



{"id":8260,"date":"2023-02-13T13:08:01","date_gmt":"2023-02-13T16:08:01","guid":{"rendered":"https:\/\/www.casasalea.com\/blog\/?p=8260"},"modified":"2023-02-13T13:08:01","modified_gmt":"2023-02-13T16:08:01","slug":"como-comprar-uma-casa-em-condominio","status":"publish","type":"post","link":"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/","title":{"rendered":"Como comprar uma casa em condom\u00ednio"},"content":{"rendered":"<p><span data-contrast=\"auto\">A compra da casa pr\u00f3pria \u00e9 o sonho de muitos brasileiros, por\u00e9m esse processo pode gerar muitas d\u00favidas. Ent\u00e3o, para voc\u00ea quer conquistar a casa pr\u00f3pria ainda neste ano e n\u00e3o sabe ainda como comprar uma casa em condom\u00ednio, preparamos este conte\u00fado completo.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-contrast=\"auto\">Afinal de contas, voc\u00ea precisa saber tudo para comprar sua casa dos sonhos com seguran\u00e7a. Confira!<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Como_comprar_uma_casa_em_condominio_4_formas_de_conquistar_a_casa_propria\" title=\"Como comprar uma casa em condom\u00ednio? 4\u00a0formas de conquistar a casa pr\u00f3pria\u00a0\">Como comprar uma casa em condom\u00ednio? 4\u00a0formas de conquistar a casa pr\u00f3pria\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Financiamento_imobiliario\" title=\"Financiamento imobili\u00e1rio\u00a0\">Financiamento imobili\u00e1rio\u00a0<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Tipos_de_financiamento_imobiliario\" title=\"Tipos de financiamento imobili\u00e1rio\u00a0\">Tipos de financiamento imobili\u00e1rio\u00a0<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#SFH_%E2%80%93_Sistema_Financeiro_de_Habitacao\" title=\"SFH \u2013 Sistema Financeiro de Habita\u00e7\u00e3o\u00a0\">SFH \u2013 Sistema Financeiro de Habita\u00e7\u00e3o\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#SFI_%E2%80%93_Sistema_de_Financiamento_Imobiliario\" title=\"SFI \u2013 Sistema de Financiamento Imobili\u00e1rio\">SFI \u2013 Sistema de Financiamento Imobili\u00e1rio<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Programa_Casa_Verde_e_Amarela_Minha_Casa_Minha_Vida\" title=\"Programa Casa Verde e Amarela (Minha Casa Minha Vida)\u00a0\">Programa Casa Verde e Amarela (Minha Casa Minha Vida)\u00a0<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Quem_pode_participar_do_Casa_Verde_e_Amarela_Minha_Casa_Minha_Vida\" title=\"Quem pode participar do Casa Verde e Amarela (Minha Casa Minha Vida)?\">Quem pode participar do Casa Verde e Amarela (Minha Casa Minha Vida)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Como_usar_o_FGTS_para_comprar_uma_casa\" title=\"Como usar o FGTS para comprar uma casa?\">Como usar o FGTS para comprar uma casa?<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Para_o_comprador\" title=\"Para o comprador\u00a0\">Para o comprador\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Para_o_imovel\" title=\"Para o im\u00f3vel\u00a0\">Para o im\u00f3vel\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Consorcio_imobiliario\" title=\"Cons\u00f3rcio imobili\u00e1rio\u00a0\">Cons\u00f3rcio imobili\u00e1rio\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Comprar_casa_a_vista\" title=\"Comprar casa \u00e0 vista\u00a0\">Comprar casa \u00e0 vista\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Como_escolher_o_imovel_ideal\" title=\"Como escolher o im\u00f3vel ideal?\u00a0\">Como escolher o im\u00f3vel ideal?\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Localizacao_do_imovel\" title=\"Localiza\u00e7\u00e3o do im\u00f3vel\u00a0\">Localiza\u00e7\u00e3o do im\u00f3vel\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Possibilidades_financeiras\" title=\"Possibilidades financeiras\u00a0\">Possibilidades financeiras\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Necessidades_de_todos\" title=\"Necessidades de todos \u00a0\">Necessidades de todos \u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#Condicoes_do_imovel\" title=\"Condi\u00e7\u00f5es do im\u00f3vel\u00a0\">Condi\u00e7\u00f5es do im\u00f3vel\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#6_dicas_de_como_comprar_uma_casa_sem_ter_dinheiro_guardado\" title=\"6\u00a0dicas de como comprar uma casa sem ter dinheiro guardado\u00a0\">6\u00a0dicas de como comprar uma casa sem ter dinheiro guardado\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#1_%E2%80%93_Faca_um_planejamento_financeiro\" title=\"1 \u2013 Fa\u00e7a um planejamento financeiro\u00a0\">1 \u2013 Fa\u00e7a um planejamento financeiro\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#2_%E2%80%93_Elimine_suas_dividas\" title=\"2 \u2013 Elimine suas d\u00edvidas\u00a0\">2 \u2013 Elimine suas d\u00edvidas\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#3-_Poupe_o_valor_de_entrada_20_do_valor_da_casa_que_voce_quer_comprar\" title=\"3- Poupe o valor de entrada, 20% do valor da casa que voc\u00ea quer comprar\u00a0\">3- Poupe o valor de entrada, 20% do valor da casa que voc\u00ea quer comprar\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#4_%E2%80%93_Guarde_dinheiro_para_a_escritura_e_os_documentos_de_cartorio\" title=\"4\u00a0\u2013 Guarde dinheiro para a escritura e os documentos de cart\u00f3rio \u00a0\">4\u00a0\u2013 Guarde dinheiro para a escritura e os documentos de cart\u00f3rio \u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#5_%E2%80%93_Faca_uma_renda_extra\" title=\"5 &#8211; Fa\u00e7a uma renda extra\u00a0\">5 &#8211; Fa\u00e7a uma renda extra\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#6_%E2%80%93_Comece_a_investir\" title=\"6 &#8211; Comece a investir\u00a0\">6 &#8211; Comece a investir\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-comprar-uma-casa-em-condominio\/#_Conheca_a_Alea\" title=\"\u00a0Conhe\u00e7a a Alea\u00a0\">\u00a0Conhe\u00e7a a Alea\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Como_comprar_uma_casa_em_condominio_4_formas_de_conquistar_a_casa_propria\"><\/span><span data-contrast=\"none\">Como comprar uma casa em condom\u00ednio? 4\u00a0formas de conquistar a casa pr\u00f3pria<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Para come\u00e7ar, voc\u00ea precisa pesquisar bem antes de comprar a casa pr\u00f3pria. Pois, quem n\u00e3o quer praticidade de morar em um local seguro, com acabamentos de excelente qualidade e op\u00e7\u00f5es de \u00e1rea de lazer pr\u00f3ximo do novo lar? <\/span><span data-contrast=\"auto\">Ent\u00e3o, separamos quatro formas para ajudar voc\u00ea a conquistar sua casa pr\u00f3pria em condom\u00ednio. Acompanhe!<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Financiamento_imobiliario\"><\/span><span data-contrast=\"none\">Financiamento imobili\u00e1rio<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-5756 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2021\/11\/financiamento-com-composicao-de-renda.jpg\" alt=\"Como funciona o financiamento imobili\u00e1rio | Foto de um casal assinando contrato de financiamento | Como comprar uma casa | Blog Alea\" width=\"800\" height=\"508\" \/><\/p>\n<p><span data-contrast=\"none\">De in\u00edcio, seja para comprar uma casa na planta ou um im\u00f3vel j\u00e1 pronto, o <a href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/financiamento-imobiliario\/\">financiamento imobili\u00e1rio<\/a> \u00e9 a forma mais conhecida para a compra de bens de alto valor. Isso porque, no financiamento voc\u00ea pode parcelar o pagamento dessa d\u00edvida em m\u00e9dio e longo prazo, com acr\u00e9scimo de taxas de juros e outros encargos. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">De modo geral, o financiamento de im\u00f3veis \u00e9 feito por um banco da sua escolha que paga o valor da casa e parcela a d\u00edvida em v\u00e1rias presta\u00e7\u00f5es. Assim, o im\u00f3vel pertence ao banco at\u00e9 voc\u00ea quitar a d\u00edvida do financiamento.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-contrast=\"none\">Ali\u00e1s, a vantagem de escolher o financiamento \u00e9 que voc\u00ea recebe o im\u00f3vel de imediato. Ou seja, com a aprova\u00e7\u00e3o do financiamento, voc\u00ea pode comprar a casa em condom\u00ednio que deseja e j\u00e1 pode morar nela.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Por\u00e9m, existem alguns tipos de financiamento com caracter\u00edsticas diferentes, mas que tem o mesmo objetivo, facilitar a compra da casa pr\u00f3pria. A seguir, confira quais os financiamentos de im\u00f3veis dispon\u00edveis no mercado.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h4 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Tipos_de_financiamento_imobiliario\"><\/span><span data-contrast=\"none\">Tipos de financiamento imobili\u00e1rio<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-8278 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/calcular.jpg\" alt=\"Quais s\u00e3o os tipos de financiamento imobili\u00e1rio | Foto de uma mulher calculando as contas | Blog Alea\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/calcular.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/calcular-300x200.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/calcular-768x512.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/calcular-150x100.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"none\">Antes de mais nada, o <a href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/financiamento-imobiliario\/\">financiamento de im\u00f3veis<\/a> \u00e9 uma das formas mais comuns de comprar uma casa. Isso porque, essa linha de cr\u00e9dito permite que as pessoas saiam mais r\u00e1pido do aluguel e conquistem a casa pr\u00f3pria de forma mais pr\u00e1tica.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Atualmente, existem alguns tipos de financiamento que facilitam a compra de uma casa em condom\u00ednio. Em seguida, veja os principais tipos de financiamento. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><\/p>\n<h5 aria-level=\"4\"><span class=\"ez-toc-section\" id=\"SFH_%E2%80%93_Sistema_Financeiro_de_Habitacao\"><\/span>SFH \u2013 Sistema Financeiro de Habita\u00e7\u00e3o<span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p><span data-contrast=\"auto\">Em primeiro lugar, o SFH (Sistema Financeiro de Habita\u00e7\u00e3o) foi criado em 1964, atrav\u00e9s do projeto de lei n\u00ba4.360 de 1964). Dessa forma, um dos principais objetivos do SFH \u00e9 facilitar a compra de moradias para boa parte dos brasileiros. Isto significa que, neste tipo de financiamento, \u00e9 utilizado os recursos da conta poupan\u00e7a e do FGTS para a compra e constru\u00e7\u00e3o de casas. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Al\u00e9m do mais, o SFH permite que a pessoa financie no m\u00e1ximo 80% do valor do im\u00f3vel, incluindo as despesas assessoriais. No entanto, o Sistema Financeiro de Habita\u00e7\u00e3o possui alguns requisitos:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Custo Efetivo M\u00e1ximo (CEM)<\/span><\/b><span data-contrast=\"none\">: at\u00e9 12% ao ano;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Valor do im\u00f3vel:<\/span><\/b><span data-contrast=\"none\"> at\u00e9 a R$ 1,5 milh\u00e3o;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Custo Efetivo Total (CET)<\/span><\/b><span data-contrast=\"none\">: incluindo as\u00a0al\u00edquotas e os seguros (morte, DFI e MIP).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<h5 aria-level=\"4\"><span class=\"ez-toc-section\" id=\"SFI_%E2%80%93_Sistema_de_Financiamento_Imobiliario\"><\/span>SFI \u2013 Sistema de Financiamento Imobili\u00e1rio<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p><span data-contrast=\"auto\">Por outro lado, o Sistema de Financiamento Imobili\u00e1rio (SFI) libera a compra de im\u00f3veis sem muita burocracia. Ou seja, o SFI atende os pontos que o SFH n\u00e3o contempla. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Ali\u00e1s, nos financiamentos feitos pelo SFI voc\u00ea pode conseguir melhores taxas e h\u00e1 a possibilidade de negociar o cr\u00e9dito habitacional diretamente com os bancos. <\/span><span data-contrast=\"auto\">Mas, neste modelo de financiamento, n\u00e3o pode usar o FTGS para ajudar no pagamento do valor do im\u00f3vel.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Programa_Casa_Verde_e_Amarela_Minha_Casa_Minha_Vida\"><\/span><span data-contrast=\"none\">Programa Casa Verde e Amarela (Minha Casa Minha Vida)<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-7729 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Como-sao-calculados-os-juros-de-obra.jpg\" alt=\"Como funciona o financiamento Casa Verde e Amarela Minha Casa Minha Vida | Foto de uma pessoa fazendo contas na calculadora | Blog Alea\" width=\"800\" height=\"508\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Como-sao-calculados-os-juros-de-obra.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Como-sao-calculados-os-juros-de-obra-300x191.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Como-sao-calculados-os-juros-de-obra-768x488.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Como-sao-calculados-os-juros-de-obra-150x95.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"auto\">Em contra partida, o programa habitacional do governo, o <a href=\"https:\/\/www.casasalea.com\/casa-verde-e-amarela\">Casa Verde e Amarela<\/a> (Minha Casa Minha Vida) foi feito para facilitar o financiamento imobili\u00e1rio para fam\u00edlias com renda de at\u00e9 R$ 8 mil. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Isto significa que, o Casa Verde e Amarela (Minha Casa Minha Vida) \u00e9 um grande aliado para quem quer financiar a casa pr\u00f3pria. Visto que o programa oferece condi\u00e7\u00f5es especiais de pagamento, benef\u00edcios incr\u00edveis e as taxas de juros mais baixas do mercado imobili\u00e1rio.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-contrast=\"auto\">A seguir, confira os principais benef\u00edcios do <a href=\"https:\/\/www.casasalea.com\/casa-verde-e-amarela\">Casa Verde e Amarela<\/a> (Minha Casa Minha Vida):<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li><a href=\"https:\/\/www.casasalea.com\/blog\/tudo-sobre-casa-verde-e-amarela\/subsidio-do-governo\/\"><b><span data-contrast=\"auto\">Subs\u00eddio habitacional<\/span><\/b><\/a><b><span data-contrast=\"none\">:<\/span><\/b><span data-contrast=\"none\">\u00a0\u00e9 um valor dado pelo governo federal para facilitar a compra da casa pr\u00f3pria. Para ficar claro, esse valor funciona como um desconto no pre\u00e7o do im\u00f3vel, deixando as parcelas do financiamento mais acess\u00edveis. E mais, essa quantia n\u00e3o precisa ser quitada ou devolvida ao governo.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li><a href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-usar-o-fgts-para-fazer-um-financiamento-imobiliario\/\"><b><span data-contrast=\"auto\">Uso do FGTS na compra de im\u00f3vel<\/span><\/b><\/a><b><span data-contrast=\"none\">:<\/span><\/b><span data-contrast=\"none\">\u00a0o saldo do FGTS pode ser usado como valor de entrada da casa, e at\u00e9 mesmo na amortiza\u00e7\u00e3o das parcelas do financiamento. Com esse valor, voc\u00ea consegue negociar o financiamento. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><\/li>\n<li><a href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/composicao-de-renda-como-funciona\/\"><b><span data-contrast=\"auto\">Composi\u00e7\u00e3o de renda<\/span><\/b><\/a><b><span data-contrast=\"none\">:<\/span><\/b><span data-contrast=\"none\">\u00a0\u00e9 a soma dos sal\u00e1rios de at\u00e9 tr\u00eas pessoas, sejam familiares ou amigos, para o financiamento de um im\u00f3vel. Por meio dessa vantagem, \u00e9 uma forma de aumentar as chances de ter a aprova\u00e7\u00e3o do financiamento.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><\/li>\n<\/ul>\n<h4 aria-level=\"4\"><span class=\"ez-toc-section\" id=\"Quem_pode_participar_do_Casa_Verde_e_Amarela_Minha_Casa_Minha_Vida\"><\/span>Quem pode participar do Casa Verde e Amarela (Minha Casa Minha Vida)?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-7584 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/08\/duvida-1.jpg\" alt=\"Quem pode participar do Minha Casa Minha Vida | Foto de uma mulher com d\u00favida pesquisando na internet | Blog Alea\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/08\/duvida-1.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/08\/duvida-1-300x200.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/08\/duvida-1-768x512.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/08\/duvida-1-150x100.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"none\">Nesse sentido, para participar do <a href=\"https:\/\/www.casasalea.com\/casa-verde-e-amarela\">Casa Verde e Amarela<\/a><\/span><span data-contrast=\"auto\"> (Minha Casa Minha Vida) voc\u00ea precisa se encaixar em um dos <a href=\"https:\/\/www.casasalea.com\/blog\/tudo-sobre-casa-verde-e-amarela\/financiamento-casa-verde-e-amarela\/\">grupos de renda<\/a> e aproveitar os pacotes de benef\u00edcios exclusivos para cada um deles. Confira:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Grupo 1<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Fam\u00edlias com renda mensal bruta de at\u00e9 R$ 2.400.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Grupo 2<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Pessoas com renda mensal bruta de R$ 2.400,01 at\u00e9 R$ 4.400.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Grupo 3<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Brasileiros com renda mensal bruta de R$ 4.400,01 e R$ 8.000.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Depois disso, \u00e9 s\u00f3 encontrar uma construtora ou banco que fa\u00e7a o <a href=\"https:\/\/www.casasalea.com\/blog\/tudo-sobre-casa-verde-e-amarela\/financiamento-casa-verde-e-amarela\/\">financiamento Casa Verde e Amarela<\/a> (Minha Casa Minha Vida) para dar entrada no processo de compra da sua casa pr\u00f3pria.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Como_usar_o_FGTS_para_comprar_uma_casa\"><\/span>Como usar o FGTS para comprar uma casa?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-7212 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/07\/FGTS.jpg\" alt=\"Como usar o FGTS na compra de im\u00f3vel | Foto de uma pessoa usando o aplicativo e site do FGTS | Blog Alea\" width=\"800\" height=\"508\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/07\/FGTS.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/07\/FGTS-300x191.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/07\/FGTS-768x488.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/07\/FGTS-150x95.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"auto\">Por meio do programa habitacional do governo, o <a href=\"https:\/\/www.casasalea.com\/casa-verde-e-amarela\">Casa Verde e Amarela<\/a> (Minha Casa Minha Vida), \u00e9 poss\u00edvel usar o saldo do FGTS para financiar um im\u00f3vel de algumas formas:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"none\">Como valor de entrada;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"none\">Na\u00a0<\/span><span data-contrast=\"auto\">amortiza\u00e7\u00e3o<\/span><span data-contrast=\"none\">\u00a0ou liquida\u00e7\u00e3o do saldo devedor;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"none\">No pagamento de parte das presta\u00e7\u00f5es do financiamento.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Por\u00e9m, para saber <a href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-usar-o-fgts-para-fazer-um-financiamento-imobiliario\/\">como comprar uma casa com FGTS<\/a>, voc\u00ea e o im\u00f3vel precisam atender os seguintes requisitos do Fundo de Garantia:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h5><span class=\"ez-toc-section\" id=\"Para_o_comprador\"><\/span><b><span data-contrast=\"none\">Para o comprador<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"7\" data-aria-level=\"1\"><span data-contrast=\"none\">Ter trabalhado pelo menos tr\u00eas anos com carteira assinada sob regime do FGTS (consecutivos ou n\u00e3o), na mesma ou em empresas diferentes.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"8\" data-aria-level=\"1\"><span data-contrast=\"none\">N\u00e3o pode ter outro financiamento ativo no Sistema Financeiro de Habita\u00e7\u00e3o (SFH), em qualquer lugar do Brasil.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"9\" data-aria-level=\"1\"><span data-contrast=\"none\">N\u00e3o pode ser dono de outro im\u00f3vel residencial na cidade onde mora ou trabalha.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<h5><span class=\"ez-toc-section\" id=\"Para_o_imovel\"><\/span><b><span data-contrast=\"none\">Para o im\u00f3vel<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"10\" data-aria-level=\"1\"><span data-contrast=\"none\">Deve ser um im\u00f3vel urbano;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"11\" data-aria-level=\"1\"><span data-contrast=\"none\">O im\u00f3vel \u00e9 para moradia do trabalhador \u2013 e n\u00e3o para aluguel;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"12\" data-aria-level=\"1\"><span data-contrast=\"none\">Pode ser uma casa usada ou nova;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"13\" data-aria-level=\"1\"><span data-contrast=\"none\">A casa deve ter a matr\u00edcula no Registro de Im\u00f3veis e n\u00e3o apresentar qualquer impedimento \u00e0 comercializa\u00e7\u00e3o;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"14\" data-aria-level=\"1\"><span data-contrast=\"none\">O im\u00f3vel n\u00e3o pode ter sido financiado com o uso do FGTS nos \u00faltimos 3 anos;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:3,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"15\" data-aria-level=\"1\"><span data-contrast=\"none\">A casa passar\u00e1 por uma vistoria de um agente da <\/span><span data-contrast=\"auto\">Caixa Econ\u00f4mica Federal. A Caixa <\/span><span data-contrast=\"none\">vai analisar a finalidade do uso do im\u00f3vel e as condi\u00e7\u00f5es de habitabilidade antes do financiamento ser liberado.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Dessa forma, depois de atender as condi\u00e7\u00f5es que o fundo, voc\u00ea poder\u00e1 utilizar o saldo do Fundo de Garantia para comprar sua casa em condom\u00ednio por meio do <a href=\"https:\/\/www.casasalea.com\/casa-verde-e-amarela\">Casa Verde e Amarela <\/a><\/span><span data-contrast=\"auto\">(Minha Casa Minha Vida)<\/span><span data-contrast=\"none\">. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:1,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:306}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Consorcio_imobiliario\"><\/span><span data-contrast=\"none\">Cons\u00f3rcio imobili\u00e1rio<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-7011 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/06\/O-que-e-valor-de-entrada.jpg\" alt=\"O que \u00e9 cons\u00f3rcio imobili\u00e1rio | Foto de um homem segurando uma calculadora na assinatura do contrato | Blog Alea\" width=\"800\" height=\"508\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/06\/O-que-e-valor-de-entrada.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/06\/O-que-e-valor-de-entrada-300x191.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/06\/O-que-e-valor-de-entrada-768x488.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/06\/O-que-e-valor-de-entrada-150x95.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"none\">A princ\u00edpio, o cons\u00f3rcio imobili\u00e1rio \u00e9 uma forma de autofinanciamento, no qual os compradores se unem com o objetivo de comprar um im\u00f3vel em comum. Logo, todo m\u00eas, os participantes do cons\u00f3rcio imobili\u00e1rio pagam as parcelas, formando meio que uma poupan\u00e7a m\u00fatua.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Em outras palavras, a cada m\u00eas um dos participantes tem acesso \u00e0 uma carta de cr\u00e9dito que garante a compra da casa pr\u00f3pria.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-contrast=\"none\">Atualmente, existem tr\u00eas formas de ser contemplado: <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"16\" data-aria-level=\"1\"><span data-contrast=\"none\">Sorteio do cons\u00f3rcio;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"17\" data-aria-level=\"1\"><span data-contrast=\"none\">Lance no cons\u00f3rcio;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"18\" data-aria-level=\"1\"><span data-contrast=\"none\">Quitar todas as parcelas do cons\u00f3rcio.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Isso quer dizer que, voc\u00ea pode ter a sorte de ser sorteado no come\u00e7o do cons\u00f3rcio ou pode ser o \u00faltimo. Por\u00e9m, se voc\u00ea n\u00e3o tem a inten\u00e7\u00e3o de dar lances para adiantar esse dinheiro, o ideal \u00e9 ser bem paciente e ter um pouco de sorte. <\/span><span data-contrast=\"none\">Enfim, o cons\u00f3rcio \u00e9 uma op\u00e7\u00e3o para quem n\u00e3o tem pressa para comprar a casa pr\u00f3pria, j\u00e1 que a carta de cr\u00e9dito pode demorar alguns anos para sair. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Comprar_casa_a_vista\"><\/span><span data-contrast=\"none\">Comprar casa \u00e0 vista<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-8279 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/compra-a-vista.jpg\" alt=\"Como comprar \u00e0 vista uma casa | Foto de uma pessoa contando dinheiro | Blog Alea\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/compra-a-vista.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/compra-a-vista-300x200.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/compra-a-vista-768x512.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/compra-a-vista-150x100.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"auto\">Por fim, uma outra forma de comprar uma casa \u00e9 pagando \u00e0 vista. Por\u00e9m, essa \u00e9 uma op\u00e7\u00e3o para algumas pessoas. \u00c9 uma maneira de pagamento mais dif\u00edcil, mas n\u00e3o \u00e9 imposs\u00edvel, desde que voc\u00ea guarde dinheiro por um tempo.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Em outras palavras, com dinheiro na m\u00e3o, voc\u00ea ganha mais poder de negocia\u00e7\u00e3o e tem tudo para fechar um excelente neg\u00f3cio, ainda mais se voc\u00ea tem a orienta\u00e7\u00e3o de um profissional do mercado imobili\u00e1rio habilitado.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Como_escolher_o_imovel_ideal\"><\/span><span data-contrast=\"none\">Como escolher o im\u00f3vel ideal?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-8274 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/financiar-casa-propria.jpg\" alt=\"Como escolher um im\u00f3vel para financiar | Foto de uma pessoa segurando a chave de uma casa | Blog Alea\" width=\"800\" height=\"572\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/financiar-casa-propria.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/financiar-casa-propria-300x215.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/financiar-casa-propria-768x549.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/financiar-casa-propria-150x107.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"auto\">Agora que voc\u00ea j\u00e1 sabe quais s\u00e3o as op\u00e7\u00f5es de como comprar uma casa em condom\u00ednio, mesmo sem ter dinheiro guardado, existe uma outra decis\u00e3o muito importante a ser tomada: qual casa comprar?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Saiba que a escolha deve ser feita com calma e cuidado. Afinal de contas, esta casa ser\u00e1 seu novo lar e \u00e9 por isso que voc\u00ea precisa se sentir confort\u00e1vel e em paz dentro dela. Pensando nisso, separamos alguns pontos importante que precisam ser avaliados na hora de comprar uma casa em condom\u00ednio. Veja a seguir.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Localizacao_do_imovel\"><\/span><span data-contrast=\"none\">Localiza\u00e7\u00e3o do im\u00f3vel<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div style=\"width: 480px;\"><iframe loading=\"lazy\" src=\"https:\/\/giphy.com\/embed\/5kl5FWdbWmHx13BaxG\/video\" width=\"480\" height=\"270\" frameborder=\"0\"><\/iframe><\/div>\n<p><span data-contrast=\"none\">O primeiro passo \u00e9 saber se o condom\u00ednio de casas \u00e9 bem localizado. Isso porque, \u00e9 fundamental que o local tenha f\u00e1cil acesso ao transporte p\u00fablico, al\u00e9m de ser pr\u00f3ximo a muitas op\u00e7\u00f5es de servi\u00e7os. Assim, voc\u00ea consegue garantir mais praticidade no seu dia a dia. Al\u00e9m do mais, a localiza\u00e7\u00e3o tamb\u00e9m agrega valor ao im\u00f3vel.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Possibilidades_financeiras\"><\/span><span data-contrast=\"none\">Possibilidades financeiras<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><iframe loading=\"lazy\" src=\"https:\/\/giphy.com\/embed\/67ThRZlYBvibtdF9JH\" width=\"480\" height=\"360\" frameborder=\"0\"><\/iframe><\/p>\n<p><span data-contrast=\"none\">Outro ponto importante \u00e9 saber qual \u00e9 o seu or\u00e7amento para comprar a sua casa pr\u00f3pria. Com esse planejamento financeiro, voc\u00ea n\u00e3o entra em situa\u00e7\u00f5es dif\u00edceis e sabe exatamente suas possibilidades financeiras.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Por isso, coloque seus gastos na ponta do l\u00e1pis e analise o quanto da sua renda familiar pode ser destinada para a comprar da sua casa em condom\u00ednio. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Necessidades_de_todos\"><\/span><span data-contrast=\"none\">Necessidades de todos <\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><iframe loading=\"lazy\" src=\"https:\/\/giphy.com\/embed\/26xBx8U4t5VzZxjPO\" width=\"480\" height=\"270\" frameborder=\"0\"><\/iframe><\/p>\n<p><span data-contrast=\"none\">Em seguida, voc\u00ea precisa analisar as suas necessidades e dos seus familiares. Ou seja, qual \u00e9 o tamanho da casa, se vai precisar de um im\u00f3vel com 2 quartos, se vai precisar de garagem, se o condom\u00ednio \u00e9 pr\u00f3ximo de transporte p\u00fablico, escolas, com\u00e9rcio, hospitais e etc.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Condicoes_do_imovel\"><\/span><span data-contrast=\"none\">Condi\u00e7\u00f5es do im\u00f3vel<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><iframe loading=\"lazy\" src=\"https:\/\/giphy.com\/embed\/26u4gAHDTcdCOLH8Y\" width=\"480\" height=\"270\" frameborder=\"0\"><\/iframe><\/p>\n<p><span data-contrast=\"none\">Esse ponto parece \u00f3bvio, mas muitas pessoas deixam de avaliar com cuidado as condi\u00e7\u00f5es da casa antes de comprar. Se for uma casa usada ou pronta, pergunte sobre reformas recentes, qual a estrutura e fique atento aos detalhes durante a visita ao local.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-contrast=\"none\">Por fim, com essas dicas voc\u00ea vai conseguir escolher a melhor op\u00e7\u00e3o de casa em condom\u00ednio para voc\u00ea e sua fam\u00edlia. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Se voc\u00ea quer uma casa aconchegante e altamente tecnol\u00f3gica, conhe\u00e7a as <a href=\"https:\/\/www.casasalea.com\/casas-a-venda\">Casas Alea<\/a>. Em condom\u00ednios fechados, as <a href=\"https:\/\/www.casasalea.com\/casas-a-venda\">casas Alea<\/a> oferecem seguran\u00e7a e tranquilidade que voc\u00ea busca. Clique <a href=\"https:\/\/www.casasalea.com\/casas-a-venda\">aqui<\/a> e saiba mais!<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"6_dicas_de_como_comprar_uma_casa_sem_ter_dinheiro_guardado\"><\/span><span data-contrast=\"none\">6\u00a0dicas de como comprar uma casa sem ter dinheiro guardado<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"none\">Geralmente, nem todo mundo tem dinheiro guardado para comprar um im\u00f3vel. Ent\u00e3o, para que voc\u00ea possa realizar o sonho da casa pr\u00f3pria em um condom\u00ednio fechado, separamos 6 dicas para te ajudar nessa conquista.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-contrast=\"none\">Vamos l\u00e1?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"1_%E2%80%93_Faca_um_planejamento_financeiro\"><\/span><span data-contrast=\"none\">1 \u2013 Fa\u00e7a um planejamento financeiro<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-7728 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Quem-deve-pagar-os-juros-de-obra.jpg\" alt=\"Fa\u00e7a um planejamento financeiro para comprar casa | Foto de uma mulher fazendo contas na calculadora | Blog Alea\" width=\"800\" height=\"508\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Quem-deve-pagar-os-juros-de-obra.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Quem-deve-pagar-os-juros-de-obra-300x191.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Quem-deve-pagar-os-juros-de-obra-768x488.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Quem-deve-pagar-os-juros-de-obra-150x95.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"none\">Na hora de compra a casa pr\u00f3pria, voc\u00ea vai descobrir diversos gastos no processo de financiamento. Para isso, \u00e9 importante ter um bom planejamento financeiro. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Dessa forma, voc\u00ea vai conseguir definir o que \u00e9 mais importante no seu or\u00e7amento familiar e dedicar seus esfor\u00e7os para aquilo que realmente \u00e9 relevante para voc\u00ea e sua fam\u00edlia.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Ent\u00e3o, analise todos os seus gastos e veja o que \u00e9 necess\u00e1rio e o que n\u00e3o vale a pena gastar nesse momento. \u00c9 desse jeito que voc\u00ea vai estar mais pr\u00f3ximo de realizar o sonho da casa pr\u00f3pria. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"2_%E2%80%93_Elimine_suas_dividas\"><\/span><span data-contrast=\"none\">2 \u2013 Elimine suas d\u00edvidas<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-7690 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Como-funciona-a-analise-de-credito.jpg\" alt=\"Elimine suas d\u00edvidas | Foto de uma pessoa fazendo contas no celular | Blog Alea\" width=\"800\" height=\"508\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Como-funciona-a-analise-de-credito.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Como-funciona-a-analise-de-credito-300x191.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Como-funciona-a-analise-de-credito-768x488.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/09\/Como-funciona-a-analise-de-credito-150x95.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"none\">Depois de saber quais s\u00e3o os seus gastos, controle suas d\u00edvidas. Porque, para conseguir um financiamento voc\u00ea precisa estar consciente que todo m\u00eas voc\u00ea vai separar parte do seu sal\u00e1rio para pagar a casa.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\"> Al\u00e9m disso, o banco vai analisar se a sua renda est\u00e1 muito comprometida com outras despesas e se voc\u00ea n\u00e3o tem restri\u00e7\u00f5es no CPF.<\/span><\/p>\n<p><span data-contrast=\"none\">Por isso, antes de pedir um financiamento, voc\u00ea precisa quitar suas d\u00edvidas e tentar ao m\u00e1ximo economizar. Ent\u00e3o, corte os gastos desnecess\u00e1rios e elimine suas d\u00edvidas, pois no final voc\u00ea ter\u00e1 sua casa pr\u00f3pria. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"3-_Poupe_o_valor_de_entrada_20_do_valor_da_casa_que_voce_quer_comprar\"><\/span><span data-contrast=\"none\">3- Poupe o valor de entrada, 20% do valor da casa que voc\u00ea quer comprar<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-7941 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/10\/poupar-para-entrega-de-chaves.jpg\" alt=\"Poupe o valor de entrada do financiamento | Foto de uma mulher colocando moeda em cofrinho | Blog Alea\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/10\/poupar-para-entrega-de-chaves.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/10\/poupar-para-entrega-de-chaves-300x200.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/10\/poupar-para-entrega-de-chaves-768x512.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2022\/10\/poupar-para-entrega-de-chaves-150x100.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"none\">Outra dica para conquistar sua casa pr\u00f3pria com mais seguran\u00e7a \u00e9 economizar pelo menos 20% do valor do im\u00f3vel que voc\u00ea quer. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Como j\u00e1 vimos, os bancos financiam at\u00e9 80% do valor do im\u00f3vel. Por isso, voc\u00ea precisa ter esse valor guardado e rendendo em algum lugar. Por exemplo, digamos que voc\u00ea quer comprar uma casa em condom\u00ednio de R$ 200 mil. O <a href=\"https:\/\/www.casasalea.com\/blog\/como-comprar-uma-casa\/como-pagar-o-valor-de-entrada-no-financiamento\/\">valor de entrada<\/a> para esse im\u00f3vel \u00e9 no m\u00ednimo R$ 40 mil (20% de R$ 200 mil). <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Vale lembrar que quanto maior for o valor da sua entrada, menor ser\u00e1 o valor das parcelas do financiamento. Com isso, a compra da sua casa em condom\u00ednio fica mais barata. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"4_%E2%80%93_Guarde_dinheiro_para_a_escritura_e_os_documentos_de_cartorio\"><\/span><span data-contrast=\"none\">4\u00a0\u2013 Guarde dinheiro para a escritura e os documentos de cart\u00f3rio <\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-8275 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/poupar.jpg\" alt=\"Como economizar dinheiro para comprar a casa pr\u00f3pria | Foto de um cofrinho de porquinho, moedas e calculadora | Blog Alea\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/poupar.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/poupar-300x200.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/poupar-768x512.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/poupar-150x100.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"none\">Nesse sentido, outro gasto que voc\u00ea ter\u00e1 ao comprar sua casa \u00e9 com rela\u00e7\u00e3o aos custos adicionais, al\u00e9m do financiamento. Em outras palavras, despesas com documenta\u00e7\u00e3o, impostos, taxas e cart\u00f3rio, etc.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-contrast=\"none\">Ent\u00e3o, deixe reservado os valores para:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"19\" data-aria-level=\"1\"><span data-contrast=\"none\">ITBI (Imposto sobre Transmiss\u00e3o de Bens e Im\u00f3veis);<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"20\" data-aria-level=\"1\"><span data-contrast=\"none\">Registro de im\u00f3vel;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"21\" data-aria-level=\"1\"><span data-contrast=\"none\">Outros custos em cart\u00f3rio;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"22\" data-aria-level=\"1\"><span data-contrast=\"none\">Avalia\u00e7\u00e3o do im\u00f3vel; <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"23\" data-aria-level=\"1\"><span data-contrast=\"none\">An\u00e1lise jur\u00eddica; <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"24\" data-aria-level=\"1\"><span data-contrast=\"none\">Entre outras despesas.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Com isso, a dica \u00e9 que voc\u00ea separe cerca de 4% do valor do im\u00f3vel para essas despesas adicionais. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"5_%E2%80%93_Faca_uma_renda_extra\"><\/span><span data-contrast=\"none\">5 &#8211; Fa\u00e7a uma renda extra<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-8276 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/renda-extra.jpg\" alt=\"Fa\u00e7a uma renda extra | Foto de uma pessoa fazendo cupcakes | Blog Alea\" width=\"800\" height=\"534\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/renda-extra.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/renda-extra-300x200.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/renda-extra-768x513.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/renda-extra-150x100.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"none\">Se a sua renda \u00e9 o suficiente para arcar com suas d\u00edvidas, a renda extra pode ser uma alternativa que pode te ajudar a criar uma reserva de dinheiro e realizar o sonho da sua casa pr\u00f3pria. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Para isso, voc\u00ea pode transformar um hobby em presta\u00e7\u00e3o de servi\u00e7o e ganhar um dinheiro extra. Al\u00e9m do mais, voc\u00ea pode revender produtos, dar aulas, vender pe\u00e7as artesanais, roupas, produtos de belezas, fazer marmitas e doces; enfim, s\u00e3o muitas op\u00e7\u00f5es de renda extra.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">O mais importante \u00e9 analisar as op\u00e7\u00f5es e ver seu tempo dispon\u00edvel. Dessa forma, voc\u00ea saber\u00e1 se a essa atividade \u00e9 vi\u00e1vel para conseguir um dinheiro extra e acelerar a conquista da sua casa pr\u00f3pria.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"6_%E2%80%93_Comece_a_investir\"><\/span><span data-contrast=\"none\">6 &#8211; Comece a investir<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-8277 size-full\" src=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/investimento.jpg\" alt=\"Fa\u00e7a investimentos com seu dinheiro | Foto de uma mo\u00e7a feliz pesquisando na internet | Blog Alea\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/investimento.jpg 800w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/investimento-300x200.jpg 300w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/investimento-768x512.jpg 768w, https:\/\/www.casasalea.com\/blog\/wp-content\/uploads\/2023\/02\/investimento-150x100.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span data-contrast=\"auto\">Al\u00e9m de fazer renda extra e poupar parte do seu sal\u00e1rio, \u00e9 importante voc\u00ea aplicar esse dinheiro. Para isso, procure aplicar seu dinheiro em melhores investimentos do que a poupan\u00e7a, como em renda fixa ou renda vari\u00e1vel (Tesouro Direto, CDB\u2019s, CDI\u2019s, etc.).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Viu s\u00f3! N\u00e3o \u00e9 imposs\u00edvel comprar uma casa em condom\u00ednio. Voc\u00ea s\u00f3 precisa saber qual casa voc\u00ea quer, como est\u00e1 o seu or\u00e7amento e escolher a forma de como vai comprar sua casa dos sonhos.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">E para voc\u00ea que n\u00e3o sabe por onde come\u00e7ar para comprar sua casa em condom\u00ednio, a <a href=\"https:\/\/www.casasalea.com\/\">Alea<\/a> tem a casa ideal para voc\u00ea e sua fam\u00edlia viver bem e feliz. As <a href=\"https:\/\/www.casasalea.com\/casas-a-venda\">casas Alea<\/a> t\u00eam alto padr\u00e3o de qualidade e tecnologia que oferecem o bem estar que voc\u00ea sonha. Aproveite a parceria da <a href=\"https:\/\/www.casasalea.com\/\">Alea<\/a> com o programa do governo <a href=\"https:\/\/www.casasalea.com\/casa-verde-e-amarela\">Casa Verde e Amarela<\/a> (Minha Casa Minha Vida) e conquiste agora sua casa pr\u00f3pria com a gente! Confira as <a href=\"https:\/\/www.casasalea.com\/casas-a-venda\">casas \u00e0 venda Alea<\/a>.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"_Conheca_a_Alea\"><\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><b><span data-contrast=\"none\">Conhe\u00e7a a Alea<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><iframe loading=\"lazy\" title=\"Alea \u00e9 a melhor escolha para a sua fam\u00edlia\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/FdVjiqQFmMQ?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p><span data-contrast=\"none\">A\u202f<\/span><a href=\"https:\/\/www.casasalea.com\/\"><span data-contrast=\"none\">Alea<\/span><\/a><span data-contrast=\"none\"> nasceu com o prop\u00f3sito de proporcionar a voc\u00ea a oportunidade de morar em um condom\u00ednio de casas com seguran\u00e7a, conforto e qualidade de vida. Todos os residenciais priorizam contato com a natureza e oferecem a liberdade de viver em espa\u00e7os amplos, abertos e ao ar livre.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">S\u00e3o casas n\u00e3o geminadas e sem muros, em condom\u00ednios fechados que contam com projetos arquitet\u00f4nicos e de paisagismo, focados no seu bem estar. Al\u00e9m de uma nova forma de morar, a Alea se diferencia pelo alto padr\u00e3o e pela tecnologia, pois utiliza um <\/span><a href=\"https:\/\/www.casasalea.com\/metodo-construtivo\"><span data-contrast=\"none\">m\u00e9todo construtivo<\/span><\/a><span data-contrast=\"none\"> internacionalmente reconhecido, o wood frame.\u202fTodas as casas disp\u00f5em de paredes com 8 camadas, que entregam resist\u00eancia, durabilidade, conforto t\u00e9rmico e ac\u00fastico.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Aquele seu sonho de morar em um condom\u00ednio de casas agora pode se tornar realidade. A Alea \u00e9 uma das grandes parceiras do <a href=\"https:\/\/www.casasalea.com\/casa-verde-e-amarela\">Casa Verde e Amarela<\/a>. Por esse motivo, voc\u00ea pode usar todas as vantagens e benef\u00edcios do programa no financiamento da sua casa. <\/span><a href=\"https:\/\/www.casasalea.com\/loja-virtual\"><span data-contrast=\"none\">Venha escolher a sua<\/span><\/a><span data-contrast=\"none\"> e aproveite<\/span><span data-contrast=\"none\">!<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A compra da casa pr\u00f3pria \u00e9 o sonho de muitos brasileiros, por\u00e9m esse processo pode gerar muitas [&#8230;]<\/p>\n","protected":false},"author":14,"featured_media":8272,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[292,79,66],"class_list":["post-8260","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-como-comprar-uma-casa","tag-casa-verde-e-amarela","tag-educacao-financeira","tag-financiamento"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - 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