Good time to buy home
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Pack My House, My Life "enters into force today, with low interest rates and subsidies. Learn how to simulate your credit
Rio - Interested in buying a house by the program "My House, My Life ', the federal government to create jobs and overcome the effects of global economic crisis, they can make their funding from across the country today Those who rather stay ahead, they can see the conditions for funding the program - which offers special conditions for those who have income from 3 to 10 minimum wages - the site of the Caixa Econômica Federal. (www.caixa.gov.br).
Accessing the site, just enter the link 'housing' for which the borrower has information about the program. By clicking on 'phantom' is to know the value of monthly. Depending on the range of income you can get credit for a building of up to R $ 130 mil. The idea pleased the couple Carlos Eduardo Mendes dos Santos, 36 years old, and Ana Cláudia Mendes da Costa, 39. The couple lived rent in Duque de Caxias, I tried to buy a house, but the credit terms were different from today.
"We came to see a building under construction, but we back away discouraged and began to build. But buying is the most practical idea, mainly because in three months we have a baby, "says Ana Claudia. With the monthly income of $ 2.5 thousand, the couple could buy an apartment or house of two rooms in Duque de Caxias for U.S. $ 40 thousand - for this value, the federal government to pay U.S. $ 6,366 of grant. With the program, the couple paid the $ 33,634 remaining in 300 installments, the first of $ 280.28 and the other decreasing. The last installment would by $ 112. The couple would have to pay entry.
STEP BY STEP
SITE
The first step is to access the site of the Caixa Econômica Federal: www.caixa.gov.br.
HOUSING
The interest in buying a new property to enter the link housing, where you have tips for choosing the property, how to use the balance of the funding FGTS. You can also enter the book that explains, among other items, who can be benefited from the program, what values and maximum time of funding.
SIMULATOR
It is the place where he can put the desired value of the property and personal data such as income and date of birth. After completing this information, the applicant should click 'Next'. Another screen appears and the user must enter the first option 'Letter of Credit FGTS, My House My Life'. The program calculates the number of benefits and value of the entry, among other items. To check the value of the parcels, simply click CET.Planilha.
CHECK THE SIMULATIONS
30 MIL
The interested in buying a property that has value and income of $ 1,500, is the government subsidy of $ 21,420. That is, you have to pay $ 8,580 in 300 months. The initial installment will be $ 64.35
50 MIL
A family with monthly gross income of $ 1600 would grant the federal government in the amount of
R $ 19,915 in the purchase of a property valued at R $ 50 thousand. The rest of the unit value (U.S. $ 30,085) would be funded in 300 monthly installments. In the first installment, the borrower would have to pay $ 225.63. At last, the value would be $ 100.70. Calculated on the option, the borrower of 32 years did not make entry. For this purchase, the maximum share of funding is 90% of the value of assessment of property.
99 MIL
With a monthly income of $ 2,700, he could buy a property of this value at 300 months, with benefits starting at R $ 797.
115 MIL
With income of $ 4000 monthly you can buy a residential property of $ 115mil in 360 months. Without entry, the initial installment will be $ 1123.10. The last installment will have the value of $ 343.27.
130 MIL
A person with income of $ 4600 pay a maximum value of the property in the financing of the program in 360 months. Without entry, the first tranche will be $ 1266.77.
Source: The Day
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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