How much does it cost to build a house? See the investment required!

How much does it cost to build a house? That's the first question that comes to mind when you think about building, right?

Well, having a property customized for your family and just the way you always wanted is not an easy task.

Since it requires planning and especially a budget that is not too low.

We can observe this difficulty in countless people who begin the process of building a house, but have to stop halfway.

However, this can happen for several reasons, but the main one is not knowing how much it costs to build a house.  

Therefore, it is important that you know exactly what steps are involved in this process and, especially, that you know the service providers involved in your project.

Therefore, building a house becomes a slightly simpler task when you start with good financial planning.

How important is planning when building a house?

We know that building a house from scratch is not an easy task, however, it can be quite challenging.

It is necessary to take into account several factors ranging from location to budget.

This way, it will be much easier to build a house within your means and in the way you've always dreamed.

Therefore, the secret is to take care of each stage in a unique way, understand what is a priority and know how to deal with unforeseen events.

How to plan to build a house?

The first thing you should do when planning to build a house is research the costs.

For example, evaluating labor costs and whether it is more worthwhile to hire an individual bricklayer or a construction company.

However, labor is just one of the items that should be part of your planning.

Therefore, we will list the main factors that will help you know how much it costs to build a house.

What influences the cost of building a house?

It's normal to think that the bigger the house, the higher the cost.

However, this is not always true, as other factors may be involved, such as architecture, type of terrain, finish, among others.

So, continue reading and understand the main points that influence when planning to build a house.

House standard

The standard of finishing of the house is one of the factors that most influences the final cost, as there is a wide variety of materials and services.

Therefore, a popular standard house will cost much less than a high-end house.

In this way, some materials can vary by up to 1000%, making the budget very variable from one house to another, such as:

• Coating: Ceramic or porcelain;
• Wall finishing: Only plaster, putty or acrylic;
• Ceiling: Unvarnished ceramic, paint, types of tiles, among others;
• Fixtures and accessories: Bathroom, kitchen, sinks, taps, showers and so on.

It is worth remembering that the cost of installing the components can also greatly influence the price, as prices can vary depending on the material.

Architecture

Architecture is directly linked to the standard of the house, as a house with a bathroom, living room, kitchen and bedrooms will have a very different architecture than one with 4 or more bedrooms, a swimming pool, sauna, office, among others.

In this case, we can think that it is not just the size of the house, but also the details of its architecture that can directly influence the cost of building a house.

Land

Another very important factor when building a house is the type of land.

Therefore, values can vary significantly depending on the terrain on which the house will be built, whether it is flat, steep, sloping or very uneven.

This point greatly influences the construction value, as more investment will be required to align the land and foundation, as well as the garage and access points.

Therefore, to know how much it costs to build a house, it is ideal that you first have in mind everything you want for your home and, above all, have the support of a professional.

Qualified workforce

One of the most important factors in building a house, which can vary greatly in price, is labor.

Therefore, it is ideal that you analyze and make quotes with several professionals in the area and preferably that they are recommendations.

Or if that's the case and it fits your budget, it's even worth hiring a contractor to build your house.

How do you know how much it costs to build a house?

As mentioned above, building a house can present many variations in terms of values related to countless possibilities.

Therefore, we can present an average value of R$ 217 thousand for a house with an area of 95.2m².

But it is important to remember that this value is not fixed for this area and is not a rule, because as we have already mentioned, there are numerous variables that can change this value up or down.

However, some tips can help you avoid headaches and know how much it costs to build a house.

Follow the reading:

Hire an estimator

There are companies and professionals who specialize in preparing quotes for home construction.

However, it is ideal that you search in your region, as the value of the service charged may vary depending on the location.

Hire an engineer or architect before building a house

Building a house without a specialized professional is not only dangerous but can also significantly increase your costs.

Therefore, what you think is a saving by dispensing with this service may just be postponing a larger expense.

Having a specialist in charge of your construction saves time and money.

Seek help from reliable websites

There are a few possibilities to give you an idea of how much it costs to build a house.

For example, CUB/m² which offers a table of average prices according to the regions.

However, while it's a good reference tool, it won't give you an actual cost estimate, but rather an average value.

This way, you will be able to get a good idea of how much it costs to build a house.

Make a spreadsheet with cost forecast

In addition to having a basis for how much it costs to build a house, it's important to be organized in relation to that value.

Therefore, it is important to create a spreadsheet where you can distribute all construction-related costs.

This way you can access the values and distribute them according to the necessary priority.

Plan for extra expenses when building a house

Even if you hire good professionals and get a good idea of how much it costs to build a house, it's always important to be prepared for the unexpected.

For example, any changes that may occur during construction, or even costs such as moving, purchasing furniture or decoration.

Documentation

It's important to remember that among the construction costs, you'll also need to invest money in notary and documentation costs.

These documents may change depending on the region, but they are basically construction permits, installation licenses, housing certificates and licenses, property titles, among others.

How to make a real estate installment plan?

Now that you've discovered everything you need to know how much it costs to build a house, all that's left is a budget.

Therefore, we'll give you some tips on financial institutions that offer real estate financing options.

This way, you will be one step closer to realizing your dream of owning your own home.

Caixa property financing

Caixa offers a housing credit line with up to 35 years to pay.

This way, financing can be up to 30% of your gross family income and you can still use your FGTS as part of the payment.

And you can even run an online simulation to find out the installment amount, terms, and other conditions.

Santander Real Estate Financing

Real estate financing Santander offers rates starting at 10.99% per year + TR.

You can also use your FGTS as part of the payment and pay in up to 35 years.

Credit analysis is done immediately and simulations can be done online.

And you can still add to your income with one more person in the family or not.

So, check out the benefits and run a simulation.

Itaú real estate financing

Itaú real estate financing offers up to 35 years to pay and a down payment starting from 10% of the property value.

Hiring is online and you receive a response to the analysis within an hour.

You can also use your FGTS to deduct the down payment or the amount during the contract.

Itaú also offers the “skip installment” system, with which you can skip up to 2 consecutive installments of your financing per year, which can be re-contracted every 12 months.

Conclusion

Knowing how much it costs to build a house can be a challenging task, but with our tips, you'll get a good idea of your expenses.

Therefore, be sure to organize your finances before starting to build your home, make budgets, simulations and always look for good professionals.

This way you will be able to build your house without unpleasant surprises and with less headache.

And don't forget to simulate real estate financing possibilities, to get a little help when financing your property.