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Reduction in the IPI of 40 products of construction materials and fall of interest rates to encourage families to build affordable finance reform or the house itself. Banks offer conditions facilitated

Ana D'Angelo

Rio - The reduction of the IPI (Tax on Industrialized Products) of a basket of 40 items of construction materials and falling interest rates benefit the economy who can afford to take loans to build their house or make that dream retirement. There are few banks that offer this type of financing, but you can get credit with interest rates between 4.5% and 11% a year, according to income, such as those offered for the purchase of property ready. Part of the funding can be used even to pay for the land.

For those who just want to make a reform or finish work late, an alternative faster and simpler is the loan for purchase of construction materials, offered by some banks.

With credit in hand to interest more into account, employees can negotiate with the discount store business, paying for services and materials in view. If a partial purchase with shops, bear interest monthly over 3%. When taking loan for the entire work with the banks, laden with interest of around 0.5% to 1% per month, already included the update for the TR (Referential Rate), which is in decline.

As survey done by the day, the Caixa Economica Federal is the institution which offers the best conditions for funding for works of residential buildings. For those who have income up to $ 4900.00 you can build a house with a maximum interest of 8.16% per year more TR (currently around 1.45% per year). Give something around 0.82% per month. The new rules, the middle class can also get loans with reasonable rates and the market of 1% a month, I estimate the reference rate.

OPTIONS FOR FUNDED WORKS IN RESIDENTIAL BUILDINGS

1 - CONSTRUCTION, RENOVATION AND EXTENSION
Best for higher cost of the work and longer terms of payment. But it is more bureaucratic. It is need of several documents of the client, the land and the work that must be regularized: permits for construction / demolition approved project (plant / description etc) certificate of registration with the entire content of the lot of record in office buildings ; fees and charges relating to works.

CEF
Who has income of up to U.S. $ 4,900.00 has line of credit, with interest rates in different form Letter of Credit FGTS - including acquisition of land. It has the following conditions:

Interest Rate: 5% per year more TR (for income up to $ 2325.00) 6% per year (family income of $ 2,325.01 to R $ 2,790.00) 8.16% per annum ( family income of $ 2,790 to U.S. $ 4,900).

Amount financed: up to $ 130 thousand in the case of construction, and up to $ 70 thousand for retirement (real estate limited respectively to R $ 130 thousand and R $ 70 thousand).

Deadline for payment: up to 20 years (100% funded work), up to 25 and 30 years (up to 90% and 80% of the work funded), lack of 12 months to get paid to (time of completion of the work).

Warning: in case of retirement or expansion, that line is only for those with income up to $ 3000.00.

To work with the FGTS account for over three years (even if not followed), above rates are reduced by 0.5 percentage point.

Families with income over $ 4900.00 has two credit lines:

A) Pro-quota FGTS (who is entered in FGTS for over 3 years).

Interest Rate: 8.66% per year more TR.
Purpose: construction (including acquisition of land) or retirement.
Amount financed: up to 85% of the value of the property, limited to R $ 500 mil.
Deadline for payment: up to 30 years, with lack of 12 months to get paid to (time of completion of the work).

B) Line SBPE

Interest Rate: 8.9% a year (property up to $ 130 thousand), 10% (property over $ 130 thousand to 200 thousand U.S. $) 11% (property over $ 200 thousand) plus RT.
Purpose: construction (including acquisition of land) or retirement.
Amount financed: up to 80% of the value of the property (within 20 years) and up to 70% (period of 30 years), grace period of 12 months to get paid to (the work term).

BRADESCO
For any range of income conditions are:

Interest Rate: 11% per month more TR.
Purpose: Complete construction.
Amount financed: up to 70% of the property (cost of works) valued at up to R $ 500 thousand (work must be at least 30% of services running).
Deadline for payment: up to 23 years; grace of two months to start paying.

2 - MATERIALS OF CONSTRUCTION
Line of credit for purchase of construction materials in establishments accredited by the respective banks licensors, release quicker, without property or documents of the reform project / construction permit.
 

CEF
Construcard program also funds built cabinets, swimming pool solar heater and labor (up to 15% of total) in the following ways:

A) Construcard FGTS (form of letter of credit FGTS).
Maximum Income: up to $ 1900.00.
Amount financed: up to R $ 25 thousand (building up to R $ 70 thousand).
Interest Rate: 5% and 7.16% per year more TR (the sum between 6.5% and 8.5% per year or between 0.45% and 0.71% per month).
Term: up to 10 years.

B) Construcard Box
Interest Rate: 1.59% per month more TR.
Amount financed: no limit, determined as the ability to pay the customer for payment in up to 40 months (who may have partial financing housing by up to 5 years).
Grace: 2 to 6 months.

How it works: you have run up to 6 months to make purchases in accredited establishments (such period, pay only the interest for the time used for each value), including embedded closets, swimming pools and solar heaters.

Guarantees: up to $ 30 thousand or for customer with more than 3 months of account, does not require security, for the other cases, it requires endorsement or other guarantee, as the property.

BANCO DO BRASIL

Interest rate from 1.74% to 3.33% per month (as the term chosen and the establishment)
Amount financed: up to $ 20 thousand to pay up to 4 years.
How it works: customers choose a bank's establishment of construction material and arrangements VISA affiliated with the Bank of Brazil. At the time of purchase to pay through the BB Ourocard Visa or Visa, calls for funding by the CDC option.

BRADESCO

Interest Rate: 1.89% (six months), 2.19% (7 to 12 months), 3.29% (13 to 24 months), 3.69% (25 to 36meses), 3.79% ( 37 to 48 months).
Amount financed: up to $ 7000.00 up to 48 months.
Deadline: until 48 months.
How it works: Take your agency the budget done in one of the shops arrangements. The agency shall issue a permit to purchase. Then handed the note to the tax agency to sign the contract.


 



Source: The Day

This article was translated by an automatic translation system, and was therefore not reviewed by people.

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