quarta-feira, 23 de junho de 2010

Financiamento Caixa Economica Federal

Uma das etapas da compra de um ap é o financiamento de parte do valor (a não ser que você seja um $ortudo com uma bolada no bolso).
No nosso caso, já pagamos o ATO, agora dia 30 pagamos mais um reforço, seguido de mais dois: um em dezembro 2010 e outro em dezembro 2011. Paralelo a isso, temos 30 parcelas iguais pagas diretamente a construtora. O restante do valor, será financiado.
No final das contas, nosso financiamento será equivalente a 57% do valor total do apartamento.

A Caixa Economica Federal hoje é a melhor opção para quem pretende adquirir um imóvel:
1. Juros reais de 9,5% ano, aproximadamente;
2. 30 anos pra pagar e parcelas decrescentes. Ou seja, a primeira parcela será de R$1.700,00. A última será de aproximadamente R$400,00 (exemplo);
3. Uso do FGTS;
4. ITBI de 0,5% para imóveis financiados;
5. Além de descontos em outros serviços vinculados (diminui taxa de cheque especial, cartão de rédito, movimentação de conta, juros para outros financiamentos, etc etc etc)

A questão é que, tamanhas são as vantagens oferecidas pela Caixa Economica Federal e tamanha é a demanda por novos financiamentos, que a CEF esta precisando remanejar seus recursos.
Uma matéria hoje em Zero Hora explica bem a situação. (leia aqui)

"Nos primeiros cinco meses de 2010, o montante liberado no Estado foi 72% superior ao do mesmo período do ano passado."

É importante ficar atento, pois o prazo que antes era de 15 dias, agora ultrapassa um mês e tende a aumentar. A reportagem descreve casos de atrasos de mais de 90 dias, que culminaram em multa e constrangimento dos compradores.


"Até o final do ano, a Caixa projeta uma execução orçamentária próxima de R$ 4 bilhões no Estado, incluindo todas as linhas de financiamento."

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