{"id":66840,"date":"2025-10-13T20:20:50","date_gmt":"2025-10-13T23:20:50","guid":{"rendered":"https:\/\/www.p31noticias.com.br\/?p=66840"},"modified":"2025-10-13T20:21:40","modified_gmt":"2025-10-13T23:21:40","slug":"caixa-comeca-a-oferecer-credito-habitacional-com-novas-regras","status":"publish","type":"post","link":"https:\/\/www.p31noticias.com.br\/?p=66840","title":{"rendered":"Caixa come\u00e7a a oferecer cr\u00e9dito habitacional com novas regras"},"content":{"rendered":"<p style=\"text-align: justify;\"><em><strong>Medidas elevam limites e permitem uso do FGTS em im\u00f3veis mais caros<\/strong><\/em><\/p>\n<p style=\"text-align: justify;\">A partir desta segunda-feira (13), a compra da casa pr\u00f3pria est\u00e1 mais acess\u00edvel.\u00a0<strong>Entraram em vigor as novas regras da Caixa Econ\u00f4mica Federal\u00a0<a href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2025-10\/lula-anuncia-novo-modelo-de-credito-imobiliario\" target=\"_blank\" rel=\"noopener\">para ampliar o acesso ao financiamento<\/a>\u00a0habitacional.\u00a0<\/strong><img decoding=\"async\" src=\"https:\/\/agenciabrasil.ebc.com.br\/ebc.png?id=1662658&amp;o=node\" \/>As medidas devem injetar R$ 20 bilh\u00f5es no cr\u00e9dito imobili\u00e1rio e, segundo o banco,\u00a0<a href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2025-10\/caixa-preve-financiar-80-mil-moradias-com-novo-programa-imobiliario\" target=\"_blank\" rel=\"noopener\">financiar 80 mil novos im\u00f3veis<\/a>\u00a0at\u00e9 o fim do pr\u00f3ximo ano.<\/p>\n<p style=\"text-align: justify;\">O\u00a0<a href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2024-10\/caixa-muda-regras-de-financiamento-de-imoveis-e-eleva-valor-de-entrada\" target=\"_blank\" rel=\"noopener\">pacote apoiado pelo governo federal inclui<\/a>\u00a0o aumento da cota m\u00e1xima de financiamento para 80% do valor do im\u00f3vel e a eleva\u00e7\u00e3o do teto de im\u00f3veis financi\u00e1veis pelo Sistema Financeiro da Habita\u00e7\u00e3o (SFH) de R$ 1,5 milh\u00e3o para R$ 2,25 milh\u00f5es.<\/p>\n<p style=\"text-align: justify;\"><strong>As\u00a0<a href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2024-10\/entenda-as-novas-regras-de-financiamento-imobiliario-da-caixa\" target=\"_blank\" rel=\"noopener\">mudan\u00e7as beneficiam especialmente<\/a>\u00a0fam\u00edlias com renda mensal acima de R$ 12 mil, faixa at\u00e9 ent\u00e3o com dificuldade para acessar cr\u00e9dito habitacional fora das taxas de mercado.<\/strong><\/p>\n<p style=\"text-align: justify;\">A redu\u00e7\u00e3o da entrada destrava o acesso ao cr\u00e9dito para milhares de fam\u00edlias que estavam pr\u00f3ximas de obter o financiamento, mas n\u00e3o conseguiam juntar o valor inicial suficiente.<\/p>\n<p style=\"text-align: justify;\">Respons\u00e1vel por cerca de 70% dos financiamentos habitacionais do pa\u00eds, a\u00a0<a href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2024-10\/caixa-muda-regras-de-financiamento-de-imoveis-e-eleva-valor-de-entrada\" target=\"_blank\" rel=\"noopener\">Caixa ser\u00e1 a principal institui\u00e7\u00e3o<\/a>\u00a0a operar o novo modelo, que ficar\u00e1 em fase de teste at\u00e9 o fim de 2026.<\/p>\n<p style=\"text-align: justify;\"><strong>Se o formato se revelar eficaz para ampliar a oferta de cr\u00e9dito imobili\u00e1rio e reduzir custos, o funcionamento pleno est\u00e1 previsto para 2027.<\/strong><\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.whatsapp.com\/channel\/0029VaoRTgrInlqYLSk59B2M\" target=\"_blank\" rel=\"noopener\">&gt;&gt; Siga o canal da\u00a0<strong>Ag\u00eancia Brasil\u00a0<\/strong>no WhatsApp<\/a><\/p>\n<h2 style=\"text-align: justify;\">O que muda na pr\u00e1tica?<\/h2>\n<p style=\"text-align: justify;\">Antes das novas regras, o financiamento m\u00e1ximo era limitado a 70% do valor do im\u00f3vel. Com o retorno da cota de 80%, o comprador precisa dispor de uma entrada menor.<\/p>\n<p style=\"text-align: justify;\">Exemplo para um im\u00f3vel de R$ 500 mil:<\/p>\n<ul style=\"text-align: justify;\">\n<li><strong>Regra antiga (70%): entrada de R$ 150 mil<\/strong><\/li>\n<li><strong>Regra nova (80%): entrada de R$ 100 mil<\/strong><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\">O que muda para quem usa o saldo do FGTS?<\/h2>\n<p style=\"text-align: justify;\">O Sistema Financeiro da Habita\u00e7\u00e3o (SFH), criado para oferecer condi\u00e7\u00f5es especiais e juros menores, tamb\u00e9m passou por atualiza\u00e7\u00e3o.<\/p>\n<p style=\"text-align: justify;\"><strong>O novo teto de R$ 2,25 milh\u00f5es amplia o alcance das regras que permitem usar o saldo do FGTS como parte do financiamento.<\/strong><\/p>\n<p style=\"text-align: justify;\">Agora, im\u00f3veis de valor mais alto podem ser adquiridos com juros regulados e benef\u00edcios antes restritos a faixas de pre\u00e7o menores.<\/p>\n<p style=\"text-align: justify;\">Como usar o FGTS em financiamentos habitacionais:<\/p>\n<ul style=\"text-align: justify;\">\n<li>como entrada, reduzindo o valor a ser financiado;<\/li>\n<li>para amortizar o saldo devedor, diminuindo parcelas ou prazo;<\/li>\n<li>para pagar parte das presta\u00e7\u00f5es, aliviando o or\u00e7amento mensal.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\">Outras d\u00favidas comuns<\/h2>\n<p style=\"text-align: justify;\"><strong>O FGTS pode ser usado para financiar qualquer im\u00f3vel?<\/strong><br \/>\nSim, desde que o valor do im\u00f3vel n\u00e3o ultrapasse R$ 2,25 milh\u00f5es e o financiamento seja feito dentro do SFH.<\/p>\n<p style=\"text-align: justify;\"><strong>Quem pode se beneficiar?<\/strong><br \/>\nAs novas condi\u00e7\u00f5es foram pensadas para fam\u00edlias de classe m\u00e9dia, com renda acima de R$ 12 mil mensais. Os compradores com renda inferior a esse valor continuam contemplados pelo programa Minha Casa, Minha Vida, voltado \u00e0 habita\u00e7\u00e3o popular.<\/p>\n<p style=\"text-align: justify;\"><strong>As regras valem para im\u00f3veis novos e usados?<\/strong><br \/>\nSim. As condi\u00e7\u00f5es se aplicam tanto para im\u00f3veis novos quanto usados, desde que o valor esteja dentro dos limites do SFH.<\/p>\n<p style=\"text-align: justify;\"><strong>Preciso ser cliente da Caixa para financiar?<\/strong><br \/>\nN\u00e3o. Qualquer pessoa que atenda aos requisitos de renda, comprova\u00e7\u00e3o de capacidade de pagamento e documenta\u00e7\u00e3o pode pedir o financiamento.<\/p>\n<p style=\"text-align: justify;\"><strong>Como saber quanto posso financiar?<\/strong><br \/>\nA Caixa oferece um\u00a0<a href=\"https:\/\/www8.caixa.gov.br\/siopiinternet-web\/simulaOperacaoInternet.do?method=inicializarCasoUso\" target=\"_blank\" rel=\"noopener\">simulador em sua p\u00e1gina na internet<\/a>\u00a0que estima o valor do cr\u00e9dito e das parcelas de acordo com a renda familiar e o perfil do comprador.<\/p>\n<p style=\"text-align: justify;\"><strong>Que passos devo seguir para pedir o financiamento habitacional?<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>Reunir documentos: comprovantes de renda, identidade e declara\u00e7\u00e3o de imposto de renda.<\/li>\n<li>Fazer simula\u00e7\u00e3o online no site da Caixa.<\/li>\n<li>Procurar uma ag\u00eancia com os dados em m\u00e3os para negociar o financiamento.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><strong>O que muda no uso de recursos da poupan\u00e7a?<\/strong><\/p>\n<p style=\"text-align: justify;\">Regras atuais:<\/p>\n<ul style=\"text-align: justify;\">\n<li>65% dos recursos depositados na poupan\u00e7a s\u00e3o obrigatoriamente destinados ao cr\u00e9dito habitacional;<\/li>\n<li>20% s\u00e3o retidos pelo Banco Central, como dep\u00f3sito compuls\u00f3rio;<\/li>\n<li>15% permanecem livres para outras opera\u00e7\u00f5es dos bancos.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Per\u00edodo de transi\u00e7\u00e3o, de 2025 at\u00e9 janeiro de 2027:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Percentual de dep\u00f3sitos compuls\u00f3rios cair\u00e3o de 20%, para 15%. A diferen\u00e7a, de 5 pontos percentuais, ser\u00e1 aplicada no novo modelo.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Depois do per\u00edodo de transi\u00e7\u00e3o, a partir de janeiro de 2027:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Fim da obriga\u00e7\u00e3o de os bancos destinarem 65% dos dep\u00f3sitos da poupan\u00e7a ao cr\u00e9dito habitacional;<\/li>\n<li>Dep\u00f3sitos compuls\u00f3rios no Banco Central ser\u00e3o extintos;<\/li>\n<li>At\u00e9 100% do dinheiro aplicado na poupan\u00e7a poder\u00e1 ser usado no cr\u00e9dito habitacional.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><em><strong>Ag\u00eancia Brasil<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Medidas elevam limites e permitem uso do FGTS em im\u00f3veis mais caros A partir desta segunda-feira (13), a compra da casa pr\u00f3pria est\u00e1 mais acess\u00edvel.\u00a0Entraram em vigor as novas regras da Caixa Econ\u00f4mica Federal\u00a0para ampliar o acesso ao financiamento\u00a0habitacional.\u00a0As medidas devem injetar R$ 20 bilh\u00f5es no cr\u00e9dito imobili\u00e1rio e, segundo o banco,\u00a0financiar 80 mil novos [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":66841,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[68,637,57],"tags":[],"class_list":{"0":"post-66840","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-brasil","8":"category-economia","9":"category-politica"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.5 (Yoast SEO v27.4) - 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