How does the interest rate reduction at caixa help the sale of real estate?

Brokers who deal with the sale of real estate in the market should be aware of all the changes that occur in the sector or in others that involve the real estate niche, such as the economy. The interest rates that the property purchase covers make all the difference for consumers who want to buy a home to live. Recently, Caixa Econômica Federal announced a reduction in interest rates, which may help in the sale of developments.

Each banking institution has its own methodology and specific fee amounts, but they all tend to follow the trends that CEF imposes, which makes it possible to predict that other banks may also lower the interest rate, whether for used, new properties and even on the plant.

Another value that decreased was the Selic (Brazilian basic interest rate), a process carried out by the Central Bank of Brazil and, with this, the downward trend is even greater. The type of system that the customer will use can affect the variation of home payment – SFI (Real Estate Financial System) or SFH (Housing Finance System) – as well as whether or not the person is a bank account holder or public servant.

Values ​​defined by Caixa for SFH

To fit the profile of the system that regulates most of the financing in Brazil, the owner must be aware that the residence must cost up to R $ 750 thousand in São Paulo, Minas Gerais, Rio de Janeiro and the Federal District, and R $ 650 thousand in the other districts. The rates decreased by 0.25 percentage points, as follows:

• Customers without a current account at Caixa: dropped from 11% to 10.75%.
• Bank customer: decreased from 11.5% to 11.25%.
• Non-Caixa customer: dropped from 12.5% ​​to 12.25%.
• Public servants: decrease from 15.5% to 11.25%.
• Public servants with a link in the box: dropped from 11% to 10.75%.

People who receive their wages at the agency and want to purchase a property with Caixa financing for the construction, can see an even greater drop in interest rates. In this case, the rate went from 11.25% to 9.75% in the SFH and from 12.5% ​​to 10.75% by the SFI.

Values ​​stipulated by Caixa for SFI

The Real Estate Financial System regulates processes that do not fit the values ​​of the Financial Housing System and, normally, serves to guide costs for large institutions and investors. The values ​​also fell 0.25 percentage points, according to specifications:

• Customers without a checking account at Caixa: dropped from 12.5% ​​to 11.75%.
• Bank customer: decreased from 11.5% to 11.25%.
• Non-Caixa customer: dropped from 12.5% ​​to 12.25%.
• Public servants: decrease from 15.5% to 11.25%.
• Public servants with a link in the box: decreased from 11% to 10.75%.

Drop in minimum value

In addition to lower interest rates, Caixa Econômica also announced a measure for people who intend to acquire low-cost or popular properties, whether new or used. For this type of housing, the minimum financing amount fell in the Brazilian Savings and Loan System (SBPE) from R $ 100 thousand to R $ 80 thousand.

Some banks, like the cashier, for example, try to facilitate the transactions of those who want to buy a home and the reduction of fees, even though it is not so aggressive, offers a “breath” to the market and can be used as a justification by the broker to inform the customer the good time to invest in the purchase of properties for sale available on the market. Did any questions arise? Leave a comment for us.