{"id":113,"date":"2015-10-22T14:34:37","date_gmt":"2015-10-22T16:34:37","guid":{"rendered":"http:\/\/test.kriesi.at\/construction\/?page_id=113"},"modified":"2021-12-20T18:00:00","modified_gmt":"2021-12-20T21:00:00","slug":"financiamento","status":"publish","type":"page","link":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/servicos\/financiamento\/","title":{"rendered":"Financiamento"},"content":{"rendered":"<div   data-size='featured_large'  data-lightbox_size='large'  data-animation='fade'  data-conditional_play=''  data-ids='440'  data-video_counter='0'  data-autoplay='true'  data-bg_slider='false'  data-slide_height=''  data-handle='av_slideshow'  data-interval='5'  data-class=' avia-builder-el-0  el_before_av_one_full  avia-builder-el-first  '  data-el_id=''  data-css_id=''  data-scroll_down=''  data-control_layout='av-control-hidden'  data-custom_markup=''  data-perma_caption=''  data-autoplay_stopper=''  data-image_attachment=''  data-min_height='0px'  data-lazy_loading='disabled'  data-default-height='42'  class='avia-slideshow avia-slideshow-1  av-control-hidden av-default-height-applied avia-slideshow-featured_large av_slideshow  avia-builder-el-0  el_before_av_one_full  avia-builder-el-first   avia-fade-slider '  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 42%;' ><li  class=' av-single-slide slide-1 ' ><div data-rel='slideshow-1' class='avia-slide-wrap '   ><img decoding=\"async\" class=\"wp-image-440 avia-img-lazy-loading-not-440\"  src=\"https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/financiamento-1500x630.png\" width=\"1500\" height=\"630\" title='financiamento' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/financiamento-1500x631.png 1500w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/financiamento-300x126.png 300w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/financiamento-1030x433.png 1030w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/financiamento-768x323.png 768w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/financiamento-1536x646.png 1536w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/financiamento-705x296.png 705w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/financiamento.png 1701w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/div><\/li><\/ul><\/div>\n<div class=\"flex_column av_one_full  av-animated-generic bottom-to-top  flex_column_div av-zero-column-padding first  avia-builder-el-1  el_after_av_slideshow  el_before_av_one_half  \" style='margin-top:0px; margin-bottom:0px; border-radius:0px; '><p><div  style='padding-bottom:0px; ' class='av-special-heading av-special-heading-h2  blockquote modern-quote  avia-builder-el-2  el_before_av_hr  avia-builder-el-first  '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Financiamento Imobili\u00e1rio<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<div  style=' margin-top:10px; margin-bottom:10px;'  class='hr hr-custom hr-left hr-icon-no   avia-builder-el-3  el_after_av_heading  avia-builder-el-last '><span class='hr-inner  inner-border-av-border-fat' style=' width:50px; border-color:#064d44;' ><span class='hr-inner-style'><\/span><\/span><\/div><\/p><\/div>\n<div class=\"flex_column av_one_half  av-animated-generic bottom-to-top  flex_column_div av-zero-column-padding first  avia-builder-el-4  el_after_av_one_full  el_before_av_one_half  column-top-margin\" style='margin-top:0px; margin-bottom:0px; border-radius:0px; '><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  '   itemprop=\"text\" ><p>O\u00a0<strong>financiamento imobili\u00e1rio \u00e9 uma linha de cr\u00e9dito<\/strong>\u00a0oferecida pelos bancos para ser usada para fins imobili\u00e1rios, como a aquisi\u00e7\u00e3o de um apartamento. Ele costuma\u00a0<strong>cobrir at\u00e9 80% do valor total do im\u00f3vel e pode durar at\u00e9 35 anos<\/strong>.<\/p>\n<p>O im\u00f3vel pode ser novo, usado, comprado na planta ou em constru\u00e7\u00e3o.<\/p>\n<p>Os recursos para financiamento imobili\u00e1rio no Brasil v\u00eam da Caderneta de Poupan\u00e7a, do Fundo de Garantia do Tempo de Servi\u00e7o (FGTS) e da emiss\u00e3o de t\u00edtulos de cr\u00e9dito imobili\u00e1rio como LCIs (letras de cr\u00e9dito imobili\u00e1rio), CRIs (certificados de receb\u00edveis imobili\u00e1rios) e CCIs (c\u00e9dulas de cr\u00e9dito imobili\u00e1rio).<\/p>\n<p>Se o financiamento for aprovado, a institui\u00e7\u00e3o desembolsa o valor e o consumidor come\u00e7a a pagar as parcelas.<\/p>\n<\/div><\/section><\/div>\n<div class=\"flex_column av_one_half  av-animated-generic bottom-to-top  flex_column_div av-zero-column-padding   avia-builder-el-6  el_after_av_one_half  el_before_av_one_half  column-top-margin\" style='margin-top:0px; margin-bottom:0px; border-radius:0px; '><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  '   itemprop=\"text\" ><p>Em m\u00e9dia um processo de financiamento imobili\u00e1rio perdura de 20 a 45 dias corridos, desde a aprova\u00e7\u00e3o do cr\u00e9dito a emiss\u00e3o e assinatura do contrato. O recurso destinado ao parte vendedora s\u00f3 \u00e9 creditado em conta ou via cheque administrativo ap\u00f3s contratos serem registrado em cart\u00f3rio de im\u00f3veis (prazo legal de 30 dias por lei) e devolvido ao banco em via original mais a certid\u00e3o constando a devida aliena\u00e7\u00e3o fiduci\u00e1ria, para libera\u00e7\u00e3o do recurso entre 3 a 5 dias \u00fateis.<\/p>\n<\/div><\/section><\/div>\n<div class=\"flex_column av_one_half  av-animated-generic bottom-to-top  flex_column_div av-zero-column-padding first  avia-builder-el-8  el_after_av_one_half  el_before_av_one_half  column-top-margin\" style='border-radius:0px; '><p><div  style='padding-bottom:0px; ' class='av-special-heading av-special-heading-h2  blockquote modern-quote  avia-builder-el-9  el_before_av_hr  avia-builder-el-first  '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Quais s\u00e3o as etapas do processo?<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<div  style=' margin-top:10px; margin-bottom:10px;'  class='hr hr-custom hr-left hr-icon-no   avia-builder-el-10  el_after_av_heading  el_before_av_textblock '><span class='hr-inner  inner-border-av-border-fat' style=' width:50px; border-color:#064d44;' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  '   itemprop=\"text\" ><ul>\n<li>ANALISE DE CR\u00c9DITO \u2013 10 dias \u00fateis *<br \/>\nNessa etapa verificasse a capacidade de pagamento do cliente e o seu perfil junto as institui\u00e7\u00f5es financeiras<\/li>\n<li>AVALIA\u00c7\u00c3O DO IM\u00d3VEL \u2013 10 dias \u00fateis *<br \/>\nNessa etapa o banco contrato uma empresa terceirizada que disponibiliza um avaliador para avaliar o im\u00f3vel, seja remotamente ou presencialmente, tendo como objetivo levantar as condi\u00e7\u00f5es do im\u00f3vel e valor de mercado.<\/li>\n<li>ANALISE JURIDICA \u2013 10 dias \u00fateis *<br \/>\nNesta etapa a documenta\u00e7\u00e3o da parte compradora, vendedora e do im\u00f3vel, \u00e9 submetida \u00e0 an\u00e1lise criteriosa e jur\u00eddica pelos analista do banco, identificando se h\u00e1 impeditivos, legibilidade e legitimidade na documenta\u00e7\u00e3o apresentada. Estando tudo conforme, processo segue para emiss\u00e3o;<\/li>\n<li>EMISS\u00c3O DO CONTRATO \u2013 5 dias \u00fateis *<br \/>\nContrato \u00e9 conferido e confeccionado, disponibilizado via e-mail ou portal na ag\u00eancia, podendo ser impresso para a assinatura das partes interessadas.<\/li>\n<\/ul>\n<p><em>* Tempo m\u00e9dio de prazo para cada etapa, sujeito a varia\u00e7\u00f5es.<\/em><\/p>\n<\/div><\/section><\/p><\/div>\n<div class=\"flex_column av_one_half  av-animated-generic bottom-to-top  flex_column_div av-zero-column-padding   avia-builder-el-12  el_after_av_one_half  avia-builder-el-last  column-top-margin\" style='border-radius:0px; '><div  class='avia-image-container  av-styling-no-styling    avia-builder-el-13  avia-builder-el-no-sibling  avia-align-center '  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img decoding=\"async\" class='wp-image-79 avia-img-lazy-loading-not-79 avia_image' src=\"https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2015\/10\/architect-handling-keys-to-a-couple-845x684.jpg\" alt='' title='Architect handling keys to a couple' height=\"684\" width=\"845\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2015\/10\/architect-handling-keys-to-a-couple-845x684.jpg 845w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2015\/10\/architect-handling-keys-to-a-couple-495x400.jpg 495w\" sizes=\"(max-width: 845px) 100vw, 845px\" \/><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":83,"parent":25,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/pages\/113"}],"collection":[{"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/comments?post=113"}],"version-history":[{"count":9,"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/pages\/113\/revisions"}],"predecessor-version":[{"id":496,"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/pages\/113\/revisions\/496"}],"up":[{"embeddable":true,"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/pages\/25"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/media\/83"}],"wp:attachment":[{"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/media?parent=113"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}