{"id":8288,"date":"2025-02-20T15:00:10","date_gmt":"2025-02-20T18:00:10","guid":{"rendered":"https:\/\/www.agenteimovel.com.br\/noticias\/?p=8288"},"modified":"2026-02-26T16:54:14","modified_gmt":"2026-02-26T19:54:14","slug":"quem-ja-tem-um-imovel-pode-assumir-novo-financiamento","status":"publish","type":"post","link":"https:\/\/larya.com.br\/blog\/quem-ja-tem-um-imovel-pode-assumir-novo-financiamento\/","title":{"rendered":"Financiar um Segundo Im\u00f3vel: Guia Definitivo 2026 (Regras, FGTS e Taxas)"},"content":{"rendered":"<div style=\"background-color: #f9f9f9; border: 2px solid #041F30; padding: 25px; margin: 20px 0; border-radius: 8px;\"><strong>Resposta Direta:<\/strong> Sim, \u00e9 poss\u00edvel <strong>financiar um segundo im\u00f3vel<\/strong> mesmo j\u00e1 possuindo um financiamento ativo. O principal crit\u00e9rio \u00e9 que a soma de todas as parcelas n\u00e3o ultrapasse 30% da sua renda bruta mensal. Em 2026, com o novo teto do SFH em R$ 2,25 milh\u00f5es, as regras para uso do FGTS tornaram-se mais espec\u00edficas: voc\u00ea s\u00f3 pode usar o saldo no segundo im\u00f3vel se o primeiro for vendido ou estiver localizado em regi\u00e3o metropolitana distinta da nova aquisi\u00e7\u00e3o.<\/div>\n<p>O mercado imobili\u00e1rio em 2026 apresenta um cen\u00e1rio de &#8220;Smart FOMO&#8221; (Fear Of Missing Out). Com a <strong>Taxa Selic em 15%<\/strong>, muitos investidores hesitam, mas os dados da ABECIP e FipeZAP mostram que a valoriza\u00e7\u00e3o dos ativos imobili\u00e1rios continua superando a infla\u00e7\u00e3o, especialmente em clusters de alta demanda. Se voc\u00ea j\u00e1 possui um im\u00f3vel e deseja expandir seu patrim\u00f4nio, entender como <strong>financiar um segundo im\u00f3vel<\/strong> \u00e9 a estrat\u00e9gia de alavancagem mais inteligente para este ciclo econ\u00f4mico.<\/p>\n<div style=\"text-align: center; margin: 30px 0;\"><a style=\"background-color: #fe1637; color: #ffffff; padding: 18px 35px; text-decoration: none; border-radius: 5px; font-weight: bold; display: inline-block;\" href=\"https:\/\/larya.com.br\/simulador-de-financiamento-imobiliario\">SIMULAR FINANCIAMENTO DO SEGUNDO IM\u00d3VEL \u2192<\/a><\/div>\n<h2>1. A Matem\u00e1tica da Aprova\u00e7\u00e3o: Comprometimento de Renda em 2026<\/h2>\n<p>Para o Head de Market Intelligence da LARYA, o primeiro passo para <strong>financiar um segundo im\u00f3vel<\/strong> n\u00e3o \u00e9 escolher a unidade, mas sim auditar sua capacidade de endividamento. Os bancos operam sob a \u00e9gide da Lei do Superendividamento e das normas do Banco Central, que limitam o comprometimento financeiro.<\/p>\n<p>Se voc\u00ea paga R$ 5.000,00 de parcela no primeiro im\u00f3vel e possui uma renda bruta de R$ 30.000,00, seu limite dispon\u00edvel para um novo boleto \u00e9 de aproximadamente R$ 4.000,00 (totalizando R$ 9.000,00, ou 30% da renda). Caso sua renda n\u00e3o suporte essa soma, a LARYA recomenda a composi\u00e7\u00e3o de renda com familiares ou a utiliza\u00e7\u00e3o de b\u00f4nus e dividendos comprovados via <a href=\"https:\/\/larya.com.br\/blog\/documentacao-na-compra-de-um-imovel-2026\/\">documenta\u00e7\u00e3o oficial<\/a>.<\/p>\n<p><strong>Dica de Especialista:<\/strong> Se o primeiro im\u00f3vel estiver alugado, o contrato de loca\u00e7\u00e3o (desde que declarado no IR) pode ser somado \u00e0 sua renda bruta, aumentando seu poder de compra para o segundo financiamento.<\/p>\n<h2>2. Regras para Uso do FGTS na Compra de Segundo Im\u00f3vel<\/h2>\n<p>Esta \u00e9 a d\u00favida mais frequente entre nossos clientes. As <strong>regras uso fgts segundo im\u00f3vel<\/strong> s\u00e3o r\u00edgidas e vinculadas ao Sistema Financeiro de Habita\u00e7\u00e3o (SFH). Para utilizar seu saldo do Fundo de Garantia na aquisi\u00e7\u00e3o de uma segunda unidade, voc\u00ea deve cumprir requisitos geogr\u00e1ficos e de propriedade:<\/p>\n<ul>\n<li><strong>Venda do Im\u00f3vel Anterior:<\/strong> Se voc\u00ea vender o primeiro, volta a ser eleg\u00edvel para o uso total do FGTS no novo financiamento.<\/li>\n<li><strong>Localiza\u00e7\u00e3o Distinta:<\/strong> Voc\u00ea n\u00e3o pode possuir im\u00f3vel residencial conclu\u00eddo ou em constru\u00e7\u00e3o no mesmo munic\u00edpio, em munic\u00edpios lim\u00edtrofes ou na mesma regi\u00e3o metropolitana onde pretende <strong>financiar um segundo im\u00f3vel<\/strong> com FGTS.<\/li>\n<li><strong>Resid\u00eancia Pr\u00f3pria:<\/strong> O im\u00f3vel deve ser destinado \u00e0 sua moradia, e n\u00e3o para fins estritamente comerciais ou de lazer (como casas de veraneio), sob pena de desquadramento.<\/li>\n<\/ul>\n<p>Para entender profundamente os limites de valores, consulte nosso guia sobre <a href=\"https:\/\/larya.com.br\/blog\/como-usar-fgts-para-financiamento-em-2026\/\">como usar FGTS para financiamento em 2026<\/a>.<\/p>\n<h2>3. SFH vs. SFI: O Novo Teto de R$ 2,25 Milh\u00f5es<\/h2>\n<p>Em 2026, o governo atualizou o limite do <strong>SFH (Sistema Financeiro de Habita\u00e7\u00e3o)<\/strong> para <strong>R$ 2,25 milh\u00f5es<\/strong>. Isso foi um divisor de \u00e1guas para quem busca <strong>financiar um segundo im\u00f3vel<\/strong> de m\u00e9dio-alto padr\u00e3o com taxas de juros subsidiadas ou limitadas. Im\u00f3veis que ultrapassam esse valor entram automaticamente no <strong>SFI (Sistema de Financiamento Imobili\u00e1rio)<\/strong>, onde as taxas s\u00e3o livres e o uso do FGTS \u00e9 vedado.<\/p>\n<p>Abaixo, detalhamos a diferen\u00e7a t\u00e9cnica crucial para sua decis\u00e3o:<\/p>\n<table style=\"border-collapse: collapse; border: 1px solid #ddd; margin: 20px 0;\" border=\"1\" width=\"100%\" cellpadding=\"10\">\n<tbody>\n<tr style=\"background-color: #041f30; color: white;\">\n<th>Caracter\u00edstica<\/th>\n<th>SFH (At\u00e9 R$ 2,25M)<\/th>\n<th>SFI (Acima de R$ 2,25M)<\/th>\n<\/tr>\n<tr>\n<td><strong>Taxa de Juros<\/strong><\/td>\n<td>M\u00e1ximo 12% a.a. + TR<\/td>\n<td>Taxas de Mercado (Livre)<\/td>\n<\/tr>\n<tr>\n<td><strong>Uso do FGTS<\/strong><\/td>\n<td>Permitido (seguindo regras)<\/td>\n<td>Proibido<\/td>\n<\/tr>\n<tr>\n<td><strong>Amortiza\u00e7\u00e3o<\/strong><\/td>\n<td>Obrigat\u00f3ria via <a href=\"https:\/\/larya.com.br\/tabela-sac-e-price-2026\">SAC ou PRICE<\/a><\/td>\n<td>Livre negocia\u00e7\u00e3o<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div style=\"text-align: center; margin: 30px 0;\"><a style=\"background-color: #3a2fa3; color: #ffffff; padding: 18px 35px; text-decoration: none; border-radius: 5px; font-weight: bold; display: inline-block;\" href=\"https:\/\/larya.com.br\/sfh\">CONSULTAR REGRAS DO SFH \u2192<\/a><\/div>\n<h2>4. O Impacto da Taxa Selic a 15% no Mercado Imobili\u00e1rio<\/h2>\n<p>Atualmente, a <strong>Taxa Selic est\u00e1 em 15%<\/strong>. Para o comprador comum, isso parece um desincentivo. No entanto, para o investidor que deseja <strong>financiar um segundo im\u00f3vel<\/strong>, este \u00e9 o momento de negociar pre\u00e7os de venda agressivos. O custo do cr\u00e9dito subiu, mas o &#8220;spread&#8221; banc\u00e1rio est\u00e1 sendo comprimido para manter o volume de opera\u00e7\u00f5es.<\/p>\n<p>Acompanhe diariamente a evolu\u00e7\u00e3o da <a href=\"https:\/\/larya.com.br\/taxa-selic\">Taxa Selic e seu impacto no cr\u00e9dito<\/a> para n\u00e3o perder a janela de oportunidade de portabilidade futura, quando os juros come\u00e7arem a cair.<\/p>\n<h2>5. Compara\u00e7\u00e3o Completa: As Melhores Taxas para Segundo Im\u00f3vel (Dez\/2025)<\/h2>\n<p>Abaixo, apresentamos a tabela comparativa atualizada de 7 institui\u00e7\u00f5es financeiras para um financiamento de R$ 1.000.000,00 com 20% de entrada.<\/p>\n<table style=\"border-collapse: collapse; border: 1px solid #ddd; margin: 20px 0;\" border=\"1\" width=\"100%\" cellpadding=\"10\">\n<tbody>\n<tr style=\"background-color: #fe1637; color: white;\">\n<th>Institui\u00e7\u00e3o Banc\u00e1ria<\/th>\n<th>Taxa de Juros (a.a.)<\/th>\n<th>Sistema de Amortiza\u00e7\u00e3o<\/th>\n<th>Custo Efetivo Total (CET)<\/th>\n<\/tr>\n<tr>\n<td><strong>CAIXA Econ\u00f4mica<\/strong><\/td>\n<td>11,19%<\/td>\n<td>SAC<\/td>\n<td>~12,10%<\/td>\n<\/tr>\n<tr>\n<td><strong>BRB (Banco de Bras\u00edlia)<\/strong><\/td>\n<td>11,36%<\/td>\n<td>SAC<\/td>\n<td>~12,25%<\/td>\n<\/tr>\n<tr>\n<td><strong>Ita\u00fa Unibanco<\/strong><\/td>\n<td>11,60%<\/td>\n<td>SAC \/ PRICE<\/td>\n<td>~12,60%<\/td>\n<\/tr>\n<tr>\n<td><strong>Santander<\/strong><\/td>\n<td>11,69%<\/td>\n<td>SAC \/ PRICE<\/td>\n<td>~12,75%<\/td>\n<\/tr>\n<tr>\n<td><strong>Bradesco<\/strong><\/td>\n<td>11,70%<\/td>\n<td>SAC<\/td>\n<td>~12,80%<\/td>\n<\/tr>\n<tr>\n<td><strong>Banco do Brasil<\/strong><\/td>\n<td>12,00%<\/td>\n<td>SAC<\/td>\n<td>~13,10%<\/td>\n<\/tr>\n<tr>\n<td><strong>Banco INTER<\/strong><\/td>\n<td>13,76%<\/td>\n<td>PRICE<\/td>\n<td>~14,90%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Note que a CAIXA continua liderando como a op\u00e7\u00e3o mais barata, por\u00e9m, para <strong>financiar um segundo im\u00f3vel<\/strong>, bancos privados como Ita\u00fa e Santander podem oferecer maior agilidade na aprova\u00e7\u00e3o e melhores condi\u00e7\u00f5es de relacionamento global. Veja <a href=\"https:\/\/larya.com.br\/blog\/qual-banco-tem-a-menor-taxa-para-financiamento-imobiliario-em-2026\/\">qual banco tem a menor taxa em 2026<\/a>.<\/p>\n<h2>6. Math Proof: O Custo de Esperar vs. Rentabilidade do Aluguel<\/h2>\n<p>Muitos clientes perguntam: &#8220;Vale a pena <strong>financiar um segundo im\u00f3vel<\/strong> agora?&#8221;. Vamos \u00e0 simula\u00e7\u00e3o financeira (Simulation: Cost of Waiting):<\/p>\n<p>Considere um im\u00f3vel de R$ 500.000,00.<\/p>\n<p>Valoriza\u00e7\u00e3o m\u00e9dia anual esperada: 8% (R$ 40.000,00).<\/p>\n<p>Renda de aluguel anual (Yield 0.5%): R$ 30.000,00.<\/p>\n<p><strong>Ganho Total ao Investidor: R$ 70.000,00\/ano.<\/strong><\/p>\n<p>Custo do Juros (11,5% a.a. sobre saldo de R$ 400k): R$ 46.000,00 no primeiro ano.<\/p>\n<p><strong>Resultado L\u00edquido Positivo: R$ 24.000,00.<\/strong><\/p>\n<p>Se voc\u00ea esperar a Selic cair para 10% para economizar R$ 6.000,00 de juros no ano, mas o im\u00f3vel valorizar 10% nesse per\u00edodo devido \u00e0 alta demanda reprimida, voc\u00ea perdeu R$ 50.000,00 em valor de entrada. <strong>A conclus\u00e3o da LARYA Intelligence:<\/strong> O ganho patrimonial e o fluxo de caixa do aluguel superam o custo do juro nominal.<\/p>\n<h2>7. Sistemas de Amortiza\u00e7\u00e3o: SAC ou PRICE para o Segundo Im\u00f3vel?<\/h2>\n<p>A escolha entre o sistema <a href=\"https:\/\/larya.com.br\/tabela-sac-e-price-2026\">SAC ou PRICE<\/a> define o sucesso do seu investimento. No SAC (Sistema de Amortiza\u00e7\u00e3o Constante), as parcelas come\u00e7am mais altas e terminam menores. \u00c9 o ideal para quem quer pagar menos juros totais.<\/p>\n<p>J\u00e1 a Tabela PRICE possui parcelas fixas. Embora o juro total seja maior, ela permite que voc\u00ea financie um valor maior com a mesma renda, o que \u00e9 crucial se o seu objetivo ao <strong>financiar um segundo im\u00f3vel<\/strong> for a alavancagem m\u00e1xima. Recomendamos ler sobre <a href=\"https:\/\/larya.com.br\/blog\/amortizacao-sac-ou-price-quitar-antecipado\/\">amortiza\u00e7\u00e3o e quita\u00e7\u00e3o antecipada<\/a>.<\/p>\n<div style=\"text-align: center; margin: 30px 0;\"><a style=\"background-color: #25d366; color: #ffffff; padding: 18px 35px; text-decoration: none; border-radius: 50px; font-weight: bold; display: inline-block;\" href=\"https:\/\/wa.me\/5511935034854\">FALAR COM CONSULTOR NO WHATSAPP \u2192<\/a><\/div>\n<h2>8. Custos Ocultos: ITBI, Escritura e Registro<\/h2>\n<p>N\u00e3o esque\u00e7a de provisionar cerca de 4% a 5% do valor do im\u00f3vel para as taxas cartor\u00e1rias. Ao comprar o primeiro im\u00f3vel, voc\u00ea pode ter tido desconto de 50% no registro (se foi via SFH e primeira compra). No caso de <strong>financiar um segundo im\u00f3vel<\/strong>, esse benef\u00edcio n\u00e3o se aplica.<\/p>\n<p>Voc\u00ea ter\u00e1 que arcar com o valor integral do <a href=\"https:\/\/larya.com.br\/itbi\">ITBI (Imposto sobre Transmiss\u00e3o de Bens Im\u00f3veis)<\/a>, que varia conforme o munic\u00edpio (em S\u00e3o Paulo \u00e9 3%). Calcule esses custos com anteced\u00eancia para n\u00e3o desequilibrar seu fluxo de caixa.<\/p>\n<h2>Conclus\u00e3o: \u00c9 o momento de agir?<\/h2>\n<p>Sim. <strong>Financiar um segundo im\u00f3vel<\/strong> em 2026 \u00e9 uma jogada de mestre para quem foca no longo prazo. Com o novo limite de R$ 2,25 milh\u00f5es do SFH e a solidez das institui\u00e7\u00f5es brasileiras, o tijolo continua sendo o porto seguro do capital nacional.<\/p>\n<div style=\"background-color: #041f30; color: white; padding: 30px; border-radius: 10px; margin: 40px 0;\">\n<h3 style=\"color: #fe1637;\">Checklist Final para seu Segundo Financiamento:<\/h3>\n<ul>\n<li>Renda dispon\u00edvel: Parcelas somadas &lt; 30% da renda bruta.<\/li>\n<li>FGTS: Checar regra de localiza\u00e7\u00e3o geogr\u00e1fica.<\/li>\n<li>Taxa: Comparar CET entre CAIXA, Ita\u00fa e Santander.<\/li>\n<li>Documenta\u00e7\u00e3o: Comprovar renda de aluguel do primeiro im\u00f3vel.<\/li>\n<\/ul>\n<p>Precisa de ajuda na an\u00e1lise de cr\u00e9dito? A LARYA faz todo o processo burocr\u00e1tico para voc\u00ea sem custos extras.<\/p>\n<\/div>\n<h2>Perguntas Frequentes (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='financiamento-imobiliario' 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\/8288' 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-13608-vDUg8cutJq' 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-13183-1Y5LntAMAc' 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-16673-2zDCDaGbfO' 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-16679-VxTt80EJGX' 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-pOwpYQmLc5' 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-13609-ofVxjB9prO' 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-AqvPyeDoyt' 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-16684-AbofOkGF30' 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-14911-G2beJNoYOc' 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-tFAM81psnm' 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-uvoUAEtpdS' 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-16683-2S0ndAbByk' 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-16675-vBEPxwMh1Z' 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-16669-M8QXsCUfkg' 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-16682-qslHjlLLk9' 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-13607-vSA8oZF52I' 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-16680-Op31d0iCud' 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-16674-9PwVFH75Ct' 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-VQ4Dkv1EQ3' 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-16678-sK9x2jPkVu' 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-14910-70lA7p59Ac' 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-Zw07dA8yuR' 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-pEdb1mZM8Q' 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-jWW49NIImZ' 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-13601-wOlygarmkG' 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-14908-URKSyD6A0d' 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-14907-wYedzGoWSD' 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-16676-Ar51zBckUi' 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>Se voc\u00ea quer assumir um segundo financiamento imobili\u00e1rio, h\u00e1 algumas restri\u00e7\u00f5es para linhas de cr\u00e9dito. Saiba mais.<!-- 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":15665,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2513],"tags":[3685,3683,41,3684,3673,468,3686,2292,44,3670,3676,1728,3671,3610,3672,3669],"class_list":["post-8288","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiamento-imobiliario","tag-como-fazer-segunda-via-de-escritura-de-imovel","tag-como-financiar-a-compra-de-um-segundo-imovel","tag-como-financiar-um-imovel-2","tag-como-tirar-segunda-via-da-escritura-de-um-imovel","tag-como-tirar-segunda-via-de-escritura-de-imovel","tag-credito-financiamento","tag-fgts-segundo-imovel","tag-financiar-segundo-imovel","tag-minha-casa-minha-vida","tag-quanto-custa-para-tirar-segunda-via-de-escritura-de-imovel","tag-quantos-financiamento-uma-pessoa-pode-ter","tag-recurso-fgts","tag-regras-para-uso-do-fgts-na-compra-de-segundo-imovel","tag-regras-uso-fgts-segundo-imovel","tag-segunda-via-de-escritura-de-imovel","tag-segundo-imovel"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/larya.com.br\/blog\/wp-content\/uploads\/2025\/07\/casal-feliz-sorrindo-ambiente-moderno.webp","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/8288","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=8288"}],"version-history":[{"count":3,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/8288\/revisions"}],"predecessor-version":[{"id":17694,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/posts\/8288\/revisions\/17694"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media\/15665"}],"wp:attachment":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media?parent=8288"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/categories?post=8288"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/tags?post=8288"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}