{"id":70252,"date":"2025-10-06T11:09:50","date_gmt":"2025-10-06T14:09:50","guid":{"rendered":"https:\/\/economiasa.com.br\/blog\/?p=70252"},"modified":"2025-10-06T11:09:51","modified_gmt":"2025-10-06T14:09:51","slug":"credito-com-garantia-de-imovel-financiado-cresce-no-brasil","status":"publish","type":"post","link":"https:\/\/economiasa.com.br\/blog\/credito-com-garantia-de-imovel-financiado-cresce-no-brasil\/","title":{"rendered":"Cr\u00e9dito com garantia de im\u00f3vel financiado cresce no Brasil"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"432\" src=\"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2025\/10\/anidea-setembro.jpg\" alt=\"Cr\u00e9ditos da foto: Divulga\u00e7\u00e3o\" class=\"wp-image-70253\" srcset=\"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2025\/10\/anidea-setembro.jpg 650w, https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2025\/10\/anidea-setembro-300x199.jpg 300w, https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2025\/10\/anidea-setembro-360x239.jpg 360w\" sizes=\"auto, (max-width: 650px) 100vw, 650px\" \/><figcaption class=\"wp-element-caption\">Cr\u00e9ditos da foto: Divulga\u00e7\u00e3o<\/figcaption><\/figure>\n\n\n\n<p>Existe uma lei que facilita a obten\u00e7\u00e3o de empr\u00e9stimos, usando im\u00f3veis como garantia. Antes, voc\u00ea s\u00f3 podia fazer isso se o im\u00f3vel j\u00e1 estivesse totalmente pago, o que tornava o processo bem dif\u00edcil. Com o Marco das Garantias (Lei 14.711\/2023), mesmo que a pessoa ainda esteja pagando o financiamento, j\u00e1 pode usar o im\u00f3vel para conseguir um empr\u00e9stimo maior e com juros menores.<\/p>\n\n\n\n<p>Essa mudan\u00e7a, que come\u00e7ou no fim de 2023, fez o mercado de cr\u00e9dito disparar: s\u00f3 em 2024, a quantidade de empr\u00e9stimos garantidos por im\u00f3veis cresceu 53,5%, totalizando mais de R$ 10 bilh\u00f5es!<\/p>\n\n\n\n<p>Para No\u00e9 Santiago, CEO da fintech\u00a0<a href=\"https:\/\/anidea.com.br\/\" target=\"_blank\" rel=\"noreferrer noopener\">ANIDEA<\/a>, a regra pode abrir muitas portas, ajudando as pessoas a conseguir dinheiro para reformar a casa, investir em um neg\u00f3cio ou at\u00e9 mesmo reorganizar as finan\u00e7as com mais tranquilidade:\u00a0\u201cA mudan\u00e7a impulsionou o setor. O diferencial est\u00e1 em permitir liquidez sem perder o im\u00f3vel. \u00c9 poss\u00edvel trabalhar com im\u00f3veis alienados, desde que haja margem de valor suficiente para a opera\u00e7\u00e3o\u201d.<br><br><strong>N\u00fameros mostram bom momento<\/strong><br>No primeiro semestre de 2024, o volume financiado atingiu R$ 4,6 bilh\u00f5es, alta de 45% em rela\u00e7\u00e3o a 2023, mostrando que a novidade foi bem aceita. O custo competitivo \u2014 em m\u00e9dia de 1,5% a 2,0% ao m\u00eas \u2014 e o fato do im\u00f3vel continuar em uso pelo tomador tamb\u00e9m ajudaram na procura.<\/p>\n\n\n\n<p>\u201cNeste ano, vamos testemunhar a consolida\u00e7\u00e3o desta modalidade como alternativa relevante para empresas e fam\u00edlias que buscam cr\u00e9dito mais barato sem abrir m\u00e3o do patrim\u00f4nio, mesmo que o impovel ainda seja financiado\u201d completa.\u00a0<\/p>\n\n\n\n<p><strong>Servi\u00e7o: Anidea Solu\u00e7\u00f5es Financeiras\u00a0<\/strong><\/p>\n\n\n\n<p><strong>No\u00e9 Santiago<\/strong><\/p>\n\n\n\n<p><strong>Economista<\/strong><br><strong>41 9652-5524<\/strong><\/p>\n\n\n\n<p><strong>@<a href=\"http:\/\/anidea.br\/\" target=\"_blank\" rel=\"noreferrer noopener\">anidea.br<\/a><\/strong><br><strong><a href=\"mailto:noe.santiago@anidea.com.br\">noe.santiago@anidea.com.br<\/a><\/strong><br><strong><a href=\"https:\/\/anidea.com.br\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/anidea.com.br<\/a><\/strong><\/p>\n\n\n\n<p><strong>Mal. Deodoro, 51 \u2013 Sala 205B \u2013 Centro, Curitiba\/PR.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Existe uma lei que facilita a obten\u00e7\u00e3o de empr\u00e9stimos, usando im\u00f3veis como garantia. Antes, voc\u00ea s\u00f3 podia fazer isso se o im\u00f3vel&#8230;<\/p>\n","protected":false},"author":30,"featured_media":70253,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12789],"tags":[],"ppma_author":[13239],"class_list":{"0":"post-70252","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-imovel"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dito com garantia de im\u00f3vel financiado cresce no Brasil - 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\/credito-com-garantia-de-imovel-financiado-cresce-no-brasil\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dito com garantia de im\u00f3vel financiado cresce no Brasil - Economia S\/A\" \/>\n<meta property=\"og:description\" content=\"Existe uma lei que facilita a obten\u00e7\u00e3o de empr\u00e9stimos, usando im\u00f3veis como garantia. 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