Perguntas frequentes

Real estate financing is a line of credit intended for those who wish to buy property.The bank handles the entire financing process – from credit approval to property analysis and legal review to contract issuance – and we at Reiback Digital mediate this entire process between you and the bank , facilitating and simplifying the entire financing process for our clients, whether individuals or legal entities, and the banks.Simulate your financing and find the best rate on the market.

Documentation checklist for obtaining financing:RG;CPF;Employment Permit;Proof of address;Income Tax Return;Civil status certificate, birth certificate or marriage certificate;Payslip (or any document proving income);FGTS statement (if you wish to use it to finance the property).

There are four types of real estate financing currently in effect in the country: the Housing Finance System (SFH), financing directly with the construction company, mortgage portfolio financing, and the Real Estate Financing System.Basically, the difference between each type lies in the interest rate, the resources that can be used to pay/amortize the debt (such as savings and FGTS, for example), and the index used for adjustment.

Yes, it's possible. To obtain financing, you need to meet certain criteria depending on the mortgage financing method.If the client chooses to obtain financing through a bank or any financial institution, they must have sufficient income to cover the requested loan amount, have no credit restrictions, and submit all required documentation. In this case, the monthly payments cannot exceed 30% of their net income.

Here at Reiback Digital we are a multi-bank partner, which allows us to offer our clients the lowest rates on the market charged by banks. Today, rates start from 6.9% per annum.

This can vary depending on the documentation requested by the bank, how many buyers are involved in the process, and other factors. At Reiback Digital, we do our best to expedite the entire process for our clients in the shortest time possible.

All people over the age of 18;No financial restrictions;CLT (Consolidation of Labor Laws), PJ (Legal Entity), and Self-Employed.

This depends on each bank. We work with financing for up to 420 months.

Yes, there are some rules for putting together a loan budget, and each bank has its own requirements.Furthermore, it is worth noting that all requirements made by the bank regarding proof of income and credit risk analysis apply to all individuals who are part of the income composition.

As a rule from the Central Bank, you can finance up to 80% of the property value (some banks may finance a higher amount depending on the bank's analysis). The down payment must be made with your own funds, which can include savings or FGTS (Brazilian employee severance fund).

Yes, you can use your FGTS (Brazilian employee severance fund) to pay part of the property as a down payment or to amortize the mortgage during the financing period, according to FGTS rules.To be an urban residential property;Intended for housing for the FGTS account holder;To be habitable;Have an up-to-date property registration at the relevant land registry office;Not having been purchased with FGTS (Brazilian employee severance fund) by the previous owner less than three years ago;Maximum appraisal value of up to R$ 1.5 million for all states in Brazil.

Yes, there are two.MIP (Death and Permanent Disability Insurance) works like life insurance for buyers;DFI (Property Damage Insurance) This insurance covers any damage to the physical integrity of the house or apartment.

Yes, self-employed workers (PJ/Freelance) can also obtain a mortgage, provided they can prove their income.In the absence of a payslip, this proof can be provided through a service contract, receipts for services rendered, a statement from the category's union, an income tax return, or a statement proving receipt of income prepared by an accountant.

Today at Reiback Digital you can finance your property through Bradesco, Santander, Itaú or Banco Bari banks.

In addition to the down payment for the property, there are the following costs:Assessment FeeThis is a mandatory cost regulated by the Central Bank of Brazil (BACEN) for the start of a mortgage or real estate loan. The amount may be debited from the current account provided by the client on the form or may be included with the loan. This fee is charged by the bank granting the loan.ITBIIt is the Property Transfer Tax, which will be paid to the municipal government (City Hall) and is calculated based on the assessed value of the property, enabling the transfer of ownership to the buyer.IOFThis is the tax paid when obtaining mortgage credit for non-residential properties acquired by individuals and/or legal entities. The corresponding amount cannot be financed and must be charged via direct debit from a current account.Notary feesCosts charged by the property registration service for formalizing the fiduciary alienation guarantee in the property's registration. The amount varies according to each registry office in its district.