{"id":31506,"date":"2021-08-16T20:33:30","date_gmt":"2021-08-16T20:33:30","guid":{"rendered":"http:\/\/economiasa.com.br\/?p=31506"},"modified":"2021-08-16T20:33:30","modified_gmt":"2021-08-16T20:33:30","slug":"o-be-a-ba-do-home-equity-tudo-o-que-voce-precisa-saber-para-ter-credito-mais-facil","status":"publish","type":"post","link":"https:\/\/economiasa.com.br\/blog\/o-be-a-ba-do-home-equity-tudo-o-que-voce-precisa-saber-para-ter-credito-mais-facil\/","title":{"rendered":"O b\u00ea-\u00e1-b\u00e1 do home equity: tudo o que voc\u00ea precisa saber para ter cr\u00e9dito mais f\u00e1cil"},"content":{"rendered":"

Encontrar\u00a0cr\u00e9dito<\/span><\/span>\u00a0f\u00e1cil<\/span>\u00a0e r\u00e1pido, com taxa vantajosa de juros e excelente condi\u00e7\u00e3o<\/span><\/span>\u00a0de pagamento pode parecer quase imposs\u00edvel. Mas essa modalidade existe e ganha cada dia\u00a0mais<\/span><\/span>\u00a0espa\u00e7o<\/span><\/span>\u00a0no Brasil.<\/p>\n

POR: Fernando Miranda<\/i><\/strong><\/p>\n

O<\/span><\/span>\u00a0home<\/span><\/span>\u00a0equity<\/span><\/span><\/i>,\u00a0mais<\/span><\/span>\u00a0conhecido como empr\u00e9stimo com im\u00f3<\/span><\/span>vel como garantia, est\u00e1 em alta e dados\u00a0do<\/span><\/span>\u00a0Banco Central indicam\u00a0que<\/span><\/span>\u00a0esse tipo de\u00a0cr\u00e9dito<\/span><\/span>\u00a0cresceu 61% em 2020 e teve aumento de 85% entre 2005 e 2020.<\/p>\n

\u00c9 a alternativa\u00a0mais<\/span><\/span>\u00a0recomendada\u00a0para<\/span><\/span>\u00a0que<\/span><\/span>m deseja\u00a0ter<\/span><\/span>\u00a0um dinheiro a\u00a0mais<\/span><\/span>\u00a0para<\/span><\/span>\u00a0realizar\u00a0o<\/span><\/span>bjetivos pessoais, tirar sua empresa\u00a0do<\/span><\/span>\u00a0papel\u00a0o<\/span><\/span>u at\u00e9 expandir\u00a0o<\/span><\/span>\u00a0neg\u00f3<\/span><\/span>cio. Mesmo assim, muitos usu\u00e1rios ainda t\u00eam d\u00favidas sobre\u00a0o<\/span><\/span>\u00a0assunto. Confira\u00a0o<\/span><\/span>s principais t\u00f3<\/span><\/span>picos sobre esta modalidade.<\/p>\n

1 \u2013\u00a0O<\/span><\/span>\u00a0que<\/span><\/span>\u00a0\u00e9\u00a0o<\/span><\/span>\u00a0home<\/span><\/span>\u00a0equity<\/span><\/span><\/i>?<\/b><\/p>\n

De forma simples, podemos entender como um tipo de empr\u00e9stimo em\u00a0que<\/span><\/span>\u00a0a pessoa\u00a0o<\/span><\/span>u a empresa\u00a0o<\/span><\/span>ferece um im\u00f3<\/span><\/span>vel pr\u00f3<\/span><\/span>prio como garantia, sendo ele residencial\u00a0o<\/span><\/span>u comercial. Assim, a institui\u00e7\u00e3o<\/span><\/span>\u00a0financeira tem\u00a0mais<\/span><\/span>\u00a0seguran\u00e7a na\u00a0o<\/span><\/span>pera\u00e7\u00e3o<\/span><\/span>\u00a0e prev\u00ea menor risco de inadimpl\u00eancia, possibilitando uma modalidade de\u00a0cr\u00e9dito<\/span><\/span>\u00a0com menores juros e prazos maiores de pagamento\u00a0do<\/span><\/span>\u00a0que<\/span><\/span>\u00a0o<\/span><\/span>utras categorias existentes. Com\u00a0o<\/span><\/span>\u00a0avan\u00e7o<\/span><\/span>\u00a0das\u00a0fintechs<\/i>, essa\u00a0o<\/span><\/span>p\u00e7\u00e3o<\/span><\/span>\u00a0se popularizou ainda\u00a0mais<\/span><\/span>\u00a0no pa\u00eds com a entrada de novos\u00a0players<\/i>\u00a0<\/i>e produtos.<\/p>\n

2 \u2013 Como funciona?\u00a0<\/b><\/p>\n

Ao fazer a simula\u00e7\u00e3o<\/span><\/span>\u00a0e aceitar as condi\u00e7\u00f5es, a pessoa f\u00edsica\u00a0o<\/span><\/span>u jur\u00eddica\u00a0que<\/span><\/span>\u00a0solicita\u00a0cr\u00e9dito<\/span><\/span>\u00a0em uma institui\u00e7\u00e3o<\/span><\/span>\u00a0financeira aceita colocar\u00a0o<\/span><\/span>\u00a0im\u00f3<\/span><\/span>vel como garantia de\u00a0que<\/span><\/span>\u00a0o<\/span><\/span>\u00a0empr\u00e9stimo ser\u00e1 pago. Esse movimento \u00e9 poss\u00edvel gra\u00e7as \u00e0 Lei de Aliena\u00e7\u00e3o<\/span><\/span>\u00a0Fiduci\u00e1ria,\u00a0o<\/span><\/span>nde\u00a0o<\/span><\/span>\u00a0devedor transfere a posse\u00a0do<\/span><\/span>\u00a0bem ao credor at\u00e9\u00a0que<\/span><\/span>\u00a0o<\/span><\/span>\u00a0valor da d\u00edvida seja pago.\u00a0\u00a0O<\/span><\/span>\u00a0tomador\u00a0do<\/span><\/span>\u00a0empr\u00e9stimo n\u00e3o<\/span><\/span>\u00a0precisa<\/span><\/span>\u00a0especificar a finalidade\u00a0do<\/span><\/span>\u00a0uso\u00a0do<\/span><\/span>\u00a0dinheiro, como\u00a0o<\/span><\/span>corre em\u00a0o<\/span><\/span>utras modalidades.<\/p>\n

3 \u2013 Quais as vantagens\u00a0do<\/span><\/span>\u00a0home<\/span><\/span>\u00a0equity<\/span><\/span><\/i>?<\/b><\/p>\n

As duas principais vantagens desse tipo de\u00a0cr\u00e9dito<\/span><\/span>\u00a0est\u00e3o<\/span><\/span>\u00a0relacionadas \u00e0s taxas de juros e ao prazo de pagamento. As taxas praticadas pelas institui\u00e7\u00f5es financeiras no\u00a0home<\/span><\/span>\u00a0equity<\/span><\/span><\/i>\u00a0est\u00e3o<\/span><\/span>\u00a0entre as\u00a0mais<\/span><\/span>\u00a0baixas\u00a0do<\/span><\/span>\u00a0mercado. A condi\u00e7\u00e3o<\/span><\/span>\u00a0para<\/span><\/span>\u00a0quitar tamb\u00e9m \u00e9\u00a0mais<\/span><\/span>\u00a0flex\u00edvel, com\u00a0mais<\/span><\/span>\u00a0meses e car\u00eancia\u00a0para<\/span><\/span>\u00a0o<\/span><\/span>s usu\u00e1rios.\u00a0O<\/span><\/span>utros benef\u00edcios s\u00e3o<\/span><\/span>\u00a0a rapidez no acesso ao dinheiro,\u00a0que<\/span><\/span>\u00a0pode ser usado como\u00a0o<\/span><\/span>\u00a0cliente quiser, sem\u00a0ter<\/span><\/span>\u00a0um uso espec\u00edfico atrelado \u00e0\u00a0o<\/span><\/span>pera\u00e7\u00e3o<\/span><\/span>; a adequa\u00e7\u00e3o<\/span><\/span>\u00a0de valores de acordo com sua realidade e toda a praticidade envolvida no processo.<\/p>\n

4 \u2013\u00a0O<\/span><\/span>\u00a0home<\/span><\/span>\u00a0equity<\/span><\/span><\/i><\/b>\u00a0<\/i>\u00e9 uma esp\u00e9cie de hipoteca?\u00a0<\/b><\/p>\n

N\u00e3o<\/span><\/span>, essas duas s\u00e3o<\/span><\/span>\u00a0modalidades distintas de\u00a0cr\u00e9dito<\/span><\/span>\u00a0imobili\u00e1rio. A hipoteca era uma modalidade\u00a0mais<\/span><\/span>\u00a0conhecida em filmes e s\u00e9ries de TV\u00a0do<\/span><\/span>\u00a0que<\/span><\/span>\u00a0utilizada no mercado brasileiro. Era burocr\u00e1tica e de alto risco, uma vez\u00a0que<\/span><\/span>\u00a0o<\/span><\/span>\u00a0cliente\u00a0que<\/span><\/span>\u00a0ficava com a posse\u00a0do<\/span><\/span>\u00a0bem poderia coloc\u00e1-lo em\u00a0o<\/span><\/span>utras\u00a0o<\/span><\/span>pera\u00e7\u00f5es. A cria\u00e7\u00e3o<\/span><\/span>\u00a0da aliena\u00e7\u00e3o<\/span><\/span>\u00a0fiduci\u00e1ria no fim da d\u00e9cada de 1990 fez essa pr\u00e1tica ser abandonada e permitiu\u00a0o<\/span><\/span>\u00a0cen\u00e1rio\u00a0que<\/span><\/span>\u00a0levou ao desenvolvimento\u00a0do<\/span><\/span>\u00a0empr\u00e9stimo com im\u00f3<\/span><\/span>vel como garantia.<\/p>\n

5 \u2013 Qual \u00e9\u00a0o<\/span><\/span>\u00a0processo\u00a0para<\/span><\/span>\u00a0solicitar este\u00a0cr\u00e9dito<\/span><\/span>?\u00a0<\/b><\/p>\n

Esque\u00e7a procedimentos burocr\u00e1ticos comuns aos servi\u00e7o<\/span><\/span>s banc\u00e1rios. Gra\u00e7as \u00e0s\u00a0fintechs<\/i>,\u00a0o<\/span><\/span>\u00a0acesso ao\u00a0cr\u00e9dito<\/span><\/span>\u00a0home<\/span><\/span>\u00a0equity<\/span><\/span><\/i>\u00a0\u00e9 digital, transparente e pr\u00e1tico. Na plataforma\u00a0o<\/span><\/span>n-line, por exemplo, \u00e9 poss\u00edvel simular a proposta com\u00a0o<\/span><\/span>\u00a0valor\u00a0do<\/span><\/span>\u00a0im\u00f3<\/span><\/span>vel, renda, CEP e\u00a0cr\u00e9dito<\/span><\/span>\u00a0necess\u00e1rio. Ao finalizar\u00a0o<\/span><\/span>\u00a0cadastro,\u00a0o<\/span><\/span>\u00a0solicitante j\u00e1 recebe uma proposta personalizada. Depois, basta fornecer a\u00a0do<\/span><\/span>cumenta\u00e7\u00e3o<\/span><\/span>\u00a0requerida\u00a0para<\/span><\/span>\u00a0an\u00e1lise de\u00a0cr\u00e9dito<\/span><\/span>\u00a0e escolher flexibilidades e vantagens\u00a0o<\/span><\/span>ferecidas, como car\u00eancia. Por fim, basta assinar\u00a0o<\/span><\/span>\u00a0contrato digitalmente e aguardar\u00a0que<\/span><\/span>\u00a0o<\/span><\/span>\u00a0dinheiro seja depositado na conta.<\/p>\n

*Fernando Miranda \u00e9 Coordenador de Branding e Conte\u00fado<\/span><\/span>\u00a0da Pontte,\u00a0Fintech\u00a0especializada em\u00a0<\/i>home<\/span><\/span>\u00a0equity<\/span><\/span>\u00a0\u2013\u00a0pontte@nbpress.com<\/a><\/p>\n

Sobre a Pontte<\/u><\/b><\/p>\n

A Pontte \u00e9 uma plataforma de\u00a0cr\u00e9dito<\/span><\/span>\u00a0digital\u00a0que<\/span><\/span>\u00a0nasceu\u00a0para<\/span><\/span>\u00a0construir um\u00a0cr\u00e9dito<\/span><\/span>\u00a0muito\u00a0mais<\/span><\/span>\u00a0humano, justo e flex\u00edvel.\u00a0O<\/span><\/span>perando no mercado desde 2019, foi criada\u00a0para<\/span><\/span>\u00a0mudar a rela\u00e7\u00e3o<\/span><\/span>\u00a0desigual entre\u00a0que<\/span><\/span>m pega\u00a0o<\/span><\/span>\u00a0empr\u00e9stimo e\u00a0que<\/span><\/span>m\u00a0o<\/span><\/span>ferece\u00a0o<\/span><\/span>s recursos, combinando efici\u00eancia, atendimento dedicado e tecnologia\u00a0para<\/span><\/span>\u00a0o<\/span><\/span>ferecer taxas de juros\u00a0mais<\/span><\/span>\u00a0baixas, prazos de pagamento\u00a0mais<\/span><\/span>\u00a0longos e\u00a0mais<\/span><\/span>\u00a0controle sobre\u00a0o<\/span><\/span>\u00a0contrato. Em 2021 ganhou\u00a0do<\/span><\/span>is grandes destaques: foi selecionada\u00a0para<\/span><\/span>\u00a0o<\/span><\/span>\u00a0Programa Scale-Up Endeavor Fintech 2021,\u00a0que<\/span><\/span>\u00a0atrav\u00e9s de projetos de mentorias busca\u00a0o<\/span><\/span>rientar e acelerar\u00a0o<\/span><\/span>\u00a0crescimento de fintechs por meio de conex\u00f5<\/span><\/span>es com redes de especialistas de todo\u00a0o<\/span><\/span>\u00a0Brasil; foi indicada ao \u201c100 Startups\u00a0do<\/span><\/span>\u00a0Watch 2021\u2033 na categoria Finan\u00e7as, fruto de uma parceria realizada entre Pequenas Empresas & Grandes Neg\u00f3<\/span><\/span>cios, \u00c9poca Neg\u00f3<\/span><\/span>cios, EloGroup e InnoVc.\u00a0O<\/span><\/span>\u00a0mapeamento mostra as startups com potencial\u00a0para<\/span><\/span>\u00a0se tornarem l\u00edderes e receberem aportes de empresas, governos e aceleradoras.<\/p>\n","protected":false},"excerpt":{"rendered":"

Encontrar\u00a0cr\u00e9dito\u00a0f\u00e1cil\u00a0e r\u00e1pido, com taxa vantajosa de juros e excelente condi\u00e7\u00e3o\u00a0de pagamento pode parecer quase imposs\u00edvel. Mas essa modalidade existe e ganha cada…<\/p>\n","protected":false},"author":2,"featured_media":31508,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2160],"tags":[8851],"ppma_author":[13249],"class_list":{"0":"post-31506","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-financas","8":"tag-home-equity"},"yoast_head":"\nO b\u00ea-\u00e1-b\u00e1 do home equity: tudo o que voc\u00ea precisa saber para ter cr\u00e9dito mais f\u00e1cil - Economia S\/A<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/economiasa.com.br\/blog\/o-be-a-ba-do-home-equity-tudo-o-que-voce-precisa-saber-para-ter-credito-mais-facil\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O b\u00ea-\u00e1-b\u00e1 do home equity: tudo o que voc\u00ea precisa saber para ter cr\u00e9dito mais f\u00e1cil - Economia S\/A\" \/>\n<meta property=\"og:description\" content=\"Encontrar\u00a0cr\u00e9dito\u00a0f\u00e1cil\u00a0e r\u00e1pido, com taxa vantajosa de juros e excelente condi\u00e7\u00e3o\u00a0de pagamento pode parecer quase imposs\u00edvel. 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