{"id":16549,"date":"2026-03-26T18:36:19","date_gmt":"2026-03-26T21:36:19","guid":{"rendered":"https:\/\/larya.com.br\/blog\/?p=16549"},"modified":"2026-03-27T11:26:16","modified_gmt":"2026-03-27T14:26:16","slug":"guia-completo-como-financiar-construcao-em-terreno-proprio","status":"publish","type":"post","link":"https:\/\/larya.com.br\/blog\/guia-completo-como-financiar-construcao-em-terreno-proprio\/","title":{"rendered":"Financiar Constru\u00e7\u00e3o em Terreno Pr\u00f3prio: Use seu Lote como Entrada (2026)"},"content":{"rendered":"<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"VideoObject\",\n  \"name\": \"Como funciona financiamento para constru\u00e7\u00e3o em terreno pr\u00f3prio?\",\n  \"description\": \"Entenda como funciona o financiamento da Caixa para constru\u00e7\u00e3o em terreno pr\u00f3prio em 2026: como o banco libera o valor por etapas, como fazer a simula\u00e7\u00e3o e como usar o FGTS para construir.\",\n  \"thumbnailUrl\": \"https:\/\/img.youtube.com\/vi\/bXch5MO-d4k\/hqdefault.jpg\",\n  \"uploadDate\": \"2026-03-26T10:00:00-03:00\",\n  \"duration\": \"PT1M45S\",\n  \"contentUrl\": \"https:\/\/youtube.com\/shorts\/bXch5MO-d4k\",\n  \"embedUrl\": \"https:\/\/www.youtube.com\/embed\/bXch5MO-d4k\",\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"LARYA\",\n    \"logo\": { \"@type\": \"ImageObject\", \"url\": \"https:\/\/larya.com.br\/logo.png\" }\n  }\n}\n<\/script><\/p>\n<div style=\"font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; color: #333; line-height: 1.8; font-size: 17px; width: 100%;\">\n<div style=\"background-color: #e8f5e9; padding: 25px; border-left: 5px solid #2e7d32; margin-bottom: 40px;\">\n<p style=\"margin: 0; font-weight: 500; font-size: 1.15rem;\"><strong>O que muda na Constru\u00e7\u00e3o em Terreno Pr\u00f3prio em 2026?<\/strong><br \/>\nA Caixa Econ\u00f4mica Federal retomou a linha de cr\u00e9dito para constru\u00e7\u00e3o de im\u00f3veis avaliados <strong>acima de R$ 2,25 milh\u00f5es<\/strong> (modalidade SFI), que havia sido suspensa desde novembro de 2024. A novidade, impulsionada pela COP30, \u00e9 a exig\u00eancia de contrapartidas ambientais (efici\u00eancia energ\u00e9tica e gest\u00e3o de res\u00edduos) para aprovar o cr\u00e9dito. Para im\u00f3veis at\u00e9 R$ 2,25 milh\u00f5es, seguem valendo as regras vantajosas do SFH com juros a partir de <strong>11,19% a.a.<\/strong> \u2014 muito abaixo da Selic atual de <strong>14,75% a.a.<\/strong><\/p>\n<\/div>\n<p>Construir a casa pr\u00f3pria sempre foi a estrat\u00e9gia mais inteligente para quem busca patrim\u00f4nio (equity). Por\u00e9m, no \u00faltimo ano, o mercado de alto padr\u00e3o sofreu com a suspens\u00e3o de linhas de cr\u00e9dito da Caixa. <strong>Essa trava acabou em 2026.<\/strong><\/p>\n<p>Neste dossi\u00ea completo, a <strong>LARYA<\/strong> detalha como funciona a modalidade &#8220;Constru\u00e7\u00e3o em Terreno Pr\u00f3prio&#8221;, como usar seu lote como entrada e, principalmente, como navegar pelas novas exig\u00eancias ambientais para aprovar sua obra.<\/p>\n<div style=\"background-color: #fff; border: 1px solid #e0e0e0; border-radius: 12px; 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: #fe1637; font-size: 1.3rem; display: flex; align-items: center;\"><span style=\"background: #fe1637; color: white; font-size: 0.8rem; padding: 3px 8px; border-radius: 4px; margin-right: 10px;\">PLANT\u00c3O<\/span><br \/>\nRetomada do Cr\u00e9dito SFI \u2014 Mar\u00e7o\/2026<\/h3>\n<p>Segundo reportagem do <em>Valor Econ\u00f4mico<\/em> (Nov\/2025), a Caixa voltou a aceitar propostas para im\u00f3veis acima do teto do SFH (R$ 2,25 mi). O movimento acontece em meio aos preparativos do Brasil para a <strong>COP30<\/strong>, prevista para novembro de 2026 em Bel\u00e9m.<\/p>\n<ul style=\"margin-top: 15px;\">\n<li><strong>A oportunidade:<\/strong> Financiamento de at\u00e9 80% do valor total (obra + terreno) para im\u00f3veis de R$ 3 mi, R$ 5 mi ou mais.<\/li>\n<li><strong>O requisito novo:<\/strong> Projetos com reaproveitamento de \u00e1gua, energia solar e materiais certificados t\u00eam prioridade na fila de an\u00e1lise da Caixa.<\/li>\n<\/ul>\n<p style=\"font-size: 0.9rem; color: #666; margin-top: 15px;\"><em>Fonte: Valor Econ\u00f4mico, 14\/11\/2025.<\/em><\/p>\n<\/div>\n<div style=\"width: 100%; text-align: center; margin: 50px 0;\"><a style=\"background-color: #041f30; color: #ffffff; padding: 18px 45px; text-decoration: none; border-radius: 50px; font-weight: 800; font-family: 'Montserrat', sans-serif; font-size: 1.1rem; box-shadow: 0 4px 15px rgba(4, 31, 48, 0.4); display: inline-block;\" href=\"https:\/\/larya.com.br\/construcao-terreno-proprio\">SIMULAR FINANCIAMENTO DE CONSTRU\u00c7\u00c3O \u2192<br \/>\n<\/a><\/div>\n<p style=\"margin-top: 15px; font-size: 0.9rem; color: #666;\">Verifique se seu projeto e renda se enquadram nas regras de 2026.<\/p>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 60px;\">Como funciona a &#8220;Constru\u00e7\u00e3o em Terreno Pr\u00f3prio&#8221;?<\/h2>\n<p>Nessa modalidade, a Caixa n\u00e3o entrega o dinheiro \u00e0 vista. Ela financia a <strong>execu\u00e7\u00e3o da obra por etapas<\/strong>, liberando os recursos conforme o engenheiro credenciado atesta o avan\u00e7o f\u00edsico da constru\u00e7\u00e3o \u2014 o chamado sistema de reembolso por medi\u00e7\u00e3o.<\/p>\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; Veja como funciona na pr\u00e1tica:<\/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=\"Como funciona financiamento para constru\u00e7\u00e3o em terreno pr\u00f3prio?\" src=\"https:\/\/www.youtube.com\/embed\/bXch5MO-d4k?rel=0&amp;modestbranding=1\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<\/div>\n<h3 style=\"color: #041f30; font-weight: bold; margin-top: 25px;\">O grande trunfo: o terreno como entrada<\/h3>\n<p>A maior barreira para financiar um im\u00f3vel \u00e9 a entrada (geralmente 20%). Na constru\u00e7\u00e3o em terreno pr\u00f3prio, voc\u00ea pode eliminar essa barreira. Se voc\u00ea j\u00e1 tem o terreno quitado e escriturado em seu nome, <strong>o valor do lote conta como a sua entrada<\/strong> (Recursos Pr\u00f3prios) no contrato de financiamento.<\/p>\n<div style=\"background-color: #e3f2fd; border: 1px solid #bbdefb; border-radius: 12px; padding: 25px; margin: 30px 0; text-align: center;\"><strong style=\"color: #0d47a1; font-size: 1.2rem;\">A Matem\u00e1tica da Aprova\u00e7\u00e3o:<\/strong><\/p>\n<p style=\"margin: 15px 0;\">Valor Final (Casa Pronta) = <span style=\"font-weight: bold;\">R$ 3.000.000<\/span><br \/>\nCusto da Obra = <span style=\"color: #c62828; font-weight: bold;\">R$ 2.000.000<\/span><br \/>\nValor do Terreno (sua entrada) = <span style=\"color: #2e7d32; font-weight: bold;\">R$ 1.000.000<\/span><\/p>\n<p style=\"font-size: 0.95rem; color: #555;\">O terreno representa 33% do valor total \u2014 acima dos 20% exigidos. Resultado: a Caixa financia <strong>100% da obra<\/strong> (R$ 2 mi). Voc\u00ea n\u00e3o precisa de nenhum recurso adicional para come\u00e7ar.<\/p>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">Por que a Caixa aceita financiar algo que ainda n\u00e3o existe?<\/h2>\n<p>Pode parecer estranho o banco emprestar dinheiro para uma obra que ainda n\u00e3o existe. A resposta est\u00e1 na <strong>Aliena\u00e7\u00e3o Fiduci\u00e1ria<\/strong> \u2014 o instrumento jur\u00eddico que sustenta o cr\u00e9dito imobili\u00e1rio brasileiro, conforme analisado nos estudos da <strong>ABECIP<\/strong>.<\/p>\n<p>Ao assinar o contrato, voc\u00ea transfere fiduciariamente a propriedade do terreno para a Caixa. O lote passa a ser a garantia real da opera\u00e7\u00e3o, dando ao banco seguran\u00e7a jur\u00eddica para oferecer taxas competitivas (funding SBPE, bem abaixo da Selic de 14,75% a.a.) e prazos de at\u00e9 35 anos \u2014 mesmo antes do primeiro tijolo ser assentado.<\/p>\n<p>Al\u00e9m da seguran\u00e7a jur\u00eddica, clientes que financiam uma obra de 3 a 5 anos se tornam correntistas cativos da Caixa por todo esse per\u00edodo \u2014 o que representa um instrumento estrat\u00e9gico de fideliza\u00e7\u00e3o e capta\u00e7\u00e3o de clientes de alta renda.<\/p>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">Passo a Passo: Do Projeto \u00e0 Entrega das Chaves<\/h2>\n<p>O processo \u00e9 t\u00e9cnico e exige precis\u00e3o. Um erro na Planilha PCI pode travar sua obra por meses. Veja como a LARYA conduz cada etapa:<\/p>\n<ul style=\"list-style: none; padding: 0;\">\n<li style=\"margin-bottom: 25px; padding-left: 20px; border-left: 4px solid #041f30;\"><strong>1. Simula\u00e7\u00e3o e Aprova\u00e7\u00e3o de Cr\u00e9dito<\/strong><br \/>\nAntes de contratar o arquiteto, rodamos sua an\u00e1lise de cr\u00e9dito para saber o teto do seu financiamento. Verificamos se voc\u00ea se enquadra no SFH (at\u00e9 R$ 2,25 mi) ou SFI (acima) e quais bancos t\u00eam as melhores condi\u00e7\u00f5es para o seu perfil.<\/li>\n<li style=\"margin-bottom: 25px; padding-left: 20px; border-left: 4px solid #041f30;\"><strong>2. Projetos e Alvar\u00e1<\/strong><br \/>\nVoc\u00ea precisa ter o Projeto Arquitet\u00f4nico aprovado na Prefeitura e o Alvar\u00e1 de Constru\u00e7\u00e3o emitido. Projetos complementares (el\u00e9trica, hidr\u00e1ulica e estrutural) s\u00e3o recomendados \u2014 eles evitam surpresas no or\u00e7amento e agilizam a an\u00e1lise t\u00e9cnica do banco.<\/li>\n<li style=\"margin-bottom: 25px; padding-left: 20px; border-left: 4px solid #041f30;\"><strong>3. A Planilha PCI \u2014 o cora\u00e7\u00e3o da obra<\/strong><br \/>\nPreenchemos juntos a Proposta de Constru\u00e7\u00e3o Individual, definindo o Cronograma F\u00edsico-Financeiro. Exemplo: &#8220;M\u00eas 1 \u2014 Funda\u00e7\u00e3o (5%) = Libera R$ 50 mil&#8221;. Erros nessa planilha s\u00e3o a principal causa de atrasos na libera\u00e7\u00e3o dos recursos.<\/li>\n<li style=\"margin-bottom: 25px; padding-left: 20px; border-left: 4px solid #041f30;\"><strong>4. Execu\u00e7\u00e3o e Medi\u00e7\u00e3o<\/strong><br \/>\nVoc\u00ea executa a etapa. O engenheiro credenciado da Caixa visita a obra, atesta o avan\u00e7o f\u00edsico e o banco deposita o valor daquela fase na sua conta em at\u00e9 5 dias \u00fateis. O ciclo se repete at\u00e9 a conclus\u00e3o e emiss\u00e3o do Habite-se.<\/li>\n<\/ul>\n<h2 style=\"color: #041f30; font-weight: 800; margin-top: 50px;\">Documenta\u00e7\u00e3o: O que a Caixa exige em 2026?<\/h2>\n<p>Al\u00e9m dos documentos pessoais (RG, CPF, \u00faltima declara\u00e7\u00e3o de IR, comprovantes de renda), a documenta\u00e7\u00e3o do im\u00f3vel e da obra \u00e9 o ponto mais cr\u00edtico. Uma matr\u00edcula com pend\u00eancia ou um alvar\u00e1 vencido pode suspender toda a opera\u00e7\u00e3o.<\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 20px; margin-top: 20px;\">\n<div style=\"background: #fafafa; padding: 20px; border-radius: 8px; border: 1px solid #e0e0e0;\">\n<h4 style=\"margin-top: 0; color: #fe1637;\">B\u00e1sico \u2014 Obrigat\u00f3rio para todos<\/h4>\n<ul>\n<li>Matr\u00edcula atualizada do terreno (em nome do proponente)<\/li>\n<li>Certid\u00e3o Negativa de D\u00e9bitos do IPTU<\/li>\n<li>Alvar\u00e1 de Constru\u00e7\u00e3o v\u00e1lido (emitido pela Prefeitura)<\/li>\n<li>ART ou RRT do engenheiro\/arquiteto respons\u00e1vel<\/li>\n<li>Or\u00e7amento detalhado da obra (planilha de custos)<\/li>\n<li>Cronograma f\u00edsico-financeiro (Planilha PCI)<\/li>\n<\/ul>\n<\/div>\n<div style=\"background: #f9fff9; border: 1px solid #2e7d32; padding: 20px; border-radius: 8px;\">\n<h4 style=\"margin-top: 0; color: #2e7d32;\">Novas exig\u00eancias ambientais \u2014 SFI (acima de R$ 2,25 mi)<\/h4>\n<p style=\"font-size: 0.9rem; margin-bottom: 10px;\">Para obras de alto padr\u00e3o, a Caixa pode solicitar adicionalmente:<\/p>\n<ul>\n<li>Declara\u00e7\u00e3o de Gest\u00e3o de Res\u00edduos S\u00f3lidos da Constru\u00e7\u00e3o<\/li>\n<li>Previs\u00e3o de uso de energia renov\u00e1vel (pain\u00e9is solares)<\/li>\n<li>Projeto de reuso de \u00e1gua (cisterna ou capta\u00e7\u00e3o pluvial)<\/li>\n<\/ul>\n<p style=\"font-size: 0.85rem; color: #555; margin-top: 10px;\"><em>Projetos que apresentam esses itens voluntariamente ganham prioridade na fila de an\u00e1lise \u2014 mesmo quando n\u00e3o s\u00e3o tecnicamente obrigat\u00f3rios.<\/em><\/p>\n<\/div>\n<\/div>\n<div style=\"width: 100%; text-align: center; margin: 50px 0;\"><a style=\"background-color: #fe1637; color: #ffffff; padding: 18px 40px; text-decoration: none; border-radius: 50px; font-weight: bold; font-size: 1.1rem; box-shadow: 0 4px 10px rgba(254, 22, 55, 0.3);\" href=\"https:\/\/larya.com.br\/construcao-terreno-proprio\">VER CHECKLIST COMPLETO DE DOCUMENTOS 2026 \u2192<\/a><\/div>\n<p>&nbsp;<\/p>\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>Fontes Oficiais e Artigos Relacionados:<\/strong><\/h3>\n<ul style=\"list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 20px;\">\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/valor.globo.com\/financas\/noticia\/2025\/11\/14\/caixa-voltar-a-financiar-construo-de-imvel-superior-a-r-225-milhes-mas-com-exigncias-ambientais.ghtml\" target=\"_blank\" rel=\"noopener nofollow\">Valor Econ\u00f4mico: Caixa retoma financiamento acima de R$ 2,25 mi (Nov\/2025)<\/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\/financiamento-construcao-terreno-proprio-caixa\/\">Financiamento de Constru\u00e7\u00e3o Caixa 2026: Tabela e Regras<\/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\/vale-a-pena-financiar-terreno-em-2026\/\">Vale a Pena Financiar Terreno e Constru\u00e7\u00e3o?<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/www.caixa.gov.br\/voce\/habitacao\/financiamento-de-imoveis\/construcao\" target=\"_blank\" rel=\"noopener\">Caixa Econ\u00f4mica Federal \u2014 Modalidade Constru\u00e7\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\/construcao-terreno-proprio\">Simulador de Constru\u00e7\u00e3o LARYA<\/a><\/li>\n<\/ul>\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%20financiar%20minha%20construcao%20em%20terreno%20proprio&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 em Obras LARYA<br \/>\n<\/a><\/div>\n<h2 style=\"color: #041f30; font-weight: 800; margin-top: 50px;\">D\u00favidas Frequentes<\/h2>\n<div  class=\"ewd-ufaq-faq-list ewd-ufaq-page-type-distinct ewd-ufaq-category-tabs-\" id='ewd-ufaq-faq-list'>\n\n\t<input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' \/>\n<input type='hidden' name='include_category' value='financiamento-para-construcao' id='ewd-ufaq-include-category' \/>\n<input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' \/>\n<input type='hidden' name='orderby' value='title' id='ewd-ufaq-orderby' \/>\n<input type='hidden' name='order' value='asc' id='ewd-ufaq-order' \/>\n<input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' \/>\n<input type='hidden' name='current_url' value='\/blog\/wp-json\/wp\/v2\/posts\/16549' id='ewd-ufaq-current-url' \/>\n\t\n\t\n\t<div class='ewd-ufaq-faqs'>\n\n\t\t<div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-16661-26ukNA4SLq' data-post_id='16661'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tComo funciona a incid\u00eancia de juros durante a fase de obra?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_category=financiamento-para-construcao\">Financiamento para Constru\u00e7\u00e3o<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p>Durante o per\u00edodo de constru\u00e7\u00e3o (fase de car\u00eancia de amortiza\u00e7\u00e3o), o mutu\u00e1rio paga apenas os encargos mensais referentes aos juros sobre o valor j\u00e1 liberado pelo banco e a atualiza\u00e7\u00e3o monet\u00e1ria. N\u00e3o h\u00e1 amortiza\u00e7\u00e3o do saldo devedor principal neste per\u00edodo. A parcela cheia do <b>financiamento para constru\u00e7\u00e3o<\/b> s\u00f3 come\u00e7a a ser cobrada ap\u00f3s a conclus\u00e3o da obra e a averba\u00e7\u00e3o do im\u00f3vel, momento em que a d\u00edvida come\u00e7a a decair.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;16661&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;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&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;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Como funciona a incid\u00eancia de juros durante a fase de obra?&quot;,&quot;width&quot;:&quot;0&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: 0px\">\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            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-tags'>\n\t\n\tTags:\t\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=caixa\">Caixa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=emprestimo-para-construcao\">empr\u00e9stimo para constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=juros-durante-a-fase-de-obra\">juros durante a fase de obra<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/como-funciona-a-incidencia-de-juros-durante-a-fase-de-obra\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-16655-nan6uTUZWk' data-post_id='16655'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tComo funciona tecnicamente o financiamento de constru\u00e7\u00e3o em terreno pr\u00f3prio?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_category=financiamento-para-construcao\">Financiamento para Constru\u00e7\u00e3o<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p>Para clientes que j\u00e1 possuem a matr\u00edcula do lote registrada em seu nome, aplica-se o <b>financiamento de constru\u00e7\u00e3o em terreno pr\u00f3prio<\/b>. Nesta opera\u00e7\u00e3o, o im\u00f3vel \u00e9 alienado fiduciariamente ao banco como garantia, viabilizando taxas de juros habitacionais (as mais baixas do mercado). O banco libera o recurso financeiro gradualmente, mediante a aferi\u00e7\u00e3o do <b>cronograma f\u00edsico-financeiro<\/b> (PCI) por um engenheiro credenciado, garantindo a execu\u00e7\u00e3o e a seguran\u00e7a da obra<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;16655&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;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&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;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Como funciona tecnicamente o financiamento de constru\u00e7\u00e3o em terreno pr\u00f3prio?&quot;,&quot;width&quot;:&quot;0&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: 0px\">\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            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-tags'>\n\t\n\tTags:\t\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=construcao\">constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=financiamento\">Financiamento<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=financiamento-de-construcao\">financiamento de constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=financiar-terreno\">financiar terreno<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=terreno-proprio\">terreno pr\u00f3prio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/como-funciona-tecnicamente-o-financiamento-de-construcao-em-terreno-proprio\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-16659-n3Q90U54nx' data-post_id='16659'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tComo o banco operacionaliza o financiamento de material de constru\u00e7\u00e3o dentro dessa linha?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_category=financiamento-para-construcao\">Financiamento para Constru\u00e7\u00e3o<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p>\u00c9 fundamental esclarecer que n\u00e3o se trata de um cart\u00e3o de cr\u00e9dito para lojas. O <b>financiamento de material de constru\u00e7\u00e3o<\/b> e m\u00e3o de obra nesta modalidade ocorre via reembolso ou adiantamento por etapas. O banco libera os valores do <b>financiamento de obra<\/b> na conta do proponente conforme o percentual de evolu\u00e7\u00e3o da constru\u00e7\u00e3o \u00e9 atestado pela engenharia. Isso oferece ao cliente poder de negocia\u00e7\u00e3o para compras \u00e0 vista com fornecedores.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;16659&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;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&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;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Como o banco operacionaliza o financiamento de material de constru\u00e7\u00e3o dentro dessa linha?&quot;,&quot;width&quot;:&quot;0&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: 0px\">\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            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-tags'>\n\t\n\tTags:\t\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=caixa\">Caixa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=financiamento-de-material-de-construcao\">financiamento de material de constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=financiamento-de-obra\">financiamento de obra<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/como-o-banco-operacionaliza-o-financiamento-de-material-de-construcao-dentro-dessa-linha\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-16656-FKwxFQC8hx' data-post_id='16656'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\t\u00c9 financeiramente vantajoso financiar terreno e constru\u00e7\u00e3o em compara\u00e7\u00e3o \u00e0 compra de im\u00f3vel pronto?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_category=financiamento-para-construcao\">Financiamento para Constru\u00e7\u00e3o<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p>Sim. An\u00e1lises de mercado indicam que <b>vale a pena financiar terreno e constru\u00e7\u00e3o<\/b> devido \u00e0 forma\u00e7\u00e3o de <i>equity<\/i> (patrim\u00f4nio). Ao <b>construir financiado<\/b>, o custo final do im\u00f3vel tende a ser de 30% a 40% inferior ao valor de mercado de uma casa pronta equivalente. Al\u00e9m disso, a valoriza\u00e7\u00e3o imobili\u00e1ria imediata ap\u00f3s a averba\u00e7\u00e3o da constru\u00e7\u00e3o (Habite-se) gera um ganho patrimonial instant\u00e2neo para o investidor ou morador.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;16656&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;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&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;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;\u00c9 financeiramente vantajoso financiar terreno e constru\u00e7\u00e3o em compara\u00e7\u00e3o \u00e0 compra de im\u00f3vel pronto?&quot;,&quot;width&quot;:&quot;0&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: 0px\">\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            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-tags'>\n\t\n\tTags:\t\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=caixa\">Caixa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=construcao\">constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=construir-financiado\">construir financiado<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=financiamento-para-construir\">financiamento para construir<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=financiar-terreno\">financiar terreno<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/e-financeiramente-vantajoso-financiar-terreno-e-construcao-em-comparacao-a-compra-de-imovel-pronto\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-16662-WpXUKDFtSk' data-post_id='16662'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tExistem linhas de &#8220;empr\u00e9stimo para constru\u00e7\u00e3o&#8221; para quem n\u00e3o se enquadra no perfil banc\u00e1rio tradicional?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_category=financiamento-para-construcao\">Financiamento para Constru\u00e7\u00e3o<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p>O termo t\u00e9cnico correto \u00e9 financiamento habitacional, mas popularmente busca-se por <b>empr\u00e9stimo para constru\u00e7\u00e3o<\/b>. Para perfis que buscam flexibilidade, existem modalidades como o Cr\u00e9dito com Garantia de Im\u00f3vel (Home Equity), onde se usa outro bem quitado para levantar capital. No entanto, para a constru\u00e7\u00e3o da casa pr\u00f3pria, o <b>cr\u00e9dito constru\u00e7\u00e3o<\/b> tradicional da Caixa (SBPE ou Minha Casa Minha Vida) permanece imbat\u00edvel em termos de Custo Efetivo Total (CET).<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;16662&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;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&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;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Existem linhas de \\u0026quot;empr\u00e9stimo para constru\u00e7\u00e3o\\u0026quot; para quem n\u00e3o se enquadra no perfil banc\u00e1rio tradicional?&quot;,&quot;width&quot;:&quot;0&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: 0px\">\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            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/existem-linhas-de-emprestimo-para-construcao-para-quem-nao-se-enquadra-no-perfil-bancario-tradicional\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-16660-QYT4dOvKkm' data-post_id='16660'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tO que comp\u00f5e a &#8220;Entrada&#8221; no financiamento de aquisi\u00e7\u00e3o e constru\u00e7\u00e3o?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_category=financiamento-para-construcao\">Financiamento para Constru\u00e7\u00e3o<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p>No <b>cr\u00e9dito imobili\u00e1rio<\/b>, o banco financia at\u00e9 80% do valor total de avalia\u00e7\u00e3o (soma do terreno + custo de obra). A diferen\u00e7a (20%) constitui os recursos pr\u00f3prios. Contudo, \u00e9 poss\u00edvel utilizar o saldo do FGTS para compor esse valor, reduzindo o desembolso inicial. Realizar uma simula\u00e7\u00e3o detalhada \u00e9 vital para entender <b>como financiar terreno e constru\u00e7\u00e3o<\/b> adequando o fluxo de caixa pessoal \u00e0s exig\u00eancias de aporte inicial.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;16660&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;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&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;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;O que comp\u00f5e a \\u0026quot;Entrada\\u0026quot; no financiamento de aquisi\u00e7\u00e3o e constru\u00e7\u00e3o?&quot;,&quot;width&quot;:&quot;0&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: 0px\">\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            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/o-que-compoe-a-entrada-no-financiamento-de-aquisicao-e-construcao\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-16650-G8HKvwATLT' data-post_id='16650'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tO que \u00e9 e como funciona a Aquisi\u00e7\u00e3o de Terreno e Constru\u00e7\u00e3o?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_category=financiamento-para-construcao\">Financiamento para Constru\u00e7\u00e3o<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p>A modalidade de <b>aquisi\u00e7\u00e3o de terreno e constru\u00e7\u00e3o<\/b> \u00e9 a solu\u00e7\u00e3o financeira mais completa do mercado imobili\u00e1rio. Diferente de um empr\u00e9stimo comum, ela permite que, em um \u00fanico contrato banc\u00e1rio (com for\u00e7a de escritura p\u00fablica), voc\u00ea realize a compra do solo e obtenha o <b>cr\u00e9dito para constru\u00e7\u00e3o<\/b> da edifica\u00e7\u00e3o. Para o ciclo de <b>2026<\/b>, esta modalidade continua sendo a l\u00edder em custo-benef\u00edcio, permitindo que o cliente personalize o projeto e economize nos custos cartor\u00e1rios, j\u00e1 que a opera\u00e7\u00e3o \u00e9 unificada<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;16650&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;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&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;0\\\/5 - (0 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;O que \u00e9 e como funciona a Aquisi\u00e7\u00e3o de Terreno e Constru\u00e7\u00e3o?&quot;,&quot;width&quot;:&quot;0&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: 0px\">\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            <span class=\"kksr-muted\">Avalie este artigo<\/span>\n    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-tags'>\n\t\n\tTags:\t\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=calculo-financiamento-imovel\">c\u00e1lculo financiamento imovel<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=como-financiar-uma-casa\">como financiar uma casa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=financiamento-construcao\">financiamento constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=financiamento-para-construcao\">financiamento para constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=suporte-financiamento-imobiliario\">suporte financiamento imobiliario<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/o-que-e-e-como-funciona-a-aquisicao-de-terreno-e-construcao\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-16658-DadtpsO9Xs' data-post_id='16658'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tQual a diferen\u00e7a entre &#8220;financiar um lote&#8221; isolado e a modalidade de constru\u00e7\u00e3o associada?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_category=financiamento-para-construcao\">Financiamento para Constru\u00e7\u00e3o<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p>H\u00e1 uma distin\u00e7\u00e3o crucial. Quem busca apenas <b>como financiar um lote<\/b> (Lote Urbanizado) geralmente encontra prazos menores (at\u00e9 240 meses) e taxas de juros comerciais, mais elevadas. J\u00e1 ao optar pelo <b>financiamento terreno e constru\u00e7\u00e3o<\/b>, a opera\u00e7\u00e3o \u00e9 enquadrada no SFH (Sistema Financeiro de Habita\u00e7\u00e3o), permitindo o uso de FGTS, taxas reduzidas e prazos estendidos de at\u00e9 <b>420 meses<\/b>. Portanto, vincular a constru\u00e7\u00e3o ao terreno \u00e9 financeiramente superior.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;16658&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;1&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 - (1 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Qual a diferen\u00e7a entre \\u0026quot;financiar um lote\\u0026quot; isolado e a modalidade de constru\u00e7\u00e3o associada?&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 - (1 voto)    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-tags'>\n\t\n\tTags:\t\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=caixa\">Caixa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=construcao\">constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=financiamento-terreno-e-construcao\">financiamento terreno e constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_tag=financiar-um-lote\">financiar um lote<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/qual-a-diferenca-entre-financiar-um-lote-isolado-e-a-modalidade-de-construcao-associada\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-16663-96sd1J0fsl' data-post_id='16663'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h4>\n\t\t\t\tQual a proje\u00e7\u00e3o de taxas e prazos para o financiamento de obras?\t\t\t<\/h4>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/?include_category=financiamento-para-construcao\">Financiamento para Constru\u00e7\u00e3o<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<p>Para o horizonte de 2026, a Caixa mant\u00e9m a lideran\u00e7a com prazos de at\u00e9 <b>420 meses<\/b> (35 anos), o que dilui significativamente a parcela mensal. A <b>taxa de juros financiamento<\/b> varia conforme o relacionamento do cliente e o indexador escolhido (TR, Poupan\u00e7a ou Taxa Fixa). Nossa consultoria monitora diariamente essas taxas para indicar o melhor momento e a melhor modalidade para sua <b>aquisi\u00e7\u00e3o e constru\u00e7\u00e3o<\/b>.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\" data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;16663&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;1&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 - (1 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Qual a proje\u00e7\u00e3o de taxas e prazos para o financiamento de obras?&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 - (1 voto)    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-permalink'>\n\t\n\t<a href='https:\/\/larya.com.br\/blog\/ufaq\/qual-a-projecao-de-taxas-e-prazos-para-o-financiamento-de-obras\/'>\n\t\t\n\t\t\t\t <div class='ewd-ufaq-permalink-image'><\/div> \t\n\t<\/a>\n\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n\t<\/div>\n\n\t\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;16663&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;1&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 - (1 voto)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Qual a proje\u00e7\u00e3o de taxas e prazos para o financiamento de obras?&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 - (1 voto)    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>A Qual a proje\u00e7\u00e3o de taxas e prazos para o financiamento de obras? Category: Financiamento para Constru\u00e7\u00e3o Para o horizonte de 2026, a Caixa mant\u00e9m a lideran\u00e7a com prazos de at\u00e9 420 meses (35 anos), o que dilui significativamente a parcela mensal. A taxa de juros financiamento varia conforme o relacionamento do cliente e o&#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":43,"featured_media":15200,"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":[2513,3129],"tags":[976,2360,3051,4008,3047,3050,2811,3052,40,3053,3132,968,2982,4007,3049,4009,2676,3055,3048,3054],"class_list":["post-16549","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiamento-imobiliario","category-financiamento-para-construcao","tag-bancos","tag-casa-propria","tag-como-financiar-uma-construcao","tag-como-funciona-o-financiamento-da-caixa-para-construcao","tag-construcao-civil","tag-construcao-em-terreno-proprio","tag-credito-habitacional","tag-credito-para-construir","tag-fgts","tag-financiamento-caixa-construcao","tag-financiamento-de-construcao","tag-financiamento-imobiliario","tag-financiamento-para-construcao","tag-financiamento-para-construcao-em-terreno-proprio","tag-financiar-construcao","tag-itau-financiamento-construcao","tag-larya","tag-sfh-e-sfi","tag-terreno-proprio","tag-usar-fgts-na-construcao"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/larya.com.br\/blog\/wp-content\/uploads\/2025\/04\/area-lazer-piscina-churrasqueira-casa.webp","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/16549","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\/43"}],"replies":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/comments?post=16549"}],"version-history":[{"count":4,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/16549\/revisions"}],"predecessor-version":[{"id":17347,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/16549\/revisions\/17347"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media\/15200"}],"wp:attachment":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media?parent=16549"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/categories?post=16549"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/tags?post=16549"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}