When it comes to making their own home dreams come true, many people are still left behind when it comes to apartment financing. However, this type of feeling is generated due to the lack of a broader knowledge on the subject.
If you look at it, financing is one of the best ways to acquire real estate and, if you adopt some specific strategies, it can get even better. It is precisely with this in mind, that we prepared this post.
Discover, from now on, 5 reasons why you should not fear financing and make your dreams come true!
1. The property can be sold at any time
Many people believe that, when entering into a loan, they will be tied to the property, not being able to sell it or exchange it for another one. But that is not true. If you want to do this, even before finalizing the payment of installments, you can. To do this, simply pass the financing on to the person interested in the purchase.
However, before making this decision, it is important that you consult the bank or finance company that is financing the property to obtain the necessary approval. Always do everything respecting the rules and regulations specified in the financing contract that everything will work out.
2. You don’t have to wait to move
Unlike other types of acquisition, such as the consortium, financing allows you to live in the apartment from the first installment paid.
This is great, because if you live on rent, you can have this expense converted into an investment, starting to use it to pay the installments of a property that will be yours for real.
3. FGTS can be used
Another thing that many people still do not know or do not understand how it works is that the SFH (Housing Finance System) allows the use of FGTS (Guarantee Fund for Time of Service) to finance an apartment without you having to leave the company that works.
To do this, you just need to look for your branch manager at Caixa Econômica Federal and consult the terms of the operation. Considering the income currently paid, it is much more advantageous to use the value for the purchase of a property than to leave it standing in the bank account.
4. You can rent it
Financing does not prohibit you from renting, selling or exchanging the property. As long as you respect the terms of the contract and keep the installment payments up to date, you have the freedom to do what you want. After all, it’s your apartment.
In this case, if you have your own home or pay a rent lower than what can be charged on the property you are financing, you can rent it to have a breath in the budget. That if you prefer, of course.
5. is accessible
In order to move the economy, government officials have been facilitating credit and making it more accessible every day. Some examples of this are the liberation of the use of FGTS in financing and the program “Minha Casa Minha Vida” of the Federal Government.
In addition, some finance companies specializing in real estate financing provide all the support you need to get the necessary credit released more quickly and smoothly.
As you can see, apartment financing can be easy, flexible and work as an investment for you. If you have the support of a consultancy in the process, everything can be simplified even more. There is nothing to fear. Start planning today to make your dreams come true!