Do you know what a Real Estate Financing? Do you know how it works? Or do you know what its main types are? Answering these questions may not be a very easy task for those who don't know the subject.
So if you're one of those people who simply don't have these doubts, but are also interested in getting to know and understand this subject better, know that you're in the right place. the same topic and also the same thing.
1 - Learn how real estate financing works
To understand what a Real Estate Financing and how it works, you need to understand the same information about Real Estate Financing is one of the many options you can choose from when it comes to credit, it's much easier to understand how each one works and what it means?
Well, a loan is a type of long-term investment made by a person who wants to buy something, but does not provide the exact amount for which this can be done.
For example, a Real Estate Financing does the same thing for a person who is buying a particular property.
This property can be an apartment or it can be a house or building for commercial use.
So it's very common for you to have any kind of investor to do this. This process.
From people who just want a new house or apartment to those interested in starting a business.
2 - Real Estate Financing Formats
The financing that must be carried out for the purchase of a new house or apartment can be done with the help of the following types of funds:
What many people don't know is that you can also do this directly with a construction company.
Or it may require you to contact a bank branch or even a broker. However, this choice must be made by you (the customer).
3 - See the differences between Real Estate Financing formats?
The main differences between the types of real estate financing are their characteristics:
FGTS:
- What FGTS is part of the SFH (Financial Training System);
- The value of the property and the financing have limits that can vary from time to time;
- Only people who can participate present their family income with a certain threshold that changes depending on the region of the country;
SBPE:
- There is no specific income limit;
- If the value of the property financed is within the SFH limits, your interest rate may be higher than 12%;
With the construction companies:
THE Real Estate Financing of the construction company tends to be more flexible when it comes to negotiating. There are no restrictions on loan amounts, income or interest rates. It therefore offers potential buyers some risk.
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Research source: CrediPonto
