{"id":17491,"date":"2026-07-30T08:00:00","date_gmt":"2026-07-30T11:00:00","guid":{"rendered":"https:\/\/larya.com.br\/blog\/?p=17491"},"modified":"2026-07-30T10:22:31","modified_gmt":"2026-07-30T13:22:31","slug":"qual-a-renda-para-financiar-um-imovel-de-r-2-5-milhao","status":"publish","type":"post","link":"https:\/\/larya.com.br\/blog\/qual-a-renda-para-financiar-um-imovel-de-r-2-5-milhao\/","title":{"rendered":"Qual a Renda para Financiar um Im\u00f3vel de R$ 2,5 Milh\u00f5es"},"content":{"rendered":"<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"VideoObject\",\n  \"name\": \"Se eu financiar 2,5 milh\u00f5es, quanto vou pagar? | Simula\u00e7\u00e3o Real 2026\",\n  \"description\": \"Simula\u00e7\u00e3o completa do financiamento de R$2.500.000 em 2026. BRB: R$24.488\/m\u00eas (SAC). Renda m\u00ednima: R$81.626. Comparamos 6 bancos no segmento SFI \u2014 Ita\u00fa Personnalit\u00e9, Santander Select e Bradesco Prime. A Caixa n\u00e3o financia nesse valor.\",\n  \"thumbnailUrl\": \"https:\/\/img.youtube.com\/vi\/hltVFkOpnzA\/hqdefault.jpg\",\n  \"uploadDate\": \"2026-04-28T10:00:00-03:00\",\n  \"duration\": \"PT2M36S\",\n  \"contentUrl\": \"https:\/\/youtube.com\/shorts\/hltVFkOpnzA\",\n  \"embedUrl\": \"https:\/\/www.youtube.com\/embed\/hltVFkOpnzA\",\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"LARYA\",\n    \"logo\": { \"@type\": \"ImageObject\", \"url\": \"https:\/\/larya.com.br\/logo.png\" }\n  }\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quanto fica a parcela de um financiamento de 2,5 milh\u00f5es?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Financiando 80% (R$2.000.000) em 360 meses pela Tabela SAC, a primeira parcela fica em torno de R$24.488 no BRB (11,36% a.a.) em Julho de 2026. A diferen\u00e7a entre o melhor e o pior banco \u00e9 de R$1.440.000 ao longo do contrato.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qual a renda para financiar um im\u00f3vel de 2,5 milh\u00f5es?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A renda familiar bruta exigida \u00e9 de aproximadamente R$81.626 no BRB (Tabela SAC, 360 meses) com entrada de 20%. A an\u00e1lise \u00e9 feita por Mesa de Cr\u00e9dito e aceita distribui\u00e7\u00e3o de lucros, rendimentos financeiros e rendimentos de alugu\u00e9is.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Posso usar FGTS em im\u00f3vel de 2,5 milh\u00f5es?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"N\u00e3o. O teto do SFH \u00e9 de R$2,25 milh\u00f5es. Im\u00f3veis de R$2,5 milh\u00f5es pertencem ao SFI (Sistema de Financiamento Imobili\u00e1rio) e n\u00e3o permitem uso do FGTS na aquisi\u00e7\u00e3o.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"A Caixa Econ\u00f4mica financia im\u00f3vel de 2,5 milh\u00f5es?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Raramente com condi\u00e7\u00f5es competitivas. Para im\u00f3veis de R$2,5 milh\u00f5es (SFI), os melhores bancos s\u00e3o BRB, Ita\u00fa Personnalit\u00e9, Santander Select e Bradesco Prime, que t\u00eam produtos espec\u00edficos para o segmento de alta renda.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qual a entrada m\u00ednima para financiar 2,5 milh\u00f5es?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A entrada m\u00ednima padr\u00e3o \u00e9 de 20% (R$500.000). Em negocia\u00e7\u00f5es Private, \u00e9 poss\u00edvel reduzir para 14,25% dependendo do banco e das garantias adicionais apresentadas.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Article\",\n  \"headline\": \"Quanto Fica a Parcela de um Financiamento de 2,5 Milh\u00f5es? Renda e Simula\u00e7\u00e3o 2026\",\n  \"description\": \"Parcela de R$2,5 milh\u00f5es financiado come\u00e7a em R$24.488\/m\u00eas no BRB (SAC). Veja renda exigida, regras SFI e comparativo com 6 bancos em 2026. Simule gr\u00e1tis.\",\n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"LARYA Cr\u00e9dito Imobili\u00e1rio\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"LARYA\",\n    \"logo\": { \"@type\": \"ImageObject\", \"url\": \"https:\/\/larya.com.br\/logo.png\" }\n  },\n  \"datePublished\": \"2026-02-05\",\n  \"dateModified\": \"2026-04-28\"\n}\n<\/script><\/p>\n<div style=\"font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; color: #333; line-height: 1.8; font-size: 17px; width: 100%;\">\n<div style=\"background-color: #f4f6f8; padding: 25px; border-left: 5px solid #fe1637; margin-bottom: 40px;\">\n<p style=\"margin: 0; font-weight: 500; font-size: 1.15rem;\"><strong>Qual a renda exigida para financiar 2,5 milh\u00f5es?<\/strong><br \/>\nPara financiar um im\u00f3vel de <strong>R$2.500.000<\/strong> em 2026, com entrada de 20% (R$500 mil), a renda familiar bruta exigida varia entre <strong>R$81.626 e R$94.960<\/strong>. A primeira parcela no sistema SAC gira em torno de <strong>R$24.488<\/strong> no BRB. Aten\u00e7\u00e3o: este valor pertence ao <strong>SFI<\/strong> (acima do teto de R$2,25 mi), o que impede o uso do FGTS e afasta a Caixa da competi\u00e7\u00e3o. Com a <strong>Selic em 14,25% a.a.<\/strong>, a negocia\u00e7\u00e3o de taxa com os bancos Private nunca foi t\u00e3o estrat\u00e9gica.<\/p>\n<\/div>\n<p>Adquirir um im\u00f3vel de <strong>R$2,5 milh\u00f5es<\/strong> \u00e9 entrar na elite do mercado imobili\u00e1rio. Ao cruzar a barreira dos R$2,25 milh\u00f5es, voc\u00ea sai da zona de prote\u00e7\u00e3o do SFH e entra no <strong>SFI (Sistema de Financiamento Imobili\u00e1rio)<\/strong> \u2014 onde os juros s\u00e3o negociados livremente e a an\u00e1lise de cr\u00e9dito \u00e9 feita sob medida por Mesa de Cr\u00e9dito Private.<\/p>\n<p>Neste patamar, as regras do jogo mudam completamente. Mas tamb\u00e9m muda o poder de negocia\u00e7\u00e3o. Neste <strong>Dossi\u00ea T\u00e9cnico LARYA<\/strong>, desvendamos a engenharia financeira para aprovar esse cr\u00e9dito nos melhores bancos e como estruturar a opera\u00e7\u00e3o para pagar menos juros.<\/p>\n<div style=\"width: 100%; text-align: center; margin: 50px 0;\">\n<p><a style=\"background-color: #fe1637; color: #ffffff; padding: 20px 50px; text-decoration: none; border-radius: 50px; font-weight: 800; font-family: 'Montserrat', sans-serif; font-size: 1.2rem; box-shadow: 0 4px 15px rgba(254, 22, 55, 0.4); display: inline-block;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">SIMULAR FINANCIAMENTO SFI NO MEU CPF \u2192<\/a><\/p>\n<p style=\"margin-top: 15px; font-size: 0.9rem; color: #666;\">Compare as taxas do BRB, Santander e Ita\u00fa.<\/p>\n<\/div>\n<div style=\"background-color: #fff3cd; border-radius: 12px; padding: 30px; margin: 40px 0; border: 1px solid #ffecb5;\">\n<h3 style=\"color: #856404; margin-top: 0;\">&#x26a0;&#xfe0f; Alerta de Mercado: Regras SFI Julho\/2026<\/h3>\n<p>Seu im\u00f3vel custa R$2,5 milh\u00f5es \u2014 acima do teto SFH de R$2,25 mi. O que muda:<\/p>\n<ul style=\"margin-bottom: 0;\">\n<li style=\"margin-bottom: 10px;\"><strong>Caixa Fora do Jogo:<\/strong> A Caixa foca no SFH. Para R$2,5 milh\u00f5es, as melhores taxas est\u00e3o no BRB, Ita\u00fa Personnalit\u00e9, Santander Select e Bradesco Prime.<\/li>\n<li style=\"margin-bottom: 10px;\"><strong>Sem FGTS na Entrada:<\/strong> Pela regra geral, voc\u00ea <strong>n\u00e3o pode<\/strong> usar o FGTS para pagar os R$500 mil de entrada. O valor deve ser liquidez pr\u00f3pria \u2014 investimentos, venda de bens ou b\u00f4nus.<\/li>\n<li><strong>Negocia\u00e7\u00e3o Total:<\/strong> Neste valor, o gerente tem autonomia. A taxa de balc\u00e3o pode cair se voc\u00ea transferir investimentos para o banco \u2014 isso \u00e9 o seu maior ativo na negocia\u00e7\u00e3o.<\/li>\n<\/ul>\n<\/div>\n<div style=\"background-color: #fff; border: 1px solid #e0e0e0; border-radius: 16px; padding: 30px; margin: 40px 0; box-shadow: 0 5px 20px rgba(0,0,0,0.05);\">\n<h3 style=\"margin: 0 0 20px 0; color: #041f30; font-size: 1.4rem;\">&#x1f4ca; Raio-X R$2,5 Milh\u00f5es (Julho\/2026)<\/h3>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px;\">\n<div style=\"border-right: 1px solid #eee;\"><span style=\"display: block; font-size: 0.9rem; color: #666; font-weight: bold; text-transform: uppercase;\">Valor Im\u00f3vel<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #041f30;\">R$ 2,5 Mi<\/span><\/div>\n<div style=\"border-right: 1px solid #eee;\"><span style=\"display: block; font-size: 0.9rem; color: #666; font-weight: bold; text-transform: uppercase;\">Entrada (20%)<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #fe1637;\">R$ 500.000<\/span><\/div>\n<div style=\"border-right: 1px solid #eee;\"><span style=\"display: block; font-size: 0.9rem; color: #666; font-weight: bold; text-transform: uppercase;\">Renda M\u00ednima<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #28a745;\">R$ 81.626+<\/span><\/div>\n<div><span style=\"display: block; font-size: 0.9rem; color: #666; font-weight: bold; text-transform: uppercase;\">Regime<\/span><br \/>\n<span style=\"display: block; font-size: 1.6rem; font-weight: 800; color: #3a2fa3;\">SFI<\/span><\/div>\n<\/div>\n<p style=\"font-size: 0.8rem; color: #888; margin-top: 15px;\">*C\u00e1lculo base SAC 360 meses. Selic: 14,25% a.a. (Julho\/2026). Sem FGTS. Renda pode ser composta por m\u00faltiplas fontes.<\/p>\n<\/div>\n<div style=\"background-color: #e3f2fd; border-left: 6px solid #2196f3; padding: 20px; margin: 30px 0; border-radius: 0 8px 8px 0;\">\n<h4 style=\"margin-top: 0; color: #0d47a1;\">&#x1f4a1; Entrada maior = renda menor exigida<\/h4>\n<p style=\"margin-bottom: 0; color: #333;\">Com entrada de 40% (R$1Mi), o saldo financiado cai para R$1.500.000 e a renda necess\u00e1ria despenca para ~R$55.000. Com 50% (R$1,25Mi), cai para ~R$46.000. No SFI, entrada maior tamb\u00e9m abre espa\u00e7o para negocia\u00e7\u00e3o de taxa mais agressiva.<\/p>\n<\/div>\n<p><!-- ============================================================\n     BLOCO DE AUTORIDADE LARYA \u2014 UNIVERSAL\n     Inserir em TODOS os artigos, logo ACIMA do question\u00e1rio.\n     Atualizado com m\u00e9tricas oficiais LARYA em 29\/06\/2026.\n     ============================================================ --><\/p>\n<div style=\"margin:60px 0;padding:36px 40px;background:#f4f6f8;border-radius:16px;border:1px solid #e0e0e0;\">\n<div style=\"display:flex;align-items:flex-start;gap:20px;flex-wrap:wrap;\">\n<p>    <!-- Logo \/ marca --><\/p>\n<div style=\"flex-shrink:0;\">\n<div style=\"width:56px;height:56px;background:#fe1637;border-radius:12px;display:flex;align-items:center;justify-content:center;\">\n        <svg width=\"32\" height=\"28\" viewBox=\"0 0 32 28\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n          <path d=\"M2 26 L2 10 L16 2 L30 10 L30 26\" stroke=\"white\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" fill=\"none\"\/>\n          <path d=\"M12 26 L12 18 L20 18 L20 26\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" fill=\"none\"\/>\n        <\/svg>\n      <\/div>\n<\/p><\/div>\n<p>    <!-- Texto principal --><\/p>\n<div style=\"flex:1;min-width:260px;\">\n<p style=\"margin:0 0 6px;font-size:11px;font-weight:700;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;line-height:1.3;\">\n        Correspondente Banc\u00e1rio Credenciado \u2014 S\u00e3o Paulo, SP<br \/>\n      <\/h3>\n<p style=\"margin:0 0 16px;font-size:15px;color:#444;line-height:1.75;\">\n        A <strong>LARYA<\/strong> \u00e9 um correspondente banc\u00e1rio credenciado especializado em cr\u00e9dito imobili\u00e1rio, com sede em S\u00e3o Paulo. Operamos com <strong>mais de 10 bancos e institui\u00e7\u00f5es<\/strong> \u2014 incluindo Caixa Econ\u00f4mica Federal, Ita\u00fa, Santander, Bradesco, BRB, Banco do Brasil, Inter, CashMe, OXY, Galleria e Bari \u2014 e submetemos a proposta de cada cliente em m\u00faltiplas institui\u00e7\u00f5es para buscar a melhor condi\u00e7\u00e3o dispon\u00edvel para o perfil espec\u00edfico de cada pessoa. O servi\u00e7o de assessoria \u00e9 <strong>gratuito para o comprador<\/strong>: nossa remunera\u00e7\u00e3o vem dos bancos parceiros, sem custos ocultos. Somos avaliados com <strong>5,0 estrelas<\/strong> em 56 avalia\u00e7\u00f5es no Google Maps.\n      <\/p>\n<p>      <!-- M\u00e9tricas r\u00e1pidas --><\/p>\n<div style=\"display:flex;flex-wrap:wrap;gap:24px;margin-bottom:20px;\">\n<div>\n          <span style=\"display:block;font-size:1.5rem;font-weight:800;color:#fe1637;\">+10<\/span><br \/>\n          <span style=\"font-size:12px;color:#666;text-transform:uppercase;letter-spacing:0.5px;\">Bancos e institui\u00e7\u00f5es<\/span>\n        <\/div>\n<div>\n          <span style=\"display:block;font-size:1.5rem;font-weight:800;color:#fe1637;\">5,0 \u2605<\/span><br \/>\n          <span style=\"font-size:12px;color:#666;text-transform:uppercase;letter-spacing:0.5px;\">Google Maps (56 av.)<\/span>\n        <\/div>\n<div>\n          <span style=\"display:block;font-size:1.5rem;font-weight:800;color:#fe1637;\">R$0<\/span><br \/>\n          <span style=\"font-size:12px;color:#666;text-transform:uppercase;letter-spacing:0.5px;\">Custo para o cliente<\/span>\n        <\/div>\n<div>\n          <span style=\"display:block;font-size:1.5rem;font-weight:800;color:#fe1637;\">CAIXA<\/span><br \/>\n          <span style=\"font-size:12px;color:#666;text-transform:uppercase;letter-spacing:0.5px;\">Correspondente Aqui<\/span>\n        <\/div>\n<\/p><\/div>\n<p>      <!-- CTAs --><\/p>\n<div style=\"display:flex;flex-wrap:wrap;gap:12px;\">\n        <a href=\"https:\/\/larya.com.br\/simulador-habitacional\"\n           style=\"background:#041f30;color:#fff;padding:13px 24px;border-radius:8px;font-weight:700;font-size:14px;text-decoration:none;display:inline-block;\"><br \/>\n          Simular meu financiamento \u2192<br \/>\n        <\/a><br \/>\n        <a href=\"https:\/\/api.whatsapp.com\/send\/?phone=5511936232107&#038;text=Ol\u00e1%2C+vim+pelo+blog+LARYA+e+quero+saber+minhas+condi\u00e7\u00f5es&#038;type=phone_number&#038;app_absent=0\"\n           style=\"background:#25d366;color:#fff;padding:13px 24px;border-radius:8px;font-weight:700;font-size:14px;text-decoration:none;display:inline-block;\"><br \/>\n          &#x1f4ac; Falar com especialista<br \/>\n        <\/a>\n      <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- FIM DO BLOCO DE AUTORIDADE LARYA --><\/p>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 60px;\">Ranking Oficial SFI: Quem financia R$2 milh\u00f5es mais barato? (Julho\/2026)<\/h2>\n<p>Simulamos o financiamento de <strong>R$2.000.000<\/strong> (80% do valor) em 360 meses usando a <strong>Tabela SAC<\/strong>. A Caixa n\u00e3o participa \u2014 foca no SFH:<\/p>\n<div style=\"overflow-x: auto; margin: 30px 0; border-radius: 10px; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: collapse; min-width: 700px;\">\n<thead>\n<tr style=\"background-color: #041f30; color: white;\">\n<th style=\"padding: 15px; text-align: left;\">Ranking<\/th>\n<th style=\"padding: 15px; text-align: left;\">Banco<\/th>\n<th style=\"padding: 15px; text-align: center;\">Taxa SFI (a.a.)<\/th>\n<th style=\"padding: 15px; text-align: center;\">1\u00aa Parcela (SAC)<\/th>\n<th style=\"padding: 15px; text-align: center;\">Renda Exigida<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #e8f5e9; border-left: 5px solid #28a745;\">\n<td style=\"padding: 15px; font-weight: bold; color: #28a745;\">#1 &#x1f3c6;<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">BRB<\/td>\n<td style=\"padding: 15px; text-align: center; font-weight: bold;\">11,36%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 24.488,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #041f30; font-weight: 800;\">R$ 81.626,00<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 15px; font-weight: bold;\">#2<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">Ita\u00fa Personnalit\u00e9<\/td>\n<td style=\"padding: 15px; text-align: center;\">11,60%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 24.888,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 82.960,00<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #f9f9f9;\">\n<td style=\"padding: 15px; font-weight: bold;\">#3<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">Santander Select<\/td>\n<td style=\"padding: 15px; text-align: center;\">11,69%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 25.038,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 83.460,00<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee;\">\n<td style=\"padding: 15px; font-weight: bold;\">#4<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">Bradesco Prime<\/td>\n<td style=\"padding: 15px; text-align: center;\">11,70%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 25.055,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 83.516,00<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #eee; background-color: #f9f9f9;\">\n<td style=\"padding: 15px; font-weight: bold;\">#5<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">Banco do Brasil<\/td>\n<td style=\"padding: 15px; text-align: center;\">11,60%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 25.555,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #555;\">R$ 85.183,00<\/td>\n<\/tr>\n<tr style=\"background-color: #ffebee; border-left: 5px solid #c62828;\">\n<td style=\"padding: 15px; font-weight: bold; color: #c62828;\">#6<\/td>\n<td style=\"padding: 15px; font-weight: bold;\">Banco Inter<\/td>\n<td style=\"padding: 15px; text-align: center; font-weight: bold;\">14,63%<\/td>\n<td style=\"padding: 15px; text-align: center;\">R$ 28.488,00<\/td>\n<td style=\"padding: 15px; text-align: center; color: #c62828; font-weight: 800;\">R$ 94.960,00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"font-size: 0.85rem; color: #666;\"><em>*Valores estimados com entrada de 20% (R$500k). Taxas SFI podem variar conforme relacionamento banc\u00e1rio e volume de investimentos. Fonte: LARYA Market Intelligence (Julho\/2026).<\/em><\/p>\n<div style=\"background-color: #041f30; color: white; padding: 15px; border-radius: 8px; margin: 20px 0; text-align: center;\"><strong style=\"font-size: 1.1rem;\">&#x1f4b8; Diferen\u00e7a entre BRB e Inter: R$4.000\/m\u00eas = R$1.440.000 em 30 anos<\/strong><\/div>\n<div style=\"width: 100%; text-align: center; margin: 40px 0;\">\n<p style=\"margin-bottom: 15px; font-weight: bold; color: #041f30; font-size: 1.1rem;\">&#x1f4f9; Simula\u00e7\u00e3o ao vivo: quanto fica a parcela de R$2,5 milh\u00f5es?<\/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=\"Se eu financiar 2,5 milh\u00f5es, quanto vou pagar? Simula\u00e7\u00e3o Real 2026\" src=\"https:\/\/www.youtube.com\/embed\/hltVFkOpnzA?rel=0&amp;modestbranding=1\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<\/div>\n<div style=\"background-color: #25d366; color: white; padding: 18px 30px; border-radius: 50px; text-align: center; margin: 40px auto; max-width: 500px; box-shadow: 0 6px 20px rgba(37, 211, 102, 0.4);\"><a style=\"color: white; text-decoration: none; font-weight: 800; font-size: 1.1rem; display: flex; align-items: center; justify-content: center;\" href=\"https:\/\/api.whatsapp.com\/send\/?phone=5511936232107&#038;text=Ol%C3%A1%2C+vim+pelo+blog+LARYA&#038;type=phone_number&#038;app_absent=0\"><br \/>\n<img decoding=\"async\" style=\"margin-right: 12px;\" src=\"https:\/\/upload.wikimedia.org\/wikipedia\/commons\/6\/6b\/WhatsApp.svg\" alt=\"WhatsApp\" width=\"28\" height=\"28\" \/> Falar com Especialista SFI LARYA<br \/>\n<\/a><\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">O Custo de Esperar: Quanto voc\u00ea perde a cada m\u00eas?<\/h2>\n<p>Com o IGMI-R da ABECIP registrando <strong>18,64% de valoriza\u00e7\u00e3o em 2025<\/strong>, adiar a compra de um im\u00f3vel de R$2,5 milh\u00f5es tem um custo brutal.<\/p>\n<div style=\"background-color: #fff3cd; border-left: 5px solid #ffc107; padding: 20px; margin: 20px 0; border-radius: 0 8px 8px 0;\">\n<p><strong style=\"color: #856404;\">&#x1f4c8; Matem\u00e1tica do Adiamento:<\/strong><\/p>\n<ul style=\"margin-top: 10px; margin-bottom: 0;\">\n<li>Valoriza\u00e7\u00e3o mensal m\u00e9dia: ~1,55% (18,64% \u00f7 12)<\/li>\n<li>Custo de esperar 1 m\u00eas: <strong>R$38.750<\/strong> de valoriza\u00e7\u00e3o perdida<\/li>\n<li>Custo de esperar 6 meses: <strong>R$232.500<\/strong><\/li>\n<li>Custo de esperar 1 ano: <strong>~R$466.000<\/strong><\/li>\n<\/ul>\n<p style=\"margin-top: 12px; margin-bottom: 0; color: #856404;\"><strong>Estrat\u00e9gia inteligente:<\/strong> Aprovar o cr\u00e9dito agora e usar portabilidade futuramente se a Selic cair \u2014 voc\u00ea n\u00e3o perde a valoriza\u00e7\u00e3o e ainda melhora a taxa depois.<\/p>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">Armadilha da Idade \u2014 Regra dos 80 Anos<\/h2>\n<p>O Banco Central limita o prazo m\u00e1ximo pela <strong>Regra dos 80 anos e 6 meses<\/strong>: a soma da sua idade atual com o prazo do contrato n\u00e3o pode ultrapassar 80 anos e 6 meses.<\/p>\n<div style=\"background-color: #ffebee; border-left: 5px solid #c62828; padding: 20px; margin: 20px 0; border-radius: 0 8px 8px 0;\">\n<p><strong style=\"color: #c62828;\">&#x26a0;&#xfe0f; Exemplos pr\u00e1ticos para R$2,5 milh\u00f5es:<\/strong><\/p>\n<ul style=\"margin-top: 10px; margin-bottom: 0;\">\n<li>Com <strong>40 anos<\/strong>: prazo m\u00e1ximo 360 meses \u2192 parcela R$24.488 &#x2705;<\/li>\n<li>Com <strong>50 anos<\/strong>: prazo m\u00e1ximo ~306 meses \u2192 parcela sobe para ~R$29.200 &#x26a0;&#xfe0f;<\/li>\n<li>Com <strong>55 anos<\/strong>: prazo m\u00e1ximo ~246 meses \u2192 parcela sobe para ~R$33.100 &#x274c;<\/li>\n<\/ul>\n<p style=\"margin-top: 12px; margin-bottom: 0;\">A solu\u00e7\u00e3o: incluir um proponente mais jovem na composi\u00e7\u00e3o de renda para garantir o prazo m\u00e1ximo de 360 meses.<\/p>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">O &#8220;Ped\u00e1gio&#8221; SFI: R$125 Mil em Custos<\/h2>\n<p>A burocracia para im\u00f3veis de R$2,5 milh\u00f5es \u00e9 pesada. Se voc\u00ea descapitalizar tudo na entrada, n\u00e3o conseguir\u00e1 registrar o im\u00f3vel.<\/p>\n<div style=\"background-color: #e8f5e9; border-left: 5px solid #28a745; padding: 20px; margin: 20px 0; border-radius: 0 8px 8px 0;\">\n<p><strong style=\"color: #1b5e20;\">&#x1f4a1; Resumo dos custos extras para R$2,5 milh\u00f5es:<\/strong><\/p>\n<ul style=\"margin-top: 10px; margin-bottom: 0;\">\n<li>ITBI (3%): R$75.000 \u2014 \u00e0 vista, em guia \u00fanica<\/li>\n<li>Registro em cart\u00f3rio: ~R$20.000 a R$25.000 (teto m\u00e1ximo em SP\/RJ)<\/li>\n<li>Taxas banc\u00e1rias SFI: ~R$5.000<\/li>\n<li>Advogado\/Due Diligence: ~R$10.000 \u2014 essencial no SFI para blindagem jur\u00eddica<\/li>\n<li><strong>Total: ~R$110.000 a R$125.000<\/strong><\/li>\n<\/ul>\n<p style=\"margin-top: 12px; margin-bottom: 0;\">No Ita\u00fa Personnalit\u00e9 e Santander Select, voc\u00ea pode financiar at\u00e9 5% do valor do im\u00f3vel para cobrir essas despesas, diluindo o custo nas parcelas mensais.<\/p>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">O Pulo do Gato no SFI: Negocia\u00e7\u00e3o de Taxa via Investimentos<\/h2>\n<p>No SFI n\u00e3o h\u00e1 FGTS \u2014 mas h\u00e1 algo ainda mais poderoso: <strong>poder de negocia\u00e7\u00e3o<\/strong>.<\/p>\n<div style=\"background-color: #f4f6f8; border-left: 5px solid #3a2fa3; padding: 20px; margin: 20px 0; border-radius: 0 8px 8px 0;\">\n<p><strong style=\"color: #3a2fa3;\">&#x1f3af; A alavanca que poucos usam: transfer\u00eancia de investimentos.<\/strong><\/p>\n<p style=\"margin-top: 10px; margin-bottom: 0;\">Banco A oferece 11,60% a.a. de taxa de balc\u00e3o. Voc\u00ea transfere R$500k em investimentos para esse banco.<br \/>\n\u2192 Banco reduz para 10,90% a.a.<br \/>\n\u2192 Diferen\u00e7a de 0,70% a.a. sobre R$2.000.000 em SAC = economia de <strong>~R$320.000<\/strong> ao longo do contrato.<\/p>\n<p>Al\u00e9m disso, use a concorr\u00eancia a seu favor: pe\u00e7a proposta simult\u00e2nea ao BRB, Ita\u00fa Personnalit\u00e9 e Santander Select. O banco que quiser fechar vai baixar a taxa. A LARYA faz essa negocia\u00e7\u00e3o para voc\u00ea.<\/p>\n<\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">Estrat\u00e9gia: Como comprovar R$82.000 de Renda?<\/h2>\n<p>Para R$2,5 milh\u00f5es, o cliente \u00e9 tratado como Private. A an\u00e1lise \u00e9 manual e aceita muito mais flexibilidade:<\/p>\n<p><strong>Cen\u00e1rio de Aprova\u00e7\u00e3o (Exemplo Empresarial):<\/strong><\/p>\n<ul>\n<li><strong>Proponente A (Empres\u00e1rio):<\/strong> Pr\u00f3-labore R$25.000 + Distribui\u00e7\u00e3o de Lucros R$40.000 (isenta de IR)<\/li>\n<li><strong>Proponente B (C\u00f4njuge):<\/strong> Rendimentos de Aplica\u00e7\u00f5es Financeiras R$20.000<\/li>\n<li><strong>Total:<\/strong> R$85.000 &#x2705; Aprovado<\/li>\n<\/ul>\n<p><strong>Dica LARYA:<\/strong> No SFI, os bancos valorizam muito o <strong>Patrim\u00f4nio L\u00edquido<\/strong>. Apresentar sua declara\u00e7\u00e3o de bens \u2014 im\u00f3veis quitados, ve\u00edculos, investimentos \u2014 ajuda a reduzir a taxa de juros, pois diminui o risco percebido da opera\u00e7\u00e3o.<\/p>\n<div style=\"width: 100%; text-align: center; margin: 40px 0;\"><a style=\"display: inline-block; background-color: #041f30; color: white; padding: 16px 40px; border-radius: 50px; text-decoration: none; font-weight: 800; font-size: 1rem; box-shadow: 0 4px 10px rgba(4, 31, 48, 0.3);\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">SIMULAR COM RENDA DE INVESTIMENTOS \u2192<\/a><\/div>\n<h2 style=\"color: #041f30; font-weight: 800; font-size: 1.8rem; margin-top: 50px;\">SAC ou Price para R$2,5 Milh\u00f5es?<\/h2>\n<p>Com uma d\u00edvida de R$2.000.000, a Tabela Price \u00e9 uma armadilha matem\u00e1tica.<\/p>\n<ul>\n<li><strong>SAC (Recomendada):<\/strong> Parcela come\u00e7a em R$24.488 e cai mensalmente. Amortiza\u00e7\u00e3o real de ~R$5.555\/m\u00eas desde o in\u00edcio. <strong>Escolha da LARYA.<\/strong><\/li>\n<li><strong>Price (Evitar):<\/strong> Parcela fixa de ~R$22.500. Nos primeiros anos, voc\u00ea paga ~90% de juros e apenas ~10% da d\u00edvida. O saldo devedor quase n\u00e3o se move.<\/li>\n<\/ul>\n<p>Entenda mais: <a style=\"color: #fe1637; font-weight: bold; text-decoration: underline;\" href=\"https:\/\/larya.com.br\/blog\/sac-ou-price-qual-a-melhor-tabela-para-financiar-em-2026\/\">SAC vs Price \u2014 an\u00e1lise completa 2026<\/a><\/p>\n<h2 style=\"color: #041f30; font-weight: 800; margin-top: 50px;\">Perguntas Frequentes (FAQ)<\/h2>\n<div style=\"border-bottom: 1px solid #eee; padding-bottom: 20px; margin-bottom: 20px;\">\n<h3 style=\"font-size: 1.2rem; color: #041f30; margin-bottom: 10px;\">Quanto fica a parcela de 2,5 milh\u00f5es financiado?<\/h3>\n<p>A parcela inicial gira em torno de R$24.488 no BRB (SAC) e R$24.888 no Ita\u00fa Personnalit\u00e9 em Julho de 2026. A diferen\u00e7a entre o melhor e o pior banco \u00e9 de R$1.440.000 ao longo do contrato.<\/p>\n<\/div>\n<div style=\"border-bottom: 1px solid #eee; padding-bottom: 20px; margin-bottom: 20px;\">\n<h3 style=\"font-size: 1.2rem; color: #041f30; margin-bottom: 10px;\">Qual a renda para financiar um im\u00f3vel de 2,5 milh\u00f5es?<\/h3>\n<p>A renda familiar bruta exigida \u00e9 de aproximadamente R$81.626. A an\u00e1lise aceita distribui\u00e7\u00e3o de lucros, rendimentos financeiros e de alugu\u00e9is, al\u00e9m de patrim\u00f4nio declarado.<\/p>\n<\/div>\n<div style=\"border-bottom: 1px solid #eee; padding-bottom: 20px; margin-bottom: 20px;\">\n<h3 style=\"font-size: 1.2rem; color: #041f30; margin-bottom: 10px;\">Posso usar FGTS em im\u00f3vel de 2,5 milh\u00f5es?<\/h3>\n<p>N\u00e3o. O teto do SFH \u00e9 de R$2,25 milh\u00f5es. Im\u00f3veis de R$2,5 milh\u00f5es pertencem ao SFI e n\u00e3o permitem uso do FGTS na aquisi\u00e7\u00e3o.<\/p>\n<\/div>\n<div style=\"border-bottom: 1px solid #eee; padding-bottom: 20px; margin-bottom: 20px;\">\n<h3 style=\"font-size: 1.2rem; color: #041f30; margin-bottom: 10px;\">Qual a entrada m\u00ednima para 2,5 milh\u00f5es?<\/h3>\n<p>A entrada m\u00ednima padr\u00e3o \u00e9 de 20% (R$500.000). Em negocia\u00e7\u00f5es Private, \u00e9 poss\u00edvel reduzir para 14,25% dependendo do banco e das garantias adicionais apresentadas.<\/p>\n<\/div>\n<div style=\"margin-top: 40px; padding: 30px; background-color: #fafafa; border-radius: 12px; border: 1px solid #eee;\">\n<h3 style=\"font-size: 1.3rem; color: #333; margin-bottom: 20px; text-align: center;\"><strong>Simule agora \u2014 escolha o melhor caminho:<\/strong><\/h3>\n<ul style=\"list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 15px;\">\n<li><a style=\"color: #fff; background-color: #fe1637; text-decoration: none; padding: 14px 20px; border-radius: 8px; display: block; font-weight: bold; text-align: center;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">&#x1f3e0; Simulador Habitacional LARYA<\/a><\/li>\n<li><a style=\"color: #fff; background-color: #3a2fa3; text-decoration: none; padding: 14px 20px; border-radius: 8px; display: block; font-weight: bold; text-align: center;\" href=\"https:\/\/larya.com.br\/simulador-financiamento-2026\">&#x1f4c8; Simulador Financiamento 2026<\/a><\/li>\n<li><a style=\"color: #fff; background-color: #041f30; text-decoration: none; padding: 14px 20px; border-radius: 8px; display: block; font-weight: bold; text-align: center;\" href=\"https:\/\/larya.com.br\">&#x1f50e; Conhe\u00e7a a LARYA<\/a><\/li>\n<\/ul>\n<\/div>\n<div style=\"background-color: #25d366; color: white; padding: 20px; border-radius: 50px; text-align: center; margin: 40px auto; max-width: 500px; box-shadow: 0 6px 20px rgba(37, 211, 102, 0.4);\"><a style=\"color: white; text-decoration: none; font-weight: 800; font-size: 1.2rem; display: flex; align-items: center; justify-content: center;\" href=\"https:\/\/api.whatsapp.com\/send\/?phone=5511936232107&#038;text=Ol%C3%A1%2C+vim+pelo+blog+LARYA&#038;type=phone_number&#038;app_absent=0\"><br \/>\n<img decoding=\"async\" style=\"margin-right: 12px;\" src=\"https:\/\/upload.wikimedia.org\/wikipedia\/commons\/6\/6b\/WhatsApp.svg\" alt=\"WhatsApp\" width=\"28\" height=\"28\" \/> Falar com Especialista SFI<br \/>\n<\/a><\/div>\n<div style=\"margin-top: 40px; background-color: #fafafa; padding: 30px; border-radius: 12px; border-top: 1px solid #eee;\">\n<h3 style=\"font-size: 1.3rem; color: #333; margin-bottom: 25px;\"><strong>Guias Relacionados:<\/strong><\/h3>\n<ul style=\"list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 20px;\">\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/blog\/qual-a-renda-para-financiar-um-imovel-de-r-2-milhao\/\">Financiar im\u00f3vel de R$2 milh\u00f5es<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/blog\/qual-renda-voce-precisa-para-financiar-um-imovel-de-3-milhoes\/\">Financiar im\u00f3vel de R$3 milh\u00f5es<\/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\/itbi\/\">Calculadora de Custos SFI<\/a><\/li>\n<li><a style=\"color: #041f30; text-decoration: none; border-bottom: 1px solid #ddd; padding-bottom: 5px; display: block;\" href=\"https:\/\/larya.com.br\/simulador-habitacional\">Simulador Oficial LARYA<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p><!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content --><br \/>\n<!-- LARYA_BOX_START --><\/p>\n<div style=\"border:1px solid #e0e0e0;border-left:4px solid #3a2fa3;background:#f7f7fb;padding:22px 24px;margin:30px 0;border-radius:8px;font-family:Arial,sans-serif;\">\n<p style=\"margin:0 0 4px;font-weight:700;color:#3a2fa3;font-size:18px;\">Sobre a LARYA<\/p>\n<p style=\"margin:0 0 12px;font-size:13px;color:#666;font-weight:600;\">Correspondente Banc\u00e1rio Credenciado \u2014 S\u00e3o Paulo, SP<\/p>\n<p style=\"margin:0 0 16px;font-size:15px;line-height:1.65;color:#333;\">A LARYA \u00e9 um correspondente banc\u00e1rio credenciado especializado em cr\u00e9dito imobili\u00e1rio, com sede em S\u00e3o Paulo. Operamos com <strong>mais de 10 bancos e institui\u00e7\u00f5es parceiras<\/strong> \u2014 incluindo Caixa Econ\u00f4mica Federal, Ita\u00fa, Santander, Bradesco, Banco do Brasil, BRB e Inter \u2014 e submetemos a proposta de cada cliente simultaneamente em m\u00faltiplas institui\u00e7\u00f5es para buscar a menor taxa dispon\u00edvel para o perfil espec\u00edfico de cada pessoa. O servi\u00e7o de assessoria \u00e9 gratuito para o comprador: nossa remunera\u00e7\u00e3o vem dos bancos parceiros, sem custos ocultos. J\u00e1 s\u00e3o <strong>mais de 100 fam\u00edlias financiadas em 2026<\/strong>.<\/p>\n<table style=\"width:100%;border-collapse:collapse;text-align:center;margin:0 0 16px;\">\n<tr>\n<td style=\"padding:10px;border:1px solid #eee;\"><span style=\"display:block;font-size:20px;font-weight:700;color:#3a2fa3;\">10+<\/span><span style=\"font-size:12px;color:#666;\">Bancos e institui\u00e7\u00f5es<\/span><\/td>\n<td style=\"padding:10px;border:1px solid #eee;\"><span style=\"display:block;font-size:20px;font-weight:700;color:#3a2fa3;\">+100<\/span><span style=\"font-size:12px;color:#666;\">Fam\u00edlias financiadas em 2026<\/span><\/td>\n<td style=\"padding:10px;border:1px solid #eee;\"><span style=\"display:block;font-size:20px;font-weight:700;color:#3a2fa3;\">R$ 0<\/span><span style=\"font-size:12px;color:#666;\">Custo para o cliente<\/span><\/td>\n<td style=\"padding:10px;border:1px solid #eee;\"><span style=\"display:block;font-size:20px;font-weight:700;color:#3a2fa3;\">30\u201345d<\/span><span style=\"font-size:12px;color:#666;\">Prazo m\u00e9dio de aprova\u00e7\u00e3o<\/span><\/td>\n<\/tr>\n<\/table>\n<p style=\"margin:0;\">\n<a href=\"https:\/\/larya.com.br\/simulador-de-financiamento-imobiliario\" style=\"display:inline-block;background:#3a2fa3;color:#fff;padding:12px 22px;border-radius:6px;text-decoration:none;font-weight:600;margin-right:10px;\">Simular meu financiamento \u2192<\/a><br \/>\n<a href=\"https:\/\/wa.me\/5511936232107\" style=\"display:inline-block;background:#25D366;color:#fff;padding:12px 22px;border-radius:6px;text-decoration:none;font-weight:600;\">&#x1f4ac; Falar com especialista<\/a>\n<\/p>\n<\/div>\n<p><!-- LARYA_BOX_END --><\/p>\n\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;17491&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;Qual a Renda para Financiar um Im\u00f3vel de R$ 2,5 Milh\u00f5es&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","protected":false},"excerpt":{"rendered":"<p>Qual a renda exigida para financiar 2,5 milh\u00f5es? Para financiar um im\u00f3vel de R$2.500.000 em 2026, com entrada de 20% (R$500 mil), a renda familiar bruta exigida varia entre R$81.626 e R$94.960. A primeira parcela no sistema SAC gira em torno de R$24.488 no BRB. Aten\u00e7\u00e3o: este valor pertence ao SFI (acima do teto de&#8230;<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":52,"featured_media":18084,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2513],"tags":[2791,3145,2588,2969,3469,3472,1520,3471,40,3474,3476,3482,3480,3481,4063,418,2320,968,3463,4067,4062,3477,3479,3483,2980,2676,3464,4064,4066,3478,3465,4065,3467,2789,2585,3470,3466],"class_list":["post-17491","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiamento-imobiliario","tag-5-milhao","tag-assesoria-de-financiamento-imobiliario","tag-avaliacao-imobiliaria","tag-bradesco","tag-composicao-de-renda","tag-composicao-de-renda-empresarial","tag-credito-imobiliario","tag-custos-de-cartorio","tag-fgts","tag-financiamento-1-8-milhao","tag-financiamento-1-9-milhao","tag-financiamento-2","tag-financiamento-2-milhao","tag-financiamento-2-5-milhao","tag-financiamento-2-5-milhoes","tag-financiamento-caixa","tag-financiamento-habitacional","tag-financiamento-imobiliario","tag-financiamento-imobiliario-2026","tag-financiamento-imobiliario-sfi-2026","tag-financiamento-sfi-2026","tag-financiar-imovel-de-1-9-milhao","tag-financiar-imovel-de-2-milhao","tag-financiar-imovel-de-2-5-milhoes","tag-imoveis-de-alto-padrao","tag-larya","tag-novo-teto-sfh","tag-parcela-financiamento-2-5-milhoes","tag-quanto-fica-a-parcela-de-2-5-milhoes","tag-r-1-9-mi","tag-renda-minima-para-financiamento","tag-renda-para-financiar-2-5-milhoes","tag-simulacao-habitacional","tag-simulador-de-financiamento-imobiliario","tag-taxa-de-juros","tag-taxas-de-juros-imobiliarios","tag-uso-do-fgts"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/larya.com.br\/blog\/wp-content\/uploads\/2026\/04\/Capa-9.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/17491","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\/52"}],"replies":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/comments?post=17491"}],"version-history":[{"count":10,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/17491\/revisions"}],"predecessor-version":[{"id":18758,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/17491\/revisions\/18758"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media\/18084"}],"wp:attachment":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media?parent=17491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/categories?post=17491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/tags?post=17491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}