Juros imobiliários: tudo o que você precisa saber

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Juros imobiliários são taxas aplicadas sobre o valor financiado para a compra de um imóvel, refletindo o custo do crédito.

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Os juros podem ser fixos – que permanecem constantes; ou variáveis – que se ajustam conforme índices de mercado como IPCA, TR ou Selic.

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As taxas de juros são classificadas em nominal (fixa), real (ajustada pelo IPCA) e efetiva (que considera a capitalização).

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Já o Custo Efetivo Total (CET) vai além da taxa de juros, incluindo encargos e representa o valor total a ser pago no financiamento.

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A taxa Selic, definida pelo Banco Central, influencia as taxas de juros imobiliáriose e pode resultar em juros mais altos.

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Para comprar em 2024, pesquise as taxas, entenda o impacto do seu histórico de crédito e considere o score na negociação.

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Saiba mais sobre juros imobiliários na matéria completa no Sonhar e Morar!

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