{"id":338,"date":"2021-12-02T15:19:49","date_gmt":"2021-12-02T17:19:49","guid":{"rendered":"http:\/\/localhost\/wp-sempre\/?page_id=338"},"modified":"2025-05-15T18:53:57","modified_gmt":"2025-05-15T21:53:57","slug":"credito-com-garantia","status":"publish","type":"page","link":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/servicos\/credito-com-garantia\/","title":{"rendered":"Cr\u00e9dito com Garantia"},"content":{"rendered":"<div   data-size='featured_large'  data-lightbox_size='large'  data-animation='fade'  data-conditional_play=''  data-ids='486'  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  ocultar '  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  ocultar  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-486 avia-img-lazy-loading-not-486\"  src=\"https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/credito-1-1500x630.png\" width=\"1500\" height=\"630\" title='credito' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/credito-1-1500x631.png 1500w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/credito-1-300x126.png 300w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/credito-1-1030x433.png 1030w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/credito-1-768x323.png 768w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/credito-1-1536x646.png 1536w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/credito-1-705x296.png 705w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2021\/12\/credito-1.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_full  \" 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\"  >Cr\u00e9dito com Garantia<\/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_full  av-animated-generic bottom-to-top  flex_column_div av-zero-column-padding first  avia-builder-el-4  el_after_av_one_full  avia-builder-el-last  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\" ><div style=\"width: 360px;\" class=\"wp-video\"><!--[if lt IE 9]><script>document.createElement('video');<\/script><![endif]-->\n<video class=\"wp-video-shortcode\" id=\"video-338-1\" width=\"360\" height=\"640\" preload=\"metadata\" controls=\"controls\"><source type=\"video\/mp4\" src=\"https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2025\/05\/credito_garantia_01.mp4?_=1\" \/><a href=\"https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2025\/05\/credito_garantia_01.mp4\">https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2025\/05\/credito_garantia_01.mp4<\/a><\/video><\/div>\n<p><strong>Taxas de juros a partir de 1% a.m.\u00a0+\u00a0IPCA<\/strong><\/p>\n<p>De maneira resumida, podemos dizer que esse tipo de empr\u00e9stimo permite que qualquer pessoa (f\u00edsica ou jur\u00eddica) ofere\u00e7a um im\u00f3vel como garantia de que as parcelas ser\u00e3o pagas corretamente. Por ser um bem de alto valor, os riscos de inadimpl\u00eancia s\u00e3o bastante reduzidos para a institui\u00e7\u00e3o financeira.<\/p>\n<p>A partir do momento em que o contrato do empr\u00e9stimo \u00e9 assinado, o im\u00f3vel \u00e9 dado em garantia \u00e0 institui\u00e7\u00e3o financeira atrav\u00e9s de uma averba\u00e7\u00e3o na matr\u00edcula do im\u00f3vel contendo a aliena\u00e7\u00e3o fiduci\u00e1ria, junto ao Cart\u00f3rio do Registro de Im\u00f3veis. Por\u00e9m, ap\u00f3s a quita\u00e7\u00e3o da d\u00edvida, a institui\u00e7\u00e3o financeiras emitira um termo de quita\u00e7\u00e3o, que poder\u00e1 ser levado at\u00e9 o Cart\u00f3rio do Registro de Im\u00f3veis para uma nova averba\u00e7\u00e3o na matr\u00edcula do im\u00f3vel, agora, para cancelar a aliena\u00e7\u00e3o fiduci\u00e1ria que havia em favor da institui\u00e7\u00e3o financeira. O empr\u00e9stimo pode ter o valor correspondente a at\u00e9 60% do total do im\u00f3vel e o tomador de cr\u00e9dito precisa comprovar renda, para que as parcelas n\u00e3o ultrapassem a cerca de 30% da sua renda mensal.<br \/>\nO im\u00f3vel n\u00e3o sair\u00e1 do seu nome, exceto se atrasar as parcelas a ponto de o banco entrar com o processo de tomar a posse do im\u00f3vel para executar a garantia da d\u00edvida\u00a0n\u00e3o\u00a0paga.<\/p>\n<p><a href=\"https:\/\/wa.me\/556239117800?text=Quero%20saber%20mais%20sobre%20Cr%C3%A9dito%20com%20Garantia\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-568\" src=\"https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2025\/05\/whatsapp-agora-300x88.png\" alt=\"\" width=\"300\" height=\"88\" srcset=\"https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2025\/05\/whatsapp-agora-300x88.png 300w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2025\/05\/whatsapp-agora-768x224.png 768w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2025\/05\/whatsapp-agora-705x206.png 705w, https:\/\/www.semprecreditoimobiliario.com.br\/wp-content\/uploads\/2025\/05\/whatsapp-agora.png 960w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<\/div><\/section><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":486,"parent":25,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/pages\/338"}],"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=338"}],"version-history":[{"count":25,"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/pages\/338\/revisions"}],"predecessor-version":[{"id":570,"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/pages\/338\/revisions\/570"}],"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\/486"}],"wp:attachment":[{"href":"https:\/\/www.semprecreditoimobiliario.com.br\/index.php\/wp-json\/wp\/v2\/media?parent=338"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}