{"id":17117,"date":"2026-09-22T00:46:38","date_gmt":"2026-09-22T03:46:38","guid":{"rendered":"https:\/\/larya.com.br\/blog\/?p=17117"},"modified":"2026-09-22T00:46:39","modified_gmt":"2026-09-22T03:46:39","slug":"simulador-habitacional-caixa","status":"publish","type":"post","link":"https:\/\/larya.com.br\/blog\/simulador-habitacional-caixa\/","title":{"rendered":"Simulador Habitacional Caixa 2026: Veja a Menor Parcela"},"content":{"rendered":"<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Article\",\n  \"headline\": \"Simulador Habitacional Caixa 2026: Menor Parcela Entre os Bancos\",\n  \"description\": \"Compare a parcela do financiamento imobili\u00e1rio nos principais bancos \u2014 Caixa, BRB, Ita\u00fa, Santander, Bradesco, BB e Inter. Tabela completa de taxas e simula\u00e7\u00e3o gr\u00e1tis. Setembro\/2026.\",\n  \"author\": { \"@type\": \"Organization\", \"name\": \"LARYA Cr\u00e9dito Imobili\u00e1rio\" },\n  \"publisher\": {\n    \"@type\": \"Organization\", \"name\": \"LARYA\",\n    \"logo\": { \"@type\": \"ImageObject\", \"url\": \"https:\/\/larya.com.br\/static\/images\/logo.webp\" }\n  },\n  \"datePublished\": \"2026-02-01\",\n  \"dateModified\": \"2026-08-21\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/larya.com.br\/blog\/simulador-habitacional-caixa-menor-parcela\/\"\n  }\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"VideoObject\",\n  \"name\": \"Financiamento Caixa 2026: Taxa 11,19%, Como Funciona e Simula\u00e7\u00e3o Real\",\n  \"description\": \"A Caixa tem a menor taxa de financiamento imobili\u00e1rio do Brasil: 11,19% a.a. + TR. A LARYA explica SBPE vs MCMV, os 4 pilares de aprova\u00e7\u00e3o SICAQ, FGTS, SAC vs Price e quando o Ita\u00fa vence a Caixa mesmo sendo mais caro.\",\n  \"thumbnailUrl\": \"https:\/\/i.ytimg.com\/vi\/v7NdQZQG7HM\/maxresdefault.jpg\",\n  \"uploadDate\": \"2026-08-21T10:00:00-03:00\",\n  \"duration\": \"PT2M30S\",\n  \"contentUrl\": \"https:\/\/youtube.com\/shorts\/v7NdQZQG7HM\",\n  \"embedUrl\": \"https:\/\/www.youtube.com\/embed\/v7NdQZQG7HM\",\n  \"publisher\": {\n    \"@type\": \"Organization\", \"name\": \"LARYA\",\n    \"logo\": { \"@type\": \"ImageObject\", \"url\": \"https:\/\/larya.com.br\/static\/images\/logo.webp\" }\n  }\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qual banco tem a menor parcela de financiamento imobili\u00e1rio?\",\n      \"acceptedAnswer\": { \"@type\": \"Answer\",\n        \"text\": \"Em setembro de 2026, a Caixa Econ\u00f4mica Federal tem a menor taxa (11,19% a.a. + TR) e portanto a menor parcela. Para R$400.000 financiados em 360 meses pela Tabela Price: ~R$3.867\/m\u00eas. O BRB \u00e9 o segundo (11,36%), seguido pelo Ita\u00fa (11,60%). O Inter tem a taxa mais alta do ranking: a partir de 14,63% a.a., cerca de 3 pontos acima da Caixa (11,19% a.a.).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quanto fica a parcela de 300 mil pela Caixa?\",\n      \"acceptedAnswer\": { \"@type\": \"Answer\",\n        \"text\": \"Para R$240.000 financiados (im\u00f3vel de R$300k com 20% de entrada) pela Tabela Price, 360 meses, taxa 11,19% a.a.: ~R$2.319\/m\u00eas. Renda m\u00ednima necess\u00e1ria: ~R$7.730\/m\u00eas. Simule o valor exato em larya.com.br\/simulador-habitacional.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qual a taxa de financiamento imobili\u00e1rio da Caixa em 2026?\",\n      \"acceptedAnswer\": { \"@type\": \"Answer\",\n        \"text\": \"Em setembro de 2026, a taxa nominal de balc\u00e3o da Caixa parte de 11,19% a.a. + TR \u2014 a menor entre os grandes bancos. Selic: 13,75% a.a. (COPOM 05\/08\/2026). A taxa final depende do score de cr\u00e9dito e relacionamento banc\u00e1rio do cliente.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quando o Ita\u00fa \u00e9 melhor que a Caixa para financiamento?\",\n      \"acceptedAnswer\": { \"@type\": \"Answer\",\n        \"text\": \"O Ita\u00fa (11,60% a.a.) vence a Caixa (11,19%) em tr\u00eas situa\u00e7\u00f5es: (1) voc\u00ea precisa de aprova\u00e7\u00e3o em at\u00e9 3 dias para n\u00e3o perder o im\u00f3vel; (2) voc\u00ea tem mais de 50 anos \u2014 o CET do Ita\u00fa pode ser menor pelo seguro mais barato; (3) voc\u00ea \u00e9 aut\u00f4nomo com renda dif\u00edcil de comprovar para a Caixa.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"O Minha Casa Minha Vida tem taxa menor que a Caixa SBPE?\",\n      \"acceptedAnswer\": { \"@type\": \"Answer\",\n        \"text\": \"Sim, para quem se enquadra. O MCMV tem taxas subsidiadas abaixo de 11,19% a.a. Desde abril de 2026, o programa inclui a Faixa 4 (Classe M\u00e9dia): renda at\u00e9 R$13.000\/m\u00eas, im\u00f3vel at\u00e9 R$600.000 (inclusive usado). Verifique sua elegibilidade antes de simular pelo SBPE. Fonte: Minist\u00e9rio das Cidades, 22\/04\/2026.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qual a diferen\u00e7a entre SAC e Price no financiamento imobili\u00e1rio?\",\n      \"acceptedAnswer\": { \"@type\": \"Answer\",\n        \"text\": \"Na Tabela Price, as parcelas s\u00e3o fixas do in\u00edcio ao fim \u2014 mais f\u00e1cil de aprovar, renda m\u00ednima menor. Na Tabela SAC, as parcelas come\u00e7am maiores e diminuem todo m\u00eas \u2014 menos juros totais, melhor para quem tem folga de renda. Para R$400.000 a 11,19% a.a. (Caixa) em 360 meses: Price ~R$3.867\/m\u00eas (fixo); SAC ~R$4.841\/m\u00eas (primeira, depois cai). Veja o guia completo em larya.com.br\/tabela-sac-e-price-2026.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<div style=\"font-family: 'Segoe UI',Tahoma,Geneva,Verdana,sans-serif; color: #333; line-height: 1.8; font-size: 17px; width: 100%;\">\n<div style=\"background-color: #f4f6f8; padding: 25px; border-left: 5px solid #FE1637; margin-bottom: 40px;\">\n<p style=\"margin: 0; font-size: 1.15rem; line-height: 1.6; color: #333;\"><strong>Resposta direta:<\/strong> A Caixa Econ\u00f4mica Federal tem a <strong>menor taxa de balc\u00e3o do mercado<\/strong>: <strong>11,19% a.a. + TR<\/strong>. Entre os 7 grandes bancos analisados pela LARYA, a diferen\u00e7a entre a menor e a maior taxa representa at\u00e9 <strong>R$270.000 a mais em juros<\/strong> em 30 anos. Simule abaixo e veja qual banco entrega a menor parcela para o seu perfil. Selic: <strong>13,75% a.a.<\/strong> (COPOM 05\/08\/2026).<\/p>\n<\/div>\n<div style=\"background: #fff8e1; border-left: 4px solid #ffc107; padding: 14px 18px; border-radius: 0 6px 6px 0; margin: 20px 0; font-size: 14px; color: #555; line-height: 1.6;\"><strong style=\"color: #856404;\">&#x26a0;&#xfe0f; Aviso:<\/strong> Taxas nominais de balc\u00e3o \u2014 Setembro\/2026. O CET final varia conforme perfil, score, seguros MIP e DFI. Consulte um especialista antes de decidir.<\/div>\n<p>Muita gente simula apenas no site da Caixa \u2014 e perde dinheiro. O simulador da Caixa s\u00f3 mostra as condi\u00e7\u00f5es dela. Mas a escolha do banco errado pode custar <strong>R$270.000 a mais em juros ao longo de 30 anos<\/strong>. Abaixo, comparamos os 7 principais bancos para que voc\u00ea tome a melhor decis\u00e3o \u2014 com n\u00fameros reais.<\/p>\n<div style=\"text-align: center; margin: 40px 0;\"><a style=\"background-color: #fe1637; color: #ffffff; padding: 18px 45px; text-decoration: none; border-radius: 50px; font-weight: 800; font-size: 1.1rem; display: inline-block; box-shadow: 0 4px 15px rgba(254,22,55,0.35);\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">COMPARAR OS 10+ BANCOS AGORA \u2192<\/a><\/p>\n<p style=\"margin-top: 12px; font-size: 0.9rem; color: #666;\">Simula\u00e7\u00e3o gr\u00e1tis \u2014 sem compromisso.<\/p>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">Ranking Completo de Taxas dos Bancos \u2014 Setembro\/2026<\/h2>\n<p><!-- LARYA_FIN_RATE_TABLE_START --><\/p>\n<h3>Ranking de taxas de financiamento imobili\u00e1rio (setembro\/2026)<\/h3>\n<table>\n<thead>\n<tr>\n<th>Ranking<\/th>\n<th>Banco<\/th>\n<th>Taxa (a.a.)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>#1 &#127942;<\/td>\n<td>Caixa Econ\u00f4mica<\/td>\n<td>a partir de 11,19% a.a.<\/td>\n<\/tr>\n<tr>\n<td>#2<\/td>\n<td>BRB<\/td>\n<td>11,36% a.a.<\/td>\n<\/tr>\n<tr>\n<td>#3<\/td>\n<td>Banco do Brasil<\/td>\n<td>11,60% a.a.<\/td>\n<\/tr>\n<tr>\n<td>#4<\/td>\n<td>Ita\u00fa<\/td>\n<td>11,60% a.a.<\/td>\n<\/tr>\n<tr>\n<td>#5<\/td>\n<td>Santander<\/td>\n<td>11,69% a.a.<\/td>\n<\/tr>\n<tr>\n<td>#6<\/td>\n<td>Bradesco<\/td>\n<td>11,70% a.a.<\/td>\n<\/tr>\n<tr>\n<td>#7<\/td>\n<td>Banco Inter<\/td>\n<td>14,63% a.a.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size:12px;color:#6b7280;\">Fonte: taxas de refer\u00eancia LARYA &bull; atualizado em setembro\/2026. Sujeitas a an\u00e1lise de cr\u00e9dito. Simule seu caso para valores exatos.<\/p>\n<p><!-- LARYA_FIN_RATE_TABLE_END --><\/p>\n<div style=\"background-color: #041f30; color: white; padding: 18px 22px; border-radius: 10px; margin: 20px 0; text-align: center;\"><strong style=\"font-size: 1.1rem;\"> Diferen\u00e7a entre a menor e a maior taxa do ranking: 3,44 pontos percentuais a.a.<\/strong><br \/>\n<span style=\"font-size: 0.9rem; opacity: 0.85;\">(11,19% a.a. na Caixa vs 14,63% a.a. no Inter \u2014 simule para ver o impacto na parcela)<\/span><\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">Tabela Completa de Parcelas por Valor de Im\u00f3vel<\/h2>\n<p>Valores calculados pela Tabela Price, 360 meses, taxa 11,19% a.a. (Caixa). Entrada de 20%:<\/p>\n<div style=\"overflow-x: auto; margin: 25px 0; border-radius: 10px; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: collapse; min-width: 520px;\">\n<thead>\n<tr style=\"background-color: #041f30; color: white;\">\n<th style=\"padding: 13px 15px; text-align: left;\">Im\u00f3vel<\/th>\n<th style=\"padding: 13px 15px; text-align: center;\">Entrada (20%)<\/th>\n<th style=\"padding: 13px 15px; text-align: center;\">Financiado<\/th>\n<th style=\"padding: 13px 15px; text-align: center;\">Parcela Price<\/th>\n<th style=\"padding: 13px 15px; text-align: center;\">Renda M\u00edn.<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 11px 15px; font-weight: bold;\">R$200.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$40.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$160.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$1.546<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$5.153<\/td>\n<\/tr>\n<tr style=\"background: #f9f9f9;\">\n<td style=\"padding: 11px 15px; font-weight: bold;\">R$300.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$60.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$240.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$2.319<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$7.730<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 11px 15px; font-weight: bold;\">R$400.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$80.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$320.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$3.093<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$10.310<\/td>\n<\/tr>\n<tr style=\"background: #f9f9f9;\">\n<td style=\"padding: 11px 15px; font-weight: bold;\">R$500.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$100.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$400.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$3.867<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$12.890<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 11px 15px; font-weight: bold;\">R$600.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$120.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$480.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$4.640<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$15.467<\/td>\n<\/tr>\n<tr style=\"background: #f9f9f9;\">\n<td style=\"padding: 11px 15px; font-weight: bold;\">R$800.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$160.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$640.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$6.187<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$20.623<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 11px 15px; font-weight: bold;\">R$1.000.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$200.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center;\">R$800.000<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$7.734<\/td>\n<td style=\"padding: 11px 15px; text-align: center; font-weight: bold;\">~R$25.780<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"font-size: 0.85rem; color: #666;\"><em>Tabela Price, 360 meses, taxa 11,19% a.a. + TR (Caixa). Valores estimados \u2014 CET final inclui seguros. Setembro\/2026.<\/em><\/p>\n<div style=\"text-align: center; margin: 40px 0;\"><a style=\"background-color: #fe1637; color: #ffffff; padding: 18px 40px; text-decoration: none; border-radius: 50px; font-weight: 800; font-size: 1.05rem; display: inline-block;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">Simular com CET Completo nos 10+ Bancos \u2192<\/a><\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\"> Financiamento Caixa 2026: Simula\u00e7\u00e3o e An\u00e1lise Completa<\/h2>\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=\"Financiamento Caixa 2026: Taxa 11,19%, Como Funciona e Simula\u00e7\u00e3o Real \u2014 LARYA\" src=\"https:\/\/www.youtube.com\/embed\/v7NdQZQG7HM?rel=0&amp;modestbranding=1\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">Quando Cada Banco Vale a Pena<\/h2>\n<p>A menor taxa nem sempre \u00e9 a melhor escolha. Use este guia r\u00e1pido:<\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit,minmax(280px,1fr)); gap: 18px; margin: 25px 0;\">\n<div style=\"background: #e8f5e9; padding: 20px; border-radius: 10px; border-top: 4px solid #28a745;\">\n<h4 style=\"margin: 0 0 8px; color: #041f30;\"> Caixa \u2014 Menor Custo Total<\/h4>\n<p style=\"margin: 0; font-size: 14px; color: #333;\">Taxa 11,19% a.a. Escolha se voc\u00ea tem 45\u201390 dias e quer economizar ao m\u00e1ximo. Melhor para quem tem FGTS para usar na entrada.<\/p>\n<\/div>\n<div style=\"background: #e3f2fd; padding: 20px; border-radius: 10px; border-top: 4px solid #1565c0;\">\n<h4 style=\"margin: 0 0 8px; color: #041f30;\"> BRB \u2014 Custo-Benef\u00edcio<\/h4>\n<p style=\"margin: 0; font-size: 14px; color: #333;\">Taxa 11,36% a.a. Segunda menor do mercado. Processo mais \u00e1gil que a Caixa. Ideal para quem quer economia com menos burocracia.<\/p>\n<\/div>\n<div style=\"background: #f3e5f5; padding: 20px; border-radius: 10px; border-top: 4px solid #6a1b9a;\">\n<h4 style=\"margin: 0 0 8px; color: #041f30;\"> Ita\u00fa \u2014 Velocidade<\/h4>\n<p style=\"margin: 0; font-size: 14px; color: #333;\">Taxa 11,60% a.a. Aprovado em at\u00e9 3 dias. Ideal para leil\u00f5es, propostas competitivas ou quando o im\u00f3vel pode ser perdido por demora.<\/p>\n<\/div>\n<div style=\"background: #fff3e0; padding: 20px; border-radius: 10px; border-top: 4px solid #e65100;\">\n<h4 style=\"margin: 0 0 8px; color: #041f30;\"> Santander \u2014 Aut\u00f4nomo e PJ<\/h4>\n<p style=\"margin: 0; font-size: 14px; color: #333;\">Taxa 11,69% a.a. Mais flex\u00edvel para quem tem renda n\u00e3o convencional. Permite composi\u00e7\u00e3o com amigos e s\u00f3cios.<\/p>\n<\/div>\n<div style=\"background: #fce4ec; padding: 20px; border-radius: 10px; border-top: 4px solid #880e4f;\">\n<h4 style=\"margin: 0 0 8px; color: #041f30;\"> Bradesco \u2014 Car\u00eancia e Open Finance<\/h4>\n<p style=\"margin: 0; font-size: 14px; color: #333;\">Taxa 11,70% a.a. \u00danica car\u00eancia de at\u00e9 6 meses. Ideal para investidores que querem alugar o im\u00f3vel antes de come\u00e7ar a amortizar.<\/p>\n<\/div>\n<div style=\"background: #ffebee; padding: 20px; border-radius: 10px; border-top: 4px solid #c62828;\">\n<h4 style=\"margin: 0 0 8px; color: #c62828;\">&#x274c; Banco Inter \u2014 Evite<\/h4>\n<p style=\"margin: 0; font-size: 14px; color: #333;\">Taxa a partir de 14,63% a.a. \u2014 a mais alta do ranking. Conveniente pelo app, mas fica bem acima da Caixa (11,19% a.a.) ao longo do financiamento. Vale comparar antes de decidir.<\/p>\n<\/div>\n<\/div>\n<div style=\"background: linear-gradient(135deg,#e8f5e9 0%,#f4f6f8 100%); border: 1px solid #c8e6c9; border-radius: 14px; padding: 28px 32px; margin: 48px 0;\">\n<div style=\"display: flex; align-items: center; gap: 12px; margin-bottom: 14px; flex-wrap: wrap;\">\n<div style=\"background: #28a745; border-radius: 8px; padding: 5px 12px; display: inline-block;\"><span style=\"color: white; font-size: 11px; font-weight: 800; letter-spacing: 1.5px; text-transform: uppercase;\">Novidade Abril\/2026<\/span><\/div>\n<p><span style=\"font-size: 13px; color: #666;\">Minist\u00e9rio das Cidades, 22\/04\/2026<\/span><\/p>\n<\/div>\n<h3 style=\"color: #041f30; font-weight: 800; font-size: 1.2rem; margin: 0 0 12px;\">Antes de simular: verifique se o MCMV n\u00e3o \u00e9 melhor para voc\u00ea<\/h3>\n<p style=\"margin: 0 0 14px; font-size: 15px; color: #333; line-height: 1.75;\">Desde <strong>abril de 2026<\/strong>, o MCMV inclui a <strong>Faixa 4 (Classe M\u00e9dia)<\/strong>: renda at\u00e9 <strong>R$13.000\/m\u00eas<\/strong>, im\u00f3vel at\u00e9 <strong>R$600.000<\/strong> (inclusive usado). Taxas subsidiadas abaixo de 11,19% a.a. \u2014 ou seja, podem ser mais baratas que a Caixa SBPE.<\/p>\n<div style=\"overflow-x: auto; margin: 0 0 18px;\">\n<table style=\"width: 100%; border-collapse: collapse; background: white; border-radius: 8px; overflow: hidden; min-width: 380px;\">\n<thead>\n<tr style=\"background: #041f30; color: white;\">\n<th style=\"padding: 10px 14px; text-align: left; font-size: 13px;\">Faixa<\/th>\n<th style=\"padding: 10px 14px; text-align: left; font-size: 13px;\">Renda familiar<\/th>\n<th style=\"padding: 10px 14px; text-align: left; font-size: 13px;\">Im\u00f3vel at\u00e9<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 9px 14px; font-weight: bold; color: #28a745; font-size: 14px;\">Faixa 1<\/td>\n<td style=\"padding: 9px 14px; font-size: 14px;\">At\u00e9 R$3.200\/m\u00eas<\/td>\n<td style=\"padding: 9px 14px; font-size: 14px;\">R$275 mil<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee; background: #fafafa;\">\n<td style=\"padding: 9px 14px; font-weight: bold; color: #1976d2; font-size: 14px;\">Faixa 2<\/td>\n<td style=\"padding: 9px 14px; font-size: 14px;\">At\u00e9 R$5.000\/m\u00eas<\/td>\n<td style=\"padding: 9px 14px; font-size: 14px;\">R$275 mil<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 9px 14px; font-weight: bold; color: #f57c00; font-size: 14px;\">Faixa 3<\/td>\n<td style=\"padding: 9px 14px; font-size: 14px;\">At\u00e9 R$9.600\/m\u00eas<\/td>\n<td style=\"padding: 9px 14px; font-size: 14px;\">R$400 mil<\/td>\n<\/tr>\n<tr style=\"background: #e8f5e9;\">\n<td style=\"padding: 9px 14px; font-weight: 800; color: #041f30; font-size: 14px;\">Faixa 4 &#x2b50;<\/td>\n<td style=\"padding: 9px 14px; font-size: 14px; font-weight: bold;\">At\u00e9 R$13.000\/m\u00eas<\/td>\n<td style=\"padding: 9px 14px; font-size: 14px; font-weight: bold;\">R$600 mil<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><a style=\"display: inline-block; background: #28a745; color: #fff; padding: 12px 22px; border-radius: 8px; font-weight: bold; font-size: 14px; text-decoration: none;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">Verificar se me enquadro no MCMV \u2192<\/a><\/p>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">SAC ou Price: O Impacto Real na Sua Parcela<\/h2>\n<p>Para R$400.000 financiados a 11,19% a.a. (Caixa), 360 meses:<\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit,minmax(270px,1fr)); gap: 20px; margin: 20px 0;\">\n<div style=\"background: #fafafa; padding: 22px; border-radius: 10px; border-top: 4px solid #28a745;\">\n<h4 style=\"margin-top: 0; color: #041f30;\">Tabela Price \u2014 Parcela Fixa<\/h4>\n<p style=\"font-size: 1.4rem; font-weight: 800; color: #28a745; margin: 8px 0;\">~R$3.867\/m\u00eas<\/p>\n<p style=\"margin: 0; font-size: 14px; color: #555;\">Do 1\u00ba ao 360\u00ba m\u00eas. Mais f\u00e1cil de aprovar. Renda m\u00ednima menor. Custo total de juros maior.<\/p>\n<\/div>\n<div style=\"background: #fafafa; padding: 22px; border-radius: 10px; border-top: 4px solid #3a2fa3;\">\n<h4 style=\"margin-top: 0; color: #041f30;\">Tabela SAC \u2014 Parcelas Decrescentes<\/h4>\n<p style=\"font-size: 1.4rem; font-weight: 800; color: #3a2fa3; margin: 8px 0;\">~R$4.841\/m\u00eas (1\u00ba)<\/p>\n<p style=\"margin: 0; font-size: 14px; color: #555;\">Come\u00e7a mais alto, termina mais baixo. Menos juros totais. Ideal para quem tem folga de renda.<\/p>\n<\/div>\n<\/div>\n<p style=\"margin-top: 10px;\">Guia completo: <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/tabela-sac-e-price-2026\">SAC vs Price 2026 \u2192<\/a><\/p>\n<div style=\"margin: 60px 0; padding: 40px 30px; background: #f4f6f8; border-radius: 16px; border: 1px solid #e0e0e0;\">\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.5rem; margin-top: 0; margin-bottom: 6px;\">O que dizem nossos clientes<\/h2>\n<p style=\"color: #666; font-size: 14px; margin-bottom: 24px;\">&#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50; <strong>5,0<\/strong> \u2014 68 avalia\u00e7\u00f5es no Google Maps<\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit,minmax(260px,1fr)); gap: 18px;\">\n<div style=\"background: #fff; padding: 20px; border-radius: 10px; border: 1px solid #eee;\">\n<div style=\"display: flex; align-items: center; gap: 10px; margin-bottom: 10px;\">\n<div style=\"width: 38px; height: 38px; background: #fe1637; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-weight: 800; flex-shrink: 0;\">A<\/div>\n<div>\n<p style=\"margin: 0; font-weight: bold; font-size: 15px; color: #041f30;\">Adar Yechiam<\/p>\n<p style=\"margin: 0; font-size: 12px; color: #888;\">&#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50; \u00b7 Google Maps \u00b7 Local Guide<\/p>\n<\/div>\n<\/div>\n<p style=\"margin: 0; font-size: 14px; color: #444; line-height: 1.7; font-style: italic;\">\u201cO Nathan <strong>explicou CET, seguros e prazos em linguagem simples<\/strong>. Ajustamos prazo e entrada de acordo com meu or\u00e7amento.\u201d<\/p>\n<\/div>\n<div style=\"background: #fff; padding: 20px; border-radius: 10px; border: 1px solid #eee;\">\n<div style=\"display: flex; align-items: center; gap: 10px; margin-bottom: 10px;\">\n<div style=\"width: 38px; height: 38px; background: #3a2fa3; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-weight: 800; flex-shrink: 0;\">L<\/div>\n<div>\n<p style=\"margin: 0; font-weight: bold; font-size: 15px; color: #041f30;\">Leonardo Nascimento<\/p>\n<p style=\"margin: 0; font-size: 12px; color: #888;\">&#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50; \u00b7 Google Maps<\/p>\n<\/div>\n<\/div>\n<p style=\"margin: 0; font-size: 14px; color: #444; line-height: 1.7; font-style: italic;\">\u201cAssinei meu contrato em <strong>20 dias<\/strong> \u2014 normalmente o processo demora de 40 a 60 dias.\u201d<\/p>\n<\/div>\n<div style=\"background: #fff; padding: 20px; border-radius: 10px; border: 1px solid #eee;\">\n<div style=\"display: flex; align-items: center; gap: 10px; margin-bottom: 10px;\">\n<div style=\"width: 38px; height: 38px; background: #28a745; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-weight: 800; flex-shrink: 0;\">M<\/div>\n<div>\n<p style=\"margin: 0; font-weight: bold; font-size: 15px; color: #041f30;\">Mohammad Karbalaei<\/p>\n<p style=\"margin: 0; font-size: 12px; color: #888;\">&#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50; \u00b7 Google Maps<\/p>\n<\/div>\n<\/div>\n<p style=\"margin: 0; font-size: 14px; color: #444; line-height: 1.7; font-style: italic;\">\u201cSou estrangeiro e consegui financiar meu im\u00f3vel no Brasil. A LARYA <strong>tornou poss\u00edvel<\/strong> o que parecia imposs\u00edvel.\u201d<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"margin: 60px 0; padding: 36px 40px; background: #f4f6f8; border-radius: 16px; border: 1px solid #e0e0e0;\">\n<p style=\"margin: 0 0 6px; font-size: 11px; font-weight: bold; letter-spacing: 1.5px; text-transform: uppercase; color: #fe1637;\">Sobre a LARYA<\/p>\n<h3 style=\"margin: 0 0 12px; font-size: 1.2rem; font-weight: 800; color: #041f30;\">Correspondente Banc\u00e1rio Credenciado \u2014 S\u00e3o Paulo, SP<\/h3>\n<p style=\"margin: 0 0 16px; font-size: 15px; color: #444; line-height: 1.75;\">A <strong>LARYA<\/strong> \u00e9 um correspondente banc\u00e1rio credenciado especializado em cr\u00e9dito imobili\u00e1rio. Comparamos <strong>mais de 10 bancos e institui\u00e7\u00f5es<\/strong> \u2014 incluindo Caixa, BRB, Ita\u00fa, Santander, Bradesco, BB e Inter \u2014 simultaneamente, gr\u00e1tis para o comprador. Avaliados com <strong>5,0 &#x2b50;<\/strong> em 68 avalia\u00e7\u00f5es no Google Maps.<\/p>\n<div style=\"display: flex; flex-wrap: wrap; gap: 22px; margin-bottom: 20px;\">\n<div><span style=\"display: block; font-size: 1.4rem; font-weight: 800; color: #fe1637;\">7<\/span><span style=\"font-size: 12px; color: #666; text-transform: uppercase;\">Bancos parceiros<\/span><\/div>\n<div><span style=\"display: block; font-size: 1.4rem; font-weight: 800; color: #fe1637;\">5,0 &#x2b50;<\/span><span style=\"font-size: 12px; color: #666; text-transform: uppercase;\">Google (68 av.)<\/span><\/div>\n<div><span style=\"display: block; font-size: 1.4rem; font-weight: 800; color: #fe1637;\">R$0<\/span><span style=\"font-size: 12px; color: #666; text-transform: uppercase;\">Custo p\/ cliente<\/span><\/div>\n<div><span style=\"display: block; font-size: 1.4rem; font-weight: 800; color: #fe1637;\">45\u201390d<\/span><span style=\"font-size: 12px; color: #666; text-transform: uppercase;\">Prazo m\u00e9dio<\/span><\/div>\n<\/div>\n<div style=\"display: flex; flex-wrap: wrap; gap: 12px;\"><a style=\"background: #041f30; color: #fff; padding: 13px 22px; border-radius: 8px; font-weight: bold; font-size: 14px; text-decoration: none; display: inline-block;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">Simular nos 10+ Bancos \u2192<\/a><br \/>\n<a style=\"background: #25d366; color: #fff; padding: 13px 22px; border-radius: 8px; font-weight: bold; font-size: 14px; text-decoration: none; display: inline-block;\" href=\"https:\/\/api.whatsapp.com\/send\/?phone=5511936232107&amp;text=Vim+pelo+blog+LARYA+e+quero+comparar+taxas+dos+bancos&amp;type=phone_number&amp;app_absent=0\"> Falar com especialista<\/a><\/div>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; margin-top: 50px;\">Perguntas Frequentes<\/h2>\n<div style=\"margin-bottom: 24px; border-bottom: 1px solid #eee; padding-bottom: 15px;\">\n<h3 style=\"font-size: 1.15rem; color: #041f30; margin-bottom: 8px;\">Qual banco tem a menor parcela de financiamento imobili\u00e1rio?<\/h3>\n<p style=\"margin: 0; line-height: 1.7;\">Em setembro\/2026, a Caixa Econ\u00f4mica tem a menor taxa e portanto a menor parcela: <strong>11,19% a.a. + TR<\/strong>. Para R$400.000 financiados em 360 meses (Price), a parcela \u00e9 de ~R$3.867\/m\u00eas. O BRB \u00e9 o segundo (11,36%), seguido pelo Ita\u00fa (11,60%). O Banco Inter tem a taxa mais alta do ranking: a partir de 14,63% a.a., cerca de 3 pontos acima da Caixa (11,19% a.a.).<\/p>\n<\/div>\n<div style=\"margin-bottom: 24px; border-bottom: 1px solid #eee; padding-bottom: 15px;\">\n<h3 style=\"font-size: 1.15rem; color: #041f30; margin-bottom: 8px;\">Quanto fica a parcela de 300 mil pela Caixa?<\/h3>\n<p style=\"margin: 0; line-height: 1.7;\">Para R$240.000 financiados (im\u00f3vel de R$300k com 20% de entrada) pela Tabela Price, 360 meses, taxa 11,19% a.a.: <strong>~R$2.319\/m\u00eas<\/strong>. Renda m\u00ednima necess\u00e1ria: <strong>~R$7.730\/m\u00eas<\/strong>. Use o <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">simulador LARYA<\/a> para o valor exato com CET.<\/p>\n<\/div>\n<div style=\"margin-bottom: 24px; border-bottom: 1px solid #eee; padding-bottom: 15px;\">\n<h3 style=\"font-size: 1.15rem; color: #041f30; margin-bottom: 8px;\">Qual a taxa de financiamento imobili\u00e1rio da Caixa em 2026?<\/h3>\n<p style=\"margin: 0; line-height: 1.7;\">A taxa nominal de balc\u00e3o da Caixa parte de <strong>11,19% a.a. + TR<\/strong> em setembro\/2026 \u2014 a menor entre os grandes bancos. A Selic est\u00e1 em 13,75% a.a. (COPOM 05\/08\/2026). A taxa final depende do score de cr\u00e9dito e relacionamento banc\u00e1rio.<\/p>\n<\/div>\n<div style=\"margin-bottom: 24px; border-bottom: 1px solid #eee; padding-bottom: 15px;\">\n<h3 style=\"font-size: 1.15rem; color: #041f30; margin-bottom: 8px;\">Vale a pena usar o simulador habitacional da Caixa?<\/h3>\n<p style=\"margin: 0; line-height: 1.7;\">O simulador oficial da Caixa mostra apenas as condi\u00e7\u00f5es dela. Use o <a style=\"color: #fe1637; font-weight: bold;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">simulador LARYA<\/a> para comparar a Caixa com outros bancos simultaneamente \u2014 incluindo BRB, Ita\u00fa, Santander, Bradesco, BB e Inter. O servi\u00e7o \u00e9 gratuito.<\/p>\n<\/div>\n<div style=\"margin-bottom: 24px; border-bottom: 1px solid #eee; padding-bottom: 15px;\">\n<h3 style=\"font-size: 1.15rem; color: #041f30; margin-bottom: 8px;\">Quando o Ita\u00fa \u00e9 melhor que a Caixa?<\/h3>\n<p style=\"margin: 0; line-height: 1.7;\">O Ita\u00fa (11,60% a.a.) vence a Caixa (11,19%) em tr\u00eas situa\u00e7\u00f5es: (1) voc\u00ea precisa de aprova\u00e7\u00e3o em at\u00e9 3 dias para n\u00e3o perder o im\u00f3vel; (2) voc\u00ea tem mais de 50 anos \u2014 o CET do Ita\u00fa pode ser menor pelo seguro; (3) voc\u00ea \u00e9 aut\u00f4nomo com renda dif\u00edcil de comprovar para a Caixa.<\/p>\n<\/div>\n<div style=\"background-color: #25d366; color: white; padding: 20px; border-radius: 50px; text-align: center; margin: 50px auto; max-width: 500px; box-shadow: 0 6px 20px rgba(37,211,102,0.4);\"><a style=\"color: white; text-decoration: none; font-weight: 800; font-size: 1.2rem; display: flex; align-items: center; justify-content: center;\" href=\"https:\/\/api.whatsapp.com\/send\/?phone=5511936232107&amp;text=Quero+comparar+taxas+dos+bancos&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\" \/>Comparar Taxas dos Bancos no WhatsApp<br \/>\n<\/a><\/div>\n<div style=\"margin-top: 60px; padding: 25px; background: #fafafa; border-radius: 12px; border: 1px solid #eee;\">\n<h3 style=\"font-size: 1.2rem; color: #333; margin-bottom: 20px;\"><strong>Conte\u00fados Relacionados:<\/strong><\/h3>\n<ul style=\"list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fit,minmax(260px,1fr)); gap: 12px;\">\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; display: block; padding-bottom: 5px;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\"> Simulador 10+ Bancos Simultaneamente<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; display: block; padding-bottom: 5px;\" href=\"https:\/\/larya.com.br\/blog\/como-funciona-o-financiamento-imobiliario-da-caixa\/\">Financiamento Caixa \u2014 Guia Completo<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; display: block; padding-bottom: 5px;\" href=\"https:\/\/larya.com.br\/blog\/qual-banco-tem-a-menor-taxa-para-financiamento-imobiliario-em-2026\/\">Ranking Completo de Taxas 2026<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; display: block; padding-bottom: 5px;\" href=\"https:\/\/larya.com.br\/tabela-sac-e-price-2026\">SAC ou Price \u2014 Qual Escolher?<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; display: block; padding-bottom: 5px;\" href=\"https:\/\/larya.com.br\/blog\/comparar-taxas-de-juros-portabilidade-de-credito-imobiliario\/\">Portabilidade de Cr\u00e9dito \u2014 Troque de Banco<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; display: block; padding-bottom: 5px;\" href=\"https:\/\/larya.com.br\/itbi\/\">Calculadora ITBI por Cidade<\/a><\/li>\n<\/ul>\n<\/div>\n<div style=\"margin-top: 40px; padding: 16px 20px; background: #f4f6f8; border-radius: 8px; border: 1px solid #e0e0e0; font-size: 13px; color: #666; line-height: 1.8;\"><strong style=\"color: #041f30; display: block; margin-bottom: 6px;\"> Metodologia e Fontes<\/strong><br \/>\nParcelas calculadas com f\u00f3rmulas oficiais do Banco Central (Price e SAC). Taxas nominais de balc\u00e3o monitoradas pela LARYA Market Intelligence \u2014 Setembro\/2026. Selic: 13,75% a.a. (COPOM 05\/08\/2026). MCMV: Minist\u00e9rio das Cidades (22\/04\/2026). Fontes: <a style=\"color: #041f30;\" href=\"https:\/\/www.abecip.org.br\/\" target=\"_blank\" rel=\"noopener\">ABECIP<\/a>, <a style=\"color: #041f30;\" href=\"https:\/\/www.bcb.gov.br\" target=\"_blank\" rel=\"noopener\">Banco Central do Brasil<\/a>. Conte\u00fado informativo \u2014 o CET final varia por cliente.<\/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;17117&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;2&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 - (2 votos)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Simulador Habitacional Caixa 2026: Veja a Menor Parcela&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 - (2 votos)    <\/div>\n    <\/div>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>Resposta direta: A Caixa Econ\u00f4mica Federal tem a menor taxa de balc\u00e3o do mercado: 11,19% a.a. + TR. Entre os 7 grandes bancos analisados pela LARYA, a diferen\u00e7a entre a menor e a maior taxa representa at\u00e9 R$270.000 a mais em juros em 30 anos. Simule abaixo e veja qual banco entrega a menor parcela&#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":52,"featured_media":17149,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2513],"tags":[3362,3420,3421,3423,3422,1520,3418,3419,2701,2676,2782,3178,3417,2634,4264,4261,2792,2789,3415,3416],"class_list":["post-17117","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiamento-imobiliario","tag-caixa-imovel-usado","tag-caixa-simulacao-financiamento","tag-caixa-simulador-de-financiamento","tag-caixa-simular-financiamento","tag-calculadora-financiamento","tag-credito-imobiliario","tag-financiamento-caixa-simulacao","tag-financiamento-caixa-simulador","tag-financiamento-com-fgts","tag-larya","tag-simulacao-de-financiamento","tag-simulacao-financiamento-caixa","tag-simulacao-financiamento-imovel","tag-simulador","tag-simulador-caixa-habitacao","tag-simulador-caixa-habitacional","tag-simulador-de-financiamento","tag-simulador-de-financiamento-imobiliario","tag-simulador-habitacional-caixa","tag-simular-financiamento"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Simulador habitacional Caixa 2026: veja parcela, renda, FGTS e regras. 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