Entenda o Financiamento de Construção em Terreno Próprio | Atualizado 2024

Summary

This video script discusses two main housing financing options by Caixa Econômica Federal for 2024: acquisition and construction financing, which includes land purchase, and construction on owned land. It clarifies that construction financing is actually real estate financing, with banks funding up to 80% of the property value. The script highlights the importance of understanding the financing process, especially for those with owned land, and mentions changes in regulations that affect financing modalities. It also provides insights into the steps of the financing process, from credit approval to contract registration, and the difference in funding between the SBPE and Minha Casa Minha Vida programs.

Takeaways

• 🏡 The video covers two main financing options from Caixa Econômica Federal: acquisition of land and construction, and construction on land that the borrower already owns.
• 📈 For the construction on owned land, financing can cover up to 100% of the construction cost if the borrower meets the income requirements, but this applies only under the SBPE (Sistema Brasileiro de Poupança e Empréstimo) system.
• 💰 Under the Minha Casa Minha Vida program, even if the borrower owns the land and has sufficient income, Caixa only finances up to 80% of the construction cost.
• 📜 To qualify for the construction on owned land financing, the land must be in the borrower's name and free of any financial encumbrances or liens.
• 🔍 If the land is financed or has a lien, the borrower must first settle that before applying for construction financing on owned land.
• 📊 The financing process involves credit approval, project planning, submission of project details (including a physical-financial schedule), and Caixa’s engineering review before the contract is finalized.
• 🏠 Financing amounts are typically disbursed in stages, as the construction progresses, and are based on completed milestones defined in the PCI (Proposta de Construção Individual).
• ⚠️ Borrowers should plan to have at least 20% of the construction costs available as personal resources to cover initial expenses before reimbursement from Caixa.
• 📚 For detailed guidance on financing, the presenter offers a course called 'Capacitação Financiamento Inteligente' that provides in-depth training and support.
• 🔔 The presenter advises viewers to stay updated on the channel, as financing rules frequently change, and new updates will be shared regularly.

Q & A

What are the two main types of Caixa Econômica Federal construction financing?

The two main types of financing are: 1) Financing for land acquisition and construction, where both the land and construction are financed together in one process, and 2) Financing for construction on land you already own, which covers just the construction.

How does the Caixa financing process work for people who already own land?

If you already own the land, the financing covers up to 100% of the construction costs, provided the land's value represents at least 20% of the total property value. For example, if the total property value is R$500,000, and the land is worth R$100,000, the bank can finance 80% of the total value, which equates to 100% of the construction cost.

What is the difference between financing through SBPE and Minha Casa Minha Vida programs?

With SBPE, if you have sufficient income and own the land, you can finance 100% of the construction. However, in the Minha Casa Minha Vida program, even if you own the land and have the necessary income, the bank will only finance up to 80% of the construction costs.

Can you finance construction on a piece of land that is still being paid off?

No, if the land is still financed or alienated to a bank or construction company, you cannot use the construction financing. You need to fully pay off the land first. However, if you are making payments under a contract without fiduciary alienation, you can apply for land acquisition and construction financing.

What steps are involved in Caixa's construction financing for land you already own?

The steps include: 1) Credit approval to assess how much financing is available based on income; 2) Developing construction plans and the PCI (Individual Construction Proposal), which includes a financial and construction timeline; 3) Submitting the project for Caixa's engineering review; 4) Signing the financing contract and registering it with the real estate registry.

How is the financed money released during the construction process?

The financing amount is released in stages based on the percentage of the construction completed. For example, if 10% of the construction is finished in the first month, the bank releases 10% of the approved loan. The process continues based on the completion of each construction stage.

Can you get an upfront payment for construction costs?

Yes, but only under SBPE financing without using FGTS. In this case, you can receive an advance of up to 20% of the total financing, limited to the first two stages of construction. After that, payments are made through reimbursements.

What is the importance of the PCI (Individual Construction Proposal) in the financing process?

The PCI is essential because it divides the construction into stages, helping to manage the timeline and financing. Each stage corresponds to a percentage of the total project, and it determines how and when the bank releases funds for construction.

What should you consider before starting a financed construction project?

It is recommended to have at least 20% of the construction cost in personal funds. This ensures you can cover initial construction expenses while waiting for the bank's reimbursements based on completed work stages.

What are the final steps after signing the financing contract for land you own?

After signing the contract, it must be registered with the Real Estate Registry to formalize the alienation of the property to Caixa. Once registered, you can begin the construction process.