Crédito imobiliário: como funciona para comprar um apê

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Primeiramente, entenda a diferença entre crédito imobiliário e financiamento.

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Ambos se referem a pegar um empréstimo com uma instituição financeira para pagar um imóvel.

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O crédito imobiliário é concedido com base na capacidade financeira do comprador, podendo chegar a 80% do valor do imóvel.

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Já o financiamento imobiliário envolve mais etapas, especialmente quando é feito por meio de programas do governo – como o Minha Casa, Minha Vida.

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Avalie se você atende aos requisitos mínimos para obter o crédito.

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São eles: renda estável, um bom histórico de crédito e uma porcentagem adequada de entrada.

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