{"id":13121,"date":"2026-05-04T09:45:28","date_gmt":"2026-05-04T12:45:28","guid":{"rendered":"https:\/\/www.agenteimovel.com.br\/noticias\/?p=13121"},"modified":"2026-05-04T15:09:52","modified_gmt":"2026-05-04T18:09:52","slug":"qual-renda-voce-precisa-para-financiar-um-imovel-de-700-mil","status":"publish","type":"post","link":"https:\/\/larya.com.br\/blog\/qual-renda-voce-precisa-para-financiar-um-imovel-de-700-mil\/","title":{"rendered":"Quanto fica a parcela de financiamento de 700 mil?"},"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 700 mil? Simula\u00e7\u00e3o Real 2026\",\n  \"description\": \"Simula\u00e7\u00e3o completa do financiamento de R$700.000 em 2026. Caixa Econ\u00f4mica: R$6.840\/m\u00eas (SAC). Renda m\u00ednima: R$22.800. Comparamos 7 bancos com taxas atualizadas.\",\n  \"thumbnailUrl\": \"https:\/\/img.youtube.com\/vi\/o2PFTm_XA7w\/hqdefault.jpg\",\n  \"uploadDate\": \"2026-04-24T10:00:00-03:00\",\n  \"duration\": \"PT2M57S\",\n  \"contentUrl\": \"https:\/\/youtube.com\/shorts\/o2PFTm_XA7w\",\n  \"embedUrl\": \"https:\/\/www.youtube.com\/embed\/o2PFTm_XA7w\",\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<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 700 mil financiado?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Com entrada de 20% (R$140.000), a primeira parcela no sistema SAC \u00e9 de R$6.840 na Caixa Econ\u00f4mica (11,19% a.a.) em 2026. A diferen\u00e7a entre o melhor e o pior banco \u00e9 de R$432.000 em 30 anos.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qual a renda m\u00ednima para financiar im\u00f3vel de 700 mil?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A renda familiar bruta exigida \u00e9 de aproximadamente R$22.800 na Caixa Econ\u00f4mica (Tabela SAC). A renda pode ser composta por at\u00e9 4 pessoas.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Posso usar FGTS em im\u00f3vel de 700 mil?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Sim. Im\u00f3veis de R$700.000 est\u00e3o dentro do teto SFH de R$2,25 milh\u00f5es em 2026. Voc\u00ea pode usar o FGTS para entrada, amortiza\u00e7\u00e3o ou pagamento de at\u00e9 80% da parcela.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quanto preciso ganhar para financiar um im\u00f3vel de 700 mil?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A renda bruta familiar m\u00ednima \u00e9 de R$22.800 com entrada de 20%. Com composi\u00e7\u00e3o de renda de duas pessoas, \u00e9 poss\u00edvel aprovar com renda individual menor.\"\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 700 Mil? Renda e Simula\u00e7\u00e3o 2026\",\n  \"description\": \"Parcela de R$700 mil financiado come\u00e7a em R$6.840\/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\/logo.png\" }\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;\"><strong>Quanto fica a parcela de um financiamento de 700 mil em 2026?<\/strong><br \/>\nCom entrada padr\u00e3o de 20% (R$140 mil), a primeira parcela no sistema SAC (Caixa Econ\u00f4mica) gira em torno de <strong>R$ 6.840,00<\/strong> considerando a taxa de 11,19% a.a. + TR. A renda familiar bruta exigida varia entre <strong>R$ 18.000,00 e R$ 22.800,00<\/strong> dependendo da tabela e do banco escolhido.<\/p>\n<\/div>\n<p>Adquirir um im\u00f3vel de R$700 mil \u00e9 um Maiol financeiro que geralmente representa um <em>upgrade<\/em> de moradia: sair de um apartamento compacto para um de 3 quartos ou migrar para uma casa em condom\u00ednio. \u00c9 o momento em que o patrim\u00f4nio se consolida.<\/p>\n<p>Por\u00e9m, financiar R$560 mil (considerando 20% de entrada) exige precis\u00e3o. Com a Selic em <strong>14,5% a.a.<\/strong>, uma diferen\u00e7a de 0,5% na taxa de juros pode custar um carro zero km ao longo do contrato. Neste guia, a LARYA disseca a matem\u00e1tica financeira para voc\u00ea aprovar seu cr\u00e9dito com seguran\u00e7a.<\/p>\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$700k (Maio\/2026)<\/h3>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px;\">\n<div style=\"border-right: 1px solid #eee;\"><span style=\"display: block; font-size: 0.9rem; color: #666; font-weight: bold; text-transform: uppercase;\">Valor do Im\u00f3vel<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #041f30;\">R$ 700.000<\/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$ 140.000<\/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$ 22.800+<\/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;\">*Simula\u00e7\u00e3o considerando comprometimento de renda de 30%. Selic atual: 14,75% a.a. (Maio\/ 2026).<\/p>\n<\/div>\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\">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 em 7 bancos simultaneamente.<\/p>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 60px;\">Ranking Completo: Parcela e Renda Exigida por Banco (Maio\/2026)<\/h2>\n<p>Simula\u00e7\u00e3o baseada em um financiamento de <strong>R$560.000,00<\/strong> (80% de R$700k) pelo sistema <strong>SAC<\/strong> em 360 meses:<\/p>\n<div style=\"overflow-x: auto; margin: 30px 0; border-radius: 10px; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: collapse; min-width: 700px;\">\n<thead>\n<tr style=\"background-color: #041f30; color: white;\">\n<th style=\"padding: 15px; text-align: left;\">Ranking<\/th>\n<th style=\"padding: 15px; text-align: left;\">Banco<\/th>\n<th style=\"padding: 15px; text-align: center;\">Taxa (a.a.)<\/th>\n<th style=\"padding: 15px; text-align: center;\">1\u00aa Parcela (SAC)*<\/th>\n<th style=\"padding: 15px; text-align: center;\">Renda M\u00ednima (30%)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #e8f5e9; border-left: 5px solid #28a745;\">\n<td style=\"padding: 15px; font-weight: bold; color: #28a745;\">#1 &#x1f3c6;<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">Caixa Econ\u00f4mica<\/td>\n<td style=\"padding: 15px; text-align: center; font-weight: bold;\">11,19%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 6.840,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #041f30; font-weight: 800;\">R$ 22.800,00<\/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$ 6.920,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 23.066,00<\/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$ 7.032,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 23.440,00<\/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$ 7.074,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 23.580,00<\/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$ 7.079,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 23.596,00<\/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$ 7.219,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 24.063,00<\/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$ 8.040,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #c62828; font-weight: 800;\">R$ 26.800,00<\/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. Seguros (MIP\/DFI) podem alterar levemente a parcela final. Fonte: LARYA Market Intelligence (Maio\/2026).<\/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$ 1.200\/m\u00eas = R$ 432.000 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 700 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 700 mil? Simula\u00e7\u00e3o Real 2026\" src=\"https:\/\/www.youtube.com\/embed\/o2PFTm_XA7w?rel=0&amp;modestbranding=1\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">Estrat\u00e9gia: Como comprovar R$ 22.800 de Renda?<\/h2>\n<p>Se voc\u00ea n\u00e3o atinge a renda individual exigida, a solu\u00e7\u00e3o mais eficaz \u00e9 a <strong>Composi\u00e7\u00e3o de Renda<\/strong>. Bancos como a Caixa e Santander aceitam somar a renda de at\u00e9 4 pessoas.<\/p>\n<p><strong>Cen\u00e1rio de Aprova\u00e7\u00e3o (Exemplo Real):<\/strong><\/p>\n<ul>\n<li><strong>Proponente A (Principal):<\/strong> Renda de R$ 13.000,00<\/li>\n<li><strong>Proponente B (C\u00f4njuge\/Parente):<\/strong> Renda de R$ 10.000,00<\/li>\n<li><strong>Total:<\/strong> R$ 23.000,00 &#x2705; Aprovado na Caixa e Ita\u00fa<\/li>\n<\/ul>\n<p><strong>Dica LARYA:<\/strong> Se a renda composta for suficiente apenas para a Tabela Price (que exige menos renda inicial, aprox. R$18.000), cuidado \u2014 o saldo devedor cai muito devagar. Prefira sempre a SAC se poss\u00edvel.<\/p>\n<div style=\"width: 100%; text-align: center; margin: 40px 0;\"><a style=\"display: inline-block; background-color: #041f30; color: white; padding: 16px 40px; border-radius: 50px; text-decoration: none; font-weight: 800; font-size: 1rem; box-shadow: 0 4px 10px rgba(4, 31, 48, 0.3);\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">SIMULAR COM COMPOSI\u00c7\u00c3O DE RENDA \u2192<br \/>\n<\/a><\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">O &#8220;Susto&#8221; da Escritura: Prepare R$ 35 Mil<\/h2>\n<p>Um erro comum ao comprar um im\u00f3vel de R$700 mil \u00e9 gastar toda a liquidez na entrada. Voc\u00ea precisa de dinheiro vivo para a documenta\u00e7\u00e3o de transfer\u00eancia \u2014 o banco n\u00e3o financia isso na maioria dos casos.<\/p>\n<ul>\n<li><strong>ITBI (Imposto):<\/strong> ~3% = R$ 21.000<\/li>\n<li><strong>Registro em Cart\u00f3rio:<\/strong> ~1,5% = R$ 10.500<\/li>\n<li><strong>Taxas Banc\u00e1rias:<\/strong> ~R$ 3.500<\/li>\n<\/ul>\n<p><strong>Total Extra Necess\u00e1rio: ~R$ 35.000,00.<\/strong> Planeje essa reserva separada da entrada.<\/p>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">Vantagem: Teto SFH e FGTS<\/h2>\n<p>A melhor not\u00edcia para quem compra um im\u00f3vel de R$700 mil em 2026 \u00e9 que ele est\u00e1 confortavelmente dentro do <strong>Teto do SFH (R$2,25 milh\u00f5es)<\/strong>. Mesmo com a Selic em 14,5% a.a., as taxas do SFH s\u00e3o subsidiadas \u2014 bem abaixo do mercado livre.<\/p>\n<p>Isso garante acesso \u00e0s taxas reguladas e permite o uso integral do <strong>FGTS<\/strong>:<\/p>\n<ul>\n<li>Pagar parte da entrada de R$140 mil<\/li>\n<li>Amortizar o saldo devedor a cada 2 anos \u2014 sempre escolhendo reduzir o prazo<\/li>\n<li>Pagar at\u00e9 80% da parcela em caso de aperto financeiro tempor\u00e1rio<\/li>\n<\/ul>\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 700 mil financiado?<\/h3>\n<p>Financiando 80% (R$560 mil), a primeira parcela no sistema SAC fica entre R$6.840 (Caixa) e R$8.040 (Inter) em Maio de 2026. Na Tabela Price, a parcela inicial \u00e9 menor \u2014 cerca de R$5.600 na Caixa.<\/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;\">Qual a renda m\u00ednima para im\u00f3vel de 700 mil?<\/h3>\n<p>A renda familiar bruta exigida \u00e9 de aproximadamente R$22.800 na Caixa (Tabela SAC). Na Tabela Price, a exig\u00eancia cai para cerca de R$18.000, facilitando a aprova\u00e7\u00e3o para quem tem renda mais apertada.<\/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 usar FGTS em im\u00f3vel de 700 mil?<\/h3>\n<p>Sim. Como R$700 mil est\u00e1 abaixo do teto do SFH (R$2,25 milh\u00f5es), o uso do FGTS \u00e9 permitido para entrada, amortiza\u00e7\u00e3o a cada 2 anos e pagamento de parcelas.<\/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;\">Quanto preciso ganhar para financiar um im\u00f3vel de 700 mil?<\/h3>\n<p>Para a Tabela SAC na Caixa, a renda m\u00ednima \u00e9 de R$22.800 brutos. \u00c9 poss\u00edvel compor renda com c\u00f4njuge, parentes ou amigos \u2014 a Caixa e o Santander aceitam at\u00e9 4 proponentes.<\/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);\"><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=5511935034854&amp;text=Quero%20simular%20financiamento%20de%20700%20mil&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\" \/> Falar com Especialista no WhatsApp<br \/>\n<\/a><\/div>\n<div style=\"margin-top: 80px; 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 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\/qual-renda-voce-precisa-para-financiar-um-imovel-de-900-mil\/\">Financiar im\u00f3vel de R$900 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\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;13121&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 financiamento de 700 mil?&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<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>Quanto fica a parcela de um financiamento de 700 mil em 2026? Com entrada padr\u00e3o de 20% (R$140 mil), a primeira parcela no sistema SAC (Caixa Econ\u00f4mica) gira em torno de R$ 6.840,00 considerando a taxa de 11,19% a.a. + TR. A renda familiar bruta exigida varia entre R$ 18.000,00 e R$ 22.800,00 dependendo da&#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":18101,"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":[2783,3263,3177,3264,3261,2778,968,4019,2786,2676,2785,3262,3260,3265,2781],"class_list":["post-13121","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiamento-imobiliario","tag-entrada","tag-financiamento-700-mil","tag-financiamento-700-mil-caixa","tag-financiamento-de-700-mil","tag-financiamento-de-700-mil-valor-da-parcela","tag-financiamento-de-imovel","tag-financiamento-imobiliario","tag-financiamento-imobiliario-700-mil","tag-juros","tag-larya","tag-parcelamento","tag-qual-a-renda-para-financiar-um-imovel-de-700-mil","tag-quanto-fica-a-parcela-de-um-financiamento-de-700-mil","tag-quanto-fica-a-parcela-de-um-financiamento-de-700-mil-pela-caixa","tag-renda-necessaria"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/larya.com.br\/blog\/wp-content\/uploads\/2026\/04\/Capa-13.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/13121","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=13121"}],"version-history":[{"count":8,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/13121\/revisions"}],"predecessor-version":[{"id":18103,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/13121\/revisions\/18103"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media\/18101"}],"wp:attachment":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media?parent=13121"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/categories?post=13121"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/tags?post=13121"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}