{"id":13183,"date":"2022-09-26T20:46:01","date_gmt":"2022-09-26T23:46:01","guid":{"rendered":"https:\/\/www.agenteimovel.com.br\/noticias\/ufaq\/como-simular-financiamento-de-1-milhao\/"},"modified":"2025-07-07T19:24:13","modified_gmt":"2025-07-07T22:24:13","slug":"como-simular-financiamento-de-1-milhao","status":"publish","type":"ufaq","link":"https:\/\/larya.com.br\/blog\/ufaq\/como-simular-financiamento-de-1-milhao\/","title":{"rendered":"Como financiar um imovel\u200b em 2025?"},"content":{"rendered":"<div  class=\"ewd-ufaq-faq-list ewd-ufaq-page-type-distinct ewd-ufaq-category-tabs-\" id='ewd-ufaq-faq-list'>\n\n\t<input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' \/>\n<input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' \/>\n<input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' \/>\n<input type='hidden' name='orderby' value='title' id='ewd-ufaq-orderby' \/>\n<input type='hidden' name='order' value='asc' id='ewd-ufaq-order' \/>\n<input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' \/>\n<input type='hidden' name='current_url' value='\/blog\/wp-json\/wp\/v2\/ufaq\/13183' 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-13183-b2F9YLTca9' 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' >\n\n\t\t\n\t\t\t<div class='ewd-ufaq-faq-categories'>\n\t\n\tCategory:\n\t\n\t\tFinanciamento Imobili\u00e1rio\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\tCorrespondente Banc\u00e1rio, \n\t\n\t\tCr\u00e9dito Imobili\u00e1rio, \n\t\n\t\tEmpr\u00e9stimo Imobili\u00e1rio, \n\t\n\t\tFinanciamento, \n\t\n\t\tFinanciamento de Im\u00f3veis, \n\t\n\t\tFinanciamento Imobili\u00e1rio, \n\t\n\t\tHipoteca, \n\t\n\t\tMercado Imobili\u00e1rio\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>\n\t<\/div>\n\n\t\n<\/div>","protected":false},"excerpt":{"rendered":"<p>A Como financiar um imovel\u200b em 2025? Category: Financiamento Imobili\u00e1rio \u200bFinanciar um im\u00f3vel no Brasil em 2025 exige aten\u00e7\u00e3o a diversos fatores econ\u00f4micos e institucionais. 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 1. Entendendo o Cen\u00e1rio Econ\u00f4mico&#8230;<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":52,"comment_status":"open","ping_status":"closed","template":"","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":""},"ufaq-category":[2506],"ufaq-tag":[2521,2522,2523,2518,2519,2520,2524,2525],"class_list":["post-13183","ufaq","type-ufaq","status-publish","hentry","ufaq-category-financiamento-imobiliario","ufaq-tag-correspondente-bancario","ufaq-tag-credito-imobiliario","ufaq-tag-emprestimo-imobiliario","ufaq-tag-financiamento","ufaq-tag-financiamento-de-imoveis","ufaq-tag-financiamento-imobiliario","ufaq-tag-hipoteca","ufaq-tag-mercado-imobiliario"],"aioseo_notices":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/ufaq\/13183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/ufaq"}],"about":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/types\/ufaq"}],"author":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/users\/52"}],"replies":[{"embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/comments?post=13183"}],"wp:attachment":[{"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/media?parent=13183"}],"wp:term":[{"taxonomy":"ufaq-category","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/ufaq-category?post=13183"},{"taxonomy":"ufaq-tag","embeddable":true,"href":"https:\/\/larya.com.br\/blog\/wp-json\/wp\/v2\/ufaq-tag?post=13183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}