{"id":4060,"date":"2025-07-03T16:00:25","date_gmt":"2025-07-03T19:00:25","guid":{"rendered":"https:\/\/www.agenteimovel.com.br\/noticias\/?p=4060"},"modified":"2025-08-01T10:48:47","modified_gmt":"2025-08-01T13:48:47","slug":"conheca-os-5-bairros-mais-valorizados-de-sao-paulo","status":"publish","type":"post","link":"https:\/\/larya.com.br\/blog\/conheca-os-5-bairros-mais-valorizados-de-sao-paulo\/","title":{"rendered":"Conhe\u00e7a os 5 bairros mais valorizados de S\u00e3o Paulo"},"content":{"rendered":"<p>07\/03\/2025<\/p>\n<p>S\u00e3o Paulo \u00e9 uma cidade de contrastes, onde cada bairro tem sua pr\u00f3pria hist\u00f3ria e oferece uma experi\u00eancia \u00fanica aos seus moradores. Entre tantas op\u00e7\u00f5es, alguns bairros se destacam pela valoriza\u00e7\u00e3o no mercado imobili\u00e1rio, combinando infraestrutura de qualidade, localiza\u00e7\u00e3o privilegiada e qualidade de vida. Se voc\u00ea quer conhecer os bairros mais valorizados de S\u00e3o Paulo, este guia traz informa\u00e7\u00f5es sobre cinco regi\u00f5es que conquistaram o cora\u00e7\u00e3o dos paulistanos, tornando-se refer\u00eancia em sofistica\u00e7\u00e3o, comodidade e investimento.<\/p>\n<span class=\"inbound-social-share-bar-container\"><a class=\"mt-facebook mt-share-inline-bar-sm\" style=\"float: left;\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/larya.com.br\/blog\/conheca-os-5-bairros-mais-valorizados-de-sao-paulo\/\"><img decoding=\"async\" src=\"https:\/\/larya.com.br\/blog\/wp-content\/plugins\/cta\/shared\/shortcodes\/images\/facebook@2x.png\"><\/a><a class=\"mt-twitter mt-share-inline-bar-sm\" style=\"float: left;\" href=\"http:\/\/twitter.com\/intent\/tweet?text=Conhe\u00e7a os 5 bairros mais valorizados de S\u00e3o Paulo&amp;url=https:\/\/larya.com.br\/blog\/conheca-os-5-bairros-mais-valorizados-de-sao-paulo\/\" target=\"_blank\"><img decoding=\"async\" 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48);\r\n\t\t\t}\r\n\t\t\t.mt-pinterest {\r\n\t\t\tbackground-color: rgb(204, 33, 39);\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-square-bw-sm img {\r\n\t\t\twidth: 34px;\r\n\t\t\theight: 34px;\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-square-bw-sm.mt-google:hover {\r\n\t\t\tbackground-color: rgb(221, 75, 57) !important;\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-square-bw-sm.mt-linkedin:hover {\r\n\t\t\tbackground-color: rgb(14, 118, 168) !important;\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-square-bw-sm.mt-twitter:hover {\r\n\t\t\tbackground-color: rgb(0, 172, 238) !important;\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-square-bw-sm.mt-facebook:hover {\r\n\t\t\tbackground-color: rgb(59, 89, 152) !important;\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-square-bw-sm.mt-pinterest:hover{\r\n\t\t\tbackground-color: #dd2a30 !important;\r\n\t\t\t}\r\n\t\t\ta.mt-share-inline-square-bw-sm {\r\n\t\t\tdisplay: inline-block;\r\n\t\t\twidth: 34px;\r\n\t\t\theight: 34px;\r\n\t\t\tborder-top-left-radius: 2px;\r\n\t\t\tborder-top-right-radius: 2px;\r\n\t\t\tborder-bottom-right-radius: 2px;\r\n\t\t\tborder-bottom-left-radius: 2px;\r\n\t\t\tmargin-right: 4px;\r\n\t\t\ttext-align: center;\r\n\t\t\tbackground-color: rgb(51, 51, 51);\r\n\t\t\ttransition: background-color 300ms ease-in;\r\n\t\t\t-webkit-transition: background-color 300ms ease-in;\r\n\t\t\t}<\/style>\n<p><span style=\"font-size: 10pt;\">Clique para ouvir<\/span><\/p>\n<audio class=\"wp-audio-shortcode\" id=\"audio-4060-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/wav\" src=\"https:\/\/larya.com.br\/blog\/wp-content\/uploads\/2025\/07\/Sao-Paulo-e-uma.wav?_=1\" \/><a href=\"https:\/\/larya.com.br\/blog\/wp-content\/uploads\/2025\/07\/Sao-Paulo-e-uma.wav\">https:\/\/larya.com.br\/blog\/wp-content\/uploads\/2025\/07\/Sao-Paulo-e-uma.wav<\/a><\/audio>\n<h2>O que faz um bairro ser valorizado?<\/h2>\n<p>Os bairros mais valorizados de <a href=\"https:\/\/larya.com.br\/blog\/iptu-2025-prefeitura-de-sao-paulo-divulga-calendario-veja\/\" target=\"_blank\" rel=\"noopener\">S\u00e3o Paulo<\/a> compartilham caracter\u00edsticas que os tornam especiais. Esses fatores atraem n\u00e3o s\u00f3 quem busca um lugar para morar, mas tamb\u00e9m investidores que veem o potencial de retorno. Alguns desses aspectos incluem:<\/p>\n<ul>\n<li aria-level=\"1\"><b>Localiza\u00e7\u00e3o estrat\u00e9gica:<\/b> acesso f\u00e1cil a \u00e1reas centrais e polos empresariais.<\/li>\n<li aria-level=\"1\"><b>Infraestrutura completa:<\/b> escolas, hospitais, com\u00e9rcio, transporte e op\u00e7\u00f5es de lazer.<\/li>\n<li aria-level=\"1\"><b>Seguran\u00e7a e qualidade de vida:<\/b> ruas arborizadas, \u00e1reas verdes e clima acolhedor.<\/li>\n<li aria-level=\"1\"><b>Servi\u00e7os de alto padr\u00e3o:<\/b> restaurantes renomados, lojas exclusivas e op\u00e7\u00f5es culturais.<\/li>\n<\/ul>\n<p>Agora que voc\u00ea sabe o que torna um bairro valorizado, vamos conhecer as cinco regi\u00f5es mais desejadas de S\u00e3o Paulo.<\/p>\n<h3><b>1. Vila Nova Concei\u00e7\u00e3o<\/b><\/h3>\n<p>A <b>Vila Nova Concei\u00e7\u00e3o<\/b> \u00e9 um dos bairros mais valorizados da cidade, sendo o sonho de consumo de muitos paulistanos. Localizada na zona sul, oferece ruas arborizadas, tranquilidade, proximidade ao <b>Parque do Ibirapuera<\/b> e im\u00f3veis de alto padr\u00e3o, al\u00e9m de uma ampla variedade de restaurantes, bares e boutiques.<\/p>\n<p><b>Por que a Vila Nova Concei\u00e7\u00e3o \u00e9 t\u00e3o especial?<\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Estilo de vida:<\/b> O bairro oferece uma atmosfera refinada, com pra\u00e7as como a famosa <b>Pra\u00e7a Pereira Coutinho<\/b>, ideal para momentos de lazer.<\/li>\n<li aria-level=\"1\"><b>Infraestrutura:<\/b> Restaurantes renomados, delicatessens e boas escolas, incluindo op\u00e7\u00f5es bil\u00edngues.<\/li>\n<li aria-level=\"1\"><b>Valoriza\u00e7\u00e3o imobili\u00e1ria:<\/b> O metro quadrado mais caro da cidade reflete a exclusividade da regi\u00e3o.<\/li>\n<\/ul>\n<p>Seja para viver ou investir, a <b>Vila Nova Concei\u00e7\u00e3o<\/b> proporciona uma experi\u00eancia \u00fanica e um alto padr\u00e3o de vida.<\/p>\n<h3><b>2. Brooklin<\/b><\/h3>\n<p>O <b>Brooklin<\/b>, tamb\u00e9m na zona sul, \u00e9 um dos bairros mais modernos e din\u00e2micos da cidade. Conhecido por ser um importante centro empresarial, conta com arranha-c\u00e9us, hot\u00e9is e grandes escrit\u00f3rios, al\u00e9m de uma infraestrutura completa com restaurantes, shopping centers e \u00e1reas verdes. O bairro tamb\u00e9m \u00e9 residencial, com condom\u00ednios e casas de luxo.<\/p>\n<p><b>O que torna o Brooklin atrativo?<\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Conectividade:<\/b> O bairro \u00e9 bem servido por esta\u00e7\u00f5es de metr\u00f4 (<b>Brooklin<\/b> e <b>Campo Belo<\/b>) e vias importantes como a <b>Marginal Pinheiros<\/b>.<\/li>\n<li aria-level=\"1\"><b>Comodidade:<\/b> Ampla oferta de escolas, hospitais e com\u00e9rcio.<\/li>\n<li aria-level=\"1\"><b>Lazer:<\/b> Op\u00e7\u00f5es como teatros, clubes e proximidade ao Aeroporto de Congonhas.<\/li>\n<\/ul>\n<p>No <b>Brooklin<\/b>, voc\u00ea encontra um ambiente urbano com infraestrutura completa e uma localiza\u00e7\u00e3o estrat\u00e9gica.<\/p>\n<h3><b>3. Pinheiros<\/b><\/h3>\n<p><b>Pinheiros<\/b> est\u00e1 localizado na zona oeste e atrai desde jovens profissionais at\u00e9 fam\u00edlias que buscam um lugar mais din\u00e2mico para viver. O bairro \u00e9 um dos mais tradicionais e vibrantes de S\u00e3o Paulo, conhecido por sua cena cultural e gastron\u00f4mica, com uma grande variedade de bares, restaurantes e lojas. Al\u00e9m disso, possui excelente oferta de transporte p\u00fablico, com esta\u00e7\u00f5es de metr\u00f4 e linhas de \u00f4nibus.<\/p>\n<p><b>Destaques de Pinheiros:<\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Localiza\u00e7\u00e3o privilegiada:<\/b> Pr\u00f3ximo a importantes avenidas como <b>Rebou\u00e7as<\/b> e <b>Faria Lima<\/b>.<\/li>\n<li aria-level=\"1\"><b>Lazer e cultura:<\/b> O bairro abriga o <b>Parque Villa-Lobos<\/b>, a <b>Pra\u00e7a do P\u00f4r do Sol<\/b> e uma infinidade de bares e restaurantes.<\/li>\n<li aria-level=\"1\"><b>Mobilidade:<\/b> Diversas linhas de \u00f4nibus, esta\u00e7\u00f5es de metr\u00f4 e ciclovias facilitam a locomo\u00e7\u00e3o.<\/li>\n<\/ul>\n<p><b>Pinheiros<\/b> \u00e9 ideal para quem valoriza um estilo de vida vibrante e conectado com as tend\u00eancias culturais.<\/p>\n<h3><b>4. Vila Mariana<\/b><\/h3>\n<p><b>Vila Mariana<\/b> \u00e9 um dos bairros mais tradicionais da zona sul de S\u00e3o Paulo. Ele mistura \u00e1reas residenciais, comerciais e institucionais, e \u00e9 conhecido por abrigar diversas escolas e universidades, al\u00e9m de contar com parques como o <b>Ibirapuera<\/b> e o <b>Aclima\u00e7\u00e3o<\/b>. A regi\u00e3o possui boas ofertas de transporte p\u00fablico, com esta\u00e7\u00f5es de metr\u00f4 e v\u00e1rias linhas de \u00f4nibus.<\/p>\n<p><b>Por que morar na Vila Mariana?<\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Cultura e lazer:<\/b> O bairro abriga o <b>Sesc Vila Mariana<\/b>, o <b>Parque da Aclima\u00e7\u00e3o<\/b> e est\u00e1 ao lado do <b>Parque do Ibirapuera<\/b>.<\/li>\n<li aria-level=\"1\"><b>Educa\u00e7\u00e3o:<\/b> Institui\u00e7\u00f5es de ensino renomadas, como a <b>UNIFESP<\/b> e a <b>ESPM<\/b>.<\/li>\n<li aria-level=\"1\"><b>Mobilidade:<\/b> Linhas de metr\u00f4 e \u00f4nibus garantem acesso f\u00e1cil a outras regi\u00f5es da cidade.<\/li>\n<\/ul>\n<p>Com uma localiza\u00e7\u00e3o central e uma atmosfera acolhedora, a <b>Vila Mariana<\/b> oferece o equil\u00edbrio perfeito entre agito e tranquilidade.<\/p>\n<h3><b>5. Jardim Paulista<\/b><\/h3>\n<p>O <b>Jardim Paulista<\/b>, cora\u00e7\u00e3o da regi\u00e3o dos <b>Jardins<\/b>, \u00e9 sin\u00f4nimo de exclusividade. Bairro nobre da zona oeste, est\u00e1 localizado pr\u00f3ximo \u00e0 <b>Avenida Paulista<\/b>. \u00c9 conhecido por suas ruas arborizadas e edif\u00edcios de alto padr\u00e3o, oferecendo uma variedade de restaurantes, lojas e empresas. A regi\u00e3o tamb\u00e9m tem excelente oferta de transporte p\u00fablico e uma infraestrutura completa para moradores e empresas.<\/p>\n<p><b>O que diferencia o Jardim Paulista?<\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Estilo residencial:<\/b> Condom\u00ednios e casas de alto padr\u00e3o garantem privacidade e conforto.<\/li>\n<li aria-level=\"1\"><b>Proximidade a \u00edcones da cidade:<\/b> O bairro est\u00e1 ao lado do <b>MASP<\/b> e do <b>Parque Trianon<\/b>.<\/li>\n<li aria-level=\"1\"><b>Infraestrutura completa:<\/b> Shoppings, restaurantes e com\u00e9rcio de luxo atendem os moradores.<\/li>\n<\/ul>\n<p><b>Jardim Paulista<\/b> \u00e9 o bairro perfeito para quem busca sofistica\u00e7\u00e3o sem abrir m\u00e3o de comodidade.<\/p>\n<h4><b>Escolha o bairro que combina com voc\u00ea<\/b><\/h4>\n<p>Os bairros mais valorizados de <a href=\"https:\/\/larya.com.br\/blog\/onde-os-imoveis-mais-valorizaram-em-sao-paulo-e-rio-de-janeiro\/\" target=\"_blank\" rel=\"noopener\">S\u00e3o Paulo<\/a> s\u00e3o muito mais do que localiza\u00e7\u00f5es privilegiadas: eles representam estilos de vida \u00fanicos. Seja pela exclusividade da <b>Vila Nova Concei\u00e7\u00e3o<\/b>, a praticidade do <b>Brooklin<\/b>, a vibra\u00e7\u00e3o de <b>Pinheiros<\/b>, a tradi\u00e7\u00e3o da <b>Vila Mariana<\/b> ou a sofistica\u00e7\u00e3o do <b>Jardim Paulista<\/b>, cada um oferece algo especial. Qual deles \u00e9 o seu favorito?<\/p>\n<h2>FAQ<\/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='' 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\/4060' 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-16761-KltUr7qrhW' data-post_id='16761'>\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 abrir uma imobili\u00e1ria? Requisitos e Documentos\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=corretor-de-imoveis\">Corretor de Im\u00f3veis<\/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 data-path-to-node=\"27\">A Inscri\u00e7\u00e3o Imobili\u00e1ria \u00e9 o n\u00famero de identifica\u00e7\u00e3o \u00fanico de cada im\u00f3vel no cadastro da <b>Prefeitura<\/b>, utilizado para o c\u00e1lculo e cobran\u00e7a do <b>IPTU<\/b>.<\/p>\n<p data-path-to-node=\"28\"><b>Por que \u00e9 importante?<\/b><\/p>\n<ul data-path-to-node=\"29\">\n<li>\n<p data-path-to-node=\"29,0,0\"><b>Identidade do Im\u00f3vel:<\/b> Funciona como o &#8220;CPF&#8221; da propriedade na prefeitura.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"29,1,0\"><b>Localiza\u00e7\u00e3o:<\/b> Cont\u00e9m dados exatos sobre a \u00e1rea constru\u00edda, terreno e localiza\u00e7\u00e3o fiscal.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"29,2,0\"><b>Regulariza\u00e7\u00e3o:<\/b> Essencial para obter certid\u00f5es negativas de d\u00e9bitos municipais na hora da compra e venda. Sem ela, ou se estiver desatualizada, a negocia\u00e7\u00e3o pode travar.<\/p>\n<\/li>\n<\/ul>\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;16761&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 abrir uma imobili\u00e1ria? Requisitos e Documentos&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\/como-abrir-uma-imobiliaria-requisitos-e-documentos\/'>\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-14902-ooMWOun4lE' data-post_id='14902'>\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 acompanhar a valoriza\u00e7\u00e3o de im\u00f3veis na sua regi\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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 class=\"\" data-start=\"149\" data-end=\"481\">Acompanhar a <strong data-start=\"162\" data-end=\"211\">valoriza\u00e7\u00e3o dos im\u00f3veis na sua regi\u00e3o em 2025<\/strong> \u00e9 essencial para quem deseja comprar, vender ou investir com seguran\u00e7a no mercado imobili\u00e1rio. Felizmente, hoje existem diversas <strong data-start=\"341\" data-end=\"363\">ferramentas online<\/strong> que permitem monitorar o <strong data-start=\"389\" data-end=\"427\">pre\u00e7o do metro quadrado por bairro<\/strong>, hist\u00f3rico de transa\u00e7\u00f5es e tend\u00eancias de crescimento.<\/p>\n<p class=\"\" data-start=\"483\" data-end=\"767\">Portais especializados, como a LARYA, oferecem dados atualizados com base em registros reais de compra e venda, al\u00e9m de \u00edndices como o <strong data-start=\"630\" data-end=\"661\">\u00cdndice de Pre\u00e7os de Im\u00f3veis<\/strong> e o <strong data-start=\"666\" data-end=\"677\">FipeZap<\/strong>, que ajudam a entender as flutua\u00e7\u00f5es de pre\u00e7os em diferentes cidades e regi\u00f5es do Brasil.<\/p>\n<p class=\"\" data-start=\"769\" data-end=\"1169\">Para uma an\u00e1lise mais precisa, \u00e9 poss\u00edvel usar simuladores de avalia\u00e7\u00e3o autom\u00e1tica (AVM), que combinam big data, intelig\u00eancia artificial e dados p\u00fablicos para estimar com alta precis\u00e3o o <strong data-start=\"956\" data-end=\"984\">valor atual de um im\u00f3vel<\/strong>, considerando localiza\u00e7\u00e3o, tamanho, tipologia e outros fatores relevantes. Essa pr\u00e1tica \u00e9 especialmente \u00fatil para quem quer negociar bem ou avaliar oportunidades de valoriza\u00e7\u00e3o futura.<\/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;14902&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 acompanhar a valoriza\u00e7\u00e3o de im\u00f3veis na sua regi\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\/como-acompanhar-a-valorizacao-de-imoveis-na-sua-regiao\/'>\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-13487-25SCIv23m6' data-post_id='13487'>\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 calcular o valor do IPTU de um im\u00f3vel 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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 class=\"\" data-start=\"441\" data-end=\"722\"><strong data-start=\"441\" data-end=\"487\">1. O que \u00e9 o IPTU e por que ele \u00e9 cobrado?<\/strong><br data-start=\"487\" data-end=\"490\" \/>O <strong data-start=\"492\" data-end=\"539\">IPTU (Imposto Predial e Territorial Urbano)<\/strong> \u00e9 um tributo municipal cobrado anualmente de propriet\u00e1rios de im\u00f3veis urbanos. Ele \u00e9 utilizado para financiar servi\u00e7os p\u00fablicos como educa\u00e7\u00e3o, sa\u00fade, limpeza e infraestrutura urbana.<\/p>\n<hr class=\"\" data-start=\"724\" data-end=\"727\" \/>\n<p class=\"\" data-start=\"729\" data-end=\"816\"><strong data-start=\"729\" data-end=\"779\">2. Como calcular o valor do IPTU de um im\u00f3vel?<\/strong><br data-start=\"779\" data-end=\"782\" \/>O c\u00e1lculo do IPTU segue a f\u00f3rmula:<\/p>\n<blockquote data-start=\"818\" data-end=\"867\">\n<p class=\"\" data-start=\"820\" data-end=\"867\"><strong data-start=\"820\" data-end=\"867\">IPTU = Valor Venal do Im\u00f3vel \u00d7 Al\u00edquota (%)<\/strong><\/p>\n<\/blockquote>\n<ul data-start=\"869\" data-end=\"1126\">\n<li class=\"\" data-start=\"869\" data-end=\"1029\">\n<p class=\"\" data-start=\"871\" data-end=\"1029\"><strong data-start=\"871\" data-end=\"886\">Valor venal<\/strong>: \u00e9 uma estimativa feita pela prefeitura sobre quanto o im\u00f3vel vale para fins fiscais, considerando localiza\u00e7\u00e3o, metragem, uso, padr\u00e3o e idade.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1030\" data-end=\"1126\">\n<p class=\"\" data-start=\"1032\" data-end=\"1126\"><strong data-start=\"1032\" data-end=\"1044\">Al\u00edquota<\/strong>: varia conforme a cidade, tipo e uso do im\u00f3vel (residencial, comercial, terreno).<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1128\" data-end=\"1244\">Por exemplo, se o valor venal for R$ 500.000 e a al\u00edquota for 0,8%, o IPTU ser\u00e1:<br data-start=\"1208\" data-end=\"1211\" \/><strong data-start=\"1211\" data-end=\"1244\">R$ 500.000 \u00d7 0,008 = R$ 4.000<\/strong><\/p>\n<hr class=\"\" data-start=\"1246\" data-end=\"1249\" \/>\n<p class=\"\" data-start=\"1251\" data-end=\"1342\"><strong data-start=\"1251\" data-end=\"1305\">3. Como saber o valor venal do meu im\u00f3vel em 2025?<\/strong><br data-start=\"1305\" data-end=\"1308\" \/>Voc\u00ea pode consultar o valor venal:<\/p>\n<ul data-start=\"1344\" data-end=\"1672\">\n<li class=\"\" data-start=\"1344\" data-end=\"1380\">\n<p class=\"\" data-start=\"1346\" data-end=\"1380\">No carn\u00ea do IPTU do ano anterior<\/p>\n<\/li>\n<li class=\"\" data-start=\"1381\" data-end=\"1437\">\n<p class=\"\" data-start=\"1383\" data-end=\"1437\">No site da prefeitura da sua cidade (ex: SP, RJ, BH)<\/p>\n<\/li>\n<li class=\"\" data-start=\"1438\" data-end=\"1672\">\n<p class=\"\" data-start=\"1440\" data-end=\"1672\">Ou usar uma ferramenta como a <strong data-start=\"1470\" data-end=\"1599\"><a target=\"_new\" rel=\"noopener\" data-start=\"1472\" data-end=\"1597\">Calculadora de Valor Venal e Avalia\u00e7\u00e3o de Im\u00f3veis da LARYA<\/a><\/strong>, que te ajuda a estimar valores por localiza\u00e7\u00e3o e caracter\u00edsticas reais.<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"1674\" data-end=\"1677\" \/>\n<p class=\"\" data-start=\"1679\" data-end=\"1804\"><strong data-start=\"1679\" data-end=\"1741\">4. Qual a al\u00edquota do IPTU nas principais cidades em 2025?<\/strong><br data-start=\"1741\" data-end=\"1744\" \/>As al\u00edquotas variam por munic\u00edpio e tipo de im\u00f3vel. Exemplo:<\/p>\n<div class=\"pointer-events-none relative left-[50%]! flex w-[100cqw] translate-x-[-50%] justify-center *:pointer-events-auto\">\n<div class=\"tableContainer horzScrollShadows group relative\">\n<p>\u00a0<\/p>\n<table class=\"min-w-full\" data-start=\"1806\" data-end=\"2071\">\n<thead data-start=\"1806\" data-end=\"1856\">\n<tr data-start=\"1806\" data-end=\"1856\">\n<th data-start=\"1806\" data-end=\"1821\">Cidade<\/th>\n<th data-start=\"1821\" data-end=\"1839\">Residencial (%)<\/th>\n<th data-start=\"1839\" data-end=\"1856\">Comercial (%)<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"1910\" data-end=\"2071\">\n<tr data-start=\"1910\" data-end=\"1963\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1910\" data-end=\"1925\">S\u00e3o Paulo<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1925\" data-end=\"1945\">0,5% a 1,0%<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1945\" data-end=\"1963\">at\u00e9 1,5%<\/td>\n<\/tr>\n<tr data-start=\"1964\" data-end=\"2017\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1964\" data-end=\"1981\">Rio de Janeiro<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1981\" data-end=\"1999\">0,6% a 1,2%<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1999\" data-end=\"2017\">at\u00e9 2,5%<\/td>\n<\/tr>\n<tr data-start=\"2018\" data-end=\"2071\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"2018\" data-end=\"2035\">Belo Horizonte<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"2035\" data-end=\"2053\">0,6% a 1,0%<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"2053\" data-end=\"2071\">at\u00e9 2,0%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p class=\"\" data-start=\"2073\" data-end=\"2139\">Verifique a tabela atualizada no site da prefeitura da sua cidade.<\/p>\n<hr class=\"\" data-start=\"2141\" data-end=\"2144\" \/>\n<p class=\"\" data-start=\"2146\" data-end=\"2324\"><strong data-start=\"2146\" data-end=\"2200\">5. Existe desconto para pagamento \u00e0 vista do IPTU?<\/strong><br data-start=\"2200\" data-end=\"2203\" \/>Sim. A maioria dos munic\u00edpios oferece desconto de <strong data-start=\"2253\" data-end=\"2265\">3% a 10%<\/strong> para pagamento em cota \u00fanica, geralmente no in\u00edcio do ano.<\/p>\n<hr class=\"\" data-start=\"2326\" data-end=\"2329\" \/>\n<p class=\"\" data-start=\"2331\" data-end=\"2586\"><strong data-start=\"2331\" data-end=\"2388\">6. IPTU \u00e9 calculado sobre a \u00e1rea constru\u00edda ou total?<\/strong><br data-start=\"2388\" data-end=\"2391\" \/>O valor venal considera <strong data-start=\"2415\" data-end=\"2462\">tanto a \u00e1rea constru\u00edda quanto a do terreno<\/strong>, al\u00e9m de outros fatores como localiza\u00e7\u00e3o, padr\u00e3o e uso. Quanto maior e mais valorizada a \u00e1rea, maior tende a ser o imposto.<\/p>\n<hr class=\"\" data-start=\"2588\" data-end=\"2591\" \/>\n<p class=\"\" data-start=\"2593\" data-end=\"2665\"><strong data-start=\"2593\" data-end=\"2642\">7. Im\u00f3veis isentos de IPTU: quem tem direito?<\/strong><br data-start=\"2642\" data-end=\"2645\" \/>Podem ter isen\u00e7\u00e3o:<\/p>\n<ul data-start=\"2666\" data-end=\"2827\">\n<li class=\"\" data-start=\"2666\" data-end=\"2700\">\n<p class=\"\" data-start=\"2668\" data-end=\"2700\">Aposentados com renda limitada<\/p>\n<\/li>\n<li class=\"\" data-start=\"2701\" data-end=\"2733\">\n<p class=\"\" data-start=\"2703\" data-end=\"2733\">Im\u00f3veis de valor muito baixo<\/p>\n<\/li>\n<li class=\"\" data-start=\"2734\" data-end=\"2775\">\n<p class=\"\" data-start=\"2736\" data-end=\"2775\">Entidades sociais, ONGs ou religiosas<\/p>\n<\/li>\n<li class=\"\" data-start=\"2776\" data-end=\"2827\">\n<p class=\"\" data-start=\"2778\" data-end=\"2827\">Pessoas com doen\u00e7as graves (em alguns munic\u00edpios)<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"2829\" data-end=\"2893\">Cada cidade possui regras pr\u00f3prias. Consulte a legisla\u00e7\u00e3o local.<\/p>\n<hr class=\"\" data-start=\"2895\" data-end=\"2898\" \/>\n<p class=\"\" data-start=\"2900\" data-end=\"2977\"><strong data-start=\"2900\" data-end=\"2954\">8. Onde posso verificar o IPTU 2025 do meu im\u00f3vel?<\/strong><br data-start=\"2954\" data-end=\"2957\" \/>Voc\u00ea pode consultar:<\/p>\n<ul data-start=\"2979\" data-end=\"3246\">\n<li class=\"\" data-start=\"2979\" data-end=\"3026\">\n<p class=\"\" data-start=\"2981\" data-end=\"3026\">No site oficial da prefeitura da sua cidade<\/p>\n<\/li>\n<li class=\"\" data-start=\"3027\" data-end=\"3090\">\n<p class=\"\" data-start=\"3029\" data-end=\"3090\">Com o n\u00famero de inscri\u00e7\u00e3o imobili\u00e1ria ou cadastro municipal<\/p>\n<\/li>\n<li class=\"\" data-start=\"3091\" data-end=\"3246\">\n<p class=\"\" data-start=\"3093\" data-end=\"3246\">Ou atrav\u00e9s de um servi\u00e7o como o da <strong data-start=\"3128\" data-end=\"3145\">LARYA<\/strong>, que ajuda voc\u00ea a entender o valor do seu im\u00f3vel e compar\u00e1-lo com im\u00f3veis semelhantes da sua regi\u00e3o.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"3248\" data-end=\"3363\">\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;13487&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;35&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 - (35 votos)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Como calcular o valor do IPTU de um im\u00f3vel 2025?&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 - (35 votos)    <\/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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=calculosiptu\">C\u00e1lculosIPTU<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=debitosiptu\">D\u00e9bitosIPTU<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=iptu\">IPTU<\/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-calcular-o-valor-do-iptu-de-um-imovel\/'>\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-16780-61iPrZ3t5R' data-post_id='16780'>\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 calcular o valor do metro quadrado (m\u00b2) em reformas e constru\u00e7\u00f5es?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=guia-do-comprador\">Guia do comprador<\/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 custo varia por regi\u00e3o e padr\u00e3o de acabamento. Em 2025, utiliza-se o CUB (Custo Unit\u00e1rio B\u00e1sico) do seu estado ou o SINAPI como refer\u00eancia inicial, somado aos materiais de acabamento espec\u00edficos.<\/p>\n<p>Na Pr\u00e1tica:<\/p>\n<p>M\u00e3o de obra: Representa cerca de 40% a 50% do custo total. Pedreiros e pintores costumam cobrar por m\u00b2 ou empreitada.<\/p>\n<p>Materiais Espec\u00edficos: Itens pesquisados como &#8220;Piso Laminado&#8221; ou &#8220;Telha Sandu\u00edche&#8221; t\u00eam pre\u00e7os vol\u00e1teis. O ideal \u00e9 cotar o sistema completo (ex: piso + manta + rodap\u00e9 + instala\u00e7\u00e3o) e dividir pela \u00e1rea total para ter o custo real por m\u00b2.<\/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;16780&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 calcular o valor do metro quadrado (m\u00b2) em reformas e constru\u00e7\u00f5es?&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\/como-calcular-o-valor-do-metro-quadrado-m%c2%b2-em-reformas-e-construcoes\/'>\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-14917-fn1JU2Aycc' data-post_id='14917'>\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 declarar a compra de im\u00f3vel no imposto de renda 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=guia-do-comprador\">Guia do comprador<\/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 class=\"\" data-start=\"163\" data-end=\"342\">Declarar a compra de um im\u00f3vel no Imposto de Renda 2025 \u00e9 essencial para manter sua situa\u00e7\u00e3o fiscal regularizada com a Receita Federal. Veja o passo a passo atualizado e completo:<\/p>\n<h4 class=\"\" data-start=\"344\" data-end=\"366\">Onde declarar?<\/h4>\n<p class=\"\" data-start=\"367\" data-end=\"587\">No programa da <strong data-start=\"382\" data-end=\"446\">Declara\u00e7\u00e3o de Imposto de Renda da Pessoa F\u00edsica (DIRPF 2025)<\/strong>, utilize a ficha <strong data-start=\"464\" data-end=\"485\">\u201cBens e Direitos\u201d<\/strong>. Escolha o grupo <strong data-start=\"503\" data-end=\"526\">\u201c01 &#8211; Bens Im\u00f3veis\u201d<\/strong> e o c\u00f3digo correspondente ao tipo de im\u00f3vel adquirido, como:<\/p>\n<ul data-start=\"589\" data-end=\"634\">\n<li class=\"\" data-start=\"589\" data-end=\"607\">\n<p class=\"\" data-start=\"591\" data-end=\"607\">11 \u2013 Apartamento<\/p>\n<\/li>\n<li class=\"\" data-start=\"608\" data-end=\"619\">\n<p class=\"\" data-start=\"610\" data-end=\"619\">12 \u2013 Casa<\/p>\n<\/li>\n<li class=\"\" data-start=\"620\" data-end=\"634\">\n<p class=\"\" data-start=\"622\" data-end=\"634\">13 \u2013 Terreno<\/p>\n<\/li>\n<\/ul>\n<h4 class=\"\" data-start=\"636\" data-end=\"659\">O que informar?<\/h4>\n<ul data-start=\"660\" data-end=\"1026\">\n<li class=\"\" data-start=\"660\" data-end=\"767\">\n<p class=\"\" data-start=\"662\" data-end=\"767\"><strong data-start=\"662\" data-end=\"694\">Descri\u00e7\u00e3o completa do im\u00f3vel<\/strong>: endere\u00e7o, metragem, n\u00famero da matr\u00edcula no cart\u00f3rio e nome do vendedor.<\/p>\n<\/li>\n<li class=\"\" data-start=\"768\" data-end=\"834\">\n<p class=\"\" data-start=\"770\" data-end=\"834\"><strong data-start=\"770\" data-end=\"799\">Valor pago at\u00e9 31\/12\/2024<\/strong> (se foi comprado no ano anterior).<\/p>\n<\/li>\n<li class=\"\" data-start=\"835\" data-end=\"920\">\n<p class=\"\" data-start=\"837\" data-end=\"920\"><strong data-start=\"837\" data-end=\"859\">Forma de pagamento<\/strong>: se foi \u00e0 vista, por financiamento imobili\u00e1rio ou cons\u00f3rcio.<\/p>\n<\/li>\n<li class=\"\" data-start=\"921\" data-end=\"1026\">\n<p class=\"\" data-start=\"923\" data-end=\"1026\"><strong data-start=\"923\" data-end=\"940\">Financiamento<\/strong>: informe apenas os valores efetivamente pagos no ano-base. O saldo devedor n\u00e3o entra.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1028\" data-end=\"1137\">Se o im\u00f3vel foi comprado em conjunto (ex: c\u00f4njuges), declare de forma proporcional \u00e0 participa\u00e7\u00e3o de cada um.<\/p>\n<h4 class=\"\" data-start=\"1139\" data-end=\"1163\">Dica importante:<\/h4>\n<p class=\"\" data-start=\"1164\" data-end=\"1455\"><strong data-start=\"1164\" data-end=\"1198\">N\u00e3o atualize o valor do im\u00f3vel<\/strong> com base na valoriza\u00e7\u00e3o de mercado. O valor declarado deve ser o custo efetivo da compra (incluindo escritura, ITBI, taxas e corretagem, se houver). S\u00f3 deve ser alterado caso haja reformas que aumentem o valor do bem \u2013 e estas tamb\u00e9m devem ser comprovadas.<\/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;14917&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;Como declarar a compra de im\u00f3vel no imposto de renda 2025?&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\/como-declarar-a-compra-de-imovel-no-imposto-de-renda-2025\/'>\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-14780-u732XcPx6y' data-post_id='14780'>\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 \u00e9 feita a avalia\u00e7\u00e3o de im\u00f3veis?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=avaliacao-de-imoveis\">Avalia\u00e7\u00e3o de Im\u00f3veis<\/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 class=\"\" data-start=\"469\" data-end=\"706\"><strong data-start=\"469\" data-end=\"508\">1. O que \u00e9 uma avalia\u00e7\u00e3o de im\u00f3vel?<\/strong><br data-start=\"508\" data-end=\"511\" \/>\u00c9 o processo t\u00e9cnico de <strong data-start=\"535\" data-end=\"578\">estimar o valor de mercado de um im\u00f3vel<\/strong>, com base em crit\u00e9rios objetivos como localiza\u00e7\u00e3o, metragem, estado de conserva\u00e7\u00e3o e valores praticados em im\u00f3veis semelhantes.<\/p>\n<hr class=\"\" data-start=\"708\" data-end=\"711\" \/>\n<p class=\"\" data-start=\"713\" data-end=\"805\"><strong data-start=\"713\" data-end=\"767\">2. Como \u00e9 feita a avalia\u00e7\u00e3o de im\u00f3veis na pr\u00e1tica?<\/strong><br data-start=\"767\" data-end=\"770\" \/>A avalia\u00e7\u00e3o considera fatores como:<\/p>\n<ul data-start=\"807\" data-end=\"1077\">\n<li class=\"\" data-start=\"807\" data-end=\"844\">\n<p class=\"\" data-start=\"809\" data-end=\"844\">Localiza\u00e7\u00e3o (cidade, bairro, rua)<\/p>\n<\/li>\n<li class=\"\" data-start=\"845\" data-end=\"888\">\n<p class=\"\" data-start=\"847\" data-end=\"888\">Tamanho do terreno e da \u00e1rea constru\u00edda<\/p>\n<\/li>\n<li class=\"\" data-start=\"889\" data-end=\"929\">\n<p class=\"\" data-start=\"891\" data-end=\"929\">N\u00famero de quartos, banheiros e vagas<\/p>\n<\/li>\n<li class=\"\" data-start=\"930\" data-end=\"978\">\n<p class=\"\" data-start=\"932\" data-end=\"978\">Estado de conserva\u00e7\u00e3o e padr\u00e3o de acabamento<\/p>\n<\/li>\n<li class=\"\" data-start=\"979\" data-end=\"1017\">\n<p class=\"\" data-start=\"981\" data-end=\"1017\">Valor por metro quadrado na regi\u00e3o<\/p>\n<\/li>\n<li class=\"\" data-start=\"1018\" data-end=\"1077\">\n<p class=\"\" data-start=\"1020\" data-end=\"1077\">Infraestrutura do entorno (transporte, escolas, com\u00e9rcio)<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1079\" data-end=\"1240\">Esses dados s\u00e3o comparados com <strong data-start=\"1110\" data-end=\"1154\">transa\u00e7\u00f5es recentes de im\u00f3veis similares<\/strong>, usando m\u00e9todos estat\u00edsticos e, muitas vezes, ferramentas de intelig\u00eancia artificial.<\/p>\n<hr class=\"\" data-start=\"1242\" data-end=\"1245\" \/>\n<p class=\"\" data-start=\"1247\" data-end=\"1310\"><strong data-start=\"1247\" data-end=\"1308\">3. Qual a diferen\u00e7a entre valor de mercado e valor venal?<\/strong><\/p>\n<ul data-start=\"1311\" data-end=\"1570\">\n<li class=\"\" data-start=\"1311\" data-end=\"1421\">\n<p class=\"\" data-start=\"1313\" data-end=\"1421\"><strong data-start=\"1313\" data-end=\"1333\">Valor de mercado<\/strong>: \u00e9 quanto um im\u00f3vel pode realmente valer na venda atual, baseado em oferta e demanda.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1422\" data-end=\"1570\">\n<p class=\"\" data-start=\"1424\" data-end=\"1570\"><strong data-start=\"1424\" data-end=\"1439\">Valor venal<\/strong>: \u00e9 uma estimativa da prefeitura para fins fiscais, usada no c\u00e1lculo do IPTU. Normalmente, \u00e9 <strong data-start=\"1532\" data-end=\"1569\">inferior ao valor de mercado real<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"1572\" data-end=\"1575\" \/>\n<p class=\"\" data-start=\"1577\" data-end=\"1815\"><strong data-start=\"1577\" data-end=\"1628\">4. Como funciona a avalia\u00e7\u00e3o de im\u00f3veis online?<\/strong><br data-start=\"1628\" data-end=\"1631\" \/>Ferramentas como a <strong data-start=\"1650\" data-end=\"1695\">Calculadora de Avalia\u00e7\u00e3o da LARYA<\/strong> utilizam dados p\u00fablicos, algoritmos e milhares de refer\u00eancias para estimar com rapidez e precis\u00e3o o valor de um im\u00f3vel.<\/p>\n<p class=\"\" data-start=\"1817\" data-end=\"1915\"><a target=\"_new\" rel=\"noopener\" data-start=\"1820\" data-end=\"1915\">Avalie seu im\u00f3vel gratuitamente aqui<\/a><\/p>\n<hr class=\"\" data-start=\"1917\" data-end=\"1920\" \/>\n<p class=\"\" data-start=\"1922\" data-end=\"2066\"><strong data-start=\"1922\" data-end=\"1988\">5. Quais m\u00e9todos s\u00e3o utilizados em uma avalia\u00e7\u00e3o profissional?<\/strong><br data-start=\"1988\" data-end=\"1991\" \/>Profissionais como corretores, engenheiros e peritos utilizam m\u00e9todos como:<\/p>\n<ul data-start=\"2068\" data-end=\"2314\">\n<li class=\"\" data-start=\"2068\" data-end=\"2114\">\n<p class=\"\" data-start=\"2070\" data-end=\"2114\"><strong data-start=\"2070\" data-end=\"2112\">Comparativo direto de dados de mercado<\/strong><\/p>\n<\/li>\n<li class=\"\" data-start=\"2115\" data-end=\"2176\">\n<p class=\"\" data-start=\"2117\" data-end=\"2176\"><strong data-start=\"2117\" data-end=\"2136\">M\u00e9todo da renda<\/strong> (para im\u00f3veis com gera\u00e7\u00e3o de receita)<\/p>\n<\/li>\n<li class=\"\" data-start=\"2177\" data-end=\"2244\">\n<p class=\"\" data-start=\"2179\" data-end=\"2244\"><strong data-start=\"2179\" data-end=\"2200\">M\u00e9todo involutivo<\/strong> (para terrenos com potencial construtivo)<\/p>\n<\/li>\n<li class=\"\" data-start=\"2245\" data-end=\"2314\">\n<p class=\"\" data-start=\"2247\" data-end=\"2314\"><strong data-start=\"2247\" data-end=\"2278\">Avalia\u00e7\u00e3o por laudo t\u00e9cnico<\/strong> (mais comum em processos judiciais)<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"2316\" data-end=\"2319\" \/>\n<p class=\"\" data-start=\"2321\" data-end=\"2386\"><strong data-start=\"2321\" data-end=\"2384\">6. Quem pode fazer uma avalia\u00e7\u00e3o de im\u00f3vel com valor legal?<\/strong><\/p>\n<ul data-start=\"2387\" data-end=\"2615\">\n<li class=\"\" data-start=\"2387\" data-end=\"2448\">\n<p class=\"\" data-start=\"2389\" data-end=\"2448\">Corretores registrados no <strong data-start=\"2415\" data-end=\"2424\">CRECI<\/strong>, para fins de mercado<\/p>\n<\/li>\n<li class=\"\" data-start=\"2449\" data-end=\"2526\">\n<p class=\"\" data-start=\"2451\" data-end=\"2526\">Engenheiros e arquitetos registrados no <strong data-start=\"2491\" data-end=\"2503\">CREA\/CAU<\/strong>, para fins jur\u00eddicos<\/p>\n<\/li>\n<li class=\"\" data-start=\"2527\" data-end=\"2615\">\n<p class=\"\" data-start=\"2529\" data-end=\"2615\">Empresas especializadas com certifica\u00e7\u00f5es t\u00e9cnicas e acesso a bases de dados completas<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"2617\" data-end=\"2620\" \/>\n<p class=\"\" data-start=\"2622\" data-end=\"2889\"><strong data-start=\"2622\" data-end=\"2666\">7. Quanto custa uma avalia\u00e7\u00e3o de im\u00f3vel?<\/strong><br data-start=\"2666\" data-end=\"2669\" \/>Varia conforme a cidade e a finalidade. Pode custar entre <strong data-start=\"2727\" data-end=\"2748\">R$ 300 a R$ 2.000<\/strong>, dependendo da complexidade. Mas em muitas situa\u00e7\u00f5es, como simula\u00e7\u00f5es online, a avalia\u00e7\u00e3o pode ser <strong data-start=\"2848\" data-end=\"2865\">100% gratuita<\/strong>, como na LARYA.<\/p>\n<hr class=\"\" data-start=\"2891\" data-end=\"2894\" \/>\n<p class=\"\" data-start=\"2896\" data-end=\"3177\"><strong data-start=\"2896\" data-end=\"2945\">8. Como saber quanto vale meu im\u00f3vel em 2025?<\/strong><br data-start=\"2945\" data-end=\"2948\" \/>A forma mais r\u00e1pida e acess\u00edvel \u00e9 utilizar um <strong data-start=\"2994\" data-end=\"3027\">simulador de avalia\u00e7\u00e3o online<\/strong>, como o da LARYA, que entrega uma estimativa confi\u00e1vel com base no valor por m\u00b2 da sua regi\u00e3o, hist\u00f3rico de vendas e atributos do im\u00f3vel.<\/p>\n<p class=\"\" data-start=\"3179\" data-end=\"3276\">Avalie aqui: <a target=\"_new\" rel=\"noopener\" data-start=\"3195\" data-end=\"3276\">Quanto vale seu im\u00f3vel<\/a><\/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;14780&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 \u00e9 feita a avalia\u00e7\u00e3o de im\u00f3veis?&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\/como-e-feita-a-avaliacao-de-imoveis\/'>\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-14912-ZY8sZQZUqg' data-post_id='14912'>\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 escolher o melhor corretor de im\u00f3veis para comprar ou vender?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=corretor-de-imoveis\">Corretor de Im\u00f3veis<\/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 class=\"\" data-start=\"144\" data-end=\"366\">Escolher o melhor <strong data-start=\"162\" data-end=\"185\">corretor de im\u00f3veis<\/strong> \u00e9 fundamental para garantir uma <strong data-start=\"218\" data-end=\"264\">compra ou venda segura, r\u00e1pida e vantajosa<\/strong>. Em 2025, com o mercado mais competitivo e digitalizado, o ideal \u00e9 considerar os seguintes crit\u00e9rios:<\/p>\n<ul data-start=\"368\" data-end=\"1100\">\n<li class=\"\" data-start=\"368\" data-end=\"485\">\n<p class=\"\" data-start=\"370\" data-end=\"485\"><strong data-start=\"370\" data-end=\"397\">Credenciamento no CRECI<\/strong>: Verifique se o corretor est\u00e1 registrado no Conselho Regional de Corretores de Im\u00f3veis.<\/p>\n<\/li>\n<li class=\"\" data-start=\"486\" data-end=\"648\">\n<p class=\"\" data-start=\"488\" data-end=\"648\"><strong data-start=\"488\" data-end=\"535\">Especializa\u00e7\u00e3o por regi\u00e3o ou tipo de im\u00f3vel<\/strong>: Corretor que atua com frequ\u00eancia no bairro ou no tipo de im\u00f3vel que voc\u00ea busca tende a ter melhores resultados.<\/p>\n<\/li>\n<li class=\"\" data-start=\"649\" data-end=\"841\">\n<p class=\"\" data-start=\"651\" data-end=\"841\"><strong data-start=\"651\" data-end=\"688\">Avalia\u00e7\u00f5es de clientes anteriores<\/strong>: Utilize plataformas como <strong data-start=\"715\" data-end=\"732\">LARYA<\/strong>, que permitem comparar corretores com base em hist\u00f3rico de vendas, reviews de clientes e nota de desempenho.<\/p>\n<\/li>\n<li class=\"\" data-start=\"842\" data-end=\"965\">\n<p class=\"\" data-start=\"844\" data-end=\"965\"><strong data-start=\"844\" data-end=\"875\">Transpar\u00eancia e comunica\u00e7\u00e3o<\/strong>: Bons corretores fornecem informa\u00e7\u00f5es claras sobre contratos, taxas e etapas do processo.<\/p>\n<\/li>\n<li class=\"\" data-start=\"966\" data-end=\"1100\">\n<p class=\"\" data-start=\"968\" data-end=\"1100\"><strong data-start=\"968\" data-end=\"997\">Proatividade e tecnologia<\/strong>: Profissionais atualizados usam ferramentas digitais para agilizar visitas, propostas e documenta\u00e7\u00f5es.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1102\" data-end=\"1279\">Dica: desconfie de promessas fora da realidade e sempre pe\u00e7a refer\u00eancias. Plataformas confi\u00e1veis podem ajudar a identificar corretores com bom desempenho e reputa\u00e7\u00e3o no mercado.<\/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;14912&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 escolher o melhor corretor de im\u00f3veis para comprar ou vender?&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\/como-escolher-o-melhor-corretor-de-imoveis-para-comprar-ou-vender\/'>\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-14899-P4DYtnZdMA' data-post_id='14899'>\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 est\u00e1 o Mercado Imobili\u00e1rio em 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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 class=\"\" data-start=\"928\" data-end=\"1337\">O mercado imobili\u00e1rio em 2025 apresenta sinais de retomada, com <strong data-start=\"992\" data-end=\"1031\">valoriza\u00e7\u00e3o m\u00e9dia do metro quadrado<\/strong> nas principais capitais do Brasil, especialmente em cidades como S\u00e3o Paulo, Belo Horizonte, Curitiba e Bras\u00edlia. A <strong data-start=\"1147\" data-end=\"1161\">taxa Selic<\/strong> em queda tem incentivado o cr\u00e9dito imobili\u00e1rio, tornando o <strong data-start=\"1221\" data-end=\"1264\">financiamento de im\u00f3veis mais acess\u00edvel<\/strong>, o que aquece a demanda por compra de im\u00f3veis residenciais e comerciais.<\/p>\n<p class=\"\" data-start=\"1339\" data-end=\"1720\">Segundo dados atualizados do <strong data-start=\"1368\" data-end=\"1399\">\u00edndice de pre\u00e7os de im\u00f3veis<\/strong> publicado por plataformas como LARYA, h\u00e1 um crescimento consistente no volume de transa\u00e7\u00f5es e aumento na procura por <strong data-start=\"1525\" data-end=\"1559\">avalia\u00e7\u00f5es imobili\u00e1rias online<\/strong>. Al\u00e9m disso, a digitaliza\u00e7\u00e3o do setor est\u00e1 acelerando, com o uso de <strong data-start=\"1628\" data-end=\"1660\">simuladores de financiamento<\/strong> e ferramentas de <strong data-start=\"1678\" data-end=\"1719\">avalia\u00e7\u00e3o autom\u00e1tica de im\u00f3veis (AVM)<\/strong>.<\/p>\n<p class=\"\" data-start=\"1722\" data-end=\"2057\">Outro destaque de 2025 \u00e9 a <strong data-start=\"1749\" data-end=\"1801\">busca por im\u00f3veis sustent\u00e1veis e bem localizados<\/strong>, refletindo novas prioridades de compradores e investidores. O cen\u00e1rio \u00e9 promissor para quem quer <strong data-start=\"1900\" data-end=\"1935\">investir no mercado imobili\u00e1rio<\/strong>, mas exige aten\u00e7\u00e3o aos <strong data-start=\"1959\" data-end=\"1995\">\u00edndices regionais de valoriza\u00e7\u00e3o<\/strong>, tend\u00eancias de juros e oportunidades nos bairros em expans\u00e3o.<\/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;14899&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 est\u00e1 o Mercado Imobili\u00e1rio em 2025?&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\/como-esta-o-mercado-imobiliario-em-2025\/'>\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-13608-KoLzsUcHet' data-post_id='13608'>\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 fazer a simula\u00e7\u00e3o de um financiamento?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/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 class=\"\" data-start=\"626\" data-end=\"940\"><strong data-start=\"626\" data-end=\"682\">1. O que \u00e9 a simula\u00e7\u00e3o de financiamento imobili\u00e1rio?<\/strong><br data-start=\"682\" data-end=\"685\" \/>A simula\u00e7\u00e3o de financiamento \u00e9 uma ferramenta que permite estimar quanto voc\u00ea poder\u00e1 financiar, quais ser\u00e3o as parcelas mensais, os juros aplicados e o valor total do contrato, com base em informa\u00e7\u00f5es como renda, valor do im\u00f3vel, entrada e prazo desejado.<\/p>\n<hr class=\"\" data-start=\"942\" data-end=\"945\" \/>\n<p class=\"\" data-start=\"947\" data-end=\"1138\"><strong data-start=\"947\" data-end=\"1004\">2. Como fazer a simula\u00e7\u00e3o de um financiamento online?<\/strong><br data-start=\"1004\" data-end=\"1007\" \/>Voc\u00ea pode usar um <strong data-start=\"1025\" data-end=\"1081\">simulador de financiamento imobili\u00e1rio online gr\u00e1tis<\/strong>, como o oferecido pela LARYA. Basta preencher:<\/p>\n<ul data-start=\"1139\" data-end=\"1234\">\n<li class=\"\" data-start=\"1139\" data-end=\"1158\">\n<p class=\"\" data-start=\"1141\" data-end=\"1158\">Valor do im\u00f3vel<\/p>\n<\/li>\n<li class=\"\" data-start=\"1159\" data-end=\"1179\">\n<p class=\"\" data-start=\"1161\" data-end=\"1179\">Valor da entrada<\/p>\n<\/li>\n<li class=\"\" data-start=\"1180\" data-end=\"1200\">\n<p class=\"\" data-start=\"1182\" data-end=\"1200\">Sua renda mensal<\/p>\n<\/li>\n<li class=\"\" data-start=\"1201\" data-end=\"1234\">\n<p class=\"\" data-start=\"1203\" data-end=\"1234\">Prazo desejado para pagamento<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1236\" data-end=\"1341\">Com isso, o sistema calcula automaticamente o valor aproximado da parcela, os juros e o total financiado.<\/p>\n<p class=\"\" data-start=\"1343\" data-end=\"1486\">Fa\u00e7a sua simula\u00e7\u00e3o agora: <a target=\"_new\" rel=\"noopener\" data-start=\"1372\" data-end=\"1486\">Simulador de Financiamento Imobili\u00e1rio LARYA<\/a><\/p>\n<hr class=\"\" data-start=\"1488\" data-end=\"1491\" \/>\n<p class=\"\" data-start=\"1493\" data-end=\"1560\"><strong data-start=\"1493\" data-end=\"1558\">3. Quais dados s\u00e3o necess\u00e1rios para simular um financiamento?<\/strong><\/p>\n<ul data-start=\"1561\" data-end=\"1728\">\n<li class=\"\" data-start=\"1561\" data-end=\"1580\">\n<p class=\"\" data-start=\"1563\" data-end=\"1580\">Valor do im\u00f3vel<\/p>\n<\/li>\n<li class=\"\" data-start=\"1581\" data-end=\"1615\">\n<p class=\"\" data-start=\"1583\" data-end=\"1615\">Percentual ou valor da entrada<\/p>\n<\/li>\n<li class=\"\" data-start=\"1616\" data-end=\"1642\">\n<p class=\"\" data-start=\"1618\" data-end=\"1642\">Prazo em anos ou meses<\/p>\n<\/li>\n<li class=\"\" data-start=\"1643\" data-end=\"1688\">\n<p class=\"\" data-start=\"1645\" data-end=\"1688\">Renda bruta mensal individual ou familiar<\/p>\n<\/li>\n<li class=\"\" data-start=\"1689\" data-end=\"1728\">\n<p class=\"\" data-start=\"1691\" data-end=\"1728\">Perfil de cr\u00e9dito (em alguns casos)<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1730\" data-end=\"1828\">Com esses dados, voc\u00ea j\u00e1 pode usar a <strong data-start=\"1767\" data-end=\"1811\">calculadora de financiamento imobili\u00e1rio<\/strong> de forma segura.<\/p>\n<hr class=\"\" data-start=\"1830\" data-end=\"1833\" \/>\n<p class=\"\" data-start=\"1835\" data-end=\"2065\"><strong data-start=\"1835\" data-end=\"1881\">4. A simula\u00e7\u00e3o \u00e9 uma aprova\u00e7\u00e3o de cr\u00e9dito?<\/strong><br data-start=\"1881\" data-end=\"1884\" \/>N\u00e3o. A simula\u00e7\u00e3o \u00e9 apenas uma <strong data-start=\"1914\" data-end=\"1936\">estimativa inicial<\/strong> para voc\u00ea entender as condi\u00e7\u00f5es do financiamento. A aprova\u00e7\u00e3o depende da an\u00e1lise de cr\u00e9dito e da documenta\u00e7\u00e3o entregue ao banco.<\/p>\n<hr class=\"\" data-start=\"2067\" data-end=\"2070\" \/>\n<p class=\"\" data-start=\"2072\" data-end=\"2360\"><strong data-start=\"2072\" data-end=\"2125\">5. Posso comparar propostas de diferentes bancos?<\/strong><br data-start=\"2125\" data-end=\"2128\" \/>Sim. \u00c9 altamente recomend\u00e1vel comparar simula\u00e7\u00f5es de diferentes institui\u00e7\u00f5es, pois <strong data-start=\"2211\" data-end=\"2263\">as taxas de juros e as condi\u00e7\u00f5es variam bastante<\/strong>. No simulador da LARYA, voc\u00ea pode receber <strong data-start=\"2314\" data-end=\"2359\">propostas de v\u00e1rios bancos em um s\u00f3 lugar<\/strong>.<\/p>\n<hr class=\"\" data-start=\"2362\" data-end=\"2365\" \/>\n<p class=\"\" data-start=\"2367\" data-end=\"2477\"><strong data-start=\"2367\" data-end=\"2440\">6. Como saber qual \u00e9 o melhor simulador de financiamento imobili\u00e1rio?<\/strong><br data-start=\"2440\" data-end=\"2443\" \/>O melhor simulador \u00e9 aquele que:<\/p>\n<ul data-start=\"2478\" data-end=\"2633\">\n<li class=\"\" data-start=\"2478\" data-end=\"2508\">\n<p class=\"\" data-start=\"2480\" data-end=\"2508\">\u00c9 gratuito e f\u00e1cil de usar<\/p>\n<\/li>\n<li class=\"\" data-start=\"2509\" data-end=\"2543\">\n<p class=\"\" data-start=\"2511\" data-end=\"2543\">Apresenta resultados realistas<\/p>\n<\/li>\n<li class=\"\" data-start=\"2544\" data-end=\"2582\">\n<p class=\"\" data-start=\"2546\" data-end=\"2582\">Permite comparar diferentes bancos<\/p>\n<\/li>\n<li class=\"\" data-start=\"2583\" data-end=\"2633\">\n<p class=\"\" data-start=\"2585\" data-end=\"2633\">Oferece suporte personalizado ap\u00f3s a simula\u00e7\u00e3o<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"2635\" data-end=\"2805\">O simulador da <b>LARYA <\/b>atende a todos esses crit\u00e9rios e ainda oferece <strong data-start=\"2715\" data-end=\"2739\">consultoria gratuita<\/strong> para te ajudar a seguir com seguran\u00e7a at\u00e9 a aprova\u00e7\u00e3o do cr\u00e9dito.<\/p>\n<hr class=\"\" data-start=\"2807\" data-end=\"2810\" \/>\n<p class=\"\" data-start=\"2812\" data-end=\"3050\"><strong data-start=\"2812\" data-end=\"2868\">7. Simular financiamento reduz meu score de cr\u00e9dito?<\/strong><br data-start=\"2868\" data-end=\"2871\" \/>N\u00e3o. A simula\u00e7\u00e3o n\u00e3o afeta o seu score, pois n\u00e3o envolve consulta direta aos \u00f3rg\u00e3os de prote\u00e7\u00e3o ao cr\u00e9dito como Serasa ou SPC. Voc\u00ea pode simular quantas vezes quiser sem preju\u00edzo.<\/p>\n<hr class=\"\" data-start=\"3052\" data-end=\"3055\" \/>\n<p class=\"\" data-start=\"3057\" data-end=\"3148\"><strong data-start=\"3057\" data-end=\"3115\">8. Qual o pr\u00f3ximo passo ap\u00f3s simular um financiamento?<\/strong><br data-start=\"3115\" data-end=\"3118\" \/>Ap\u00f3s a simula\u00e7\u00e3o, voc\u00ea deve:<\/p>\n<ul data-start=\"3149\" data-end=\"3285\">\n<li class=\"\" data-start=\"3149\" data-end=\"3200\">\n<p class=\"\" data-start=\"3151\" data-end=\"3200\">Verificar se as parcelas cabem no seu or\u00e7amento<\/p>\n<\/li>\n<li class=\"\" data-start=\"3201\" data-end=\"3238\">\n<p class=\"\" data-start=\"3203\" data-end=\"3238\">Separar a documenta\u00e7\u00e3o necess\u00e1ria<\/p>\n<\/li>\n<li class=\"\" data-start=\"3239\" data-end=\"3285\">\n<p class=\"\" data-start=\"3241\" data-end=\"3285\">Solicitar a an\u00e1lise de cr\u00e9dito com o banco<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"3287\" data-end=\"3389\">A LARYA pode te acompanhar em todas essas etapas, garantindo um processo mais r\u00e1pido e seguro.<\/p>\n<p class=\"\" data-start=\"3391\" data-end=\"3541\">Simule agora e receba suporte completo!<\/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;13608&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 fazer a simula\u00e7\u00e3o de um financiamento?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=emprestimo-imobiliario\">Empr\u00e9stimo Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento\">Financiamento<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-de-imoveis\">Financiamento de Im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=hipoteca\">Hipoteca<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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-fazer-a-simulacao-de-um-financiamento\/'>\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-13183-nPqwnjXl76' data-post_id='13183'>\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 financiar um imovel\u200b em 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/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 class=\"\" data-start=\"0\" data-end=\"280\">\u200b<span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Financiar um im\u00f3vel no Brasil em 2025 exige aten\u00e7\u00e3o a diversos fatores econ\u00f4micos e institucionais.<\/span> A seguir, apresentamos um guia detalhado com informa\u00e7\u00f5es atualizadas sobre taxas de juros, institui\u00e7\u00f5es financeiras e considera\u00e7\u00f5es importantes para quem deseja adquirir um im\u00f3vel financiado.\u200b<\/p>\n<hr class=\"\" data-start=\"282\" data-end=\"285\" \/>\n<h2 class=\"\" data-start=\"287\" data-end=\"333\">1. <strong data-start=\"293\" data-end=\"333\">Entendendo o Cen\u00e1rio Econ\u00f4mico Atual<\/strong><\/h2>\n<h3 class=\"\" data-start=\"335\" data-end=\"349\">Taxa Selic<\/h3>\n<p class=\"\" data-start=\"351\" data-end=\"509\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">A taxa Selic, que influencia diretamente os juros dos financiamentos, foi elevada para <strong data-start=\"87\" data-end=\"104\">14,25% ao ano<\/strong> em mar\u00e7o de 2025 pelo Comit\u00ea de Pol\u00edtica Monet\u00e1ria (Copom) do Banco Central<\/span> . <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Essa eleva\u00e7\u00e3o visa conter a infla\u00e7\u00e3o, que tem mostrado resist\u00eancia, especialmente no setor de servi\u00e7os.<\/span><\/p>\n<h3 class=\"\" data-start=\"511\" data-end=\"550\">Impacto da Selic nos Financiamentos<\/h3>\n<p class=\"\" data-start=\"552\" data-end=\"671\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Com a Selic em alta, os financiamentos imobili\u00e1rios tendem a ter juros mais elevados, tornando as parcelas mensais mais onerosas para os compradores.<\/span> <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">\u00c9 essencial considerar esse fator ao planejar a compra de um im\u00f3vel financiado.<\/span>\u200b<\/p>\n<hr class=\"\" data-start=\"673\" data-end=\"676\" \/>\n<h2 class=\"\" data-start=\"678\" data-end=\"732\">2. <strong data-start=\"684\" data-end=\"732\">Taxas de Juros dos Principais Bancos em 2025<\/strong><\/h2>\n<p class=\"\" data-start=\"734\" data-end=\"857\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">As taxas de juros para financiamento imobili\u00e1rio variam entre as institui\u00e7\u00f5es financeiras e dependem do perfil do cliente.<\/span> <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Abaixo, apresentamos uma compara\u00e7\u00e3o das taxas m\u00ednimas praticadas pelos principais bancos<\/span><\/p>\n<ul data-start=\"859\" data-end=\"1252\">\n<li class=\"\" data-start=\"859\" data-end=\"929\">\n<p class=\"\" data-start=\"861\" data-end=\"929\"><strong data-start=\"861\" data-end=\"888\">Caixa Econ\u00f4mica Federal<\/strong>: <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">a partir de <strong data-start=\"12\" data-end=\"32\" data-is-last-node=\"\">11,29% a.a. + TR<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"930\" data-end=\"985\">\n<p class=\"\" data-start=\"932\" data-end=\"985\"><strong data-start=\"932\" data-end=\"944\">Bradesco<\/strong>: <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">a partir de <strong data-start=\"12\" data-end=\"32\" data-is-last-node=\"\">11,90% a.a. + TR<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"986\" data-end=\"1042\">\n<p class=\"\" data-start=\"988\" data-end=\"1042\"><strong data-start=\"988\" data-end=\"1001\">Santander<\/strong>: <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">a partir de <strong data-start=\"12\" data-end=\"32\" data-is-last-node=\"\">11,99% a.a. + TR<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"1043\" data-end=\"1103\">\n<p class=\"\" data-start=\"1045\" data-end=\"1103\"><strong data-start=\"1045\" data-end=\"1062\">Ita\u00fa Unibanco<\/strong>: <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">a partir de <strong data-start=\"12\" data-end=\"32\" data-is-last-node=\"\">12,19% a.a. + TR<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"1104\" data-end=\"1252\">\n<p class=\"\" data-start=\"1106\" data-end=\"1252\"><strong data-start=\"1106\" data-end=\"1125\">Banco do Brasil<\/strong>: <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">a partir de <strong data-start=\"12\" data-end=\"32\" data-is-last-node=\"\">12,00% a.a. + TR<\/strong><\/span> \u200b<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1254\" data-end=\"1339\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Essas taxas podem variar conforme o relacionamento do cliente com o banco, o valor do im\u00f3vel, o valor da entrada e o prazo do financiamento.<\/span>\u200b<\/p>\n<hr class=\"\" data-start=\"1341\" data-end=\"1344\" \/>\n<h2 class=\"\" data-start=\"1346\" data-end=\"1382\">3. <strong data-start=\"1352\" data-end=\"1382\">Simula\u00e7\u00e3o de Financiamento<\/strong><\/h2>\n<p class=\"\" data-start=\"1384\" data-end=\"1509\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Para entender melhor como as taxas de juros impactam o valor das parcelas, \u00e9 recomend\u00e1vel utilizar simuladores de financiamento.<\/span> <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">A LARYA oferece uma ferramenta gratuita que permite comparar diferentes cen\u00e1rios e encontrar a melhor op\u00e7\u00e3o para o seu perfil.<\/span>\u200b<\/p>\n<p class=\"\" data-start=\"1511\" data-end=\"1617\"><a target=\"_new\" rel=\"noopener\" data-start=\"1511\" data-end=\"1617\">Simule seu financiamento com a LARYA<\/a><\/p>\n<hr class=\"\" data-start=\"1619\" data-end=\"1622\" \/>\n<h2 class=\"\" data-start=\"1624\" data-end=\"1676\">4. <strong data-start=\"1630\" data-end=\"1676\">Dicas para Conseguir as Melhores Condi\u00e7\u00f5es<\/strong><\/h2>\n<ul data-start=\"1678\" data-end=\"2038\">\n<li class=\"\" data-start=\"1678\" data-end=\"1761\">\n<p class=\"\" data-start=\"1680\" data-end=\"1761\"><strong data-start=\"1680\" data-end=\"1720\">Mantenha um bom hist\u00f3rico de cr\u00e9dito<\/strong>: <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">um score elevado aumenta as chances de obter melhores taxas.<\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"1762\" data-end=\"1842\">\n<p class=\"\" data-start=\"1764\" data-end=\"1842\"><strong data-start=\"1764\" data-end=\"1801\">Ofere\u00e7a uma entrada significativa<\/strong>: <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">quanto maior o valor da entrada, menores ser\u00e3o as parcelas e os juros totais.<\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"1843\" data-end=\"1921\">\n<p class=\"\" data-start=\"1845\" data-end=\"1921\"><strong data-start=\"1845\" data-end=\"1880\">Compare diferentes institui\u00e7\u00f5es<\/strong>: <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">as condi\u00e7\u00f5es variam entre os bancos; portanto, \u00e9 essencial pesquisar.<\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"1922\" data-end=\"2038\">\n<p class=\"\" data-start=\"1924\" data-end=\"2038\"><strong data-start=\"1924\" data-end=\"1951\">Considere o uso do FGTS<\/strong>: <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">em alguns casos, \u00e9 poss\u00edvel utilizar o saldo do FGTS para abater parte do valor financiado.<\/span>\u200b<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"2040\" data-end=\"2043\" \/>\n<h2 class=\"\" data-start=\"2045\" data-end=\"2064\">5. <strong data-start=\"2051\" data-end=\"2064\">Conclus\u00e3o<\/strong><\/h2>\n<p class=\"\" data-start=\"2066\" data-end=\"2191\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Em 2025, financiar um im\u00f3vel requer planejamento e aten\u00e7\u00e3o \u00e0s condi\u00e7\u00f5es econ\u00f4micas, especialmente \u00e0 taxa Selic e \u00e0s taxas praticadas pelos bancos.<\/span> <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Utilizar ferramentas de simula\u00e7\u00e3o e buscar orienta\u00e7\u00e3o especializada pode fazer a diferen\u00e7a na obten\u00e7\u00e3o de condi\u00e7\u00f5es mais favor\u00e1veis.<\/span>\u200b<\/p>\n<p class=\"\" data-start=\"2193\" data-end=\"2277\">Para mais informa\u00e7\u00f5es e suporte personalizado, entre em contato com a LARYA<\/p>\n<p class=\"\" data-start=\"2279\" data-end=\"2358\"><a target=\"_new\" rel=\"noopener\" data-start=\"2279\" data-end=\"2358\">Entre em contato com a LARYA<\/a><\/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;13183&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;19&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 - (19 votos)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Como financiar um imovel\u200b em 2025?&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 - (19 votos)    <\/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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=emprestimo-imobiliario\">Empr\u00e9stimo Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento\">Financiamento<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-de-imoveis\">Financiamento de Im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=hipoteca\">Hipoteca<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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-simular-financiamento-de-1-milhao\/'>\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-16673-5A1onlsoq4' data-post_id='16673'>\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 carta de cr\u00e9dito na hora da compra?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=consorcio-de-imoveis\">Cons\u00f3rcio de Imoveis<\/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>Entender <b>como funciona carta de credito<\/b> \u00e9 essencial: ela equivale a dinheiro \u00e0 vista. Quando voc\u00ea \u00e9 contemplado, a administradora paga o vendedor do im\u00f3vel (ou os fornecedores da obra) diretamente. Isso lhe d\u00e1 enorme poder de barganha para negociar descontos no valor do im\u00f3vel. Importante ressaltar que a carta sofre reajustes anuais (geralmente pelo INCC para constru\u00e7\u00e3o ou IPCA), garantindo que seu poder de compra n\u00e3o seja corro\u00eddo pela infla\u00e7\u00e3o enquanto voc\u00ea aguarda a contempla\u00e7\u00e3o.<\/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;16673&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 carta de cr\u00e9dito na hora da compra?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=carta-de-credito\">Carta de Cr\u00e9dito<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=como-funciona-consorcio\">Como Funciona Cons\u00f3rcio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=consorcio-de-imovel\">Cons\u00f3rcio de Im\u00f3vel<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=construcao-de-casa\">Constru\u00e7\u00e3o de Casa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=investimento-imobiliario\">Investimento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=lance-embutido\">Lance Embutido<\/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-carta-de-credito-na-hora-da-compra\/'>\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-16661-LeBJMVHKPc' 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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=caixa\">Caixa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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-14416-b4sknefGhc' data-post_id='14416'>\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 parceria com a LARYA\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=corretor-de-imoveis\">Corretor de Im\u00f3veis<\/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 class=\"\" data-start=\"2224\" data-end=\"2450\"><strong data-start=\"2224\" data-end=\"2290\">Como funciona o simulador de financiamento imobili\u00e1rio online?<\/strong><br data-start=\"2290\" data-end=\"2293\" \/>A ferramenta simula quanto o cliente pode financiar com base em renda, valor do im\u00f3vel, entrada e prazos. Ela \u00e9 gratuita e acess\u00edvel para todos os parceiros.<\/p>\n<p class=\"\" data-start=\"2452\" data-end=\"2672\"><strong data-start=\"2452\" data-end=\"2483\">Quem pode indicar clientes?<\/strong><br data-start=\"2483\" data-end=\"2486\" \/>Corretores de im\u00f3veis, consultores, imobili\u00e1rias e profissionais que atuam como <strong data-start=\"2566\" data-end=\"2602\">correspondente imobili\u00e1rio Caixa<\/strong>, Bradesco, Santander ou outros bancos \u2014 ou que desejam come\u00e7ar agora.<\/p>\n<p class=\"\" data-start=\"2674\" data-end=\"2829\"><strong data-start=\"2674\" data-end=\"2748\">A comiss\u00e3o \u00e9 garantida mesmo se o im\u00f3vel n\u00e3o estiver na LARYA?<\/strong><br data-start=\"2748\" data-end=\"2751\" \/>Sim! O im\u00f3vel pode ser de qualquer plataforma ou contato direto com o cliente.<\/p>\n<p class=\"\" data-start=\"2831\" data-end=\"3032\"><strong data-start=\"2831\" data-end=\"2903\">Como ser um correspondente banc\u00e1rio imobili\u00e1rio com a LARYA?<\/strong><br data-start=\"2903\" data-end=\"2906\" \/>N\u00e3o \u00e9 necess\u00e1rio certifica\u00e7\u00e3o formal. Basta preencher nosso formul\u00e1rio de parceria, seguir nosso processo e come\u00e7ar a indicar.<\/p>\n<p class=\"\" data-start=\"3034\" data-end=\"3209\"><strong data-start=\"3034\" data-end=\"3077\">Trabalham com financiamento pela Caixa?<\/strong><br data-start=\"3077\" data-end=\"3080\" \/>Sim! Somos <strong data-start=\"3091\" data-end=\"3146\">correspondente Caixa para financiamento imobili\u00e1rio<\/strong> e temos acesso direto \u00e0s simula\u00e7\u00f5es, taxas e condi\u00e7\u00f5es da CEF.<\/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;14416&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;Como funciona a parceria com a LARYA&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=corretor-de-imoveis\">corretor de im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-de-imoveis\">Financiamento de Im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=parceria-de-financiamento-imobiliario\">Parceria de financiamento imobili\u00e1rio<\/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-parceria-com-a-larya\/'>\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-16679-5nIIADHrhY' data-post_id='16679'>\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 simula\u00e7\u00e3o digital da LARYA e quais documentos preciso?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=portabilidade-credito-imobiliario\">Portabilidade de Cr\u00e9dito Imobili\u00e1rio<\/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>Nosso processo \u00e9 desenhado para ser \u00e1gil e sem burocracia. Atrav\u00e9s do nosso <b>Simulador de Portabilidade<\/b>, comparamos automaticamente as taxas dos principais players do mercado (<b>Caixa, Santander, Ita\u00fa, Bradesco<\/b>). Para avan\u00e7ar, voc\u00ea precisar\u00e1 basicamente de: documento de identidade, comprovante de renda atualizado e o <b>extrato do saldo devedor<\/b> do financiamento atual. Nossa equipe cuida de toda a an\u00e1lise jur\u00eddica e negocia\u00e7\u00e3o interbanc\u00e1ria via WhatsApp, garantindo que voc\u00ea s\u00f3 v\u00e1 ao banco para assinar o novo contrato.<\/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;16679&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 simula\u00e7\u00e3o digital da LARYA e quais documentos preciso?&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\/como-funciona-a-simulacao-digital-da-larya-e-quais-documentos-preciso\/'>\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-16670-HfQK3pZGPZ' data-post_id='16670'>\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 o cons\u00f3rcio de im\u00f3vel para quem quer construir?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=consorcio-de-imoveis\">Cons\u00f3rcio de Imoveis<\/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>Muitos t\u00eam d\u00favidas sobre <b>como funciona consorcio de imovel<\/b> voltado para obras. A din\u00e2mica \u00e9 flex\u00edvel: voc\u00ea pode usar a <b>carta de cr\u00e9dito<\/b> primeiro para comprar o terreno e usar o saldo restante para construir. A administradora libera o dinheiro conforme o cronograma f\u00edsico-financeiro da obra (medi\u00e7\u00f5es de engenharia). Diferente de comprar uma casa pronta, aqui voc\u00ea tem o poder de negocia\u00e7\u00e3o de compra \u00e0 vista com fornecedores de material, maximizando o poder de compra da sua carta.<\/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;16670&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 o cons\u00f3rcio de im\u00f3vel para quem quer construir?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=carta-de-credito\">Carta de Cr\u00e9dito<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=como-funciona-consorcio\">Como Funciona Cons\u00f3rcio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=como-ser-contemplado\">Como Ser Contemplado<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=consorcio-de-imovel\">Cons\u00f3rcio de Im\u00f3vel<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=construcao-de-casa\">Constru\u00e7\u00e3o de Casa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=investimento-imobiliario\">Investimento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=lance-embutido\">Lance Embutido<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=uso-do-fgts\">Uso do FGTS<\/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-o-consorcio-de-imovel-para-quem-quer-construir\/'>\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-OX3yEhLz7u' 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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=construcao\">constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento\">Financiamento<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-de-construcao\">financiamento de constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiar-terreno\">financiar terreno<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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-14905-XwmmOF7wyf' data-post_id='14905'>\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 uma avalia\u00e7\u00e3o imobili\u00e1ria profissional?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=avaliacao-de-imoveis\">Avalia\u00e7\u00e3o de Im\u00f3veis<\/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 class=\"\" data-start=\"90\" data-end=\"420\">A <strong data-start=\"92\" data-end=\"130\">avalia\u00e7\u00e3o imobili\u00e1ria profissional<\/strong> em 2025 \u00e9 um processo t\u00e9cnico e criterioso, realizado por um corretor credenciado ou engenheiro de avalia\u00e7\u00e3o, com base em normas da ABNT (como a NBR 14.653). Ela serve para determinar o <strong data-start=\"317\" data-end=\"350\">valor de mercado de um im\u00f3vel<\/strong> com precis\u00e3o, seja para venda, financiamento, invent\u00e1rio ou partilha.<\/p>\n<p class=\"\" data-start=\"422\" data-end=\"441\">O processo envolve:<\/p>\n<ul data-start=\"443\" data-end=\"872\">\n<li class=\"\" data-start=\"443\" data-end=\"597\">\n<p class=\"\" data-start=\"445\" data-end=\"597\"><strong data-start=\"445\" data-end=\"469\">Inspe\u00e7\u00e3o presencial:<\/strong> O avaliador visita o im\u00f3vel, analisa o estado de conserva\u00e7\u00e3o, metragem, acabamento, idade do pr\u00e9dio e outros atributos f\u00edsicos.<\/p>\n<\/li>\n<li class=\"\" data-start=\"598\" data-end=\"713\">\n<p class=\"\" data-start=\"600\" data-end=\"713\"><strong data-start=\"600\" data-end=\"624\">An\u00e1lise comparativa:<\/strong> Compara o im\u00f3vel com outros semelhantes que foram vendidos recentemente na mesma regi\u00e3o.<\/p>\n<\/li>\n<li class=\"\" data-start=\"714\" data-end=\"872\">\n<p class=\"\" data-start=\"716\" data-end=\"872\"><strong data-start=\"716\" data-end=\"747\">Laudo t\u00e9cnico de avalia\u00e7\u00e3o:<\/strong> Documento detalhado que apresenta o valor estimado do im\u00f3vel, justificativas t\u00e9cnicas, fotos, mapas e metodologia utilizada.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"874\" data-end=\"1058\">Essa avalia\u00e7\u00e3o \u00e9 essencial para <strong data-start=\"906\" data-end=\"950\">garantir seguran\u00e7a jur\u00eddica e financeira<\/strong> na negocia\u00e7\u00e3o de um im\u00f3vel e \u00e9 frequentemente exigida por bancos em processos de financiamento imobili\u00e1rio.<\/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;14905&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 uma avalia\u00e7\u00e3o imobili\u00e1ria profissional?&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\/como-funciona-uma-avaliacao-imobiliaria-profissional\/'>\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-zOM88Xcvle' 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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=caixa\">Caixa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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-14903-7UGxFItY0t' data-post_id='14903'>\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 saber o valor real do meu im\u00f3vel em 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=avaliacao-de-imoveis\">Avalia\u00e7\u00e3o de Im\u00f3veis<\/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 class=\"\" data-start=\"92\" data-end=\"441\">Saber o <strong data-start=\"100\" data-end=\"136\">valor real do seu im\u00f3vel em 2025<\/strong> \u00e9 fundamental para vender, alugar ou at\u00e9 solicitar cr\u00e9dito com garantias s\u00f3lidas. Hoje, com o avan\u00e7o da tecnologia, existem solu\u00e7\u00f5es digitais que permitem estimativas r\u00e1pidas e precisas, como as ferramentas de <strong data-start=\"347\" data-end=\"388\">AVM (Avalia\u00e7\u00e3o Autom\u00e1tica de Im\u00f3veis)<\/strong> oferecidas por plataformas como a LARYA.<\/p>\n<p class=\"\" data-start=\"443\" data-end=\"785\">Essas solu\u00e7\u00f5es utilizam dados de mercado atualizados, localiza\u00e7\u00e3o, tamanho, n\u00famero de quartos, vagas de garagem e hist\u00f3rico de transa\u00e7\u00f5es para calcular o <strong data-start=\"597\" data-end=\"636\">pre\u00e7o de mercado por metro quadrado<\/strong>. Al\u00e9m disso, fatores como <strong data-start=\"663\" data-end=\"688\">estado de conserva\u00e7\u00e3o<\/strong>, <strong data-start=\"690\" data-end=\"699\">andar<\/strong>, <strong data-start=\"701\" data-end=\"710\">vista<\/strong> e <strong data-start=\"713\" data-end=\"751\">proximidade a com\u00e9rcios e servi\u00e7os<\/strong> tamb\u00e9m influenciam na estimativa.<\/p>\n<p class=\"\" data-start=\"787\" data-end=\"1147\">Se a finalidade for jur\u00eddica ou banc\u00e1ria (como para financiamento ou partilhas), recomenda-se uma <strong data-start=\"885\" data-end=\"923\">avalia\u00e7\u00e3o imobili\u00e1ria profissional<\/strong> com laudo t\u00e9cnico feito por engenheiros ou corretores credenciados. Mas para fins comerciais e informativos, o uso de plataformas confi\u00e1veis com AVM \u00e9 mais do que suficiente e pode ser feito de forma gratuita e 100% online.<\/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;14903&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 saber o valor real do meu im\u00f3vel em 2025?&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\/como-saber-o-valor-real-do-meu-imovel-em-2025\/'>\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-13609-yywwti69cb' data-post_id='13609'>\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 ser aprovado na an\u00e1lise de cr\u00e9dito para financiamento imobili\u00e1rio em 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<div class=\"flex-shrink-0 flex flex-col relative items-end\">\n<div class=\"pt-0\">\n<div class=\"gizmo-bot-avatar flex h-8 w-8 items-center justify-center overflow-hidden rounded-full\">\n<div class=\"relative p-1 rounded-sm flex items-center justify-center bg-token-main-surface-primary text-token-text-primary h-8 w-8\">\n<p class=\"\" data-start=\"660\" data-end=\"1041\"><strong data-start=\"660\" data-end=\"727\">1. O que \u00e9 a an\u00e1lise de cr\u00e9dito para financiamento imobili\u00e1rio?<\/strong><br data-start=\"727\" data-end=\"730\" \/>A an\u00e1lise de cr\u00e9dito \u00e9 a etapa onde o banco avalia se voc\u00ea pode assumir um financiamento. Ela considera fatores como sua <strong data-start=\"851\" data-end=\"867\">renda mensal<\/strong>, seu <strong data-start=\"873\" data-end=\"893\">score de cr\u00e9dito<\/strong>, hist\u00f3rico financeiro e se voc\u00ea tem outras d\u00edvidas ativas. O objetivo \u00e9 verificar a <strong data-start=\"978\" data-end=\"1005\">capacidade de pagamento<\/strong> e reduzir o risco de inadimpl\u00eancia.<\/p>\n<hr class=\"\" data-start=\"1043\" data-end=\"1046\" \/>\n<p class=\"\" data-start=\"1048\" data-end=\"1181\"><strong data-start=\"1048\" data-end=\"1103\">2. Como ser aprovado na an\u00e1lise de cr\u00e9dito em 2025?<\/strong><br data-start=\"1103\" data-end=\"1106\" \/>Para ter seu <strong data-start=\"1119\" data-end=\"1152\">financiamento aprovado r\u00e1pido<\/strong>, siga estas boas pr\u00e1ticas:<\/p>\n<ul data-start=\"1182\" data-end=\"1436\">\n<li class=\"\" data-start=\"1182\" data-end=\"1222\">\n<p class=\"\" data-start=\"1184\" data-end=\"1222\">Tenha o nome limpo e o score em alta<\/p>\n<\/li>\n<li class=\"\" data-start=\"1223\" data-end=\"1281\">\n<p class=\"\" data-start=\"1225\" data-end=\"1281\">Comprove sua renda com documentos claros e atualizados<\/p>\n<\/li>\n<li class=\"\" data-start=\"1282\" data-end=\"1363\">\n<p class=\"\" data-start=\"1284\" data-end=\"1363\">Evite ter grande parte da sua renda j\u00e1 comprometida com outros financiamentos<\/p>\n<\/li>\n<li class=\"\" data-start=\"1364\" data-end=\"1397\">\n<p class=\"\" data-start=\"1366\" data-end=\"1397\">Tenha um bom valor de entrada<\/p>\n<\/li>\n<li class=\"\" data-start=\"1398\" data-end=\"1436\">\n<p class=\"\" data-start=\"1400\" data-end=\"1436\">Organize toda a documenta\u00e7\u00e3o exigida<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"1438\" data-end=\"1441\" \/>\n<p class=\"\" data-start=\"1443\" data-end=\"1733\"><strong data-start=\"1443\" data-end=\"1505\">3. Qual o score m\u00ednimo para aprova\u00e7\u00e3o em um financiamento?<\/strong><br data-start=\"1505\" data-end=\"1508\" \/>Cada banco tem crit\u00e9rios diferentes, mas, em geral, um <strong data-start=\"1563\" data-end=\"1603\">score de cr\u00e9dito acima de 700 pontos<\/strong> \u00e9 considerado ideal. Ainda assim, com comprova\u00e7\u00e3o de renda s\u00f3lida e boa entrada, \u00e9 poss\u00edvel ser aprovado com um score mais baixo.<\/p>\n<hr class=\"\" data-start=\"1735\" data-end=\"1738\" \/>\n<p class=\"\" data-start=\"1740\" data-end=\"1877\"><strong data-start=\"1740\" data-end=\"1803\">4. Quais documentos s\u00e3o exigidos para a an\u00e1lise de cr\u00e9dito?<\/strong><br data-start=\"1803\" data-end=\"1806\" \/>Os <strong data-start=\"1809\" data-end=\"1854\">documentos para financiamento imobili\u00e1rio<\/strong> mais comuns incluem:<\/p>\n<ul data-start=\"1878\" data-end=\"2062\">\n<li class=\"\" data-start=\"1878\" data-end=\"1890\">\n<p class=\"\" data-start=\"1880\" data-end=\"1890\">RG e CPF<\/p>\n<\/li>\n<li class=\"\" data-start=\"1891\" data-end=\"1920\">\n<p class=\"\" data-start=\"1893\" data-end=\"1920\">Comprovante de resid\u00eancia<\/p>\n<\/li>\n<li class=\"\" data-start=\"1921\" data-end=\"1979\">\n<p class=\"\" data-start=\"1923\" data-end=\"1979\">Comprovantes de renda (holerite, extrato banc\u00e1rio, IR)<\/p>\n<\/li>\n<li class=\"\" data-start=\"1980\" data-end=\"2019\">\n<p class=\"\" data-start=\"1982\" data-end=\"2019\">Certid\u00e3o de nascimento ou casamento<\/p>\n<\/li>\n<li class=\"\" data-start=\"2020\" data-end=\"2062\">\n<p class=\"\" data-start=\"2022\" data-end=\"2062\">Documenta\u00e7\u00e3o do im\u00f3vel, quando aplic\u00e1vel<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"2064\" data-end=\"2067\" \/>\n<p class=\"\" data-start=\"2069\" data-end=\"2166\"><strong data-start=\"2069\" data-end=\"2121\">5. O que pode reprovar minha an\u00e1lise de cr\u00e9dito?<\/strong><br data-start=\"2121\" data-end=\"2124\" \/>Os principais motivos de reprova\u00e7\u00e3o s\u00e3o:<\/p>\n<ul data-start=\"2167\" data-end=\"2338\">\n<li class=\"\" data-start=\"2167\" data-end=\"2207\">\n<p class=\"\" data-start=\"2169\" data-end=\"2207\">Nome negativado ou score muito baixo<\/p>\n<\/li>\n<li class=\"\" data-start=\"2208\" data-end=\"2253\">\n<p class=\"\" data-start=\"2210\" data-end=\"2253\">Renda incompat\u00edvel com o valor financiado<\/p>\n<\/li>\n<li class=\"\" data-start=\"2254\" data-end=\"2308\">\n<p class=\"\" data-start=\"2256\" data-end=\"2308\">Documenta\u00e7\u00e3o incompleta ou inconsist\u00eancia de dados<\/p>\n<\/li>\n<li class=\"\" data-start=\"2309\" data-end=\"2338\">\n<p class=\"\" data-start=\"2311\" data-end=\"2338\">Alto n\u00edvel de endividamento<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"2340\" data-end=\"2343\" \/>\n<p class=\"\" data-start=\"2345\" data-end=\"2583\"><strong data-start=\"2345\" data-end=\"2412\">6. Quanto da minha renda posso comprometer com o financiamento?<\/strong><br data-start=\"2412\" data-end=\"2415\" \/>A maioria dos bancos aceita que at\u00e9 <strong data-start=\"2451\" data-end=\"2482\">30% da renda familiar bruta<\/strong> seja usada na parcela mensal. Acima disso, o risco \u00e9 maior e pode resultar na reprova\u00e7\u00e3o do cr\u00e9dito.<\/p>\n<hr class=\"\" data-start=\"2585\" data-end=\"2588\" \/>\n<p class=\"\" data-start=\"2590\" data-end=\"2654\"><strong data-start=\"2590\" data-end=\"2652\">7. Como melhorar meu score para financiamento imobili\u00e1rio?<\/strong><\/p>\n<ul data-start=\"2655\" data-end=\"2872\">\n<li class=\"\" data-start=\"2655\" data-end=\"2678\">\n<p class=\"\" data-start=\"2657\" data-end=\"2678\">Pague contas em dia<\/p>\n<\/li>\n<li class=\"\" data-start=\"2679\" data-end=\"2720\">\n<p class=\"\" data-start=\"2681\" data-end=\"2720\">Limpe seu nome, se estiver negativado<\/p>\n<\/li>\n<li class=\"\" data-start=\"2721\" data-end=\"2766\">\n<p class=\"\" data-start=\"2723\" data-end=\"2766\">Reduza o n\u00famero de empr\u00e9stimos ou cart\u00f5es<\/p>\n<\/li>\n<li class=\"\" data-start=\"2767\" data-end=\"2816\">\n<p class=\"\" data-start=\"2769\" data-end=\"2816\">Mantenha seu CPF ativo em servi\u00e7os de cr\u00e9dito<\/p>\n<\/li>\n<li class=\"\" data-start=\"2817\" data-end=\"2872\">\n<p class=\"\" data-start=\"2819\" data-end=\"2872\">Atualize seus dados em bir\u00f4s como Serasa ou Boa Vista<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"2874\" data-end=\"2877\" \/>\n<p class=\"\" data-start=\"2879\" data-end=\"3058\"><strong data-start=\"2879\" data-end=\"2954\">8. A LARYA pode me ajudar a ser aprovado na an\u00e1lise de cr\u00e9dito?<\/strong><br data-start=\"2954\" data-end=\"2957\" \/>Sim. Nossa equipe oferece <strong data-start=\"2983\" data-end=\"3038\">consultoria gratuita para financiamento imobili\u00e1rio<\/strong>, ajudando voc\u00ea a:<\/p>\n<ul data-start=\"3059\" data-end=\"3246\">\n<li class=\"\" data-start=\"3059\" data-end=\"3101\">\n<p class=\"\" data-start=\"3061\" data-end=\"3101\">Simular o valor ideal de financiamento<\/p>\n<\/li>\n<li class=\"\" data-start=\"3102\" data-end=\"3153\">\n<p class=\"\" data-start=\"3104\" data-end=\"3153\">Escolher o banco mais compat\u00edvel com seu perfil<\/p>\n<\/li>\n<li class=\"\" data-start=\"3154\" data-end=\"3187\">\n<p class=\"\" data-start=\"3156\" data-end=\"3187\">Organizar toda a documenta\u00e7\u00e3o<\/p>\n<\/li>\n<li class=\"\" data-start=\"3188\" data-end=\"3246\">\n<p class=\"\" data-start=\"3190\" data-end=\"3246\">Aumentar suas chances de aprova\u00e7\u00e3o, com menos burocracia<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"3248\" data-end=\"3373\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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;13609&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 ser aprovado na an\u00e1lise de cr\u00e9dito para financiamento imobili\u00e1rio em 2025?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=emprestimo-imobiliario\">Empr\u00e9stimo Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento\">Financiamento<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-de-imoveis\">Financiamento de Im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=hipoteca\">Hipoteca<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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-ser-aprovado-em-analise-de-credito\/'>\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-16671-OcR9E3gdye' data-post_id='16671'>\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 ser contemplado no cons\u00f3rcio mais r\u00e1pido usando o Lance Embutido?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=consorcio-de-imoveis\">Cons\u00f3rcio de Imoveis<\/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 grande d\u00favida \u00e9 <b>como ser contemplado no cons\u00f3rcio<\/b> sem depender apenas da sorte. Al\u00e9m do lance livre (dinheiro do bolso), existe a estrat\u00e9gia do <b>Lance Embutido<\/b>. Nela, voc\u00ea utiliza parte da pr\u00f3pria <b>carta de cr\u00e9dito<\/b> (geralmente at\u00e9 30%) para ofertar o lance. Exemplo: numa carta de R$ 500 mil, voc\u00ea oferta R$ 150 mil da pr\u00f3pria carta. Se contemplado, voc\u00ea recebe R$ 350 mil l\u00edquidos. \u00c9 a estrat\u00e9gia mais eficiente para quem n\u00e3o tem capital dispon\u00edvel mas quer antecipar a libera\u00e7\u00e3o do cr\u00e9dito.<\/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;16671&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 ser contemplado no cons\u00f3rcio mais r\u00e1pido usando o Lance Embutido?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=carta-de-credito\">Carta de Cr\u00e9dito<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=como-funciona-consorcio\">Como Funciona Cons\u00f3rcio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=consorcio-de-imovel\">Cons\u00f3rcio de Im\u00f3vel<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=construcao-de-casa\">Constru\u00e7\u00e3o de Casa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=investimento-imobiliario\">Investimento Imobili\u00e1rio<\/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-ser-contemplado-no-consorcio-mais-rapido-usando-o-lance-embutido\/'>\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-14913-g87GSIWyDP' data-post_id='14913'>\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\tCorretor aut\u00f4nomo ou imobili\u00e1ria: qual a melhor op\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=corretor-de-imoveis\">Corretor de Im\u00f3veis<\/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 class=\"\" data-start=\"129\" data-end=\"377\">Ao comprar ou vender um im\u00f3vel em 2025, surge uma d\u00favida comum: contratar um <strong data-start=\"206\" data-end=\"238\">corretor de im\u00f3veis aut\u00f4nomo<\/strong> ou recorrer a uma <strong data-start=\"257\" data-end=\"272\">imobili\u00e1ria<\/strong>? Ambas as op\u00e7\u00f5es t\u00eam pr\u00f3s e contras, e a escolha ideal depende do perfil do cliente e do tipo de im\u00f3vel.<\/p>\n<p class=\"\" data-start=\"379\" data-end=\"609\"><strong data-start=\"379\" data-end=\"400\">Corretor Aut\u00f4nomo<\/strong><br data-start=\"400\" data-end=\"403\" \/>\u2714\ufe0f Atendimento mais personalizado e flex\u00edvel.<br data-start=\"448\" data-end=\"451\" \/>\u2714\ufe0f Negocia\u00e7\u00e3o direta, o que pode agilizar processos.<br data-start=\"503\" data-end=\"506\" \/>\u274c Pode ter estrutura limitada (divulga\u00e7\u00e3o, jur\u00eddico, etc.).<br data-start=\"565\" data-end=\"568\" \/>\u274c Maior varia\u00e7\u00e3o na qualidade do servi\u00e7o.<\/p>\n<p class=\"\" data-start=\"611\" data-end=\"832\"><strong data-start=\"611\" data-end=\"626\">Imobili\u00e1ria<\/strong><br data-start=\"626\" data-end=\"629\" \/>\u2714\ufe0f Estrutura completa: jur\u00eddico, marketing, suporte e acompanhamento.<br data-start=\"698\" data-end=\"701\" \/>\u2714\ufe0f Maior carteira de im\u00f3veis e visibilidade no mercado.<br data-start=\"756\" data-end=\"759\" \/>\u274c Atendimento mais impessoal.<br data-start=\"788\" data-end=\"791\" \/>\u274c Taxas e comiss\u00f5es podem ser mais altas.<\/p>\n<p class=\"\" data-start=\"834\" data-end=\"1060\"><strong data-start=\"834\" data-end=\"843\">Dica:<\/strong> Utilize plataformas como <strong data-start=\"869\" data-end=\"886\">LARYA<\/strong> para comparar profissionais aut\u00f4nomos e imobili\u00e1rias com base em performance, hist\u00f3rico e avalia\u00e7\u00e3o de clientes. Assim, voc\u00ea encontra a melhor op\u00e7\u00e3o com base em dados reais.<\/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;14913&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;Corretor aut\u00f4nomo ou imobili\u00e1ria: qual a melhor op\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\/corretor-autonomo-ou-imobiliaria-qual-a-melhor-opcao\/'>\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-16684-8BWZkcubzI' data-post_id='16684'>\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\tCorro o risco de perder meu im\u00f3vel ao coloc\u00e1-lo como garantia?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=emprestimo-com-garantia-de-imovel\">Empr\u00e9stimo com Garantia de Im\u00f3vel<\/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 medo da perda \u00e9 comum, mas o processo \u00e9 extremamente regulamentado e seguro. Na pr\u00e1tica, o im\u00f3vel permanece em sua posse direta \u2014 voc\u00ea continua morando, alugando ou utilizando o bem normalmente. A <b>aliena\u00e7\u00e3o fiduci\u00e1ria<\/b> apenas insere o banco como copropriet\u00e1rio indireto at\u00e9 a quita\u00e7\u00e3o do contrato. O objetivo das institui\u00e7\u00f5es financeiras, parceiras da LARYA, \u00e9 receber o pagamento das parcelas, n\u00e3o retomar im\u00f3veis. Com prazos longos (at\u00e9 20 anos) e juros baixos, as parcelas tornam-se suaves e adequadas ao seu or\u00e7amento, tornando o risco de inadimpl\u00eancia muito menor do que em d\u00edvidas de curto prazo.<\/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;16684&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;Corro o risco de perder meu im\u00f3vel ao coloc\u00e1-lo como garantia?&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\/corro-o-risco-de-perder-meu-imovel-ao-coloca-lo-como-garantia\/'>\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-sMFuIfnGGB' 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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=caixa\">Caixa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=construcao\">constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=construir-financiado\">construir financiado<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-para-construir\">financiamento para construir<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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-14916-wPo9F4SiUC' data-post_id='14916'>\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 melhor comprar im\u00f3vel novo ou usado?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=guia-do-comprador\">Guia do comprador<\/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 class=\"\" data-start=\"151\" data-end=\"353\">A escolha entre comprar um im\u00f3vel novo ou usado em 2025 depende do perfil do comprador, das condi\u00e7\u00f5es do mercado imobili\u00e1rio e dos objetivos de longo prazo. Veja um comparativo com os principais pontos:<\/p>\n<h4 class=\"\" data-start=\"355\" data-end=\"376\">\ufe0f Im\u00f3vel novo:<\/h4>\n<ul data-start=\"377\" data-end=\"915\">\n<li class=\"\" data-start=\"377\" data-end=\"728\">\n<p class=\"\" data-start=\"379\" data-end=\"393\"><strong data-start=\"379\" data-end=\"392\">Vantagens<\/strong>:<\/p>\n<ul data-start=\"396\" data-end=\"728\">\n<li class=\"\" data-start=\"396\" data-end=\"486\">\n<p class=\"\" data-start=\"398\" data-end=\"486\">Estrutura moderna, com materiais atualizados e menos necessidade de manuten\u00e7\u00e3o imediata.<\/p>\n<\/li>\n<li class=\"\" data-start=\"489\" data-end=\"561\">\n<p class=\"\" data-start=\"491\" data-end=\"561\">Maior valoriza\u00e7\u00e3o a longo prazo, especialmente em bairros em expans\u00e3o.<\/p>\n<\/li>\n<li class=\"\" data-start=\"564\" data-end=\"644\">\n<p class=\"\" data-start=\"566\" data-end=\"644\">Condi\u00e7\u00f5es facilitadas de pagamento na planta ou via financiamento imobili\u00e1rio.<\/p>\n<\/li>\n<li class=\"\" data-start=\"647\" data-end=\"728\">\n<p class=\"\" data-start=\"649\" data-end=\"728\">Condom\u00ednios com infraestrutura moderna (coworking, academia, espa\u00e7o pet, etc.).<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"\" data-start=\"729\" data-end=\"915\">\n<p class=\"\" data-start=\"731\" data-end=\"748\"><strong data-start=\"731\" data-end=\"747\">Desvantagens<\/strong>:<\/p>\n<ul data-start=\"751\" data-end=\"915\">\n<li class=\"\" data-start=\"751\" data-end=\"799\">\n<p class=\"\" data-start=\"753\" data-end=\"799\">Pre\u00e7o por metro quadrado geralmente mais alto.<\/p>\n<\/li>\n<li class=\"\" data-start=\"802\" data-end=\"857\">\n<p class=\"\" data-start=\"804\" data-end=\"857\">Menor espa\u00e7o interno em compara\u00e7\u00e3o a im\u00f3veis antigos.<\/p>\n<\/li>\n<li class=\"\" data-start=\"860\" data-end=\"912\">\n<p class=\"\" data-start=\"862\" data-end=\"912\">Poss\u00edvel atraso na entrega (em im\u00f3veis na planta).<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4 class=\"\" data-start=\"916\" data-end=\"938\">\ufe0f Im\u00f3vel usado:<\/h4>\n<ul data-start=\"939\" data-end=\"1331\">\n<li class=\"\" data-start=\"939\" data-end=\"1130\">\n<p class=\"\" data-start=\"941\" data-end=\"955\"><strong data-start=\"941\" data-end=\"954\">Vantagens<\/strong>:<\/p>\n<ul data-start=\"958\" data-end=\"1130\">\n<li class=\"\" data-start=\"958\" data-end=\"1014\">\n<p class=\"\" data-start=\"960\" data-end=\"1014\">Pre\u00e7o mais competitivo e maior margem para negocia\u00e7\u00e3o.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1017\" data-end=\"1083\">\n<p class=\"\" data-start=\"1019\" data-end=\"1083\">Localiza\u00e7\u00f5es privilegiadas, em bairros centrais j\u00e1 consolidados.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1086\" data-end=\"1130\">\n<p class=\"\" data-start=\"1088\" data-end=\"1130\">Pronto para morar ou alugar imediatamente.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"\" data-start=\"1131\" data-end=\"1331\">\n<p class=\"\" data-start=\"1133\" data-end=\"1150\"><strong data-start=\"1133\" data-end=\"1149\">Desvantagens<\/strong>:<\/p>\n<ul data-start=\"1153\" data-end=\"1331\">\n<li class=\"\" data-start=\"1153\" data-end=\"1199\">\n<p class=\"\" data-start=\"1155\" data-end=\"1199\">Pode exigir reformas, com custos adicionais.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1202\" data-end=\"1272\">\n<p class=\"\" data-start=\"1204\" data-end=\"1272\">Instala\u00e7\u00f5es antigas e menos eficientes (el\u00e9trica, hidr\u00e1ulica, etc.).<\/p>\n<\/li>\n<li class=\"\" data-start=\"1275\" data-end=\"1331\">\n<p class=\"\" data-start=\"1277\" data-end=\"1331\">Maior cuidado na an\u00e1lise jur\u00eddica e t\u00e9cnica do im\u00f3vel.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1333\" data-end=\"1613\">A dica \u00e9 sempre comparar pre\u00e7os por metro quadrado com a ajuda de plataformas confi\u00e1veis, como a LARYA <strong data-start=\"1430\" data-end=\"1447\">l<\/strong>, que oferece dados de valoriza\u00e7\u00e3o por regi\u00e3o, simula\u00e7\u00f5es de financiamento e avalia\u00e7\u00f5es gratuitas (AVM). Assim, voc\u00ea toma a decis\u00e3o mais inteligente para o seu bolso.<\/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;14916&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 melhor comprar im\u00f3vel novo ou usado?&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\/e-melhor-comprar-imovel-novo-ou-usado\/'>\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-14911-oUIz84gsdx' data-post_id='14911'>\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 poss\u00edvel financiar im\u00f3vel sem entrada em 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/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 class=\"\" data-start=\"128\" data-end=\"509\">Sim, em 2025 \u00e9 poss\u00edvel <strong data-start=\"152\" data-end=\"187\">financiar um im\u00f3vel sem entrada<\/strong>, mas essa modalidade \u00e9 oferecida de forma <strong data-start=\"230\" data-end=\"268\">limitada e com crit\u00e9rios rigorosos<\/strong>. Em geral, os bancos exigem <strong data-start=\"297\" data-end=\"332\">entrada de pelo menos 10% a 20%<\/strong> do valor do im\u00f3vel. No entanto, algumas institui\u00e7\u00f5es financeiras e programas habitacionais est\u00e3o oferecendo <strong data-start=\"441\" data-end=\"488\">linhas de cr\u00e9dito com 100% de financiamento<\/strong>, especialmente para:<\/p>\n<ul data-start=\"511\" data-end=\"777\">\n<li class=\"\" data-start=\"511\" data-end=\"604\">\n<p class=\"\" data-start=\"513\" data-end=\"604\">Im\u00f3veis de <strong data-start=\"524\" data-end=\"539\">baixa renda<\/strong> (at\u00e9 R$ 264 mil) por meio do programa <strong data-start=\"578\" data-end=\"603\">Minha Casa Minha Vida<\/strong>.<\/p>\n<\/li>\n<li class=\"\" data-start=\"605\" data-end=\"684\">\n<p class=\"\" data-start=\"607\" data-end=\"684\">Clientes com <strong data-start=\"620\" data-end=\"644\">bom score de cr\u00e9dito<\/strong> e <strong data-start=\"647\" data-end=\"683\">relacionamento forte com o banco<\/strong>.<\/p>\n<\/li>\n<li class=\"\" data-start=\"685\" data-end=\"777\">\n<p class=\"\" data-start=\"687\" data-end=\"777\">Servidores p\u00fablicos ou profissionais de setores priorit\u00e1rios (educa\u00e7\u00e3o, seguran\u00e7a, sa\u00fade).<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"779\" data-end=\"857\">Al\u00e9m disso, \u00e9 poss\u00edvel conseguir <strong data-start=\"812\" data-end=\"828\">entrada zero<\/strong> atrav\u00e9s de construtoras que:<\/p>\n<ul data-start=\"858\" data-end=\"999\">\n<li class=\"\" data-start=\"858\" data-end=\"911\">\n<p class=\"\" data-start=\"860\" data-end=\"911\">Assumem o valor da entrada como forma de incentivo.<\/p>\n<\/li>\n<li class=\"\" data-start=\"912\" data-end=\"999\">\n<p class=\"\" data-start=\"914\" data-end=\"999\">Oferecem <strong data-start=\"923\" data-end=\"966\">parcelamento da entrada em at\u00e9 60 vezes<\/strong> diretamente com a incorporadora.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1001\" data-end=\"1248\">Aten\u00e7\u00e3o: financiar 100% do valor do im\u00f3vel <strong data-start=\"1047\" data-end=\"1092\">aumenta o risco e o valor final da d\u00edvida<\/strong>, j\u00e1 que os juros s\u00e3o aplicados sobre todo o montante. \u00c9 essencial <strong data-start=\"1159\" data-end=\"1198\">simular o financiamento imobili\u00e1rio<\/strong> com diferentes cen\u00e1rios antes de tomar a decis\u00e3o.<\/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;14911&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 poss\u00edvel financiar im\u00f3vel sem entrada em 2025?&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\/e-possivel-financiar-imovel-sem-entrada-em-2025\/'>\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-13610-XGllsNaMj9' data-post_id='13610'>\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 poss\u00edvel financiar terreno e constru\u00e7\u00e3o em 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-pre-wrap break-words [.text-message+&#038;]:mt-5 overflow-x-auto\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"dbd77eda-93d9-426f-a623-b865825f14ac\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<p class=\"\" data-start=\"531\" data-end=\"898\"><strong data-start=\"531\" data-end=\"595\">1. \u00c9 poss\u00edvel financiar terreno e constru\u00e7\u00e3o juntos em 2025?<\/strong><br data-start=\"595\" data-end=\"598\" \/>Sim! Em 2025, o <strong data-start=\"614\" data-end=\"655\">financiamento de terreno e constru\u00e7\u00e3o<\/strong> continua sendo uma das formas mais pr\u00e1ticas de realizar o sonho da casa pr\u00f3pria. Diversos bancos oferecem a op\u00e7\u00e3o de financiar <strong data-start=\"783\" data-end=\"833\">a compra do terreno e a obra na mesma opera\u00e7\u00e3o<\/strong>, com prazos que podem chegar a <strong data-start=\"865\" data-end=\"876\">35 anos<\/strong> e taxas competitivas.<\/p>\n<hr class=\"\" data-start=\"900\" data-end=\"903\" \/>\n<p class=\"\" data-start=\"905\" data-end=\"1010\"><strong data-start=\"905\" data-end=\"966\">2. Como funciona o financiamento de terreno e constru\u00e7\u00e3o?<\/strong><br data-start=\"966\" data-end=\"969\" \/>O financiamento \u00e9 feito em duas etapas:<\/p>\n<ol data-start=\"1011\" data-end=\"1265\">\n<li class=\"\" data-start=\"1011\" data-end=\"1084\">\n<p class=\"\" data-start=\"1014\" data-end=\"1084\"><strong data-start=\"1014\" data-end=\"1035\">Compra do terreno<\/strong> \u2013 voc\u00ea recebe o valor para adquirir o terreno.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1085\" data-end=\"1265\">\n<p class=\"\" data-start=\"1088\" data-end=\"1265\"><strong data-start=\"1088\" data-end=\"1115\">Libera\u00e7\u00e3o da constru\u00e7\u00e3o<\/strong> \u2013 o valor da obra \u00e9 liberado em etapas (parcelas) conforme o andamento da constru\u00e7\u00e3o, seguindo um cronograma f\u00edsico-financeiro aprovado pelo banco.<\/p>\n<\/li>\n<\/ol>\n<p class=\"\" data-start=\"1267\" data-end=\"1357\">A cada fase conclu\u00edda, o banco envia um engenheiro para vistoria e libera o pr\u00f3ximo valor.<\/p>\n<hr class=\"\" data-start=\"1359\" data-end=\"1362\" \/>\n<p class=\"\" data-start=\"1364\" data-end=\"1433\"><strong data-start=\"1364\" data-end=\"1431\">3. Quais s\u00e3o os requisitos para financiar terreno e constru\u00e7\u00e3o?<\/strong><\/p>\n<ul data-start=\"1434\" data-end=\"1664\">\n<li class=\"\" data-start=\"1434\" data-end=\"1482\">\n<p class=\"\" data-start=\"1436\" data-end=\"1482\">Projeto arquitet\u00f4nico aprovado na prefeitura<\/p>\n<\/li>\n<li class=\"\" data-start=\"1483\" data-end=\"1523\">\n<p class=\"\" data-start=\"1485\" data-end=\"1523\">Documenta\u00e7\u00e3o do terreno regularizada<\/p>\n<\/li>\n<li class=\"\" data-start=\"1524\" data-end=\"1573\">\n<p class=\"\" data-start=\"1526\" data-end=\"1573\">Renda compat\u00edvel com o valor do financiamento<\/p>\n<\/li>\n<li class=\"\" data-start=\"1574\" data-end=\"1614\">\n<p class=\"\" data-start=\"1576\" data-end=\"1614\">Cronograma f\u00edsico-financeiro da obra<\/p>\n<\/li>\n<li class=\"\" data-start=\"1615\" data-end=\"1664\">\n<p class=\"\" data-start=\"1617\" data-end=\"1664\">Avalia\u00e7\u00e3o de cr\u00e9dito e an\u00e1lise t\u00e9cnica do banco<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1666\" data-end=\"1779\">Com a consultoria da <strong data-start=\"1690\" data-end=\"1707\">LARYA<\/strong>, te ajudamos a organizar toda a documenta\u00e7\u00e3o e encontrar o banco ideal.<\/p>\n<hr class=\"\" data-start=\"1781\" data-end=\"1784\" \/>\n<p class=\"\" data-start=\"1786\" data-end=\"2054\"><strong data-start=\"1786\" data-end=\"1847\">4. Posso usar o FGTS para financiar terreno e constru\u00e7\u00e3o?<\/strong><br data-start=\"1847\" data-end=\"1850\" \/>Sim, desde que o terreno e a constru\u00e7\u00e3o estejam dentro das regras do <strong data-start=\"1919\" data-end=\"1960\">Sistema Financeiro de Habita\u00e7\u00e3o (SFH)<\/strong>. O uso do FGTS \u00e9 permitido para reduzir a entrada, compor renda ou amortizar o saldo devedor.<\/p>\n<hr class=\"\" data-start=\"2056\" data-end=\"2059\" \/>\n<p class=\"\" data-start=\"2061\" data-end=\"2217\"><strong data-start=\"2061\" data-end=\"2138\">5. Quais bancos oferecem financiamento para terreno e constru\u00e7\u00e3o em 2025?<\/strong><br data-start=\"2138\" data-end=\"2141\" \/>Em 2025, os principais bancos que oferecem esse tipo de financiamento s\u00e3o:<\/p>\n<ul data-start=\"2218\" data-end=\"2319\">\n<li class=\"\" data-start=\"2218\" data-end=\"2249\">\n<p class=\"\" data-start=\"2220\" data-end=\"2249\"><strong data-start=\"2220\" data-end=\"2247\">Caixa Econ\u00f4mica Federal<\/strong><\/p>\n<\/li>\n<li class=\"\" data-start=\"2250\" data-end=\"2273\">\n<p class=\"\" data-start=\"2252\" data-end=\"2273\"><strong data-start=\"2252\" data-end=\"2271\">Banco do Brasil<\/strong><\/p>\n<\/li>\n<li class=\"\" data-start=\"2274\" data-end=\"2286\">\n<p class=\"\" data-start=\"2276\" data-end=\"2286\"><strong data-start=\"2276\" data-end=\"2284\">Ita\u00fa<\/strong><\/p>\n<\/li>\n<li class=\"\" data-start=\"2287\" data-end=\"2303\">\n<p class=\"\" data-start=\"2289\" data-end=\"2303\"><strong data-start=\"2289\" data-end=\"2301\">Bradesco<\/strong><\/p>\n<\/li>\n<li class=\"\" data-start=\"2304\" data-end=\"2319\">\n<p class=\"\" data-start=\"2306\" data-end=\"2319\"><strong data-start=\"2306\" data-end=\"2319\">Santander<\/strong><\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"2321\" data-end=\"2506\">Cada um tem regras espec\u00edficas sobre prazo, percentual financiado e etapas da obra. Por isso, a <strong data-start=\"2417\" data-end=\"2459\">compara\u00e7\u00e3o entre propostas \u00e9 essencial<\/strong> \u2014 e \u00e9 a\u00ed que entra o suporte da LARYA.<\/p>\n<hr class=\"\" data-start=\"2508\" data-end=\"2511\" \/>\n<p class=\"\" data-start=\"2513\" data-end=\"2727\"><strong data-start=\"2513\" data-end=\"2560\">6. Qual o valor m\u00e1ximo que posso financiar?<\/strong><br data-start=\"2560\" data-end=\"2563\" \/>Depende do banco, da sua renda e da avalia\u00e7\u00e3o do terreno e da obra. Em m\u00e9dia, os bancos financiam de <strong data-start=\"2664\" data-end=\"2726\">70% a 90% do valor total do projeto (terreno + constru\u00e7\u00e3o)<\/strong>.<\/p>\n<hr class=\"\" data-start=\"2729\" data-end=\"2732\" \/>\n<p class=\"\" data-start=\"2734\" data-end=\"2885\"><strong data-start=\"2734\" data-end=\"2800\">7. \u00c9 melhor financiar terreno e constru\u00e7\u00e3o juntos ou separado?<\/strong><br data-start=\"2800\" data-end=\"2803\" \/>Na maioria dos casos, financiar tudo em uma \u00fanica opera\u00e7\u00e3o \u00e9 mais vantajoso, pois:<\/p>\n<ul data-start=\"2886\" data-end=\"3085\">\n<li class=\"\" data-start=\"2886\" data-end=\"2920\">\n<p class=\"\" data-start=\"2888\" data-end=\"2920\">As taxas costumam ser melhores<\/p>\n<\/li>\n<li class=\"\" data-start=\"2921\" data-end=\"2947\">\n<p class=\"\" data-start=\"2923\" data-end=\"2947\">O processo \u00e9 unificado<\/p>\n<\/li>\n<li class=\"\" data-start=\"2948\" data-end=\"3085\">\n<p class=\"\" data-start=\"2950\" data-end=\"3085\">\u00c9 mais f\u00e1cil de organizar financeiramente<br data-start=\"2991\" data-end=\"2994\" \/>A <strong data-start=\"2996\" data-end=\"3013\">LARYA<\/strong> pode simular as duas alternativas para voc\u00ea e indicar o melhor caminho.<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"3087\" data-end=\"3090\" \/>\n<p class=\"\" data-start=\"3092\" data-end=\"3324\"><strong data-start=\"3092\" data-end=\"3152\">8. Como come\u00e7ar o financiamento de terreno e constru\u00e7\u00e3o?<\/strong><br data-start=\"3152\" data-end=\"3155\" \/>Voc\u00ea pode come\u00e7ar com uma simula\u00e7\u00e3o gratuita no nosso site e contar com nossa <strong data-start=\"3233\" data-end=\"3262\">consultoria personalizada<\/strong> para acompanhar desde o projeto at\u00e9 a aprova\u00e7\u00e3o do cr\u00e9dito.<\/p>\n<p>\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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;13610&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 poss\u00edvel financiar terreno e constru\u00e7\u00e3o em 2025?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=emprestimo-financiamento\">empr\u00e9stimo financiamento<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento\">Financiamento<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-construcao\">financiamento constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-terrenos\">financiamento terrenos<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiar-terrenos\">financiar terrenos<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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-possivel-financiar-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-16677-58Q83qXzV0' data-post_id='16677'>\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 poss\u00edvel obter dinheiro extra (&#8220;Troco&#8221;) ao fazer a portabilidade?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=portabilidade-credito-imobiliario\">Portabilidade de Cr\u00e9dito Imobili\u00e1rio<\/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>Embora a portabilidade estrita transfira apenas o saldo devedor exato, existe uma estrat\u00e9gia poderosa conhecida como <b>&#8220;Refinanciamento com Troco&#8221;<\/b> ou <b>Home Equity<\/b>. Se o seu im\u00f3vel valorizou e voc\u00ea j\u00e1 amortizou parte da d\u00edvida, \u00e9 poss\u00edvel migrar para um novo banco refinanciando um valor maior. A diferen\u00e7a entre o saldo devedor antigo e o novo cr\u00e9dito aprovado \u00e9 depositada na sua conta. \u00c9 a maneira mais barata de conseguir <b>capital de giro<\/b> ou dinheiro para reformas, pagando taxas de juros imobili\u00e1rias (muito inferiores \u00e0s de empr\u00e9stimos pessoais).<\/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;16677&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 poss\u00edvel obter dinheiro extra (\\u0026quot;Troco\\u0026quot;) ao fazer a portabilidade?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=caixa\">Caixa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=carta-de-credito\">Carta de Cr\u00e9dito<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=refinanciamento-imobiliario\">Refinanciamento Imobili\u00e1rio<\/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-possivel-obter-dinheiro-extra-troco-ao-fazer-a-portabilidade\/'>\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-16779-aEhRluxovL' data-post_id='16779'>\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 seguro usar um modelo de contrato de compra e venda da internet?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=guia-do-comprador\">Guia do comprador<\/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>Modelos prontos servem como base, mas usar um &#8220;copia e cola&#8221; sem revis\u00e3o jur\u00eddica \u00e9 arriscado. Cada negocia\u00e7\u00e3o tem especificidades (im\u00f3vel financiado, uso de FGTS, permuta) que modelos gen\u00e9ricos n\u00e3o cobrem.<\/p>\n<p>Onde est\u00e1 o perigo:<\/p>\n<p>Modelos antigos podem citar leis revogadas.<\/p>\n<p>Falta de prote\u00e7\u00e3o espec\u00edfica para o vendedor (ex: o que acontece se o financiamento do banco n\u00e3o for aprovado?).<\/p>\n<p>Recomenda\u00e7\u00e3o: Use o modelo para entender a estrutura, mas pe\u00e7a para um advogado imobili\u00e1rio ou corretor experiente adaptar as cl\u00e1usulas para a sua realidade.<\/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;16779&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 seguro usar um modelo de contrato de compra e venda da internet?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=emprestimo-imobiliario\">Empr\u00e9stimo Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-de-imoveis\">Financiamento de Im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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-seguro-usar-um-modelo-de-contrato-de-compra-e-venda-da-internet\/'>\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-16662-0aalKBSbSx' 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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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-16683-jR4GFbyjjQ' data-post_id='16683'>\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 dinheiro liberado precisa ser usado apenas para reformas ou compra de outro im\u00f3vel?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=emprestimo-com-garantia-de-imovel\">Empr\u00e9stimo com Garantia de Im\u00f3vel<\/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>N\u00e3o. Uma das maiores vantagens do cr\u00e9dito com garantia da LARYA \u00e9 o conceito de <b>&#8220;Uso Livre&#8221;<\/b> (Free Use). Diferente de um financiamento imobili\u00e1rio tradicional, onde o recurso vai para o vendedor do im\u00f3vel, no Home Equity o dinheiro \u00e9 depositado integralmente na sua conta corrente ap\u00f3s o registro em cart\u00f3rio. Para o planejamento financeiro de <b>2026<\/b>, isso \u00e9 vital: voc\u00ea pode utilizar o capital para <b>consolida\u00e7\u00e3o de d\u00edvidas<\/b> caras, <b>capital de giro<\/b> para expandir seu neg\u00f3cio, investimentos, reformas ou at\u00e9 projetos pessoais, sem precisar justificar a destina\u00e7\u00e3o do recurso ao banco.<\/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;16683&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 dinheiro liberado precisa ser usado apenas para reformas ou compra de outro im\u00f3vel?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=caixa\">Caixa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=carta-de-credito\">Carta de Cr\u00e9dito<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=emprestimo-imobiliario\">Empr\u00e9stimo Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento\">Financiamento<\/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-dinheiro-liberado-precisa-ser-usado-apenas-para-reformas-ou-compra-de-outro-imovel\/'>\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-wM0FLNxeya' 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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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-16675-Z3DltAP7Ms' data-post_id='16675'>\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 a Portabilidade de Cr\u00e9dito Imobili\u00e1rio e como ela reduz minha d\u00edvida?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=portabilidade-credito-imobiliario\">Portabilidade de Cr\u00e9dito Imobili\u00e1rio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<div>\n<div class=\"last:border-b-0 border-0 bg-gray-primary rounded-lg overflow-hidden text-gray-secondary\" data-state=\"open\" data-orientation=\"vertical\" data-slot=\"accordion-item\">\n<div id=\"radix-_r_9_\" class=\"data-[state=closed]:animate-accordion-up data-[state=open]:animate-accordion-down overflow-hidden text-sm\" role=\"region\" data-state=\"open\" aria-labelledby=\"radix-_r_8_\" data-orientation=\"vertical\" data-slot=\"accordion-content\">\n<div class=\"px-6 pb-6 pt-6 leading-relaxed\">A <b>Portabilidade de Cr\u00e9dito Imobili\u00e1rio<\/b> \u00e9 o direito garantido pelo Banco Central de transferir sua d\u00edvida de um banco para outro que ofere\u00e7a <b>juros mais baixos<\/b> ou melhores condi\u00e7\u00f5es contratuais. Na pr\u00e1tica, o novo banco (como <b>Caixa, Ita\u00fa ou Bradesco<\/b>) quita seu saldo devedor original e cria um novo contrato. O resultado \u00e9 a redu\u00e7\u00e3o direta do <b>Custo Efetivo Total (CET)<\/b>, permitindo que voc\u00ea diminua o valor das parcelas mensais ou encurte o prazo de pagamento, economizando milhares de reais em juros compostos ao longo dos anos.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div class=\"last:border-b-0 border-0 bg-gray-primary rounded-lg overflow-hidden text-gray-secondary\" data-state=\"closed\" data-orientation=\"vertical\" data-slot=\"accordion-item\">\n<h4 class=\"flex\" data-orientation=\"vertical\" data-state=\"closed\"><\/h4>\n<\/div>\n<\/div>\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;16675&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 a Portabilidade de Cr\u00e9dito Imobili\u00e1rio e como ela reduz minha d\u00edvida?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=amortizacao-sac\">Amortiza\u00e7\u00e3o SAC<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=economia-financeira\">Economia Financeira<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=portabilidade-de-credito\">Portabilidade de Cr\u00e9dito<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=reducao-de-juros\">Redu\u00e7\u00e3o de Juros<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=refinanciamento-imobiliario\">Refinanciamento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=taxa-selic-2026\">Taxa Selic 2026<\/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-a-portabilidade-de-credito-imobiliario-e-como-ela-reduz-minha-divida\/'>\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-14906-C3PAN2fRuc' data-post_id='14906'>\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 AVM (Avalia\u00e7\u00e3o Autom\u00e1tica de Im\u00f3veis)?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=avaliacao-de-imoveis\">Avalia\u00e7\u00e3o de Im\u00f3veis<\/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 class=\"\" data-start=\"128\" data-end=\"435\">A <strong data-start=\"130\" data-end=\"173\">AVM (Avalia\u00e7\u00e3o Automatizada de Im\u00f3veis)<\/strong> \u00e9 uma tecnologia que utiliza intelig\u00eancia artificial e big data para estimar o valor de mercado de um im\u00f3vel de forma r\u00e1pida, segura e gratuita. Em 2025, essa ferramenta se tornou uma aliada essencial para compradores, vendedores, corretores e bancos no Brasil.<\/p>\n<p class=\"\" data-start=\"437\" data-end=\"819\">O sistema cruza dados p\u00fablicos e privados \u2014 como <strong data-start=\"486\" data-end=\"599\">transa\u00e7\u00f5es registradas, localiza\u00e7\u00e3o, tipologia, \u00e1rea \u00fatil, n\u00famero de quartos, valoriza\u00e7\u00e3o hist\u00f3rica da regi\u00e3o<\/strong> e muitos outros \u2014 para gerar um valor estimado em segundos. Al\u00e9m disso, algumas plataformas, como a da LARYA oferecem <strong data-start=\"727\" data-end=\"771\">relat\u00f3rios detalhados com valores por m\u00b2<\/strong>, previs\u00e3o de aluguel e comparativos de mercado.<\/p>\n<p class=\"\" data-start=\"821\" data-end=\"996\">A AVM \u00e9 ideal para quem quer tomar decis\u00f5es r\u00e1pidas e baseadas em dados, seja antes de vender um im\u00f3vel ou para entender se o valor pedido est\u00e1 compat\u00edvel com o mercado atual.<\/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;14906&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 AVM (Avalia\u00e7\u00e3o Autom\u00e1tica de Im\u00f3veis)?&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-e-avm-avaliacao-automatica-de-imoveis\/'>\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-16669-tl41jSNsBl' data-post_id='16669'>\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 cons\u00f3rcio e qual a diferen\u00e7a real para o financiamento banc\u00e1rio?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=consorcio-de-imoveis\">Cons\u00f3rcio de Imoveis<\/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 entender <b>o que \u00e9 cons\u00f3rcio<\/b>, imagine um grupo de pessoas financiando-se mutuamente, sem a cobran\u00e7a de juros compostos, apenas uma taxa de administra\u00e7\u00e3o. Enquanto no financiamento voc\u00ea paga &#8220;o aluguel do dinheiro&#8221; ao banco (juros), no cons\u00f3rcio voc\u00ea paga pela gest\u00e3o do grupo. Isso torna o Custo Efetivo Total (CET) geralmente muito inferior a longo prazo. \u00c9 a modalidade ideal para quem busca <b>como fazer um cons\u00f3rcio<\/b> visando planejamento financeiro, seja para <b>aquisi\u00e7\u00e3o de terreno e constru\u00e7\u00e3o<\/b> ou compra de im\u00f3vel pronto, sem a urg\u00eancia de mudan\u00e7a imediata.<\/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;16669&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 cons\u00f3rcio e qual a diferen\u00e7a real para o financiamento banc\u00e1rio?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=aquisicao-de-terreno\">Aquisi\u00e7\u00e3o de Terreno<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=carta-de-credito\">Carta de Cr\u00e9dito<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=como-funciona-consorcio\">Como Funciona Cons\u00f3rcio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=como-ser-contemplado\">Como Ser Contemplado<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=consorcio\">Cons\u00f3rcio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=consorcio-de-imovel\">Cons\u00f3rcio de Im\u00f3vel<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=construcao-de-casa\">Constru\u00e7\u00e3o de Casa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=investimento-imobiliario\">Investimento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=lance-embutido\">Lance Embutido<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=planejamento-financeiro\">Planejamento Financeiro<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=uso-do-fgts\">Uso do FGTS<\/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-consorcio-e-qual-a-diferenca-real-para-o-financiamento-bancario\/'>\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-JW0XoAIM31' 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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=calculo-financiamento-imovel\">c\u00e1lculo financiamento imovel<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=como-financiar-uma-casa\">como financiar uma casa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-construcao\">financiamento constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-para-construcao\">financiamento para constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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-16682-hItglJPRxR' data-post_id='16682'>\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 Home Equity e como ele difere de um empr\u00e9stimo pessoal comum?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=emprestimo-com-garantia-de-imovel\">Empr\u00e9stimo com Garantia de Im\u00f3vel<\/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 <b>Home Equity<\/b>, popularmente conhecido no Brasil como <b>Empr\u00e9stimo com Garantia de Im\u00f3vel (CGI)<\/b>, \u00e9 uma modalidade de cr\u00e9dito inteligente onde seu im\u00f3vel (quitado ou quase quitado) serve como lastro para a opera\u00e7\u00e3o. Diferente do empr\u00e9stimo pessoal ou do cheque especial, que possuem juros exorbitantes devido ao alto risco de inadimpl\u00eancia, o Home Equity oferece as <b>menores taxas do mercado<\/b> \u2014 chegando a ser at\u00e9 10x mais baratas. Isso ocorre porque a <b>aliena\u00e7\u00e3o fiduci\u00e1ria<\/b> do bem oferece seguran\u00e7a \u00e0 institui\u00e7\u00e3o financeira (como Caixa, Ita\u00fa ou Santander), que repassa essa seguran\u00e7a ao cliente em forma de juros baixos, prazos estendidos de at\u00e9 <b>240 meses<\/b> e volumes de cr\u00e9dito superiores (alto LTV).<\/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;16682&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 Home Equity e como ele difere de um empr\u00e9stimo pessoal comum?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=caixa\">Caixa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=emprestimo-imobiliario\">Empr\u00e9stimo Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-de-imoveis\">Financiamento de Im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=uso-do-fgts\">Uso do FGTS<\/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-home-equity-e-como-ele-difere-de-um-emprestimo-pessoal-comum\/'>\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-14779-8yNXcOJgfZ' data-post_id='14779'>\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 faz o corretor de im\u00f3veis?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=corretor-de-imoveis\">Corretor de Im\u00f3veis<\/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 class=\"\" data-start=\"414\" data-end=\"765\"><strong data-start=\"414\" data-end=\"464\">1. O que \u00e9 e o que faz um corretor de im\u00f3veis?<\/strong><br data-start=\"464\" data-end=\"467\" \/>O <strong data-start=\"469\" data-end=\"492\">corretor de im\u00f3veis<\/strong> \u00e9 o profissional habilitado para <strong data-start=\"526\" data-end=\"600\">intermediar negocia\u00e7\u00f5es de compra, venda, aluguel e permuta de im\u00f3veis<\/strong>. Ele representa clientes em transa\u00e7\u00f5es imobili\u00e1rias, garante a legalidade dos processos e oferece consultoria sobre documenta\u00e7\u00e3o, mercado e viabilidade da opera\u00e7\u00e3o.<\/p>\n<hr class=\"\" data-start=\"767\" data-end=\"770\" \/>\n<p class=\"\" data-start=\"772\" data-end=\"839\"><strong data-start=\"772\" data-end=\"837\">2. Quais s\u00e3o as fun\u00e7\u00f5es principais de um corretor de im\u00f3veis?<\/strong><\/p>\n<ul data-start=\"840\" data-end=\"1187\">\n<li class=\"\" data-start=\"840\" data-end=\"870\">\n<p class=\"\" data-start=\"842\" data-end=\"870\">Avaliar e anunciar im\u00f3veis<\/p>\n<\/li>\n<li class=\"\" data-start=\"871\" data-end=\"919\">\n<p class=\"\" data-start=\"873\" data-end=\"919\">Acompanhar visitas e apresentar propriedades<\/p>\n<\/li>\n<li class=\"\" data-start=\"920\" data-end=\"993\">\n<p class=\"\" data-start=\"922\" data-end=\"993\">Orientar compradores e vendedores sobre pre\u00e7os, documenta\u00e7\u00e3o e prazos<\/p>\n<\/li>\n<li class=\"\" data-start=\"994\" data-end=\"1037\">\n<p class=\"\" data-start=\"996\" data-end=\"1037\">Intermediar negocia\u00e7\u00f5es entre as partes<\/p>\n<\/li>\n<li class=\"\" data-start=\"1038\" data-end=\"1093\">\n<p class=\"\" data-start=\"1040\" data-end=\"1093\">Auxiliar no financiamento e regulariza\u00e7\u00e3o do im\u00f3vel<\/p>\n<\/li>\n<li class=\"\" data-start=\"1094\" data-end=\"1187\">\n<p class=\"\" data-start=\"1096\" data-end=\"1187\">Trabalhar com <strong data-start=\"1110\" data-end=\"1126\">imobili\u00e1rias<\/strong> ou de forma aut\u00f4noma, sempre com registro ativo no <strong data-start=\"1178\" data-end=\"1187\">CRECI<\/strong><\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"1189\" data-end=\"1192\" \/>\n<p class=\"\" data-start=\"1194\" data-end=\"1289\"><strong data-start=\"1194\" data-end=\"1243\">3. O corretor de im\u00f3veis precisa de forma\u00e7\u00e3o?<\/strong><br data-start=\"1243\" data-end=\"1246\" \/>Sim. Para atuar legalmente, \u00e9 necess\u00e1rio:<\/p>\n<ul data-start=\"1290\" data-end=\"1446\">\n<li class=\"\" data-start=\"1290\" data-end=\"1356\">\n<p class=\"\" data-start=\"1292\" data-end=\"1356\">Concluir um <strong data-start=\"1304\" data-end=\"1354\">curso t\u00e9cnico em Transa\u00e7\u00f5es Imobili\u00e1rias (TTI)<\/strong><\/p>\n<\/li>\n<li class=\"\" data-start=\"1357\" data-end=\"1446\">\n<p class=\"\" data-start=\"1359\" data-end=\"1446\">Obter o registro profissional no <strong data-start=\"1392\" data-end=\"1401\">CRECI<\/strong> (Conselho Regional de Corretores de Im\u00f3veis)<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1448\" data-end=\"1531\">Por exemplo, para trabalhar em S\u00e3o Paulo, \u00e9 preciso estar inscrito no <strong data-start=\"1518\" data-end=\"1530\">CRECI SP<\/strong>.<\/p>\n<hr class=\"\" data-start=\"1533\" data-end=\"1536\" \/>\n<p class=\"\" data-start=\"1538\" data-end=\"1821\"><strong data-start=\"1538\" data-end=\"1586\">4. Corretor e imobili\u00e1ria s\u00e3o a mesma coisa?<\/strong><br data-start=\"1586\" data-end=\"1589\" \/>N\u00e3o. A <strong data-start=\"1596\" data-end=\"1611\">imobili\u00e1ria<\/strong> \u00e9 a empresa que re\u00fane corretores e oferece a estrutura para atendimento, an\u00fancios, contratos e suporte administrativo. J\u00e1 o <strong data-start=\"1736\" data-end=\"1748\">corretor<\/strong> \u00e9 o profissional que realiza a intermedia\u00e7\u00e3o entre comprador e vendedor.<\/p>\n<hr class=\"\" data-start=\"1823\" data-end=\"1826\" \/>\n<p class=\"\" data-start=\"1828\" data-end=\"2098\"><strong data-start=\"1828\" data-end=\"1883\">5. Corretor de im\u00f3veis pode atuar em todo o Brasil?<\/strong><br data-start=\"1883\" data-end=\"1886\" \/>Somente se for registrado no <strong data-start=\"1915\" data-end=\"1924\">CRECI<\/strong> da regi\u00e3o em que atua. H\u00e1 varia\u00e7\u00f5es estaduais como <strong data-start=\"1976\" data-end=\"1988\">CRECI SP<\/strong>, <strong data-start=\"1990\" data-end=\"2002\">CRECI RJ<\/strong>, <strong data-start=\"2004\" data-end=\"2016\">CRECI MG<\/strong> etc. Para atuar em outros estados, \u00e9 necess\u00e1rio solicitar autoriza\u00e7\u00e3o tempor\u00e1ria.<\/p>\n<hr class=\"\" data-start=\"2100\" data-end=\"2103\" \/>\n<p class=\"\" data-start=\"2105\" data-end=\"2168\"><strong data-start=\"2105\" data-end=\"2150\">6. Como se tornar um corretor de im\u00f3veis?<\/strong><br data-start=\"2150\" data-end=\"2153\" \/>\u00c9 necess\u00e1rio:<\/p>\n<ol data-start=\"2169\" data-end=\"2369\">\n<li class=\"\" data-start=\"2169\" data-end=\"2243\">\n<p class=\"\" data-start=\"2172\" data-end=\"2243\">Fazer um <strong data-start=\"2181\" data-end=\"2213\">curso de corretor de im\u00f3veis<\/strong> (TTI \u2013 t\u00e9cnico ou superior)<\/p>\n<\/li>\n<li class=\"\" data-start=\"2244\" data-end=\"2288\">\n<p class=\"\" data-start=\"2247\" data-end=\"2288\">Se inscrever no <strong data-start=\"2263\" data-end=\"2272\">CRECI<\/strong> da sua regi\u00e3o<\/p>\n<\/li>\n<li class=\"\" data-start=\"2289\" data-end=\"2369\">\n<p class=\"\" data-start=\"2292\" data-end=\"2369\">Estar apto a atuar em imobili\u00e1rias, plataformas digitais ou por conta pr\u00f3pria<\/p>\n<\/li>\n<\/ol>\n<hr class=\"\" data-start=\"2371\" data-end=\"2374\" \/>\n<p class=\"\" data-start=\"2376\" data-end=\"2709\"><strong data-start=\"2376\" data-end=\"2419\">7. Quanto ganha um corretor de im\u00f3veis?<\/strong><br data-start=\"2419\" data-end=\"2422\" \/>A renda do corretor varia conforme n\u00famero de vendas, tipo de im\u00f3vel e regi\u00e3o. Em m\u00e9dia, comiss\u00f5es variam entre <strong data-start=\"2533\" data-end=\"2563\">3% e 6% do valor do im\u00f3vel<\/strong>, podendo superar R$ 10 mil por transa\u00e7\u00e3o. Profissionais com carteira ativa e foco em im\u00f3veis de alto padr\u00e3o podem ter rendimentos acima da m\u00e9dia.<\/p>\n<hr class=\"\" data-start=\"2711\" data-end=\"2714\" \/>\n<p class=\"\" data-start=\"2716\" data-end=\"3100\"><strong data-start=\"2716\" data-end=\"2783\">8. Qual o papel do corretor de im\u00f3veis em plataformas digitais?<\/strong><br data-start=\"2783\" data-end=\"2786\" \/>Com a digitaliza\u00e7\u00e3o, muitos corretores atuam por meio de <strong data-start=\"2843\" data-end=\"2865\">plataformas online<\/strong>, oferecendo simula\u00e7\u00f5es de financiamento, atendimento remoto e suporte via WhatsApp. Na <strong data-start=\"2953\" data-end=\"2970\">LARYA<\/strong>, por exemplo, corretores parceiros t\u00eam acesso a leads, dados de mercado e ferramentas de financiamento para apoiar seus clientes.<\/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;14779&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 faz o corretor de im\u00f3veis?&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-faz-o-corretor-de-imoveis\/'>\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-13607-PvgVqB9NVg' data-post_id='13607'>\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 faz um correspondente banc\u00e1rio?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/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 class=\"\" data-start=\"502\" data-end=\"902\"><strong data-start=\"502\" data-end=\"544\">1. O que \u00e9 um correspondente banc\u00e1rio?<\/strong><br data-start=\"544\" data-end=\"547\" \/>Um <strong data-start=\"550\" data-end=\"577\">correspondente banc\u00e1rio<\/strong> \u00e9 uma pessoa f\u00edsica ou jur\u00eddica autorizada por uma institui\u00e7\u00e3o financeira para oferecer <strong data-start=\"666\" data-end=\"710\">servi\u00e7os banc\u00e1rios de forma terceirizada<\/strong>. Ele atua como uma ponte entre o banco e o cliente, principalmente em regi\u00f5es onde n\u00e3o h\u00e1 ag\u00eancia f\u00edsica ou para facilitar o acesso a produtos como cr\u00e9dito, financiamento e abertura de conta.<\/p>\n<hr class=\"\" data-start=\"904\" data-end=\"907\" \/>\n<p class=\"\" data-start=\"909\" data-end=\"1044\"><strong data-start=\"909\" data-end=\"964\">2. O que faz um correspondente banc\u00e1rio na pr\u00e1tica?<\/strong><br data-start=\"964\" data-end=\"967\" \/>Entre os principais servi\u00e7os prestados por um correspondente banc\u00e1rio, est\u00e3o:<\/p>\n<ul data-start=\"1046\" data-end=\"1410\">\n<li class=\"\" data-start=\"1046\" data-end=\"1123\">\n<p class=\"\" data-start=\"1048\" data-end=\"1123\">Simula\u00e7\u00f5es e propostas de <strong data-start=\"1074\" data-end=\"1121\">financiamento imobili\u00e1rio e cr\u00e9dito pessoal<\/strong><\/p>\n<\/li>\n<li class=\"\" data-start=\"1124\" data-end=\"1192\">\n<p class=\"\" data-start=\"1126\" data-end=\"1192\">Recolhimento e envio de <strong data-start=\"1150\" data-end=\"1166\">documenta\u00e7\u00e3o<\/strong> para an\u00e1lise de cr\u00e9dito<\/p>\n<\/li>\n<li class=\"\" data-start=\"1193\" data-end=\"1229\">\n<p class=\"\" data-start=\"1195\" data-end=\"1229\">Abertura de contas simplificadas<\/p>\n<\/li>\n<li class=\"\" data-start=\"1230\" data-end=\"1266\">\n<p class=\"\" data-start=\"1232\" data-end=\"1266\">Recebimento de boletos e faturas<\/p>\n<\/li>\n<li class=\"\" data-start=\"1267\" data-end=\"1350\">\n<p class=\"\" data-start=\"1269\" data-end=\"1350\"><strong data-start=\"1269\" data-end=\"1302\">Consultoria financeira b\u00e1sica<\/strong> sobre produtos oferecidos pelo banco parceiro<\/p>\n<\/li>\n<li class=\"\" data-start=\"1351\" data-end=\"1410\">\n<p class=\"\" data-start=\"1353\" data-end=\"1410\">Acompanhamento do processo at\u00e9 a assinatura do contrato<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"1412\" data-end=\"1415\" \/>\n<p class=\"\" data-start=\"1417\" data-end=\"1742\"><strong data-start=\"1417\" data-end=\"1487\">3. Qual \u00e9 a diferen\u00e7a entre um correspondente banc\u00e1rio e um banco?<\/strong><br data-start=\"1487\" data-end=\"1490\" \/>O correspondente <strong data-start=\"1507\" data-end=\"1525\">n\u00e3o \u00e9 um banco<\/strong>: ele apenas representa o banco em algumas opera\u00e7\u00f5es autorizadas. Ele <strong data-start=\"1595\" data-end=\"1609\">n\u00e3o decide<\/strong> sobre a aprova\u00e7\u00e3o de cr\u00e9dito, mas <strong data-start=\"1644\" data-end=\"1668\">intermedia e auxilia<\/strong> no processo. A responsabilidade final sempre \u00e9 da institui\u00e7\u00e3o financeira.<\/p>\n<hr class=\"\" data-start=\"1744\" data-end=\"1747\" \/>\n<p class=\"\" data-start=\"1749\" data-end=\"2094\"><strong data-start=\"1749\" data-end=\"1821\">4. Correspondente banc\u00e1rio pode atuar com financiamento imobili\u00e1rio?<\/strong><br data-start=\"1821\" data-end=\"1824\" \/>Sim. Muitos atuam especificamente como <strong data-start=\"1863\" data-end=\"1905\">correspondentes banc\u00e1rios imobili\u00e1rios<\/strong>, auxiliando clientes a encontrar as melhores op\u00e7\u00f5es de cr\u00e9dito para a compra de im\u00f3veis. Eles fazem a simula\u00e7\u00e3o, coleta de documentos e acompanham a libera\u00e7\u00e3o do financiamento com o banco.<\/p>\n<hr class=\"\" data-start=\"2096\" data-end=\"2099\" \/>\n<p class=\"\" data-start=\"2101\" data-end=\"2406\"><strong data-start=\"2101\" data-end=\"2176\">5. \u00c9 poss\u00edvel ser correspondente da Caixa Econ\u00f4mica, Santander ou Ita\u00fa?<\/strong><br data-start=\"2176\" data-end=\"2179\" \/>Sim. Diversos bancos mant\u00eam programas para <strong data-start=\"2222\" data-end=\"2246\">correspondente Caixa<\/strong>, <strong data-start=\"2248\" data-end=\"2280\">correspondente banc\u00e1rio Ita\u00fa<\/strong>, <strong data-start=\"2282\" data-end=\"2295\">Santander<\/strong> e outros. Cada um tem crit\u00e9rios espec\u00edficos de credenciamento, incluindo certifica\u00e7\u00f5es e an\u00e1lise de reputa\u00e7\u00e3o.<\/p>\n<hr class=\"\" data-start=\"2408\" data-end=\"2411\" \/>\n<p class=\"\" data-start=\"2413\" data-end=\"2637\"><strong data-start=\"2413\" data-end=\"2462\">6. O correspondente banc\u00e1rio recebe comiss\u00e3o?<\/strong><br data-start=\"2462\" data-end=\"2465\" \/>Sim. O correspondente banc\u00e1rio <strong data-start=\"2496\" data-end=\"2544\">ganha comiss\u00e3o sobre cada opera\u00e7\u00e3o conclu\u00edda<\/strong>, como a libera\u00e7\u00e3o de cr\u00e9dito, assinatura de financiamento ou venda de um produto financeiro.<\/p>\n<hr class=\"\" data-start=\"2639\" data-end=\"2642\" \/>\n<p class=\"\" data-start=\"2644\" data-end=\"2715\"><strong data-start=\"2644\" data-end=\"2699\">7. Como posso me tornar um correspondente banc\u00e1rio?<\/strong><br data-start=\"2699\" data-end=\"2702\" \/>Voc\u00ea precisa:<\/p>\n<ul data-start=\"2717\" data-end=\"2965\">\n<li class=\"\" data-start=\"2717\" data-end=\"2752\">\n<p class=\"\" data-start=\"2719\" data-end=\"2752\">Ter CNPJ e regulariza\u00e7\u00e3o fiscal<\/p>\n<\/li>\n<li class=\"\" data-start=\"2753\" data-end=\"2823\">\n<p class=\"\" data-start=\"2755\" data-end=\"2823\">Obter uma certifica\u00e7\u00e3o (como a <strong data-start=\"2786\" data-end=\"2820\">FEBRABAN \u2013 Resolu\u00e7\u00e3o CMN 3.954<\/strong>)<\/p>\n<\/li>\n<li class=\"\" data-start=\"2824\" data-end=\"2909\">\n<p class=\"\" data-start=\"2826\" data-end=\"2909\">Estabelecer contrato com uma institui\u00e7\u00e3o financeira autorizada pelo Banco Central<\/p>\n<\/li>\n<li class=\"\" data-start=\"2910\" data-end=\"2965\">\n<p class=\"\" data-start=\"2912\" data-end=\"2965\">Passar por treinamento espec\u00edfico do banco parceiro<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"2967\" data-end=\"3149\">A LARYA tamb\u00e9m atua com parceiros que querem operar como <strong data-start=\"3035\" data-end=\"3069\">colaboradores de financiamento<\/strong>. Saiba mais <a target=\"_new\" rel=\"noopener\" data-start=\"3082\" data-end=\"3148\">aqui<\/a>.<\/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;13607&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 faz um correspondente banc\u00e1rio?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=emprestimo-imobiliario\">Empr\u00e9stimo Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento\">Financiamento<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-de-imoveis\">Financiamento de Im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=hipoteca\">Hipoteca<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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-faz-um-correspondente-bancario\/'>\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-16778-t98j8Av1xo' data-post_id='16778'>\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 n\u00e3o pode faltar em um Contrato de Compra e Venda de Im\u00f3vel para ele ser seguro?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=guia-do-comprador\">Guia do comprador<\/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 contrato deve conter a qualifica\u00e7\u00e3o completa das partes, descri\u00e7\u00e3o detalhada do im\u00f3vel (conforme matr\u00edcula), pre\u00e7o e forma de pagamento, data de posse, cl\u00e1usula de irretratabilidade e as certid\u00f5es negativas de d\u00e9bitos.<\/p>\n<p>An\u00e1lise Profunda: O &#8220;Contrato de Gaveta&#8221; (instrumento particular) \u00e9 o passo anterior \u00e0 Escritura, mas \u00e9 ele que define as regras do jogo.<\/p>\n<p>Multa Penal: Essencial estipular multa (geralmente 10% a 20%) em caso de desist\u00eancia.<\/p>\n<p>Cl\u00e1usula Resolutiva: Garante que, se o comprador n\u00e3o pagar, o neg\u00f3cio \u00e9 desfeito automaticamente.<\/p>\n<p>Dica de 2025: Hoje, a validade jur\u00eddica de contratos assinados digitalmente (Gov.br, DocuSign) \u00e9 plena, desde que certificada. Isso agiliza a formaliza\u00e7\u00e3o antes mesmo do cart\u00f3rio.<\/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;16778&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 n\u00e3o pode faltar em um Contrato de Compra e Venda de Im\u00f3vel para ele ser seguro?&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-nao-pode-faltar-em-um-contrato-de-compra-e-venda-de-imovel-para-ele-ser-seguro\/'>\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-16759-gt2j454kXU' data-post_id='16759'>\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 precisa para ser corretor de im\u00f3veis e tirar o CRECI?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=corretor-de-imoveis\">Corretor de Im\u00f3veis<\/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 data-path-to-node=\"15\">\u00c9 obrigat\u00f3rio ter ensino m\u00e9dio completo, concluir um curso T\u00e9cnico em Transa\u00e7\u00f5es Imobili\u00e1rias (TTI) ou Gest\u00e3o Imobili\u00e1ria e, em seguida, registrar-se no <b>CRECI<\/b> (Conselho Regional de Corretores de Im\u00f3veis).<\/p>\n<p data-path-to-node=\"16\"><b>Passo a Passo Atualizado:<\/b><\/p>\n<ol start=\"1\" data-path-to-node=\"17\">\n<li>\n<p data-path-to-node=\"17,0,0\"><b>Curso TTI:<\/b> Dura\u00e7\u00e3o m\u00e9dia de 6 a 12 meses. Pode ser feito presencial ou EAD.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"17,1,0\"><b>Est\u00e1gio:<\/b> Durante o curso, \u00e9 necess\u00e1rio cumprir horas de est\u00e1gio supervisionado.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"17,2,0\"><b>Registro no CRECI:<\/b> Ap\u00f3s o diploma, voc\u00ea solicita a carteira profissional (vermelha) no conselho do seu estado.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"17,3,0\"><b>Custo:<\/b> O investimento no curso varia de R$ 700 a R$ 2.000, al\u00e9m das taxas de inscri\u00e7\u00e3o e anuidade do CRECI (aprox. R$ 800 &#8211; R$ 1.500\/ano dependendo do estado).<\/p>\n<\/li>\n<\/ol>\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;16759&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 precisa para ser corretor de im\u00f3veis e tirar o CRECI?&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\tTag:\t\n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=corretor-de-imoveis\">corretor de im\u00f3veis<\/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-precisa-para-ser-corretor-de-imoveis-e-tirar-o-creci\/'>\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-16781-W2jayhS4MC' data-post_id='16781'>\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 Recibo de Compra e Venda substitui a Escritura P\u00fablica?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=guia-do-comprador\">Guia do comprador<\/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>N\u00e3o. O recibo \u00e9 apenas um comprovante de pagamento. O documento que transfere a propriedade legalmente \u00e9 a Escritura P\u00fablica registrada no Cart\u00f3rio de Registro de Im\u00f3veis.<\/p>\n<p>Por que isso confunde? Muitas pessoas compram im\u00f3veis irregulares apenas com &#8220;Recibo&#8221; ou &#8220;Contrato de Gaveta&#8221;.<\/p>\n<p>Risco: &#8220;Quem n\u00e3o registra, n\u00e3o \u00e9 dono&#8221;. Se o vendedor tiver d\u00edvidas trabalhistas ou fiscais, o im\u00f3vel (que ainda est\u00e1 no nome dele no cart\u00f3rio) pode ser penhorado, mesmo que voc\u00ea tenha o recibo de que pagou.<\/p>\n<p>Solu\u00e7\u00e3o: O recibo serve para instruir uma futura a\u00e7\u00e3o de Usucapi\u00e3o ou Adjudica\u00e7\u00e3o Compuls\u00f3ria caso o vendedor suma, mas n\u00e3o substitui a escritura imediata.<\/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;16781&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 Recibo de Compra e Venda substitui a Escritura P\u00fablica?&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-custo-varia-por-regiao-e-padrao-de-acabamento-em-2025-utiliza-se-o-cub-custo-unitario-basico-do-seu-estado-ou-o-sinapi-como-referencia-inicial-somado-aos-materiais-de-acabamento-especificos-n\/'>\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-16680-3FloEINc4y' data-post_id='16680'>\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\tPosso fazer a portabilidade se meu im\u00f3vel vale mais de R$ 1,5 milh\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=portabilidade-credito-imobiliario\">Portabilidade de Cr\u00e9dito Imobili\u00e1rio<\/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>Absolutamente. A portabilidade atende tanto im\u00f3veis enquadrados no <b>SFH (Sistema Financeiro da Habita\u00e7\u00e3o)<\/b> quanto no <b>SFI (Sistema de Financiamento Imobili\u00e1rio)<\/b>, incluindo im\u00f3veis de alto padr\u00e3o. Para 2026, a tend\u00eancia \u00e9 que bancos busquem agressivamente clientes com esse perfil (LTV seguro), oferecendo taxas personalizadas e competitivas. A LARYA possui acesso direto \u00e0s mesas de cr\u00e9dito dos grandes bancos para negociar condi\u00e7\u00f5es exclusivas para saldos devedores elevados.<\/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;16680&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;Posso fazer a portabilidade se meu im\u00f3vel vale mais de R$ 1,5 milh\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=amortizacao-de-divida\">Amortiza\u00e7\u00e3o de D\u00edvida<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=portabilidade-de-financiamento\">Portabilidade de Financiamento<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=reducao-de-juros-2026\">Redu\u00e7\u00e3o de Juros 2026<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=refinanciamento-imobiliario\">Refinanciamento Imobili\u00e1rio<\/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\/posso-fazer-a-portabilidade-se-meu-imovel-vale-mais-de-r-15-milhao\/'>\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-16674-1SrHnetFvQ' data-post_id='16674'>\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\tPosso usar o cons\u00f3rcio para quitar um financiamento de im\u00f3vel existente?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=consorcio-de-imoveis\">Cons\u00f3rcio de Imoveis<\/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. Esta \u00e9 uma das estrat\u00e9gias financeiras mais inteligentes para quem busca <b>como fazer um cons\u00f3rcio<\/b> de alavancagem. Se voc\u00ea j\u00e1 tem um financiamento banc\u00e1rio pagando juros altos, voc\u00ea pode entrar em um cons\u00f3rcio e, ao ser contemplado, usar a <b>carta de cr\u00e9dito<\/b> para quitar o saldo devedor do financiamento (Lei dos Cons\u00f3rcios n\u00ba 11.795\/2008). Isso troca uma d\u00edvida cara (juros banc\u00e1rios) por uma d\u00edvida mais barata (taxa de administra\u00e7\u00e3o), gerando uma economia significativa no montante final pago.<\/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;16674&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;Posso usar o cons\u00f3rcio para quitar um financiamento de im\u00f3vel existente?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=carta-de-credito\">Carta de Cr\u00e9dito<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=como-funciona-consorcio\">Como Funciona Cons\u00f3rcio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=consorcio-de-imovel\">Cons\u00f3rcio de Im\u00f3vel<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=investimento-imobiliario\">Investimento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=planejamento-financeiro\">Planejamento Financeiro<\/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\/posso-usar-o-consorcio-para-quitar-um-financiamento-de-imovel-existente\/'>\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-14909-W9lagzX1Vc' data-post_id='14909'>\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\tQuais documentos s\u00e3o exigidos para financiar um im\u00f3vel?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/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 class=\"\" data-start=\"139\" data-end=\"447\">Para <strong data-start=\"144\" data-end=\"175\">financiar um im\u00f3vel em 2025<\/strong>, os bancos exigem uma documenta\u00e7\u00e3o padronizada que serve para comprovar a <strong data-start=\"250\" data-end=\"277\">capacidade de pagamento<\/strong>, a <strong data-start=\"281\" data-end=\"302\">situa\u00e7\u00e3o jur\u00eddica<\/strong> do comprador e a <strong data-start=\"320\" data-end=\"346\">regularidade do im\u00f3vel<\/strong>. Ter esses documentos em m\u00e3os agiliza o processo de an\u00e1lise de cr\u00e9dito e aprova\u00e7\u00e3o do financiamento.<\/p>\n<p class=\"\" data-start=\"449\" data-end=\"493\"><strong data-start=\"449\" data-end=\"493\">Documentos do comprador (pessoa f\u00edsica):<\/strong><\/p>\n<ul data-start=\"494\" data-end=\"860\">\n<li class=\"\" data-start=\"494\" data-end=\"512\">\n<p class=\"\" data-start=\"496\" data-end=\"512\">RG e CPF ou CNH;<\/p>\n<\/li>\n<li class=\"\" data-start=\"513\" data-end=\"581\">\n<p class=\"\" data-start=\"515\" data-end=\"581\">Comprovante de estado civil (certid\u00e3o de nascimento ou casamento);<\/p>\n<\/li>\n<li class=\"\" data-start=\"582\" data-end=\"621\">\n<p class=\"\" data-start=\"584\" data-end=\"621\">Comprovante de resid\u00eancia atualizado;<\/p>\n<\/li>\n<li class=\"\" data-start=\"622\" data-end=\"697\">\n<p class=\"\" data-start=\"624\" data-end=\"697\">Comprovante de renda (holerites, extratos banc\u00e1rios, declara\u00e7\u00e3o do IRPF);<\/p>\n<\/li>\n<li class=\"\" data-start=\"698\" data-end=\"777\">\n<p class=\"\" data-start=\"700\" data-end=\"777\">Carteira de trabalho e\/ou contrato de presta\u00e7\u00e3o de servi\u00e7os (para aut\u00f4nomos);<\/p>\n<\/li>\n<li class=\"\" data-start=\"778\" data-end=\"817\">\n<p class=\"\" data-start=\"780\" data-end=\"817\">Extrato do FGTS (caso deseje us\u00e1-lo);<\/p>\n<\/li>\n<li class=\"\" data-start=\"818\" data-end=\"860\">\n<p class=\"\" data-start=\"820\" data-end=\"860\">Autoriza\u00e7\u00e3o para consulta ao SCR\/Serasa.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"862\" data-end=\"887\"><strong data-start=\"862\" data-end=\"887\">Documentos do im\u00f3vel:<\/strong><\/p>\n<ul data-start=\"888\" data-end=\"1195\">\n<li class=\"\" data-start=\"888\" data-end=\"935\">\n<p class=\"\" data-start=\"890\" data-end=\"935\">Matr\u00edcula atualizada do im\u00f3vel (at\u00e9 30 dias);<\/p>\n<\/li>\n<li class=\"\" data-start=\"936\" data-end=\"1001\">\n<p class=\"\" data-start=\"938\" data-end=\"1001\">Certid\u00e3o de \u00f4nus reais e negativa de d\u00e9bitos municipais (IPTU);<\/p>\n<\/li>\n<li class=\"\" data-start=\"1002\" data-end=\"1049\">\n<p class=\"\" data-start=\"1004\" data-end=\"1049\">Habite-se e planta aprovada (quando exigido);<\/p>\n<\/li>\n<li class=\"\" data-start=\"1050\" data-end=\"1110\">\n<p class=\"\" data-start=\"1052\" data-end=\"1110\">Comprovante de pagamento do ITBI (Imposto de Transmiss\u00e3o);<\/p>\n<\/li>\n<li class=\"\" data-start=\"1111\" data-end=\"1195\">\n<p class=\"\" data-start=\"1113\" data-end=\"1195\">Declara\u00e7\u00e3o do vendedor de que o im\u00f3vel est\u00e1 livre de d\u00edvidas e disputas judiciais.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1197\" data-end=\"1240\"><strong data-start=\"1197\" data-end=\"1240\">Documentos do vendedor (pessoa f\u00edsica):<\/strong><\/p>\n<ul data-start=\"1241\" data-end=\"1334\">\n<li class=\"\" data-start=\"1241\" data-end=\"1252\">\n<p class=\"\" data-start=\"1243\" data-end=\"1252\">RG e CPF;<\/p>\n<\/li>\n<li class=\"\" data-start=\"1253\" data-end=\"1305\">\n<p class=\"\" data-start=\"1255\" data-end=\"1305\">Certid\u00f5es negativas civis, fiscais e trabalhistas;<\/p>\n<\/li>\n<li class=\"\" data-start=\"1306\" data-end=\"1334\">\n<p class=\"\" data-start=\"1308\" data-end=\"1334\">Comprovante de resid\u00eancia.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1336\" data-end=\"1564\"><strong data-start=\"1336\" data-end=\"1345\">Dica:<\/strong> O processo pode variar conforme o banco, tipo de im\u00f3vel (novo, usado, em constru\u00e7\u00e3o) e se o comprador \u00e9 aut\u00f4nomo, assalariado ou PJ. Plataformas como a LARYA\u00a0oferecem orienta\u00e7\u00e3o gratuita em todo o processo.<\/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;14909&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;Quais documentos s\u00e3o exigidos para financiar um im\u00f3vel?&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\/quais-documentos-sao-exigidos-para-financiar-um-imovel\/'>\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-14904-okzx47wVxN' data-post_id='14904'>\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\tQuais os fatores que influenciam no pre\u00e7o de um im\u00f3vel?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=avaliacao-de-imoveis\">Avalia\u00e7\u00e3o de Im\u00f3veis<\/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 class=\"\" data-start=\"95\" data-end=\"301\">O <strong data-start=\"97\" data-end=\"127\">pre\u00e7o de um im\u00f3vel em 2025<\/strong> \u00e9 determinado por uma combina\u00e7\u00e3o de fatores que v\u00e3o muito al\u00e9m da metragem. Os principais crit\u00e9rios que influenciam a <strong data-start=\"246\" data-end=\"279\">valoriza\u00e7\u00e3o ou desvaloriza\u00e7\u00e3o<\/strong> de um im\u00f3vel incluem:<\/p>\n<ul data-start=\"303\" data-end=\"993\">\n<li class=\"\" data-start=\"303\" data-end=\"441\">\n<p class=\"\" data-start=\"305\" data-end=\"441\"><strong data-start=\"305\" data-end=\"321\">Localiza\u00e7\u00e3o:<\/strong> Bairros valorizados, proximidade com metr\u00f4, escolas, hospitais e centros comerciais aumentam o valor do metro quadrado.<\/p>\n<\/li>\n<li class=\"\" data-start=\"442\" data-end=\"602\">\n<p class=\"\" data-start=\"444\" data-end=\"602\"><strong data-start=\"444\" data-end=\"478\">Conserva\u00e7\u00e3o e idade do im\u00f3vel:<\/strong> Im\u00f3veis reformados ou novos costumam valer mais. Problemas estruturais ou acabamentos antigos podem impactar negativamente.<\/p>\n<\/li>\n<li class=\"\" data-start=\"603\" data-end=\"734\">\n<p class=\"\" data-start=\"605\" data-end=\"734\"><strong data-start=\"605\" data-end=\"637\">Infraestrutura e condom\u00ednio:<\/strong> Pr\u00e9dios com elevador, portaria 24h, garagem, \u00e1reas comuns e lazer tendem a ser mais valorizados.<\/p>\n<\/li>\n<li class=\"\" data-start=\"735\" data-end=\"881\">\n<p class=\"\" data-start=\"737\" data-end=\"881\"><strong data-start=\"737\" data-end=\"770\">Andar, posi\u00e7\u00e3o solar e vista:<\/strong> Im\u00f3veis em andares mais altos, com boa ventila\u00e7\u00e3o e ilumina\u00e7\u00e3o natural, geralmente t\u00eam maior valor de mercado.<\/p>\n<\/li>\n<li class=\"\" data-start=\"882\" data-end=\"993\">\n<p class=\"\" data-start=\"884\" data-end=\"993\"><strong data-start=\"884\" data-end=\"919\">Mercado e conjuntura econ\u00f4mica:<\/strong> Taxa Selic, infla\u00e7\u00e3o, demanda e oferta no bairro influenciam os pre\u00e7os.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"995\" data-end=\"1197\">Al\u00e9m disso, tecnologias como <strong data-start=\"1024\" data-end=\"1067\">AVM (Avalia\u00e7\u00e3o Automatizada de Im\u00f3veis)<\/strong> usam todos esses dados para calcular o pre\u00e7o estimado com base em transa\u00e7\u00f5es reais na regi\u00e3o, trazendo mais precis\u00e3o ao processo.<\/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;14904&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;Quais os fatores que influenciam no pre\u00e7o de um im\u00f3vel?&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\/quais-os-fatores-que-influenciam-no-preco-de-um-imovel\/'>\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-16678-thia8IUtKY' data-post_id='16678'>\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\tQuais s\u00e3o os custos para transferir meu financiamento para outro banco?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=portabilidade-credito-imobiliario\">Portabilidade de Cr\u00e9dito Imobili\u00e1rio<\/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 processo de assessoria da LARYA \u00e9 <b>100% gratuito<\/b>, pois somos remunerados pelos bancos parceiros. O banco de origem \u00e9 proibido de cobrar tarifas pela transfer\u00eancia. No entanto, o cliente deve estar ciente dos custos cartoriais: ser\u00e1 necess\u00e1rio averbar a nova <b>Aliena\u00e7\u00e3o Fiduci\u00e1ria<\/b> no Cart\u00f3rio de Registro de Im\u00f3veis e, em alguns casos, pagar por uma nova <b>avalia\u00e7\u00e3o do im\u00f3vel<\/b>. Mesmo com essas taxas, a economia gerada pela redu\u00e7\u00e3o dos juros costuma cobrir esses custos em poucos meses (Payback r\u00e1pido).<\/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;16678&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;Quais s\u00e3o os custos para transferir meu financiamento para outro banco?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=caixa\">Caixa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento\">Financiamento<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=refinanciamento-imobiliario\">Refinanciamento Imobili\u00e1rio<\/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\/quais-sao-os-custos-para-transferir-meu-financiamento-para-outro-banco\/'>\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-14914-FiRqvfylOe' data-post_id='14914'>\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\tQuais s\u00e3o os passos para comprar um im\u00f3vel em 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=guia-do-comprador\">Guia do comprador<\/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 class=\"\" data-start=\"209\" data-end=\"373\">Comprar um im\u00f3vel em 2025 envolve planejamento, pesquisa e aten\u00e7\u00e3o a detalhes legais e financeiros. Veja o passo a passo atualizado para garantir uma compra segura:<\/p>\n<ol data-start=\"375\" data-end=\"1465\">\n<li class=\"\" data-start=\"375\" data-end=\"584\">\n<p class=\"\" data-start=\"378\" data-end=\"584\"><strong data-start=\"378\" data-end=\"452\">Defina seu or\u00e7amento e fa\u00e7a uma simula\u00e7\u00e3o de financiamento imobili\u00e1rio<\/strong> \u2014 use simuladores online como o da <b>LARYA <\/b>para entender quanto voc\u00ea pode financiar, com base em renda, entrada e prazos.<\/p>\n<\/li>\n<li class=\"\" data-start=\"585\" data-end=\"757\">\n<p class=\"\" data-start=\"588\" data-end=\"757\"><strong data-start=\"588\" data-end=\"638\">Escolha a localiza\u00e7\u00e3o e o tipo de im\u00f3vel ideal<\/strong> \u2014 avalie bairros, infraestrutura, valoriza\u00e7\u00e3o do metro quadrado e perfil do im\u00f3vel (apartamento, casa, novo ou usado).<\/p>\n<\/li>\n<li class=\"\" data-start=\"758\" data-end=\"931\">\n<p class=\"\" data-start=\"761\" data-end=\"931\"><strong data-start=\"761\" data-end=\"810\">Conte com um corretor de im\u00f3veis de confian\u00e7a<\/strong> \u2014 busque profissionais bem avaliados em plataformas confi\u00e1veis, com hist\u00f3rico de vendas e conhecimento do mercado local.<\/p>\n<\/li>\n<li class=\"\" data-start=\"932\" data-end=\"1054\">\n<p class=\"\" data-start=\"935\" data-end=\"1054\"><strong data-start=\"935\" data-end=\"981\">Visite os im\u00f3veis e analise a documenta\u00e7\u00e3o<\/strong> \u2014 verifique escritura, registro, IPTU, habite-se e situa\u00e7\u00e3o condominial.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1055\" data-end=\"1188\">\n<p class=\"\" data-start=\"1058\" data-end=\"1188\"><strong data-start=\"1058\" data-end=\"1100\">Negocie pre\u00e7o e condi\u00e7\u00f5es de pagamento<\/strong> \u2014 uma boa negocia\u00e7\u00e3o pode resultar em descontos relevantes ou inclus\u00e3o de benfeitorias.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1189\" data-end=\"1328\">\n<p class=\"\" data-start=\"1192\" data-end=\"1328\"><strong data-start=\"1192\" data-end=\"1236\">Assine o contrato com seguran\u00e7a jur\u00eddica<\/strong> \u2014 envolva um advogado ou assessoria imobili\u00e1ria, especialmente para im\u00f3veis de maior valor.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1329\" data-end=\"1465\">\n<p class=\"\" data-start=\"1332\" data-end=\"1465\"><strong data-start=\"1332\" data-end=\"1370\">Registre o im\u00f3vel e pague as taxas<\/strong> \u2014 ITBI, escritura p\u00fablica e registro no cart\u00f3rio s\u00e3o obrigat\u00f3rios para formalizar a transa\u00e7\u00e3o.<\/p>\n<\/li>\n<\/ol>\n<p class=\"\" data-start=\"1467\" data-end=\"1655\">Em 2025, o uso de ferramentas digitais, como o <strong data-start=\"1514\" data-end=\"1555\">avaliador autom\u00e1tico de im\u00f3veis (AVM)<\/strong> e comparadores de cr\u00e9dito, facilita todo o processo, tornando a jornada mais r\u00e1pida e transparente.<\/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;14914&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;Quais s\u00e3o os passos para comprar um im\u00f3vel em 2025?&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\/quais-sao-os-passos-para-comprar-um-imovel-em-2025\/'>\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-16658-00deZ2X3uT' 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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=caixa\">Caixa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=construcao\">constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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-16760-KWm28wnyDM' data-post_id='16760'>\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 porcentagem de comiss\u00e3o de um corretor de im\u00f3veis?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=corretor-de-imoveis\">Corretor de Im\u00f3veis<\/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 data-path-to-node=\"19\">A tabela referencial do CRECI estipula <b>6%<\/b> para vendas de im\u00f3veis urbanos e o valor do <b>1\u00ba aluguel<\/b> para loca\u00e7\u00f5es.<\/p>\n<p data-path-to-node=\"20\"><b>Detalhes da Tabela (Vendas e Aluguel):<\/b><\/p>\n<ul data-path-to-node=\"21\">\n<li>\n<p data-path-to-node=\"21,0,0\"><b>Venda de Im\u00f3vel Urbano:<\/b> 6% a 8% sobre o valor total da venda.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"21,1,0\"><b>Venda de Im\u00f3vel Rural:<\/b> 8% a 10%.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"21,2,0\"><b>Venda Judicial:<\/b> 5%.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"21,3,0\"><b>Loca\u00e7\u00e3o:<\/b> Equivalente ao valor de 1 (um) aluguel integral pago pelo locador.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"21,4,0\"><b>Administra\u00e7\u00e3o de Aluguel:<\/b> Taxa mensal de 8% a 10% sobre o valor do aluguel recebido.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"21,5,0\"><b>Nota:<\/b> Em permutas, a comiss\u00e3o \u00e9 devida pelos dois propriet\u00e1rios (calculada sobre o valor de seus respectivos im\u00f3veis).<\/p>\n<\/li>\n<\/ul>\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;16760&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;Qual a porcentagem de comiss\u00e3o de um corretor de im\u00f3veis?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=suporte-financiamento-imobiliario\">suporte financiamento imobiliario<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=taxa-selic-2026\">Taxa Selic 2026<\/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-porcentagem-de-comissao-de-um-corretor-de-imoveis\/'>\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-hM8ItqZcbv' 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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?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><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-14778-s46rCQKXPS' data-post_id='14778'>\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 tend\u00eancia do mercado imobili\u00e1rio em 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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 class=\"\" data-start=\"472\" data-end=\"786\"><strong data-start=\"472\" data-end=\"524\">1. O que esperar do mercado imobili\u00e1rio em 2025?<\/strong><br data-start=\"524\" data-end=\"527\" \/>O ano de 2025 traz um cen\u00e1rio misto para o mercado imobili\u00e1rio: juros mais altos com a Selic projetada acima de 13%, o que encarece o financiamento, mas tamb\u00e9m abre espa\u00e7o para novas oportunidades em segmentos como alto padr\u00e3o, im\u00f3veis sustent\u00e1veis e loca\u00e7\u00e3o.<\/p>\n<hr class=\"\" data-start=\"788\" data-end=\"791\" \/>\n<p class=\"\" data-start=\"793\" data-end=\"1096\"><strong data-start=\"793\" data-end=\"855\">2. Como a alta da SELIC afeta o financiamento imobili\u00e1rio?<\/strong><br data-start=\"855\" data-end=\"858\" \/>Com a <strong data-start=\"864\" data-end=\"893\">SELIC acima de 13% ao ano<\/strong>, os bancos aumentaram as taxas de financiamento. Isso significa <strong data-start=\"958\" data-end=\"979\">cr\u00e9dito mais caro<\/strong>, exig\u00eancia maior de entrada (30% em alguns casos), e foco em compradores com mais renda ou capacidade de negocia\u00e7\u00e3o.<\/p>\n<hr class=\"\" data-start=\"1098\" data-end=\"1101\" \/>\n<p class=\"\" data-start=\"1103\" data-end=\"1353\"><strong data-start=\"1103\" data-end=\"1162\">3. Qual segmento segue aquecido apesar dos juros altos?<\/strong><br data-start=\"1162\" data-end=\"1165\" \/>O <strong data-start=\"1167\" data-end=\"1204\">mercado de im\u00f3veis de alto padr\u00e3o<\/strong> segue forte, com destaque para o Nordeste, que registrou aumento de 28% na busca por im\u00f3veis de luxo em 2024. Esse movimento deve continuar em 2025.<\/p>\n<hr class=\"\" data-start=\"1355\" data-end=\"1358\" \/>\n<p class=\"\" data-start=\"1360\" data-end=\"1655\"><strong data-start=\"1360\" data-end=\"1402\">4. Im\u00f3veis sustent\u00e1veis s\u00e3o tend\u00eancia?<\/strong><br data-start=\"1402\" data-end=\"1405\" \/>Sim. H\u00e1 uma valoriza\u00e7\u00e3o crescente de <strong data-start=\"1442\" data-end=\"1466\">im\u00f3veis sustent\u00e1veis<\/strong>, com sistemas de energia solar, capta\u00e7\u00e3o de \u00e1gua e certifica\u00e7\u00f5es verdes. Al\u00e9m de atrativos ambientais, esses im\u00f3veis costumam ter menor custo operacional e s\u00e3o mais valorizados na revenda.<\/p>\n<hr class=\"\" data-start=\"1657\" data-end=\"1660\" \/>\n<p class=\"\" data-start=\"1662\" data-end=\"1979\"><strong data-start=\"1662\" data-end=\"1709\">5. O que \u00e9 coliving e por que est\u00e1 em alta?<\/strong><br data-start=\"1709\" data-end=\"1712\" \/><strong data-start=\"1712\" data-end=\"1724\">Coliving<\/strong> e <strong data-start=\"1727\" data-end=\"1742\">flex living<\/strong> s\u00e3o modelos de moradia compartilhada ou flex\u00edvel, ideais para jovens profissionais ou pessoas com estilo de vida mais din\u00e2mico. Eles combinam praticidade, economia e senso de comunidade. A tend\u00eancia \u00e9 de crescimento nas grandes cidades.<\/p>\n<hr class=\"\" data-start=\"1981\" data-end=\"1984\" \/>\n<p class=\"\" data-start=\"1986\" data-end=\"2303\"><strong data-start=\"1986\" data-end=\"2047\">6. Como a tecnologia impacta o setor imobili\u00e1rio em 2025?<\/strong><br data-start=\"2047\" data-end=\"2050\" \/>Ferramentas como <strong data-start=\"2067\" data-end=\"2172\">intelig\u00eancia artificial, realidade aumentada, assinaturas digitais e plataformas de busca inteligente<\/strong> est\u00e3o se tornando padr\u00e3o. Elas reduzem burocracia e aumentam a efici\u00eancia no processo de compra, venda e financiamento de im\u00f3veis.<\/p>\n<hr class=\"\" data-start=\"2305\" data-end=\"2308\" \/>\n<p class=\"\" data-start=\"2310\" data-end=\"2546\"><strong data-start=\"2310\" data-end=\"2340\">7. O aluguel est\u00e1 em alta?<\/strong><br data-start=\"2340\" data-end=\"2343\" \/>Sim. Com o cr\u00e9dito mais caro, muitas pessoas est\u00e3o optando pela <strong data-start=\"2407\" data-end=\"2418\">loca\u00e7\u00e3o<\/strong> ao inv\u00e9s da compra. O mercado de alugu\u00e9is, especialmente de curta dura\u00e7\u00e3o e contratos flex\u00edveis, deve crescer ao longo de 2025.<\/p>\n<hr class=\"\" data-start=\"2548\" data-end=\"2551\" \/>\n<p class=\"\" data-start=\"2553\" data-end=\"2844\"><strong data-start=\"2553\" data-end=\"2612\">8. O programa Minha Casa Minha Vida continua relevante?<\/strong><br data-start=\"2612\" data-end=\"2615\" \/>Sim. Em 2024, o programa representou cerca de <strong data-start=\"2661\" data-end=\"2698\">50% das vendas de im\u00f3veis no pa\u00eds<\/strong> e continua como principal motor de habita\u00e7\u00e3o popular em 2025. As faixas de renda e subs\u00eddios atualizados devem manter a atratividade do programa.<\/p>\n<hr class=\"\" data-start=\"2846\" data-end=\"2849\" \/>\n<p class=\"\" data-start=\"2851\" data-end=\"3154\"><strong data-start=\"2851\" data-end=\"2923\">9. Onde est\u00e3o as maiores oportunidades para comprar im\u00f3veis em 2025?<\/strong><br data-start=\"2923\" data-end=\"2926\" \/>Cidades com boa infraestrutura e polos emergentes como <strong data-start=\"2981\" data-end=\"3008\">Centro-Oeste e Nordeste<\/strong> devem seguir valorizando. S\u00e3o Paulo e Rio de Janeiro ainda concentram grandes projetos, mas outras capitais ganham destaque pelo custo-benef\u00edcio.<\/p>\n<hr class=\"\" data-start=\"3156\" data-end=\"3159\" \/>\n<p class=\"\" data-start=\"3161\" data-end=\"3392\"><strong data-start=\"3161\" data-end=\"3220\">10. Como encontrar boas oportunidades no mercado atual?<\/strong><br data-start=\"3220\" data-end=\"3223\" \/>A melhor forma \u00e9 contar com <strong data-start=\"3251\" data-end=\"3283\">dados de mercado atualizados<\/strong>, simula\u00e7\u00f5es realistas e assessoria especializada. A <strong data-start=\"3336\" data-end=\"3353\">LARYA<\/strong> oferece uma plataforma completa com:<\/p>\n<ul data-start=\"3393\" data-end=\"3483\">\n<li class=\"\" data-start=\"3393\" data-end=\"3423\">\n<p class=\"\" data-start=\"3395\" data-end=\"3423\">Simulador de financiamento<\/p>\n<\/li>\n<li class=\"\" data-start=\"3424\" data-end=\"3448\">\n<p class=\"\" data-start=\"3426\" data-end=\"3448\">Avalia\u00e7\u00e3o de im\u00f3veis<\/p>\n<\/li>\n<li class=\"\" data-start=\"3449\" data-end=\"3483\">\n<p class=\"\" data-start=\"3451\" data-end=\"3483\">Tend\u00eancias por bairro e cidade<\/p>\n<\/li>\n<\/ul>\n<p>\u00a0<\/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;14778&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;Qual a tend\u00eancia do mercado imobili\u00e1rio em 2025?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=corretor-de-imoveis\">corretor de im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=valor-m2\">valor m2<\/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-tendencia-do-mercado-imobiliario-em-2025\/'>\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-14910-stdZ2kyvaC' data-post_id='14910'>\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 banco tem as menores taxas de juros para financiamento imobili\u00e1rio em 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/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 class=\"\" data-start=\"158\" data-end=\"519\">Em 2025, a <strong data-start=\"169\" data-end=\"198\">concorr\u00eancia entre bancos<\/strong> se intensificou no cr\u00e9dito imobili\u00e1rio, fazendo com que as taxas de juros variem bastante conforme o perfil do cliente, o valor do im\u00f3vel, o tipo de financiamento (SBPE, FGTS, poupan\u00e7a, prefixado) e o relacionamento com a institui\u00e7\u00e3o financeira. Ainda assim, \u00e9 poss\u00edvel apontar os bancos com <strong data-start=\"491\" data-end=\"518\">taxas mais competitivas<\/strong>:<\/p>\n<h4 class=\"\" data-start=\"521\" data-end=\"584\">Comparativo de taxas m\u00e9dias em 2025 (valores aproximados):<\/h4>\n<ul data-start=\"585\" data-end=\"1207\">\n<li class=\"\" data-start=\"585\" data-end=\"694\">\n<p class=\"\" data-start=\"587\" data-end=\"694\"><strong data-start=\"587\" data-end=\"614\">Caixa Econ\u00f4mica Federal<\/strong>: a partir de <strong data-start=\"628\" data-end=\"647\">8,99% a.a. + TR<\/strong> para im\u00f3veis do programa Casa Verde e Amarela.<\/p>\n<\/li>\n<li class=\"\" data-start=\"695\" data-end=\"784\">\n<p class=\"\" data-start=\"697\" data-end=\"784\"><strong data-start=\"697\" data-end=\"714\">Ita\u00fa Unibanco<\/strong>: taxas a partir de <strong data-start=\"734\" data-end=\"752\">9,2% a.a. + TR<\/strong> com op\u00e7\u00f5es de taxa fixa e IPCA.<\/p>\n<\/li>\n<li class=\"\" data-start=\"785\" data-end=\"873\">\n<p class=\"\" data-start=\"787\" data-end=\"873\"><strong data-start=\"787\" data-end=\"799\">Bradesco<\/strong>: cerca de <strong data-start=\"810\" data-end=\"828\">9,4% a.a. + TR<\/strong>, com bom atendimento para quem j\u00e1 \u00e9 cliente.<\/p>\n<\/li>\n<li class=\"\" data-start=\"874\" data-end=\"958\">\n<p class=\"\" data-start=\"876\" data-end=\"958\"><strong data-start=\"876\" data-end=\"889\">Santander<\/strong>: taxas a partir de <strong data-start=\"909\" data-end=\"922\">9,3% a.a.<\/strong>, com campanhas sazonais de redu\u00e7\u00e3o.<\/p>\n<\/li>\n<li class=\"\" data-start=\"959\" data-end=\"1057\">\n<p class=\"\" data-start=\"961\" data-end=\"1057\"><strong data-start=\"961\" data-end=\"980\">Banco do Brasil<\/strong>: variando entre <strong data-start=\"997\" data-end=\"1016\">9,5% e 10% a.a.<\/strong>, com vantagens para servidores p\u00fablicos.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1058\" data-end=\"1207\">\n<p class=\"\" data-start=\"1060\" data-end=\"1207\"><strong data-start=\"1060\" data-end=\"1083\">Creditas e fintechs<\/strong>: algumas alternativas digitais oferecem <strong data-start=\"1124\" data-end=\"1158\">taxas a partir de 0,79% ao m\u00eas<\/strong> no cr\u00e9dito com garantia de im\u00f3vel (home equity).<\/p>\n<\/li>\n<\/ul>\n<h3 class=\"\" data-start=\"1209\" data-end=\"1227\">Como comparar?<\/h3>\n<p class=\"\" data-start=\"1228\" data-end=\"1440\">Use um <strong data-start=\"1235\" data-end=\"1293\">simulador de financiamento imobili\u00e1rio online gratuito<\/strong> como o da LARYA . Ele mostra as taxas reais dos bancos para o seu perfil e ajuda a escolher a melhor proposta, 100% online e sem custo.<\/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;14910&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;Qual banco tem as menores taxas de juros para financiamento imobili\u00e1rio em 2025?&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\/qual-banco-tem-as-menores-taxas-de-juros-para-financiamento-imobiliario-em-2025\/'>\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-16685-uVikAS2xKN' data-post_id='16685'>\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 \u00e9 o limite de valor que posso conseguir e como \u00e9 calculado o LTV em 2026?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=emprestimo-com-garantia-de-imovel\">Empr\u00e9stimo com Garantia de Im\u00f3vel<\/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 valor do cr\u00e9dito depende da avalia\u00e7\u00e3o do seu im\u00f3vel e da sua capacidade de pagamento. O mercado trabalha com o conceito de <b>LTV (Loan-to-Value)<\/b>, que geralmente permite levantar at\u00e9 <b>60% do valor de avalia\u00e7\u00e3o do im\u00f3vel<\/b>. Por exemplo, se seu im\u00f3vel vale R$ 500.000,00, \u00e9 poss\u00edvel obter at\u00e9 R$ 300.000,00 em cr\u00e9dito. Em 2026, com a digitaliza\u00e7\u00e3o dos processos de avalia\u00e7\u00e3o imobili\u00e1ria, essa an\u00e1lise da LARYA tornou-se mais precisa, garantindo que voc\u00ea maximize o potencial de liquidez do seu patrim\u00f4nio com agilidade.<\/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;16685&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;Qual \u00e9 o limite de valor que posso conseguir e como \u00e9 calculado o LTV em 2026?&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\/qual-e-o-limite-de-valor-que-posso-conseguir-e-como-e-calculado-o-ltv-em-2026\/'>\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-13191-jASZ7Fz5oE' data-post_id='13191'>\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 \u00e9 o melhor banco para financiamento imobili\u00e1rio 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/a>\n\t\n<\/div>\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t<h2 class=\"\" data-start=\"200\" data-end=\"263\">Comparativo de Bancos para Financiamento Imobili\u00e1rio em 2025<\/h2>\n<div class=\"pointer-events-none relative left-[50%]! flex w-[100cqw] translate-x-[-50%] justify-center *:pointer-events-auto\">\n<div class=\"tableContainer horzScrollShadows group relative\">\n<p>\u00a0<\/p>\n<table class=\"min-w-full\" data-start=\"265\" data-end=\"2121\">\n<thead data-start=\"265\" data-end=\"428\">\n<tr data-start=\"265\" data-end=\"428\">\n<th data-start=\"265\" data-end=\"294\">Banco<\/th>\n<th data-start=\"294\" data-end=\"324\">Taxa de Juros Efetiva Anual<\/th>\n<th data-start=\"324\" data-end=\"349\">Sistema de Amortiza\u00e7\u00e3o<\/th>\n<th data-start=\"349\" data-end=\"428\">Observa\u00e7\u00f5es<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"592\" data-end=\"2121\">\n<tr data-start=\"592\" data-end=\"802\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"592\" data-end=\"632\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"27\" data-is-last-node=\"\" data-is-only-node=\"\">Caixa Econ\u00f4mica Federal<\/strong><\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"632\" data-end=\"710\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">A partir de 7,15% a.a. + TR<\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"710\" data-end=\"760\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">SAC ou Price<\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"760\" data-end=\"802\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">L\u00edder em taxas baixas; op\u00e7\u00f5es com TR ou poupan\u00e7a; ideal para longo prazo.<\/span><\/td>\n<\/tr>\n<tr data-start=\"803\" data-end=\"1054\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"803\" data-end=\"857\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"12\" data-is-last-node=\"\" data-is-only-node=\"\">Bradesco<\/strong><\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"857\" data-end=\"935\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">A partir de 10,44% a.a. + TR<\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"935\" data-end=\"987\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">SAC ou Price<\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"987\" data-end=\"1054\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Condi\u00e7\u00f5es competitivas; ampla rede de atendimento.<\/span><\/td>\n<\/tr>\n<tr data-start=\"1055\" data-end=\"1317\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1055\" data-end=\"1106\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"17\" data-is-last-node=\"\" data-is-only-node=\"\">Ita\u00fa Unibanco<\/strong><\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1106\" data-end=\"1188\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">A partir de 10,70% a.a. + TR<\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1188\" data-end=\"1240\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">SAC ou Price<\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1240\" data-end=\"1317\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Flexibilidade e servi\u00e7os personalizados.<\/span><\/td>\n<\/tr>\n<tr data-start=\"1318\" data-end=\"1573\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1318\" data-end=\"1371\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"15\" data-is-last-node=\"\" data-is-only-node=\"\">Banco Inter<\/strong><\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1371\" data-end=\"1453\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">A partir de 10,77% a.a. + TR<\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1453\" data-end=\"1505\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">SAC ou Price<\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1505\" data-end=\"1573\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Opera\u00e7\u00e3o 100% digital; sem taxas administrativas.<\/span><\/td>\n<\/tr>\n<tr data-start=\"1574\" data-end=\"1827\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1574\" data-end=\"1629\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"13\" data-is-last-node=\"\" data-is-only-node=\"\">Santander<\/strong><\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1629\" data-end=\"1711\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">A partir de 11,32% a.a. + TR<\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1711\" data-end=\"1763\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">SAC ou Price<\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1763\" data-end=\"1827\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Vantagens para correntistas; programas de fidelidade.<\/span><\/td>\n<\/tr>\n<tr data-start=\"1828\" data-end=\"2121\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1828\" data-end=\"1877\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"19\" data-is-last-node=\"\" data-is-only-node=\"\">Banco do Brasil<\/strong><\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1877\" data-end=\"1962\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">A partir de 16% a.a. + TR<\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1962\" data-end=\"2014\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">SAC ou Price<\/span><\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"2014\" data-end=\"2074\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Taxas mais elevadas; financiamento de at\u00e9 80% do im\u00f3vel.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<hr class=\"\" data-start=\"2123\" data-end=\"2126\" \/>\n<h2 class=\"\" data-start=\"2128\" data-end=\"2156\">Considera\u00e7\u00f5es Importantes<\/h2>\n<ul data-start=\"2158\" data-end=\"2799\">\n<li class=\"\" data-start=\"2158\" data-end=\"2272\">\n<p class=\"\" data-start=\"2160\" data-end=\"2272\"><strong data-start=\"2160\" data-end=\"2185\">Taxa Referencial (TR)<\/strong>: <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">A maioria dos financiamentos utiliza a TR como indexador. Em 2025, a TR permanece zerada, o que favorece financiamentos atrelados a esse \u00edndice.<\/span>\u200b<\/p>\n<\/li>\n<li class=\"\" data-start=\"2274\" data-end=\"2492\">\n<p class=\"\" data-start=\"2276\" data-end=\"2303\"><strong data-start=\"2276\" data-end=\"2302\">Sistema de Amortiza\u00e7\u00e3o<\/strong>:<\/p>\n<ul data-start=\"2306\" data-end=\"2492\">\n<li class=\"\" data-start=\"2306\" data-end=\"2391\">\n<p class=\"\" data-start=\"2308\" data-end=\"2391\"><strong data-start=\"2308\" data-end=\"2350\">SAC (Sistema de Amortiza\u00e7\u00e3o Constante)<\/strong>: <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Parcelas decrescentes ao longo do tempo.<\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"2394\" data-end=\"2492\">\n<p class=\"\" data-start=\"2396\" data-end=\"2492\"><strong data-start=\"2396\" data-end=\"2405\">Price<\/strong>: <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Parcelas fixas, por\u00e9m com maior incid\u00eancia de juros no in\u00edcio do contrato.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"\" data-start=\"2494\" data-end=\"2634\">\n<p class=\"\" data-start=\"2496\" data-end=\"2634\"><strong data-start=\"2496\" data-end=\"2512\">Prazo M\u00e1ximo<\/strong>: At\u00e9 420 meses (35 anos), dependendo da institui\u00e7\u00e3o e do perfil do cliente.\u200b<\/p>\n<\/li>\n<li class=\"\" data-start=\"2636\" data-end=\"2799\">\n<p class=\"\" data-start=\"2638\" data-end=\"2799\"><strong data-start=\"2638\" data-end=\"2653\">Uso do FGTS<\/strong>: Permitido na maioria dos bancos para im\u00f3veis enquadrados no Sistema Financeiro da Habita\u00e7\u00e3o (SFH).\u200b<\/p>\n<\/li>\n<\/ul>\n<hr class=\"\" data-start=\"2801\" data-end=\"2804\" \/>\n<h2 class=\"\" data-start=\"2806\" data-end=\"2818\">Conclus\u00e3o<\/h2>\n<p class=\"\" data-start=\"2820\" data-end=\"3287\">A <strong data-start=\"2822\" data-end=\"2849\">Caixa Econ\u00f4mica Federal<\/strong> destaca-se como a institui\u00e7\u00e3o com as <strong data-start=\"2887\" data-end=\"2946\">melhores condi\u00e7\u00f5es de financiamento imobili\u00e1rio em Abril 2025<\/strong>, oferecendo as menores taxas de juros e diversas modalidades adapt\u00e1veis ao perfil do comprador. Entretanto, \u00e9 fundamental que o interessado realize simula\u00e7\u00f5es personalizadas e considere fatores como relacionamento com o banco, valor do im\u00f3vel, capacidade de pagamento e objetivos a longo prazo.\u200b<\/p>\n<p class=\"\" data-start=\"3289\" data-end=\"3567\">Para facilitar esse processo, recomendamos o uso do <a target=\"_new\" rel=\"noopener\" data-start=\"3341\" data-end=\"3458\">Simulador de Financiamento Imobili\u00e1rio da LARYA<\/a>, que permite comparar propostas de diferentes bancos e encontrar a op\u00e7\u00e3o mais adequada \u00e0s suas necessidades.<\/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;13191&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;18&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 - (18 votos)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Qual \u00e9 o melhor banco para financiamento imobili\u00e1rio 2025?&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 - (18 votos)    <\/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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=emprestimo-imobiliario\">Empr\u00e9stimo Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento\">Financiamento<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-de-imoveis\">Financiamento de Im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=hipoteca\">Hipoteca<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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-e-o-melhor-banco-para-financiamento-imobiliario-com-a-menor-taxa\/'>\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-16672-KxBd7sHXaD' data-post_id='16672'>\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 melhor cons\u00f3rcio de im\u00f3vel: Bancos ou Administradoras Independentes?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=consorcio-de-imoveis\">Cons\u00f3rcio de Imoveis<\/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>N\u00e3o existe uma resposta \u00fanica para <b>qual melhor consorcio de imovel<\/b>, mas sim o melhor para o seu perfil. Bancos tradicionais (como Caixa e BB) oferecem solidez, mas muitas vezes possuem grupos muito grandes, o que aumenta a concorr\u00eancia nos sorteios. J\u00e1 administradoras independentes (fiscalizadas pelo Banco Central) costumam oferecer maior flexibilidade em <b>como funciona a carta de cr\u00e9dito<\/b>, permitindo lances embutidos maiores e taxas de administra\u00e7\u00e3o mais competitivas. A escolha deve ser baseada na sa\u00fade financeira do grupo e na m\u00e9dia hist\u00f3rica de lances para contempla\u00e7\u00e3o.<\/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;16672&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;Qual melhor cons\u00f3rcio de im\u00f3vel: Bancos ou Administradoras Independentes?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=carta-de-credito\">Carta de Cr\u00e9dito<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=como-funciona-consorcio\">Como Funciona Cons\u00f3rcio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=consorcio-de-imovel\">Cons\u00f3rcio de Im\u00f3vel<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=construcao-de-casa\">Constru\u00e7\u00e3o de Casa<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=uso-do-fgts\">Uso do FGTS<\/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-melhor-consorcio-de-imovel-bancos-ou-administradoras-independentes\/'>\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-14901-yQv3CUUvLq' data-post_id='14901'>\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 o impacto da taxa Selic no mercado imobili\u00e1rio em 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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 class=\"\" data-start=\"154\" data-end=\"633\">A <strong data-start=\"156\" data-end=\"170\">taxa Selic<\/strong>, principal instrumento de controle da infla\u00e7\u00e3o no Brasil, tem um impacto direto e profundo no <strong data-start=\"265\" data-end=\"296\">mercado imobili\u00e1rio em 2025<\/strong>. Quando a Selic est\u00e1 alta, os juros dos <strong data-start=\"337\" data-end=\"368\">financiamentos imobili\u00e1rios<\/strong> sobem, o que reduz a capacidade de compra da popula\u00e7\u00e3o e, consequentemente, diminui o n\u00famero de transa\u00e7\u00f5es no setor. Por outro lado, uma Selic em queda \u2014 como observado em 2025 \u2014 torna o cr\u00e9dito mais barato, aquece a demanda e impulsiona a valoriza\u00e7\u00e3o dos im\u00f3veis.<\/p>\n<p class=\"\" data-start=\"635\" data-end=\"900\">Al\u00e9m disso, investidores tendem a migrar de aplica\u00e7\u00f5es de renda fixa para ativos reais, como im\u00f3veis, quando os <strong data-start=\"747\" data-end=\"798\">rendimentos banc\u00e1rios se tornam menos atrativos<\/strong>, o que pode aumentar ainda mais a procura por bens imobili\u00e1rios, principalmente nas grandes capitais.<\/p>\n<p class=\"\" data-start=\"902\" data-end=\"1258\">Para compradores, \u00e9 essencial acompanhar a Selic, pois ela influencia diretamente no <strong data-start=\"987\" data-end=\"1016\">CET (Custo Efetivo Total)<\/strong> do financiamento. Simular as condi\u00e7\u00f5es em plataformas como o <strong data-start=\"1078\" data-end=\"1137\">Simulador de Financiamento Imobili\u00e1rio da LARYA<\/strong> pode ajudar a entender como pequenas varia\u00e7\u00f5es na taxa b\u00e1sica de juros afetam o valor das parcelas e o total financiado.<\/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;14901&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;Qual o impacto da taxa Selic no mercado imobili\u00e1rio em 2025?&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\/qual-o-impacto-da-taxa-selic-no-mercado-imobiliario-em-2025\/'>\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-13601-ICS6D0TMW4' data-post_id='13601'>\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 o limite de idade para financiar um im\u00f3vel?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/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 class=\"\" data-start=\"508\" data-end=\"717\"><strong data-start=\"508\" data-end=\"563\">1. Existe limite de idade para financiar um im\u00f3vel?<\/strong><br data-start=\"563\" data-end=\"566\" \/>Sim. O <strong data-start=\"573\" data-end=\"590\">Banco Central<\/strong> e as institui\u00e7\u00f5es financeiras imp\u00f5em um <strong data-start=\"631\" data-end=\"683\">limite de idade somado ao prazo do financiamento<\/strong>, conhecido como <strong data-start=\"700\" data-end=\"714\">&#8220;regra 80&#8221;<\/strong>:<\/p>\n<blockquote data-start=\"719\" data-end=\"776\">\n<p class=\"\" data-start=\"721\" data-end=\"776\"><strong data-start=\"721\" data-end=\"776\">Idade do cliente + prazo do financiamento \u2264 80 anos<\/strong><\/p>\n<\/blockquote>\n<hr class=\"\" data-start=\"778\" data-end=\"781\" \/>\n<p class=\"\" data-start=\"783\" data-end=\"1061\"><strong data-start=\"783\" data-end=\"854\">2. Qual a idade m\u00e1xima para contratar um financiamento imobili\u00e1rio?<\/strong><br data-start=\"854\" data-end=\"857\" \/>O limite \u00e9 de <strong data-start=\"871\" data-end=\"892\">80 anos e 6 meses<\/strong> no momento da quita\u00e7\u00e3o do contrato. Isso significa que, se voc\u00ea tem 65 anos, o prazo m\u00e1ximo do seu financiamento ser\u00e1 de <strong data-start=\"1014\" data-end=\"1032\">15 anos e meio<\/strong> (aproximadamente 186 meses).<\/p>\n<hr class=\"\" data-start=\"1063\" data-end=\"1066\" \/>\n<p class=\"\" data-start=\"1068\" data-end=\"1306\"><strong data-start=\"1068\" data-end=\"1121\">3. Posso financiar um im\u00f3vel com mais de 60 anos?<\/strong><br data-start=\"1121\" data-end=\"1124\" \/>Sim. Muitas pessoas entre <strong data-start=\"1150\" data-end=\"1166\">60 e 75 anos<\/strong> financiam im\u00f3veis normalmente. A diferen\u00e7a \u00e9 que o <strong data-start=\"1218\" data-end=\"1255\">prazo do contrato ser\u00e1 mais curto<\/strong>, o que pode aumentar o valor das parcelas mensais.<\/p>\n<hr class=\"\" data-start=\"1308\" data-end=\"1311\" \/>\n<p class=\"\" data-start=\"1313\" data-end=\"1413\"><strong data-start=\"1313\" data-end=\"1366\">4. Como bancos calculam o prazo baseado na idade?<\/strong><br data-start=\"1366\" data-end=\"1369\" \/>Cada banco aplica a regra da seguinte forma:<\/p>\n<div class=\"pointer-events-none relative left-[50%]! flex w-[100cqw] translate-x-[-50%] justify-center *:pointer-events-auto\">\n<div class=\"tableContainer horzScrollShadows group relative\">\n<p>\u00a0<\/p>\n<table class=\"min-w-full\" data-start=\"1415\" data-end=\"1706\">\n<thead data-start=\"1415\" data-end=\"1462\">\n<tr data-start=\"1415\" data-end=\"1462\">\n<th data-start=\"1415\" data-end=\"1436\">Idade do comprador<\/th>\n<th data-start=\"1436\" data-end=\"1462\">Prazo m\u00e1ximo permitido<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"1511\" data-end=\"1706\">\n<tr data-start=\"1511\" data-end=\"1559\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1511\" data-end=\"1532\">30 anos<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1532\" data-end=\"1559\">at\u00e9 420 meses (35 anos)<\/td>\n<\/tr>\n<tr data-start=\"1560\" data-end=\"1608\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1560\" data-end=\"1581\">50 anos<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1581\" data-end=\"1608\">at\u00e9 360 meses (30 anos)<\/td>\n<\/tr>\n<tr data-start=\"1609\" data-end=\"1657\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1609\" data-end=\"1630\">65 anos<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1630\" data-end=\"1657\">at\u00e9 180 meses (15 anos)<\/td>\n<\/tr>\n<tr data-start=\"1658\" data-end=\"1706\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1658\" data-end=\"1679\">75 anos<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1679\" data-end=\"1706\">at\u00e9 60 meses (5 anos)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<hr class=\"\" data-start=\"1708\" data-end=\"1711\" \/>\n<p class=\"\" data-start=\"1713\" data-end=\"1843\"><strong data-start=\"1713\" data-end=\"1777\">5. Qual banco aceita financiamento para pessoas mais velhas?<\/strong><br data-start=\"1777\" data-end=\"1780\" \/>Todos os principais bancos aplicam a regra da idade, incluindo:<\/p>\n<ul data-start=\"1845\" data-end=\"1975\">\n<li class=\"\" style=\"list-style-type: none\" data-start=\"1845\" data-end=\"1876\">\n<ol>\n<li><a href=\"https:\/\/www.larya.com.br\/financiamento-imobiliario\/\"><strong>Banco do Brasil<\/strong>:<\/a> O limite de idade geralmente segue o padr\u00e3o de 80 anos e 6 meses. Portanto, o prazo do financiamento \u00e9 ajustado de acordo com a idade do cliente, para que o contrato seja quitado at\u00e9 essa idade.<\/li>\n<li><a href=\"https:\/\/www.larya.com.br\/financiamento-imobiliario\/\"><strong>Bradesco<\/strong>:<\/a> O prazo m\u00e1ximo de financiamento \u00e9 de at\u00e9 30 anos, mas o contrato deve ser quitado at\u00e9 que o cliente complete 80 anos. Se um cliente tem 65 anos, por exemplo, o prazo m\u00e1ximo do financiamento seria de 15 anos.<\/li>\n<li><a href=\"https:\/\/www.larya.com.br\/financiamento-imobiliario\/\"><strong>Ita\u00fa<\/strong>:<\/a> O Ita\u00fa permite que o financiamento seja quitado at\u00e9 os 80 anos. O prazo m\u00e1ximo pode variar, mas o financiamento deve ser estruturado de forma que o saldo devedor seja pago at\u00e9 essa idade.<\/li>\n<li><a href=\"https:\/\/www.larya.com.br\/financiamento-imobiliario\/\"><strong>Santander<\/strong>:<\/a> No Santander, a regra \u00e9 semelhante, com o limite de idade sendo de 80 anos ao t\u00e9rmino do contrato. O prazo do financiamento ser\u00e1 ajustado conforme a idade do cliente no momento da contrata\u00e7\u00e3o.<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1977\" data-end=\"2100\">A <b>LARYA <\/b>pode te ajudar a encontrar o banco com as melhores condi\u00e7\u00f5es de acordo com seu perfil de idade e renda.<\/p>\n<hr class=\"\" data-start=\"2102\" data-end=\"2105\" \/>\n<p class=\"\" data-start=\"2107\" data-end=\"2408\"><strong data-start=\"2107\" data-end=\"2166\">6. E se eu financiar junto com outra pessoa mais jovem?<\/strong><br data-start=\"2166\" data-end=\"2169\" \/>Neste caso, os bancos podem considerar a <strong data-start=\"2210\" data-end=\"2233\">idade do mais jovem<\/strong> como base para o c\u00e1lculo do prazo m\u00e1ximo. Isso \u00e9 chamado de <strong data-start=\"2294\" data-end=\"2341\">composi\u00e7\u00e3o de renda com c\u00f4njuge ou familiar<\/strong>, e pode ser uma excelente estrat\u00e9gia para ampliar o financiamento.<\/p>\n<hr class=\"\" data-start=\"2410\" data-end=\"2413\" \/>\n<p class=\"\" data-start=\"2415\" data-end=\"2662\"><strong data-start=\"2415\" data-end=\"2480\">7. Posso usar o FGTS para financiar mesmo com idade avan\u00e7ada?<\/strong><br data-start=\"2480\" data-end=\"2483\" \/>Sim. O uso do <strong data-start=\"2497\" data-end=\"2505\">FGTS<\/strong> \u00e9 permitido em qualquer idade, desde que o im\u00f3vel esteja dentro das regras do <strong data-start=\"2584\" data-end=\"2625\">SFH (Sistema Financeiro da Habita\u00e7\u00e3o)<\/strong> e voc\u00ea atenda aos demais requisitos.<\/p>\n<hr class=\"\" data-start=\"2664\" data-end=\"2667\" \/>\n<p class=\"\" data-start=\"2669\" data-end=\"2956\"><strong data-start=\"2669\" data-end=\"2720\">8. Como saber at\u00e9 quantos anos posso financiar?<\/strong><br data-start=\"2720\" data-end=\"2723\" \/>Voc\u00ea pode usar o <strong data-start=\"2740\" data-end=\"2832\"><a target=\"_new\" rel=\"noopener\" data-start=\"2742\" data-end=\"2830\">simulador da LARYA<\/a><\/strong> para entender quanto voc\u00ea pode financiar, por quantos anos e com quais parcelas \u2014 levando em conta sua idade e renda atual.<\/p>\n<p>\u00c9 importante ressaltar que, al\u00e9m da idade, os bancos tamb\u00e9m consideram a capacidade de pagamento do cliente, o valor do im\u00f3vel, e o relacionamento do cliente com a institui\u00e7\u00e3o. Esses fatores podem influenciar o prazo e as condi\u00e7\u00f5es do financiamento.<\/p>\n<p>Consulte com nossa assessoria de cr\u00e9dito! <a href=\"https:\/\/www.larya.com.br\/financiamento-imobiliario\/\">Fa\u00e7a agora uma simula\u00e7\u00e3o online gr\u00e1tis, em nossa calculadora de Financiamento Imobili\u00e1rio!<\/a><\/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;13601&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;17&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 - (17 votos)&quot;,&quot;size&quot;:&quot;26&quot;,&quot;title&quot;:&quot;Qual o limite de idade para financiar um im\u00f3vel?&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 - (17 votos)    <\/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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=correspondente-bancario\">Correspondente Banc\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=credito-imobiliario\">Cr\u00e9dito Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=emprestimo-imobiliario\">Empr\u00e9stimo Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento\">Financiamento<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-de-imoveis\">Financiamento de Im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=hipoteca\">Hipoteca<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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-o-limite-de-idade-para-financiar-um-imovel\/'>\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-16762-fZR78AcDsk' data-post_id='16762'>\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 o melhor curso para corretor de im\u00f3veis?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=corretor-de-imoveis\">Corretor de Im\u00f3veis<\/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 data-path-to-node=\"47\">O melhor curso \u00e9 aquele que oferece <b>credenciamento r\u00e1pido no CRECI<\/b> e m\u00f3dulos pr\u00e1ticos de vendas e marketing digital.<\/p>\n<p data-path-to-node=\"48\"><b>O que buscar:<\/b><\/p>\n<ul data-path-to-node=\"49\">\n<li>\n<p data-path-to-node=\"49,0,0\"><b>Obrigat\u00f3rio:<\/b> Curso TTI (T\u00e9cnico em Transa\u00e7\u00f5es Imobili\u00e1rias) reconhecido pelo MEC\/COFECI.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"49,1,0\"><b>Diferencial de Mercado:<\/b> Cursos de <b>Avalia\u00e7\u00e3o de Im\u00f3veis<\/b> (para emitir PTAM) e <b>Marketing Imobili\u00e1rio Digital<\/b> (tr\u00e1fego pago, fotos, redes sociais). O mercado atual valoriza mais a capacidade de gerar leads online do que apenas a t\u00e9cnica jur\u00eddica b\u00e1sica.<\/p>\n<\/li>\n<\/ul>\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;16762&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;Qual o melhor curso para corretor de im\u00f3veis?&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\/qual-o-melhor-curso-para-corretor-de-imoveis\/'>\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-14908-4NheatWVga' data-post_id='14908'>\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 o score m\u00ednimo para conseguir financiamento em 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/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 class=\"\" data-start=\"151\" data-end=\"311\">Em 2025, <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">o <strong data-start=\"2\" data-end=\"22\">score de cr\u00e9dito<\/strong> continua sendo um dos principais crit\u00e9rios utilizados pelas institui\u00e7\u00f5es financeiras para aprovar financiamentos imobili\u00e1rios.<\/span> <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Embora cada banco tenha suas pr\u00f3prias pol\u00edticas, de forma geral, um score acima de <strong data-start=\"83\" data-end=\"97\">700 pontos<\/strong> \u00e9 considerado excelente, indicando um hist\u00f3rico financeiro s\u00f3lido e aumentando significativamente as chances de aprova\u00e7\u00e3o com condi\u00e7\u00f5es favor\u00e1veis<\/span><\/p>\n<p class=\"\" data-start=\"313\" data-end=\"470\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Pontua\u00e7\u00f5es entre <strong data-start=\"17\" data-end=\"37\">501 e 700 pontos<\/strong> s\u00e3o vistas como boas, oferecendo boas chances de aprova\u00e7\u00e3o, embora possivelmente com taxas de juros um pouco mais altas.<\/span> <span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">J\u00e1 scores abaixo de <strong data-start=\"20\" data-end=\"34\">500 pontos<\/strong> s\u00e3o considerados de alto risco, podendo resultar em dificuldades na aprova\u00e7\u00e3o ou em exig\u00eancias mais rigorosas, como entradas maiores ou garantias adicionais.<\/span><\/p>\n<p class=\"\" data-start=\"472\" data-end=\"512\">Para melhorar seu score, \u00e9 recomend\u00e1vel:<\/p>\n<ul data-start=\"514\" data-end=\"720\">\n<li class=\"\" data-start=\"514\" data-end=\"555\">\n<p class=\"\" data-start=\"516\" data-end=\"555\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Pagar contas em dia;<\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"556\" data-end=\"597\">\n<p class=\"\" data-start=\"558\" data-end=\"597\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Negociar e quitar d\u00edvidas pendentes;<\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"598\" data-end=\"639\">\n<p class=\"\" data-start=\"600\" data-end=\"639\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Evitar solicitar m\u00faltimos cr\u00e9ditos em curto per\u00edodo;<\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"640\" data-end=\"720\">\n<p class=\"\" data-start=\"642\" data-end=\"720\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Manter seus dados atualizados nos bureaus de cr\u00e9dito<\/span><\/p>\n<\/li>\n<\/ul>\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;14908&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 o score m\u00ednimo para conseguir financiamento em 2025?&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-o-score-minimo-para-conseguir-financiamento-em-2025\/'>\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-13622-CxH4lZnK6R' data-post_id='13622'>\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 valor do m2 para construir 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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 class=\"\" data-start=\"368\" data-end=\"749\"><strong data-start=\"368\" data-end=\"423\">1. Qual o valor m\u00e9dio do m\u00b2 para construir em 2025?<\/strong><br data-start=\"423\" data-end=\"426\" \/>Em 2025, o custo m\u00e9dio para construir uma casa no Brasil varia entre <strong data-start=\"495\" data-end=\"537\">R$ 1.800 e R$ 4.500 por metro quadrado<\/strong>, dependendo do padr\u00e3o da obra e da regi\u00e3o. O <strong data-start=\"583\" data-end=\"629\">valor do m\u00b2 para constru\u00e7\u00e3o de alto padr\u00e3o<\/strong> pode ultrapassar os <strong data-start=\"650\" data-end=\"665\">R$ 5.000\/m\u00b2<\/strong>, especialmente em grandes centros urbanos como S\u00e3o Paulo, Bras\u00edlia e Florian\u00f3polis.<\/p>\n<p class=\"\" data-start=\"751\" data-end=\"918\">Para saber o custo exato, acesse nossa <strong data-start=\"790\" data-end=\"884\"><a target=\"_new\" rel=\"noopener\" data-start=\"792\" data-end=\"882\">Calculadora de Reforma gratuita<\/a><\/strong> e fa\u00e7a a simula\u00e7\u00e3o personalizada.<\/p>\n<p class=\"\" data-start=\"925\" data-end=\"1303\"><strong data-start=\"925\" data-end=\"981\">2. Quanto custa construir uma casa de 100m\u00b2 em 2025?<\/strong><br data-start=\"981\" data-end=\"984\" \/>Considerando um padr\u00e3o m\u00e9dio de constru\u00e7\u00e3o, o custo estimado \u00e9 de <strong data-start=\"1050\" data-end=\"1077\">R$ 200.000 a R$ 350.000<\/strong>, dependendo dos acabamentos e da localiza\u00e7\u00e3o. Para casas de <strong data-start=\"1138\" data-end=\"1153\">alto padr\u00e3o<\/strong>, o valor pode chegar a <strong data-start=\"1177\" data-end=\"1199\">R$ 500.000 ou mais<\/strong>.<br data-start=\"1200\" data-end=\"1203\" \/>Use nossa <strong data-start=\"1216\" data-end=\"1238\">calculadora online<\/strong> e veja quanto custa construir exatamente a casa dos seus sonhos.<\/p>\n<p class=\"\" data-start=\"1310\" data-end=\"1551\"><strong data-start=\"1310\" data-end=\"1360\">3. E quanto custa construir uma casa de 150m\u00b2?<\/strong><br data-start=\"1360\" data-end=\"1363\" \/>Seguindo os mesmos par\u00e2metros, o custo de constru\u00e7\u00e3o de uma casa de 150m\u00b2 pode variar entre <strong data-start=\"1455\" data-end=\"1482\">R$ 270.000 e R$ 700.000<\/strong>, com varia\u00e7\u00f5es conforme o projeto, padr\u00e3o de acabamento e terreno.<\/p>\n<p class=\"\" data-start=\"1553\" data-end=\"1658\"><strong data-start=\"1556\" data-end=\"1565\">Dica:<\/strong> Utilize a nossa <strong data-start=\"1582\" data-end=\"1611\">calculadora de constru\u00e7\u00e3o<\/strong> para ajustar os valores ao seu or\u00e7amento real.<\/p>\n<p class=\"\" data-start=\"1665\" data-end=\"1750\"><strong data-start=\"1665\" data-end=\"1726\">4. Como calcular o valor para construir uma casa em 2025?<\/strong><br data-start=\"1726\" data-end=\"1729\" \/>O c\u00e1lculo b\u00e1sico \u00e9:<\/p>\n<blockquote data-start=\"1751\" data-end=\"1800\">\n<p class=\"\" data-start=\"1753\" data-end=\"1800\"><strong data-start=\"1753\" data-end=\"1798\">\u00e1rea constru\u00edda (m\u00b2) \u00d7 custo m\u00e9dio por m\u00b2<\/strong><\/p>\n<\/blockquote>\n<p class=\"\" data-start=\"1802\" data-end=\"1853\">Por exemplo:<br data-start=\"1814\" data-end=\"1817\" \/>150 m\u00b2 \u00d7 R$ 3.200 = <strong data-start=\"1837\" data-end=\"1851\">R$ 480.000<\/strong><\/p>\n<p class=\"\" data-start=\"1855\" data-end=\"2134\">Mas esse valor pode mudar com o padr\u00e3o do im\u00f3vel, terreno, m\u00e3o de obra e acabamento. Para um resultado mais preciso, recomendamos o uso da <strong data-start=\"1994\" data-end=\"2096\"><a target=\"_new\" rel=\"noopener\" data-start=\"1996\" data-end=\"2094\">Calculadora de Reforma da LARYA<\/a><\/strong>, que j\u00e1 considera tend\u00eancias de 2025.<\/p>\n<p class=\"\" data-start=\"2141\" data-end=\"2293\"><strong data-start=\"2141\" data-end=\"2202\">5. Como calcular o pre\u00e7o do metro quadrado de um terreno?<\/strong><br data-start=\"2202\" data-end=\"2205\" \/>Para calcular o valor por m\u00b2 de um terreno, basta dividir o pre\u00e7o total pela metragem:<\/p>\n<blockquote data-start=\"2294\" data-end=\"2351\">\n<p class=\"\" data-start=\"2296\" data-end=\"2351\">Exemplo: terreno de R$ 180.000 com 300 m\u00b2 \u2192 R$ 600\/m\u00b2<\/p>\n<\/blockquote>\n<p class=\"\" data-start=\"2353\" data-end=\"2529\">Voc\u00ea pode comparar esse valor com outros terrenos da mesma regi\u00e3o acessando o nosso <strong data-start=\"2437\" data-end=\"2491\">\u00edndice de valor do metro quadrado por bairro e rua<\/strong>, dispon\u00edvel no site da LARYA.<\/p>\n<p class=\"\" data-start=\"2536\" data-end=\"2873\"><strong data-start=\"2536\" data-end=\"2593\">6. Construir ainda \u00e9 mais barato que comprar em 2025?<\/strong><br data-start=\"2593\" data-end=\"2596\" \/>Em muitas regi\u00f5es, sim. Construir pode gerar uma <strong data-start=\"2645\" data-end=\"2668\">economia de at\u00e9 30%<\/strong> em rela\u00e7\u00e3o \u00e0 compra de im\u00f3veis prontos, especialmente se o terreno j\u00e1 estiver quitado. Mas o ideal \u00e9 comparar com os dados reais de mercado \u2013 e a <strong data-start=\"2815\" data-end=\"2872\">LARYA oferece essas compara\u00e7\u00f5es gratuitamente<\/strong>.<\/p>\n<p class=\"\" data-start=\"2880\" data-end=\"3161\"><strong data-start=\"2880\" data-end=\"2946\">7. Onde posso acompanhar o valor do metro quadrado por regi\u00e3o?<\/strong><br data-start=\"2946\" data-end=\"2949\" \/>Acesse o portal da <strong data-start=\"2968\" data-end=\"2985\">LARYA<\/strong> e consulte <strong data-start=\"2997\" data-end=\"3058\">valores por m\u00b2 em mais de 50 mil ruas e bairros do Brasil<\/strong>. Os dados s\u00e3o atualizados com base em transa\u00e7\u00f5es reais, tend\u00eancias do mercado e \u00edndices como o CUB\/m\u00b2.<\/p>\n<p>\u00a0<\/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;13622&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;Qual valor do m2 para construir 2025?&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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=corretor-de-imoveis\">corretor de im\u00f3veis<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiamento-construcao\">financiamento constru\u00e7\u00e3o<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=financiar-terrenos\">financiar terrenos<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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-valor-do-m2-para-construir-2024\/'>\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-16758-KT8XuQZIhu' data-post_id='16758'>\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\tQuanto ganha um corretor de im\u00f3veis em m\u00e9dia?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=corretor-de-imoveis\">Corretor de Im\u00f3veis<\/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 data-path-to-node=\"11\">A m\u00e9dia salarial nacional gira em torno de <b>R$ 3.008,00<\/b>, mas o ganhos reais s\u00e3o vari\u00e1veis e baseados em comiss\u00f5es, podendo ultrapassar <b>R$ 10.000 a R$ 30.000<\/b> mensais para corretores de alta performance ou de im\u00f3veis de luxo.<\/p>\n<p data-path-to-node=\"12\"><b>An\u00e1lise Profunda:<\/b> Diferente de um emprego CLT tradicional, o corretor de im\u00f3veis \u00e9, na maioria das vezes, um profissional aut\u00f4nomo.<\/p>\n<ul data-path-to-node=\"13\">\n<li>\n<p data-path-to-node=\"13,0,0\"><b>Iniciantes:<\/b> Costumam faturar entre R$ 2.000 e R$ 4.000 mensais enquanto constroem sua carteira.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"13,1,0\"><b>Comiss\u00f5es:<\/b> O ganho vem da porcentagem sobre vendas (geralmente 6%) ou loca\u00e7\u00f5es (1\u00ba aluguel).<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"13,2,0\"><b>Fatores de Sucesso:<\/b> Nicho de atua\u00e7\u00e3o (ex: alto padr\u00e3o paga mais), networking e investimentos em marketing digital pessoal.<\/p>\n<\/li>\n<\/ul>\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;16758&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;Quanto ganha um corretor de im\u00f3veis em m\u00e9dia?&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\/quanto-ganha-um-corretor-de-imoveis-em-media\/'>\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-14915-hzUPtK9Bjl' data-post_id='14915'>\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\tque \u00e9 importante verificar antes de assinar o contrato de compra?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=guia-do-comprador\">Guia do comprador<\/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 class=\"\" data-start=\"148\" data-end=\"425\">Antes de assinar o contrato de compra de um im\u00f3vel, \u00e9 essencial realizar uma an\u00e1lise completa dos documentos, do im\u00f3vel e da situa\u00e7\u00e3o do vendedor. Em 2025, com a valoriza\u00e7\u00e3o dos im\u00f3veis e o aumento de fraudes, a cautela \u00e9 ainda mais necess\u00e1ria. Veja os pontos mais importantes:<\/p>\n<ol data-start=\"427\" data-end=\"1530\">\n<li class=\"\" data-start=\"427\" data-end=\"629\">\n<p class=\"\" data-start=\"430\" data-end=\"629\"><strong data-start=\"430\" data-end=\"456\">Documenta\u00e7\u00e3o do im\u00f3vel<\/strong>: verifique matr\u00edcula atualizada no cart\u00f3rio de registro de im\u00f3veis, aus\u00eancia de \u00f4nus ou pend\u00eancias judiciais, habite-se, e certid\u00e3o negativa de d\u00e9bitos (IPTU e condom\u00ednio).<\/p>\n<\/li>\n<li class=\"\" data-start=\"630\" data-end=\"820\">\n<p class=\"\" data-start=\"633\" data-end=\"820\"><strong data-start=\"633\" data-end=\"661\">Documenta\u00e7\u00e3o do vendedor<\/strong>: para pessoa f\u00edsica, certid\u00f5es negativas civis, trabalhistas, fiscais e de protestos. Para pessoa jur\u00eddica, adicione certid\u00e3o da junta comercial e CNPJ ativo.<\/p>\n<\/li>\n<li class=\"\" data-start=\"821\" data-end=\"1015\">\n<p class=\"\" data-start=\"824\" data-end=\"1015\"><strong data-start=\"824\" data-end=\"860\">Situa\u00e7\u00e3o financeira do comprador<\/strong>: confirme a aprova\u00e7\u00e3o do financiamento imobili\u00e1rio antes da assinatura. Use um simulador de financiamento para saber as parcelas e juros com anteced\u00eancia.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1016\" data-end=\"1174\">\n<p class=\"\" data-start=\"1019\" data-end=\"1174\"><strong data-start=\"1019\" data-end=\"1042\">Condi\u00e7\u00f5es do im\u00f3vel<\/strong>: visite o im\u00f3vel novamente antes da assinatura, verifique estrutura, instala\u00e7\u00f5es el\u00e9tricas e hidr\u00e1ulicas. Tire fotos para registro.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1175\" data-end=\"1383\">\n<p class=\"\" data-start=\"1178\" data-end=\"1383\"><strong data-start=\"1178\" data-end=\"1201\">Revis\u00e3o do contrato<\/strong>: leia todas as cl\u00e1usulas com aten\u00e7\u00e3o. Prazos, multas, condi\u00e7\u00f5es de pagamento, taxas e responsabilidades devem estar muito bem definidos. Um advogado especializado pode ser decisivo.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1384\" data-end=\"1530\">\n<p class=\"\" data-start=\"1387\" data-end=\"1530\"><strong data-start=\"1387\" data-end=\"1406\">Valores e taxas<\/strong>: confirme quem pagar\u00e1 ITBI, escritura, registro e comiss\u00e3o do corretor. Em alguns casos, esses custos podem ser negociados.<\/p>\n<\/li>\n<\/ol>\n<p class=\"\" data-start=\"1532\" data-end=\"1693\">Utilize a plataforma da <strong data-start=\"1556\" data-end=\"1573\">LARYA<\/strong> para comparar im\u00f3veis, obter uma avalia\u00e7\u00e3o online gratuita (AVM) e simular financiamento \u2014 tudo de forma 100% gratuita.<\/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;14915&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;que \u00e9 importante verificar antes de assinar o contrato de compra?&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\/que-e-importante-verificar-antes-de-assinar-o-contrato-de-compra\/'>\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-14907-srCZ0jYQeM' data-post_id='14907'>\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\tSimulador de financiamento imobili\u00e1rio: como usar e interpretar os resultados?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=financiamento-imobiliario\">Financiamento Imobili\u00e1rio<\/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 class=\"\" data-start=\"156\" data-end=\"431\">O <strong data-start=\"158\" data-end=\"200\">simulador de financiamento imobili\u00e1rio<\/strong> \u00e9 uma ferramenta essencial para quem planeja comprar um im\u00f3vel em 2025. Ele permite calcular quanto voc\u00ea pode financiar com base na sua <strong data-start=\"337\" data-end=\"411\">renda familiar, entrada dispon\u00edvel, taxa de juros, prazo do empr\u00e9stimo<\/strong> e outros crit\u00e9rios.<\/p>\n<p class=\"\" data-start=\"433\" data-end=\"524\">Ao preencher os dados no simulador \u2014 como na LARYA \u2014 voc\u00ea recebe estimativas sobre:<\/p>\n<ul data-start=\"525\" data-end=\"699\">\n<li class=\"\" data-start=\"525\" data-end=\"568\">\n<p class=\"\" data-start=\"527\" data-end=\"568\">Valor m\u00e1ximo do im\u00f3vel que pode adquirir;<\/p>\n<\/li>\n<li class=\"\" data-start=\"569\" data-end=\"599\">\n<p class=\"\" data-start=\"571\" data-end=\"599\">Valor da entrada necess\u00e1ria;<\/p>\n<\/li>\n<li class=\"\" data-start=\"600\" data-end=\"629\">\n<p class=\"\" data-start=\"602\" data-end=\"629\">Valor das parcelas mensais;<\/p>\n<\/li>\n<li class=\"\" data-start=\"630\" data-end=\"661\">\n<p class=\"\" data-start=\"632\" data-end=\"661\">Custo total do financiamento;<\/p>\n<\/li>\n<li class=\"\" data-start=\"662\" data-end=\"699\">\n<p class=\"\" data-start=\"664\" data-end=\"699\">Taxas de juros estimadas por banco.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"701\" data-end=\"1018\">\u00c9 fundamental interpretar os resultados com aten\u00e7\u00e3o: compare as simula\u00e7\u00f5es entre diferentes institui\u00e7\u00f5es financeiras e avalie se as parcelas cabem no seu or\u00e7amento (normalmente at\u00e9 30% da renda familiar). Tamb\u00e9m \u00e9 importante verificar <strong data-start=\"936\" data-end=\"967\">o CET (Custo Efetivo Total)<\/strong> e o tipo de sistema de amortiza\u00e7\u00e3o (SAC ou PRICE).<\/p>\n<p class=\"\" data-start=\"1020\" data-end=\"1134\">O simulador ajuda a evitar surpresas, entender sua capacidade de compra e escolher o melhor banco para seu perfil.<\/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;14907&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;Simulador de financiamento imobili\u00e1rio: como usar e interpretar os resultados?&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\/simulador-de-financiamento-imobiliario-como-usar-e-interpretar-os-resultados\/'>\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-14900-7EXQfVeHlM' data-post_id='14900'>\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\tVale a pena comprar im\u00f3vel em 2025?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=mercado-imobiliario\">Mercado Imobili\u00e1rio<\/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 class=\"\" data-start=\"132\" data-end=\"539\">Comprar um im\u00f3vel em 2025 pode ser uma excelente oportunidade, principalmente diante da <strong data-start=\"220\" data-end=\"251\">queda gradual da taxa Selic<\/strong>, que reduz o custo do cr\u00e9dito imobili\u00e1rio e torna os <strong data-start=\"305\" data-end=\"339\">financiamentos mais acess\u00edveis<\/strong>. Al\u00e9m disso, os <strong data-start=\"356\" data-end=\"385\">pre\u00e7os por metro quadrado<\/strong> em algumas regi\u00f5es ainda n\u00e3o atingiram seu pico, permitindo que compradores fa\u00e7am <strong data-start=\"468\" data-end=\"488\">boas negocia\u00e7\u00f5es<\/strong> e conquistem im\u00f3veis com potencial de valoriza\u00e7\u00e3o.<\/p>\n<p class=\"\" data-start=\"541\" data-end=\"918\">Outro ponto favor\u00e1vel \u00e9 o avan\u00e7o da <strong data-start=\"577\" data-end=\"612\">tecnologia na jornada de compra<\/strong>, com <strong data-start=\"618\" data-end=\"662\">simuladores de financiamento imobili\u00e1rio<\/strong>, <strong data-start=\"664\" data-end=\"696\">avalia\u00e7\u00f5es de im\u00f3veis online<\/strong> e ferramentas que permitem comparar bairros, valores e tend\u00eancias em tempo real. Plataformas como LARYA oferecem <strong data-start=\"818\" data-end=\"853\">avalia\u00e7\u00f5es gratuitas de im\u00f3veis<\/strong> e dados confi\u00e1veis para quem deseja tomar decis\u00f5es mais seguras.<\/p>\n<p class=\"\" data-start=\"920\" data-end=\"1344\">No entanto, vale lembrar que o mercado segue din\u00e2mico e regionalizado. \u00c9 fundamental considerar o <strong data-start=\"1018\" data-end=\"1041\">perfil do comprador<\/strong>, seus objetivos (moradia ou investimento), e o <strong data-start=\"1089\" data-end=\"1127\">potencial de valoriza\u00e7\u00e3o do bairro<\/strong>. Em regi\u00f5es com alta liquidez e infraestrutura crescente, o retorno pode ser bastante atrativo. Para quem busca seguran\u00e7a patrimonial e prote\u00e7\u00e3o contra a infla\u00e7\u00e3o, o <strong data-start=\"1294\" data-end=\"1343\">im\u00f3vel continua sendo um ativo s\u00f3lido em 2025<\/strong>.<\/p>\n<p class=\"\" data-start=\"1346\" data-end=\"1528\">\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;14900&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;Vale a pena comprar im\u00f3vel em 2025?&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\/vale-a-pena-comprar-imovel-em-2025\/'>\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-16676-tL6RypqUTY' data-post_id='16676'>\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\tVale a pena fazer a portabilidade de financiamento em 2026?\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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_category=portabilidade-credito-imobiliario\">Portabilidade de Cr\u00e9dito Imobili\u00e1rio<\/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, especialmente em cen\u00e1rios de volatilidade da <b>Taxa Selic<\/b>. Com as proje\u00e7\u00f5es econ\u00f4micas para <b>2026<\/b>, contratos antigos firmados em momentos de alta dos juros tornam-se obsoletos. Especialistas indicam que uma redu\u00e7\u00e3o de apenas 0,5% a 1% na taxa de juros nominal j\u00e1 justifica a migra\u00e7\u00e3o. Ao fazer a portabilidade com a <b>LARYA<\/b>, voc\u00ea blinda seu or\u00e7amento contra a infla\u00e7\u00e3o e aproveita janelas de oportunidade para amortizar sua d\u00edvida de forma mais acelerada e inteligente.<\/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;16676&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;Vale a pena fazer a portabilidade de financiamento em 2026?&quot;,&quot;width&quot;:&quot;143.5&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 143.5px\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px;height: 26px\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 20.8px\">\n            5\/5 - (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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=portabilidade-de-credito\">Portabilidade de Cr\u00e9dito<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=reducao-de-juros\">Redu\u00e7\u00e3o de Juros<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=refinanciamento-imobiliario\">Refinanciamento Imobili\u00e1rio<\/a>, \n\t\n\t\t<a href=\"https:\/\/larya.com.br\/blog\/ufaq\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/?include_tag=taxa-selic-2026\">Taxa Selic 2026<\/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\/vale-a-pena-fazer-a-portabilidade-de-financiamento-em-2026\/'>\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;16676&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;Vale a pena fazer a portabilidade de financiamento em 2026?&quot;,&quot;width&quot;:&quot;143.5&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 143.5px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 3px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 26px; height: 26px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 20.8px;\">\n            5\/5 - (1 voto)    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bairros como Ch\u00e1cara Itaim, Jardim Europa e Vila Nova Concei\u00e7\u00e3o s\u00e3o os bairros mais caros de S\u00e3o Paulo. Veja os detalhes no LARYA.<!-- 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":15117,"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":[67],"tags":[416,1174,424,1218,1220,1216,1222,228],"class_list":["post-4060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mercado-imobiliario-2026","tag-apartamento-a-venda","tag-bairros-de-sao-paulo","tag-casas-para-comprar","tag-comprar-imoveis-sao-paulo","tag-dados-setor-imobiliario-sp","tag-mercado-imobiliario-sp-sao-paulo","tag-regioes-valorizadas-sao-paulo","tag-venda-de-imoveis"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/larya.com.br\/blog\/wp-content\/uploads\/2025\/03\/paisagem-urbana-cidade-arranha-ceu-edificios.webp","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/4060","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=4060"}],"version-history":[{"count":0,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/4060\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media\/15117"}],"wp:attachment":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media?parent=4060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/categories?post=4060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/tags?post=4060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}