{"id":13610,"date":"2024-08-14T16:36:39","date_gmt":"2024-08-14T19:36:39","guid":{"rendered":"https:\/\/www.agenteimovel.com.br\/noticias\/?post_type=ufaq&#038;p=13610"},"modified":"2025-07-07T19:40:51","modified_gmt":"2025-07-07T22:40:51","slug":"e-possivel-financiar-terreno-e-construcao","status":"publish","type":"ufaq","link":"https:\/\/larya.com.br\/blog\/ufaq\/e-possivel-financiar-terreno-e-construcao\/","title":{"rendered":"\u00c9 poss\u00edvel financiar terreno e constru\u00e7\u00e3o 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\/13610' 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-13610-KkJDFGSgVu' 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' >\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<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+&amp;]: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>&nbsp;<\/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\tCorrespondente Banc\u00e1rio, \n\t\n\t\tCr\u00e9dito Imobili\u00e1rio, \n\t\n\t\tempr\u00e9stimo financiamento, \n\t\n\t\tFinanciamento, \n\t\n\t\tfinanciamento constru\u00e7\u00e3o, \n\t\n\t\tfinanciamento terrenos, \n\t\n\t\tfinanciar terrenos, \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\/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>\n\t<\/div>\n\n\t\n<\/div>","protected":false},"excerpt":{"rendered":"<p>A \u00c9 poss\u00edvel financiar terreno e constru\u00e7\u00e3o em 2025? Category: Financiamento Imobili\u00e1rio 1. \u00c9 poss\u00edvel financiar terreno e constru\u00e7\u00e3o juntos em 2025?Sim! Em 2025, o financiamento de terreno e constru\u00e7\u00e3o 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 a compra do terreno&#8230;<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":52,"featured_media":0,"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":[2521,2522,2532,2518,2529,2530,2531,2525],"class_list":["post-13610","ufaq","type-ufaq","status-publish","hentry","ufaq-category-financiamento-imobiliario","ufaq-tag-correspondente-bancario","ufaq-tag-credito-imobiliario","ufaq-tag-emprestimo-financiamento","ufaq-tag-financiamento","ufaq-tag-financiamento-construcao","ufaq-tag-financiamento-terrenos","ufaq-tag-financiar-terrenos","ufaq-tag-mercado-imobiliario"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Descubra como funciona o financiamento que permite comprar um terreno e construir a casa em 2025. 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