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Faqs | Girassol Financiamentos imobiliários
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Dúvidas

A Girassol cobra alguma taxa ou tarifa para me ajudar com o Crédito Imobiliário?

Não, a Girassol não cobra nenhuma taxa ou tarifa. No entanto, você precisará pagar tarifas e outros custos para o banco, cartório e prefeitura para financiar o seu imóvel

Quero comprar o imóvel que atualmente eu moro de aluguel, tem como?

Sim. É como um processo de compra e venda normal. Você negocia o valor da transação com o vendedor do imóvel, efetua o pagamento de entrada e financia o restante do valor.

Posso usar meu FGTS para financiar um imóvel?

Sim, você pode usar seu FGTS para pagar parte do imóvel na entrada ou amortizar durante o financiamento de acordo com as regras do FGTS:

 

- Ser um imóvel residencial urbano.

- Destinar-se à moradia do titular do FGTS.

- Apresentar condições de habitabilidade.

- Ter registro de imóvel atualizado no cartório de imóveis competente.

- Não ter sido comprado com FGTS pelo proprietário anterior há menos de três anos.

- Valor de avaliação máximo de até R $1,5 milhão para todos os estados do Brasil.

 

É possível financiar 100% do imóvel, sem dar entrada?

Não. Isso depende das condições de momento de cada banco. Normalmente o limite é em 80% do valor do imóvel, mas alguns bancos, em determinadas situações, financiam até 90%. A diferença você deverá dar na entrada.

 

Por exemplo:

Para financiar um imóvel de R $200.000,00 é necessária uma entrada de pelo menos R $40.000,00.

Assim, seriam financiados R $160.000,00 (80%).

 

Quais os documentos necessários para fazer o financiamento imobiliário?

RG e CPF ou CNH
- comprovante de estado civil;( certidão nascimento,  casamento...)
-Comprovante de endereço atualizado, 
- 3 últimos holerites,
- Última declaração de Imposto de renda;
 -Se tiver renda extra q não conste no holerite e na  declaração de Imposto de Renda; enviar extratos bancários pessoa física dos últimos 90 dias e demais documentos que ajudem a identificar esta renda);

Qualquer pessoa pode fazer um financiamento imobiliário?

A princípio sim, mas é preciso preencher alguns critérios mínimos. Geralmente, as instituições financeiras avaliam se a renda do cliente é suficiente para pagar as prestações mensais e levam em consideração o comprometimento da renda com outras obrigações financeiras previamente assumidas, bem como as despesas necessárias para suprir o seu mínimo existencial.

 

Segundo o Banco Central, os bancos adotam como parâmetro o comprometimento de renda mensal máximo de 30%. Além desses critérios, os bancos podem fazer outras análises para conceder ou não o empréstimo.

O que é financiamento imobiliário?

O financiamento imobiliário é a linha de crédito destinada para quem deseja comprar o imóvel.

 

O banco realiza todo o processo de financiamento – desde a aprovação do crédito até a análise do imóvel e a análise jurídica até a emissão do contrato.

 

E nós da Girassol Assessoria facilitamos todo este processo, entre você e o banco, simplificando todo o financiamento entre os nossos clientes, sejam pessoas físicas ou jurídicas e os bancos.

 

Por que eu preciso da consultoria da Girassol para financiar meu imóvel?

Comprar um imóvel é uma aquisição de alto valor e tudo deve ser “colocado na ponta do lápis”. Para que você não caia em cilada, estamos aqui para te ajudar.

 

Nosso objetivo é ajudar você na negociação com os principais bancos, buscando as melhores condições para o seu perfil, salvando você de toda a burocracia que existe quando se quer adquirir um imóvel.

 

PRODUTOS COM TAXAS E PRAZOS QUE SE ADEQUAM A SUA REALIDADE!

 

Na Girassol você tem:

- 32 anos de experiência em mercado financeiro.

- 20 anos de atuação em financiamento imobiliário.

- Atendimento personalizado.

- Avaliamos seu potencial de crédito com agilidade.

- Te apresentamos as melhores ofertas e condições do mercado.

- Você pode enviar toda a documentação sem sair de casa.

- Emissão de contrato.

- Atenção do consultor em cada detalhe como: prazos, juros, taxas, amortização (pagamentos).

 

O consultor te acompanha do início ao fim na compra do seu imóvel, e o melhor, a CONSULTORIA É GRATUITA!

 

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Junte-se aos milhares de clientes que realizaram o sonho do imóvel!

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