{"id":7217,"date":"2021-06-22T18:13:20","date_gmt":"2021-06-22T21:13:20","guid":{"rendered":"https:\/\/luxuryhomefloripa.com\/?p=7217"},"modified":"2023-04-21T12:44:37","modified_gmt":"2023-04-21T15:44:37","slug":"modalidades-de-financiamento","status":"publish","type":"post","link":"https:\/\/luxuryhomefloripa.com.br\/fr\/modalidades-de-financiamento\/","title":{"rendered":"Types de financement immobilier"},"content":{"rendered":"<p>Types de financement immobilier\u00a0: <span style=\"font-weight: 400;\">La semaine derni\u00e8re, nous avons eu une session en direct tr\u00e8s sp\u00e9ciale avec Rafael Bier de Competence Cred, qui travaille sur le march\u00e9 depuis 12 ans.<\/span><\/p>\n\n\n\n<p>Initialement, <span style=\"font-weight: 400;\">Avec un march\u00e9 immobilier en pleine effervescence et compte tenu des conditions actuelles, le financement est devenu une bonne alternative pour l&#039;achat d&#039;un bien immobilier, que ce soit pour un usage personnel ou \u00e0 titre d&#039;investissement.<\/span>.<\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Avec la baisse des taux d&#039;int\u00e9r\u00eat, la diminution du taux SELIC, notamment pour le financement hypoth\u00e9caire, est devenue une excellente alternative. Par cons\u00e9quent, nous vivons actuellement la p\u00e9riode la plus favorable jamais connue dans le pays pour le financement immobilier.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Nombreuses sont les personnes qui h\u00e9sitent encore \u00e0 acheter un bien immobilier \u00e0 cr\u00e9dit plut\u00f4t que de le louer.<\/span>.<span style=\"font-weight: 400;\"> <\/span>Selon <span style=\"font-weight: 400;\">Rafael nous a expliqu\u00e9<\/span>,<span style=\"font-weight: 400;\"> Cela peut logiquement varier en fonction de la valeur des biens immobiliers et des co\u00fbts de location d&#039;une ville \u00e0 l&#039;autre.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">N<\/span>Cependant,<span style=\"font-weight: 400;\"> dans une ville comme Florian\u00f3polis o\u00f9 le march\u00e9 est en plein essor<\/span>.<span style=\"font-weight: 400;\"> Avec la hausse constante des prix de l&#039;immobilier, les loyers sont \u00e9lev\u00e9s. Sans aucun doute, l&#039;achat d&#039;un bien immobilier est la meilleure solution.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-como-fazer-o-calculo-para-as-modalidades-de-financiamento\">Comment calculer les options de financement<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Concernant l&#039;apport initial, il est entendu qu&#039;il doit repr\u00e9senter au moins 201\u00a0000\u00a0$ de la valeur du bien. Le montant du financement accord\u00e9 par la banque d\u00e9pendra de vos revenus.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Pour chaque tranche de 100\u00a0000 rands (R$) que vous souhaitez financer, vous devez justifier d&#039;un revenu moyen de 3\u00a0500 rands (R$). Autrement dit, si vous souhaitez acqu\u00e9rir un bien d&#039;une valeur de 500\u00a0000 rands (R$), vous devez multiplier ce revenu par 5 pour conna\u00eetre le montant \u00e0 justifier afin d&#039;obtenir l&#039;accord de la banque. Bien entendu, les conditions varient d&#039;un \u00e9tablissement \u00e0 l&#039;autre.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Nous avons \u00e9galement clarifi\u00e9 la question de la justification de ces revenus\u00a0; chaque situation est analys\u00e9e individuellement, selon les modalit\u00e9s propres \u00e0 chaque \u00e9tablissement bancaire.<\/span>.<span style=\"font-weight: 400;\"> S<\/span>Donc, <span style=\"font-weight: 400;\">Certaines entreprises plus conservatrices ne prennent en compte que les revenus d\u00e9clar\u00e9s sur les d\u00e9clarations de revenus.<\/span>. Ainsi que,<span style=\"font-weight: 400;\"> autre<\/span>a<span style=\"font-weight: 400;\">Ils \u00e9valuent les transactions bancaires et<\/span> <span style=\"font-weight: 400;\">entre autres exigences de <\/span>CPF<span style=\"font-weight: 400;\"> et C<\/span>NPJ<span style=\"font-weight: 400;\"> en question.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Nous \u00e9voluons actuellement dans un contexte de march\u00e9 plus souple concernant cette preuve de revenus, ce qui favorise \u00e9galement l&#039;acquisition de biens immobiliers financ\u00e9s.<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/luxuryhomefloripa.com\/wp-content\/uploads\/2021\/06\/Design-sem-nome-24.png\"><img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"600\" sizes=\"(max-width: 800px) 100vw, 800px\" src=\"https:\/\/luxuryhomefloripa.com\/wp-content\/uploads\/2021\/06\/Design-sem-nome-24.png\" alt=\"Modalidades de financiamento imobili\u00e1rio\" class=\"wp-image-7218\" srcset=\"https:\/\/luxuryhomefloripa.com.br\/wp-content\/uploads\/2021\/06\/Design-sem-nome-24.png 800w, https:\/\/luxuryhomefloripa.com.br\/wp-content\/uploads\/2021\/06\/Design-sem-nome-24-300x225.png 300w, https:\/\/luxuryhomefloripa.com.br\/wp-content\/uploads\/2021\/06\/Design-sem-nome-24-768x576.png 768w\" \/><\/a><figcaption class=\"wp-element-caption\">Types de financement immobilier<\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-weight: 400;\">Pour les r\u00e9sidents hors du Br\u00e9sil, plusieurs solutions de financement existent, chaque cas \u00e9tant \u00e9valu\u00e9 par l&#039;\u00e9tablissement choisi dans le pays.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Le processus et le d\u00e9lai d&#039;approbation du financement prennent en moyenne de 20 \u00e0 40 jours pour la signature du contrat, et d\u00e9pendent de la soumission en temps voulu des documents corrects par les deux parties.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Une question tr\u00e8s pertinente concerne la possibilit\u00e9 de vendre le bien pendant la p\u00e9riode de financement, et Rafael nous a expliqu\u00e9 que le financement peut \u00eatre rembours\u00e9 \u00e0 tout moment, donc oui, nous pouvons vendre le bien.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FGTS et options de financement<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Un autre sujet abord\u00e9 concernait le recours au FGTS (Fonds br\u00e9silien d&#039;indemnisation des employ\u00e9s en cas de licenciement). Il est n\u00e9cessaire de remplir certaines conditions, notamment que le bien soit destin\u00e9 \u00e0 un usage d&#039;habitation. Vous devez prouver que vous r\u00e9siderez \u00e0 cette adresse.<\/span> Juste apr\u00e8s <span style=\"font-weight: 400;\">Le montant du FGTS (fonds br\u00e9silien d&#039;indemnit\u00e9s de d\u00e9part des employ\u00e9s) peut \u00eatre utilis\u00e9 pour compenser, par exemple, l&#039;acompte ou une partie de celui-ci, d&#039;un pr\u00eat.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Nous avons clarifi\u00e9 la possibilit\u00e9 de contracter plusieurs pr\u00eats en fonction des revenus, et comment cela peut se faire et \u00eatre prouv\u00e9.<\/span>.<span style=\"font-weight: 400;\"> <\/span>De cette fa\u00e7on,<span style=\"font-weight: 400;\"> le financement est<\/span> \u00e9galement utilis\u00e9 \u00e0 des fins d&#039;investissement et pas seulement comme forme <span style=\"font-weight: 400;\">exclusif<\/span>a<span style=\"font-weight: 400;\"> pour le logement. Toutefois, il est bien s\u00fbr possible d&#039;avoir plusieurs pr\u00eats hypoth\u00e9caires, la situation de chaque personne \u00e9tant analys\u00e9e individuellement.<\/span><\/p>\n\n\n\n<p>Autrement dit, <span style=\"font-weight: 400;\">Vous pouvez contracter autant de pr\u00eats que vos revenus le permettent.\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">En bref, avec un march\u00e9 aussi dynamique,<\/span> <span style=\"font-weight: 400;\">Compte tenu de la valeur croissante de Florian\u00f3polis, financer et acheter un bien immobilier repr\u00e9sente actuellement le meilleur investissement.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Options de financement immobilier\u00a0: La semaine derni\u00e8re, nous avons organis\u00e9 une session en direct exceptionnelle avec Rafael Bier de Competence Cred, qui travaille sur le march\u00e9 depuis 12\u00a0ans. Dans un contexte de forte demande et de conditions actuelles, le financement est devenu une solution int\u00e9ressante pour l\u2019acquisition d\u2019un bien immobilier, que ce soit pour y vivre ou pour investir.<\/p>","protected":false},"author":10,"featured_media":7218,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_daextam_enable_autolinks":"","footnotes":""},"categories":[246],"tags":[],"class_list":["post-7217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.0 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Modalidades de financiamento imobili\u00e1rio<\/title>\n<meta name=\"description\" content=\"Modalidades de financiamento imobili\u00e1rio: Uma live super especial com Rafael Bier da Competence Cred que j\u00e1 atua h\u00e1 12 anos no mercado\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/luxuryhomefloripa.com.br\/fr\/modalidades-de-financiamento\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Modalidades de financiamento imobili\u00e1rio\" \/>\n<meta property=\"og:description\" content=\"Imobili\u00e1ria com Im\u00f3veis de alto padr\u00e3o \u00e0 venda em Florian\u00f3polis. 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