COMO CONSTRUIR UMA CASA PELA CAIXA EM 2024? | Passo a passo do financiamento de terreno e construção

Summary

This video script provides a comprehensive guide on acquiring a house in 2024 through construction financing from the Caixa Econômica Federal. It highlights two main financing modalities: construction on one's own land and the combined acquisition of land and construction. The script details the step-by-step process, from credit approval to signing the financing contract, emphasizing the importance of engaging with a Caixa correspondent and understanding the rules of construction financing. It also discusses the strategy of selling the finished house as a smart investment with low capitalization, catering to viewers interested in constructing homes for living or selling.

Takeaways

• 🏢 The video is an updated guide on financing home construction through Caixa Econômica Federal in 2024.
• 🏠 It discusses two main financing modalities: construction on one's own land and acquisition of land and construction.
• 📝 The process involves several steps including credit approval, land purchase agreement, project approval, and construction financing.
• 🔍 Credit approval is the first step, assessing the amount of financing available based on personal documentation and financial status.
• 📐 For land and construction financing, a land purchase agreement is necessary, with the bank paying up to 80% of the land value after the financing contract is signed.
• 🏗️ Projects required by the bank include legal architectural plans and possibly additional structural, sanitation, and waterproofing plans.
• 📋 The PCI (Individual Construction Proposal) is a crucial document outlining the physical and financial schedule of the construction work.
• 🏦 After project approval and obtaining a construction permit, the financing application is submitted to Caixa for engineering evaluation.
• 🖋️ The contract signing involves the homeowner and the land seller, and after signing, the ITBI (real estate transfer tax) must be paid.
• 📁 The registration of the financing contract is done at the city's general registry of real estate, marking the land as mortgaged to Caixa.
• 💰 The bank pays the financing amount in installments according to the PCI, with the final 5% paid after construction verification and property registration.
• 🔑 The video also highlights the strategy of constructing homes to sell them afterwards, which can be a profitable venture with low capital.

Q & A

What is the main topic of the video script?

The main topic of the video script is about the process of financing the acquisition of land and construction through Caixa Econômica Federal in 2024.

What are the two main modalities of construction financing mentioned in the script?

The two main modalities of construction financing mentioned are financing construction on one's own land and financing the acquisition of land and construction as a single process.

What is the purpose of the 'Contrato de Promessa de Compra e Venda' in the financing process?

The 'Contrato de Promessa de Compra e Venda' is used to formalize the agreement to purchase the land, ensuring that the bank will pay up to 80% of the land value to the seller after the financing contract is signed and registered.

Why is it important to have a correspondent from Caixa Econômica Federal in the financing process?

Having a correspondent from Caixa Econômica Federal is important because they act as a liaison between the client and the bank, facilitating the credit approval process and ensuring that the client receives accurate information and guidance.

What is required for a person to be eligible for construction financing from Caixa Econômica Federal?

To be eligible for construction financing, a person must have a clean credit history, proven income, and not have any active financing with Caixa Econômica Federal. It is also for individuals looking to build single-family residences.

What is the 'Planilha de PCI' and why is it important in the financing process?

The 'Planilha de PCI' is an individual construction proposal form that outlines the physical and financial schedule of the construction work. It is important because it details the cost of the land, the construction budget, the execution timeline, and the expenses for each phase of the construction, which the bank uses to evaluate the financing request.

What is the role of the 'Alvará de Construção' in the construction financing process?

The 'Alvará de Construção' is a construction permit issued by the city hall, which is required before starting the construction work. It is necessary to obtain this permit before applying for the engineering phase of the financing process with Caixa Econômica Federal.

What is the process after signing the financing contract with Caixa Econômica Federal?

After signing the financing contract, the client must go to the city hall to issue the ITBI (Imposto de Transmissão de Bens e Imóveis) for the land and then take the contract and ITBI to the General Registry of Real Estate to register the financing contract.

How does the payment process work during the construction financed by Caixa Econômica Federal?

The payment process works through reimbursements based on the completion of construction phases outlined in the PCI. The bank pays for each phase after the client proves the completion of that phase with a 'Planilha de Levantamento de Serviço'.

What is the final step in the construction financing process after the work is completed?

The final step is the averbation of the construction, where the client goes to the Registry of Real Estate to update the records to reflect that the land now has a completed house. After presenting the necessary documentation to the bank, the final 5% of the financing is released, and the contract moves from the construction phase to the amortization phase.