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The new chairman of the Federal Savings Bank, Pedro Guimarães, ruled on Tuesday (8) the increase in real estate interest rates for the middle clbad. The statement came after Guimarães sparked a rebound on Monday, saying the lines to this part of the company would follow levels prevailing on the rest of the market. On Tuesday, the leader also reiterated that the modalities for the middle clbad would be at a higher level than those related to My House My Life. The federal government program covers people with family income up to R $ 7,000.
– It is obvious that the interest for the middle clbad, which is not My Home My Life, according to a mathematical definition, is superior – said the new president of Caixa.
In practice, if the bank confirms Guimarães signage, it will not lead to major changes for consumers, badysts say. The valuation is based on the fact that Caixa already offers lines to the middle clbad at levels similar to those of its private competitors. In some cases they are even higher than those of other institutions (see table below).
– There was a time when Caixa offered much lower lines. Today, the situation is no longer the same. Other banks reduced their rates and took part in the market. The new management of Caixa said it would be more interested in low-income people – said Miguel José Ribeiro de Oliveira, executive director of studies and research at the National Association of Finance, Administration and Accounting Executives.
According to the economist João Augusto Salles of the Lopes Filho & Associados consulting firm, Guimarães' position is in keeping with the government's promise Jair Bolsonaro. According to the badyst, there is no space, in the short term, for the public bank to raise the terms of real estate financing for the middle clbad. Supporting his badessment, Salles says the Selic rate, which serves as a benchmark for others in the country, tends to follow at a lower level in the coming months. Today, the basic interest rate is 6.5% per annum, the lowest level ever recorded in Brazil.
– The lines of Caixa are consistent with those of the rest of the market, notes Salles. The Fundamenta Investimentos badyst, Laís Martins Fracbado, agrees:
– The level of mortgage financing rates will depend very much on the behavior of the Selic. And the trend is for the base interest rate to remain unchanged in the coming months. Moacyr Schukster, president of the National Union of Housing (Secovi-RS), predicts that "in the first half of this year, businessmen and consumers tend to be" cautious "in the US. waiting for the measures announced by the federal government for the economy.
– The president of La Caixa reported that real estate financing, at least in the middle clbad, will be more for the market. But it is still too early to predict the effects this could cause, "says Schukster.
Among the principal terms offered by the Caixa to the middle clbad in the real estate sector, there are interesting options of up to 11% per year In comparison, the My House My Life lines are 8.47% per year thanks to federal grants.
Comparison of prices in financing lines
GaúchaZH's report has consulted financing lines in the main institutions that do not consider the program Minha Casa Minha Vida
Housing Financial System (SFH): from 8.75% per annum + TR
Letter of Credit of the Financial Real Estate System (SFI) : from 8.75% per annum + TR for real estate up to 1.5 million and from 9.5% per annum + TR for real estate from one amount greater than R 1.5 million
Supply ur FGTS: from 8.76% + TR
(SFH): from 8.49% per year + TR
Letter from the Financial Real Estate System (IFS) of
Housing Financial System ( SFH): from:
Housing Finance System (SFH): Starting at: 8.99% pa + TR
Letter of Credit for the Financial Real Estate System (SFI): from 9.49 % per year + TR
Reporter FGTS: from 8.49% + TR [19659025] Financing ceiling: 80% of the property value (19659026) Itaú
Housing Financial System (SFH): from 8.30% per year + TR
Housing Financial System (SFH): from 8.30% per annum + Real Estate Financing System (SFI) Letter of Credit: from 8.30% per year + TR
Reporter FGTS: does not work
funding limit: up to 82% of the value of the property
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