Como compor a renda familiar para seu financiamento?

[{"selector":"#anim-177619ab-6bb8-457c-87c8-8826d4abe723","keyframes":{"transform":["rotate(-350deg) translate3d(-70.42254%, 0px, 0) rotate(350deg)","rotate(-350deg) translate3d(0px, 0px, 0) rotate(350deg)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e72d313-713e-4557-b43c-72b36ad8bc17","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0d935a4c-5558-427e-8927-3bb29631dc20","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-f8ba3929-b40d-4ab7-9558-101c94517c75","keyframes":{"transform":["rotate(-358deg) translate3d(-80.45775%, 0px, 0) rotate(358deg)","rotate(-358deg) translate3d(0px, 0px, 0) rotate(358deg)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-97f5bdfc-df80-4786-8524-1a40dc5106ac","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-25dfc371-6d17-4c2b-a0aa-a3d1d1474da7","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

A renda familiar é o total dos salários brutos de todas as pessoas que vivem na mesma casa.

[{"selector":"#anim-e7d634a0-5924-459d-a14e-ec8552efeb20","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-26adf37a-040f-41a0-9038-eea68e9a05c5","keyframes":{"transform":["rotate(-8deg) translate3d(-89.6861%, 0px, 0) rotate(8deg)","rotate(-8deg) translate3d(0px, 0px, 0) rotate(8deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d5169958-60bd-4345-8b86-c3c00cfd08ac","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6ecec3af-5f88-4404-b2c3-f13f7740ceac","keyframes":{"transform":["translate3d(0px, -164.64647%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Ela pode ser utilizada para financiar imóveis e participar de programas governamentais, como o Minha Casa, Minha Vida.

[{"selector":"#anim-faf3a1f0-ed68-4f1f-8725-1c795060b271","keyframes":{"transform":["rotate(-353deg) translate3d(-74.17476%, 0px, 0) rotate(353deg)","rotate(-353deg) translate3d(0px, 0px, 0) rotate(353deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0446877f-e20d-4fbb-8ec7-046ed3c54c05","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d20d8154-aea7-4a93-8e06-87f92ac2e9f8","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-5dc1db51-f7a9-483e-b3e8-ca56bedcf157","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-afe78c40-73b2-4ed2-b752-fcf83e972b34","keyframes":{"transform":["translate3d(0px, 150.48472%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Cada banco possui suas próprias regras. Alguns estabelecem um limite no número de pessoas que podem compor a renda.

[{"selector":"#anim-6caa9408-bc2a-44cb-bead-62e381c6f8c8","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-78b70ace-8816-4a43-9a39-86983aea8be2","keyframes":{"transform":["rotate(-8deg) translate3d(-90.13453%, 0px, 0) rotate(8deg)","rotate(-8deg) translate3d(0px, 0px, 0) rotate(8deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1232c546-47d8-4688-8701-c38559612ac5","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-10437e47-e90f-4e78-9f7c-47e6fd96d65c","keyframes":{"transform":["translate3d(0px, -131.96773%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Além do cônjuge e filhos, padrasto, madrasta, pais, sogros, irmãos, tios e primos também podem contribuir

[{"selector":"#anim-49810f01-c21a-4a84-a4e2-28fd00d86868","keyframes":{"transform":["rotate(-353deg) translate3d(-75.6385%, 0px, 0) rotate(353deg)","rotate(-353deg) translate3d(0px, 0px, 0) rotate(353deg)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-de1ce265-cdab-4464-9f87-7189abee8a80","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-70826817-b955-42b3-a1db-69bfffda35e0","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-2a2483ca-c7c2-4510-b0ee-e28d26deb3c2","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8ce004e4-c75d-4f57-b31d-3dd3393160f7","keyframes":{"transform":["translate3d(0px, 133.08506%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Para comprovar a renda familiar é necessário reunir os documentos corretos. Esta lista pode variar de acordo com a ocupação de cada familiar

[{"selector":"#anim-39d01fc8-9663-4663-92b5-838e7f39b665","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b12f3f9e-8ee6-4bdb-807c-cabbacbb2c31","keyframes":{"transform":["rotate(-8deg) translate3d(-89.91031%, 0px, 0) rotate(8deg)","rotate(-8deg) translate3d(0px, 0px, 0) rotate(8deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-35248f35-2525-4e38-bd6a-93ae7c3370a8","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-34bf48d1-3f42-4218-9955-32bf0f8a1b8b","keyframes":{"transform":["translate3d(0px, -127.37906%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

É possível utilizar holerites, declarações de imposto de renda, comprovantes de aposentadoria, contratos de estágio, entre outros.

[{"selector":"#anim-8365e917-749a-4485-957b-8870df144a53","keyframes":{"transform":["rotate(-353deg) translate3d(-75.6385%, 0px, 0) rotate(353deg)","rotate(-353deg) translate3d(0px, 0px, 0) rotate(353deg)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-03f612a7-48a1-4f9d-9b68-3e44682de967","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8e9aaa85-a85d-464c-88a3-247e008cac88","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-2a5b0755-fd49-4234-85d8-f66e07538558","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2f167e83-3f63-42ee-a679-ea8b9d23632e","keyframes":{"transform":["translate3d(0px, 131.96773%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Confira algumas dicas de como compor corretamente a renda familiar no artigo completo no Sonhar&Morar!

[{"selector":"#anim-41517efb-2d5b-41c8-b125-b641f3e1e0be","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e723acee-3c18-4dde-a272-273f0514f727","keyframes":{"transform":["translate3d(-120.06803%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Clique aqui