Caixa Real Estate Financing – Apply Now

With Caixa Real Estate Financing, you have the freedom to buy a new or used apartment or house.

Plus, you have the freedom to choose the ideal line of credit for you.

Continue reading and find out more details.

How it works

First of all, know that when you finance your property with this bank, you can enjoy a repayment term of up to 35 years.

This way, the bank evaluates the property and the payment conditions.

As a result, depending on the financing method, you can choose to have a grace period before beginning to repay the outstanding balance.

Therefore, during the period, you only pay the administration fee for the monthly Caixa Real Estate Financing contract, if the contract is signed through the SFH (financial system of qualification).

Additionally, it is essential to pay MIP and DFI insurance premiums.

This means that monetary adjustments, interest and amortization are suspended during the grace period and are incorporated into the outstanding balance of the contract.

But, be careful because the financing installment cannot compromise more than 30% of your gross family income.

And an interesting benefit worth mentioning would be the use of FGTS as part of the payment.

This type of credit is guaranteed by fiduciary alienation.

Therefore, the property acts as collateral for Caixa real estate financing.

In this case, there is the possibility of using the FGTS to amortize and pay part of the installments in the construction modality.

And in renovation operations, you can use the balance for amortization, settlement and/or payment of part of the installment amount.

However, we recommend that you pay attention to the conditions because one of them is that you must have at least 3 years of formal employment.

Rates Caixa Real Estate Financing

Some fees are charged such as assessment which serves to verify the housing unit.

The work is carried out by a qualified Caixa professional to identify the value of the property and its viability as collateral for the transaction.

Likewise, we should talk about the tariff of revaluation or monitoring of the work (inspection).

At the same time, there is the contract administration fee focused on the maintenance and administration of the contract.

It is charged monthly in the installment and is only mandatory in transactions involving properties classified as SFH.

It is also important to be aware that if the service is provided, the amount charged will not be refunded, even if the contract is cancelled.

How to apply for Caixa real estate financing

Click the button below and start the simulation process:

Therefore, decide whether you want to apply as an individual or a legal entity.

Then choose the type of financing (residential, commercial or rural property).

Also, select whether the property is new or used and its approximate value, in addition to the city in which it is located.

Therefore, the company needs to know data such as CPF, cell phone number, monthly gross family income and date of birth.

In fact, it is important to check the options if any of them apply to you:

• Would you like to have a relationship with the bank?
• More than one buyer or dependent on Caixa Real Estate Financing?
• Have you worked for 3 years under the FGTS regime, adding up all the periods worked?
• Do you allow Caixa to collect and store your personal data, send notifications, and agree to the privacy policy?

This way, you will find out the installment amount, term, and other conditions for financing your property.

Therefore, the next step is to present your documents to the manager at a physical branch or to one of the bank correspondents.

At this point, the bank identifies the possibility of using the FGTS and the type of Caixa real estate financing that is ideal for your case.

Next, the property is analyzed to verify the sales value and conditions of use.

Once everything is in order, visit a branch to sign the contract. Also, register the contract at the property registry to release the credit.

As a result, you simply pay the monthly installments, either by direct debit or by printing the bills through the Habitação Caixa app or website.

Required documents

For individuals, you must have an updated proof of income, issued no more than 2 months ago.

As well as the official identification document.

Therefore, if you have any questions about Caixa Real Estate Financing, contact the bank.