Etapas FINANCIAMENTO IMOBILIARIO CASA VERDE E AMARELA e SBPE para FINANCIAR IMÓVEL pela CAIXA 2022

Summary

This video explains the intricate process of real estate financing, covering the key stages from simulation and credit analysis to property evaluation and contracting. The speaker walks through land acquisition and construction financing, as well as the process of building on one's own land. Key steps include legal and technical analysis, project viability checks, and payment disbursement. The video provides valuable insights into managing construction budgets and ensuring successful financing approval. Viewers are guided through both the technical and legal complexities involved, making it an essential resource for understanding real estate financing.

Takeaways

• 😀 The first step in the real estate financing process is to simulate the financing, helping clients understand their eligibility.
• 😀 Credit analysis is crucial to ensure that the client has the financial capability to repay the loan. If not, they must find a cheaper property.
• 😀 Legal, technical, and property evaluations are conducted to assess the viability of the project. These evaluations ensure the property is suitable for financing.
• 😀 Economic viability assessments are made based on these evaluations. If the property is deemed economically viable, the process continues; if not, it returns for adjustments.
• 😀 Once viability is confirmed, a financing contract is signed by the bank, client, and land seller. This contract must be registered at the real estate registry office.
• 😀 The bank releases the land payment once the contract is registered, allowing construction to begin. The construction is funded in stages, with payments tied to completed milestones.
• 😀 Clients should be cautious about paying only the interest on the loan while construction is ongoing, as this can lead to financial difficulties.
• 😀 After construction is completed, the final 5% of the financing is released upon endorsement by the bank and the property's registration at the real estate office.
• 😀 For construction on owned land, the process skips the land evaluation step, focusing only on evaluating the property after construction is finished.
• 😀 The acquisition of a finished property is a simpler process, involving fewer steps and a faster turnaround. The focus is on the legal and technical analysis of the property.
• 😀 Clients must ensure all proper documentation, like the execution certificate, is in place to ensure the property meets the necessary legal and technical standards.

Q & A

What is the first step in the real estate financing process?

The first step is the simulation of financing, which helps determine the financial feasibility of the project.

Why is credit analysis an important part of the real estate financing process?

Credit analysis is crucial to assess whether the client has the financial conditions to pay for the financing. If not approved, the process stops and alternative options must be explored.

What happens if a client’s credit is not approved during the financing process?

If the client's credit is not approved, the process halts, and the client must either find a cheaper property or resolve any restrictions that may prevent financing.

What is the role of legal and technical analysis in real estate financing?

Legal and technical analyses assess the legal status of the property, its structural integrity, and other factors necessary to determine its feasibility for financing.

How does the bank determine if a project is viable for financing?

The bank uses information from legal, technical, and property evaluations to determine the economic viability of the project. If the project is not viable, it returns for further adjustments.

What steps are involved in the contracting phase of real estate financing?

In the contracting phase, the bank, client, and land seller sign the financing contract. The contract is then registered at the real estate registry office, and the bank releases the payment for the land.

What happens after the construction of the property begins in the financing process?

After construction begins, payments are released in stages based on the work completed. The progress is measured, and the client follows the construction plan to ensure everything is built as per the schedule.

What is the significance of the final 5% installment in the construction process?

The final 5% installment is withheld by the bank until the completed construction is endorsed and registered with the property registry. Once this is done, the last installment is released to the client.

What should clients be aware of during the construction phase regarding financing payments?

Clients should be aware that if the construction is not completed or endorsed, they will only be paying interest on the financing. The principal repayment starts only after the project is fully finalized.

How does the process differ when constructing on your own land versus acquiring a finished property?

When constructing on your own land, the focus is on evaluating the client's property and the construction project. In contrast, acquiring a finished property involves evaluating the market value and ensuring the construction meets all legal requirements.