Nova Mudança no Financiamento Pode Prejudicar Investidores | Entenda o Impacto!

Summary

In this video, Jorge discusses significant changes in Caixa Econômica Federal's mortgage financing policies, which will impact homebuyers in Brazil. These changes include a R$1.5 million cap on mortgage amounts, restrictions on taking out multiple mortgages with Caixa, and increased down payment requirements. The reduction in financing percentages—70% for the SAC method and 50% for the Price method—means that buyers will need to pay higher upfront costs. Jorge suggests exploring financing alternatives from private banks like Santander, Bradesco, and Itaú, while emphasizing that such changes are temporary and may return to normal in the future.

Takeaways

• 😀 The Caixa Econômica Federal is making changes that negatively impact mortgage financing in Brazil.
• 😀 One of the major changes is a new maximum limit of R$ 1.5 million for properties financed through the SBPE system.
• 😀 If you already have an active mortgage with Caixa, you will no longer be able to take out another loan with SBPE funding.
• 😀 The Caixa is reducing its available credit, which is limiting the amount of money it can lend for mortgages.
• 😀 The restriction on SBPE financing now applies to all types of properties, including land and construction, and not just new or used homes.
• 😀 For properties financed through the SAC (Constant Amortization System), the maximum financing has been reduced from 80% to 70%. This means a larger down payment is required.
• 😀 The Price financing system also faces tighter rules, with the maximum financing limit reducing from 70% to 50%, forcing buyers to put down half of the property's value upfront.
• 😀 These changes are expected to make it harder for people to afford properties, especially due to the higher down payment requirements.
• 😀 While Caixa is tightening its lending rules, other private banks like Santander, Bradesco, and Itaú may offer more favorable terms, making them viable alternatives for financing.
• 😀 Despite these changes, the market is expected to stabilize, and Caixa's restrictions may eventually return to normal after some time, based on past trends.

Q & A

What is the main topic of the video?

The main topic of the video is about the recent changes in the financing policies of Caixa Econômica Federal and how these changes may affect the real estate market in Brazil.

What specific changes in financing were introduced by Caixa Econômica Federal?

The changes include a cap on the maximum value of properties that can be financed (R$1.5 million), a restriction on having more than one active financing with Caixa, and a reduction in the maximum percentage of the property value that can be financed (from 80% to 70% for SAC, and from 70% to 50% for Price amortization).

Why is Caixa reducing the amount of available credit?

Caixa is facing a shortage of available funds to lend, so it is applying stricter rules to reduce the number of loans granted and limit its exposure. This is part of a strategy to manage the available credit in the system.

How does the R$1.5 million financing cap impact home buyers?

Home buyers are now limited to financing properties worth a maximum of R$1.5 million through Caixa's SBPE (Brazilian Savings and Loan System), which could affect those looking to buy more expensive properties.

How has the rule regarding having more than one active financing changed?

Previously, it was possible to have multiple active financings with Caixa, provided the individual's income supported it. However, under the new rules, individuals can only have one active financing with Caixa at a time.

What does the reduction in the maximum financing percentage mean for buyers?

The reduction in the maximum financing percentage means buyers will need to provide a larger down payment. For example, those using the SAC system now need to put down 30% instead of 20%, and those using the Price system must pay 50% upfront instead of 30%.

How does this change impact the types of financing (SAC vs. Price)?

For SAC financing, the maximum percentage that can be financed has decreased from 80% to 70%, requiring a 30% down payment. For Price financing, the maximum financing percentage has dropped from 70% to 50%, requiring a 50% down payment.

Will these changes apply to all types of property financing?

Yes, the changes apply to all properties financed through Caixa, including new and used properties, as well as properties bought with the intention of building on land (Terreno e Construção).

What alternative solutions are available for buyers now that Caixa's financing terms are stricter?

With Caixa's terms becoming more restrictive, buyers can explore other banks like Santander, Bradesco, and Itaú, which may offer more attractive financing terms, especially if they maintain higher financing limits.

How do the changes affect the real estate market, particularly for those buying at auction?

For those buying properties through judicial auctions, there are no changes in the financing options, as the restrictions only apply to regular SBPE loans. This could make auction properties more attractive as financing conditions remain unchanged for them.