114&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;12&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 - (12 votos)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Quanto Fica a Parcela de um Financiamento de 900 Mil? Renda e Simula\u00e7\u00e3o 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;}'><\/p>\n<div class=\"kksr-stars\">\n<div class=\"kksr-stars-inactive\">\n<div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/p><\/div>\n<div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/p><\/div>\n<div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/p><\/div>\n<div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/p><\/div>\n<div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/p><\/div>\n<\/p><\/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<\/p><\/div>\n<div class=\"kksr-star\" style=\"padding-right: 3px\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/p><\/div>\n<div class=\"kksr-star\" style=\"padding-right: 3px\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/p><\/div>\n<div class=\"kksr-star\" style=\"padding-right: 3px\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/p><\/div>\n<div class=\"kksr-star\" style=\"padding-right: 3px\">\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<div class=\"kksr-legend\" style=\"font-size: 20.8px;\">\n            5\/5 &#8211; (12 votos)    <\/div>\n<\/p><\/div>\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;13114&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;12&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 - (12 votos)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Quanto Fica a Parcela de um Financiamento de 900 Mil? Renda e Simula\u00e7\u00e3o 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 - (12 votos)    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Para financiar um im\u00f3vel de R$900 mil com entrada padr\u00e3o de 20% (R$180 mil), a renda familiar bruta exigida pelos bancos gira em torno de R$25.000 a R$28.000 mensais. Este valor varia conforme o sistema de amortiza\u00e7\u00e3o e a taxa do banco \u2014 atualmente a partir de 11,19% a.a. na Caixa. Com a Selic em&#8230;<\/p>\n","protected":false},"author":50,"featured_media":17995,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2513],"tags":[3280,3282,3278,3277,968,3279,2787,2795,3281,2676,4022,3276,2792,2789,4266],"class_list":["post-13114","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiamento-imobiliario","tag-900-mil-reais","tag-900-mil-rende-quanto-por-mes","tag-financiamento-900-mil","tag-financiamento-de-900-mil","tag-financiamento-imobiliario","tag-financiamento-imovel-900-mil","tag-financiar-um-imovel","tag-financiar-um-imovel-de-r900-mil","tag-juros-de-900-mil","tag-larya","tag-quanto-900-mil-rende-por-mes","tag-quanto-fica-a-parcela-de-um-financiamento-de-900-mil","tag-simulador-de-financiamento","tag-simulador-de-financiamento-imobiliario","tag-tabela-de-renda"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Financiar R$ 900 mil em 2026: veja parcela, renda, entrada e prazo por modalidade. 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