Financiamento imobiliário para autônomos

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Você tem o sonho de comprar seu primeiro apê, mas é um profissional autônomo? Saiba que é possível conseguir um financiamento imobiliário mesmo trabalhando por conta.

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Há diversas forma de financiar um imóvel. O Sistema Financeiro de Habitação (SFH) é uma opção para compra de imóveis até R$ 1,5 milhão, com prazos de pagamento de até 35 anos e juros limitados a 12% ao ano.

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No Sistema Financeiro Imobiliário (SFI) há maior flexibilidade em taxas de juros e prazos, permitindo financiar até 100% do valor do imóvel, sem limite de valor.

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O Programa Minha Casa, Minha Vida é voltado para a primeira moradia, oferecendo subsídios e taxas diferenciadas para quem ganha até R$ 8 mil por mês.

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Um dos pontos fundamentais para acessar o financiamento, e que gera dúvidas entre os profissionais autônomos, é como comprovar renda.

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Neste caso, você pode utilizar extratos bancários, declarações de Imposto de Renda, recibos de pagamento ou DECORE

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Além disso, é necessário apresentar documentos pessoais, certidões negativas de débitos e a documentação do imóvel, como registro de propriedade e IPTU.

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Mas atenção: a parcela do financiamento não deve ultrapassar 30% da renda. Além disso, todos os envolvidos devem ter o nome limpo e sem restrições de crédito.

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Confira os detalhes na matéria completa no S&M

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