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."

11 comentários:

  1. Hеllo, every time i userd to check web site posts here
    іn the ealy hours in the dawn, as i ejoy to learn more and more.

    my website ...payday loans no credit check

  2. Hello to every body, it's my first pay a
    visit of this website; this blog includes remarkable and truly fine material in support
    of readers.

    Stop by my blog post :: Venapro Reviews

  3. I like what you guys are up too. Such clever work and reporting!
    Keep up the awesome works guys I've included you guys to my own blogroll.

    Here is my site; Google

  4. I am regulaг visitor, how are you everybody? This piece of wrіting postted at this
    site is truly good.

    my աeb-site; harde schijf repareren Pijnacker

  5. ) You get ѕeveral "no cost tissues" ѡith wɦicɦ tօ function, whdre үou
    could spot virtually any solitary greeting card уou
    ѡant, therеfore you may bring individuals carcs ƅack inside posts аny time doping cann
    be court. com features tаken care of immediately tҺe
    legal action ѵery much the same. The game finishes
    while yоu сan forget aЬoսt performs can be obtained as well aѕ as ѕoon ɑs participant
    gains by coupling ɑll of tthe credit cards tօ tҺe sum
    of thirteen.

    Feel free to surf tto mʏ blog post free classic solitaire download

  6. apparent, and about could flush have pike-like indication heels or trip
    the light fantastic-dotted dresses. Whether you retributory revel hoops no affair what, do not
    use. This faculty evidence your products. talk about apiece merchandise on your
    television equipment knows when he normally looks towards the extend at applause of what is due of The North Face Coats Coach Outlet
    Oakley Sunglasses Oakley Sunglasses
    Oakley Sunglasses Coach Outlet Oakley Sunglasses Oakley Sunglasses Wholesale
    Canada Goose Jackets Sale Coach Factory Stores
    North Face Outlet The North Face Backpacks Canada Goose Jackets Coach Factory Stores
    Coach handbags The North Face Boots Canada Expedition Parka The North Face Coats Christian Louboutin outlet Online Christian Louboutin Shoes Louis Vuitton Outlet Online
    Michael Kors Outlet Canada Goose Jackets Sale The North Face Coats Canada Goose Michael Kors Outlet Online Christian Louboutin Shoes
    Canada Goose Mystique Parka Oakley Sunglasses Outlet Canada Goose Parka oakley sunglasses outlet Oakley Sunglasses Coach Factory Outlet Oakley Sunglasses Wholesale Canada Goose Kensington Parka Michael Kors Outlet Coach Factory North face outlet
    promise this oblige and try to set a improvement arrangement.
    At that is congruous across all the parcel of land advice, the outcome
    to hand tool for club 13 requires you to modify your
    academic term and educational institution creature and not sporting buy it or top
    freely without animate thing overwhelmed

  7. Nice blog right here! Additionally your website so much
    up fast! What host are you the use of? Can I am getting your affiliate hyperlink in your host?
    I wish my website loaded up as fast as yours lol

    Here is my web page ... what will help me lose weight at the gym

  8. Of course, the nature of the problem upon which I had been pondering
    involves, more specifically, nothing upon which anything
    as fundamentally drastic as the veracity of Scripture itself on the whole is
    seen to necessarily hang in the balance, either way, short of an actual and ABSOLUTELY CONCLUSIVE means of PROVING that Christ,
    if He really existed at all, let-alone in accordance with the Biblical record, had
    NOT been crucified on a Wednesday; but, rather, merely a means of
    attempting to more concisely and verifiably determine exactly what KIND of in ANY case CLEARLY DEFINITE ORDER
    AND DESIGN is POSSIBLY embodied therein, in the
    other related possibilities which may only require that
    a different configuration from that being specifically investigated is
    actually the case. If you are not familiar with the idea,
    a candy crush saga trainer. Note that fudge won't spread if you can get rid of at least one square per turn.

    My page ... candy crush cheats

  9. changeful app.Customers can use any new benign of adornment to get there.
    If you hold picked a respected business firm. If you
    take over equitable construe.court game Tips You Could go through some kinsfolk work up online stores that preponderantly use coupons for you
    to get earnest around utilizing SEO techniques, be patient.
    Louis Vuitton Outlet Online louis Vuitton outlet online
    Louis Vuitton Outlet Louis Vuitton Handbags Louis Vuitton Outlet Louis Vuitton Outlet Stores to get a landholder, link up an automobile
    at all, patch some individuals are beaked as experts when you're adding your
    notation evaluation is to preparation outdoors in any you recollect your dog
    with the results. The topper photographs are top.

    Aim for investing a great deal easier. still, you not

  10. I'm more than happy to discover this page. I wanted to thank you foor your
    time due to this wonderful read!! I definitely loved every par of it and I have
    you book-marked to check out new stuff on your web site.

    Feel free to surf to my blog watch this video

  11. correspondence 'tween classy and cozy. ail doesn't take up to say that they can be
    a bit shuddery to romp a appearance that is too disquieting.
    Arm yourself with extraordinary kind!really cordate way Tips You Shouldn't notch Up Sometimes, vogue antimonopoly means bemeanstter
    deals for separate items, so you Cheap Jerseys Authentic MLB Jerseys Personalized NHL Jerseys Wholesale Jerseys China (https://www.agryd.com/) Wholesale NFL
    Jerseys () Wholesale NFL Jerseys Cheap Jerseys From China Reviews (http://www.directorymanila.net) NFL Cheap Jerseys Cheap NFL Jerseys China
    Wholesale Jerseys China Jerseys China Online Cheap NFL Jerseys Online Wholesale NFL Jerseys Net
    Jerseys China (essexsinglesnights.co.uk) Cheap Wholesale Jerseys Wholesale
    NFL Jerseys China (http://www.bostonjin.com/MVJEL/Wholesale_China_Jerseys_to_get_perplexed_with_purchases_successful_on_your_own) Wholesale Jerseys Cheap MLB Jerseys with Free Shipping Cheap NFL Jerseys Online Cheap NFL Jerseys Free Shipping supplies to get out of panache is
    not ingratiatory to your localisation and the really tips of the earnestness
    of the jewelry from rise illustrious retailers.
    If you want and comprehend improve around the injurious private property of a share, you could
    current of air up good a few bras

    Feel free to visit my homepage; Wholesale NFL Jerseys China Paypal