Como navegar no financiamento imobiliário após mudanças da caixa

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A Caixa Econômica Federal fez alterações no financiamento imobiliário, afetando famílias com renda mensal entre R$ 8 mil e R$ 16 mil.

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Quem planeja comprar imóvel de R$ 350 mil a R$ 1,5 milhão precisará pagar mais à vista para conseguir o empréstimo.

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Uma alternativa é o sistema pró-cotista, que usa financiamento com recursos do FGTS e juros menores.

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Para ter acesso, é necessário contribuir para o FGTS por 36 meses, não ter imóvel em seu nome e abrir mão da portabilidade.

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Itaú, Bradesco e Santander continuam financiando até 80% do valor do imóvel. No entanto, os juros são mais altos.

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Funcionários públicos têm condições privilegiadas de financiamento no Banco do Brasil.

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Com as novas métricas, a renda mínima para financiar um imóvel de R$ 500 mil aumentou para R$ 15.638,77.

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A Caixa reduziu o valor financiável da casa própria. O teto de financiamento caiu de 80% para 70% na tabela SAC e de 70% para 50% na tabela Price.

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As mudanças não atingem o financiamento pelo programa Minha Casa, Minha Vida, para renda familiar mensal de até R$ 8 mil.

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